loader image

Upstream By Joe Flood Insurance

Upstream: Underwritten by JFIB

Upstream is the proprietary flood insurance program through Joe Flood Insurance Brokerage, Inc., 100% backed by Chubb European Group on A++ paper.  Upstream is built and underwritten by the experts at JFIB to make flood insurance simple and comprehensive. Below are some coverage highlights. Joe Flood Insurance Brokerage is bringing more “UP”ortunities to agents across the country.

Superior Coverage

Our forms are broader than the NFIP. But with our JFIB endorsement, we add replacement cost loss settlement, lender complaint guarantee, $100,000 in ICC coverage, and more.

A++ Paper

Upstream is written on Chubb European Group paper, which is rated A++ by AM Best. This gives assurance of great backing to you and your clients.

Plenty of Capacity

With both primary and excess capabilities, we can write TIVs up to and over $250m with limits as high as $10m. But because Upstream can layer with other programs, our limits are limitless.

Available Limits

  • Up to $10,000,000 building/contents/Business Interruption combined limits for any one risk for primary and excess
  • Higher limits available when layered with other programs
  • Primary and excess flood

Insurable Value Limits

  • Insurable values up to $25m any single location
  • Insurable values of over $250m for multiple locations/schedules

Eligible Risks

  • Residential, such as 1-4 family (primary or secondary), apartment buildings, multi-family, and more
  • Commercial, such as manufacturing, hotels, warehouse, and more
  • Residential and commercial condo buildings
  • Elevated buildings in CBRA/OPA
  • Buildings under construction (case by case basis)

Waiting Period

  • No waiting periods for any policy.

"UP"ortunities

  • No elevation certificates are required
  • Upstream utilizes technology to rate and underwrite each policy
  • Special programs available for difficult risks or high TIVs
  • Custom coverages written by JFIB for Upstream policies including the "JFIB Endorsement"
  • Lender compliant primary form

Exclusions

  • Finished basements
  • Barrier islands
  • Prior losses non-mitigated
  • 100% over water
  • CBRA/OPA non-elevated
  • Exposed to Cat 1 surge (as determined by JFIB)
  • Some other exclusions may apply
Download our Upstream information sheet
Download slides from our Upstream webinar​