Aon

Carrier appetite summary

Aon Edge currently markets EZ Flood as a private flood product for single-family residential properties. Preferred business includes residential homes in both mandatory and non-mandatory flood areas, including higher-risk/coastal locations, with eligibility in A, B, C, V, and X flood zones. The product is available in all states except Alaska, Hawaii, Kentucky, and the District of Columbia. Published limits indicate maximum eligible TIV of $7.5M combined, max building limit of $6.8M, and contents up to 70% of building coverage. Operational advantages highlighted by Aon Edge include quote/bind without an elevation certificate or property photos, customizable deductibles, and in some cases immediate effect; when purchased during loan closing there is no waiting period, otherwise Aon states a 15-day waiting period. Eligibility is location- and property-characteristic-driven, so non-qualifying risks are effectively restricted based on geography and underwriting rules even where a class list is not fully published. Producer guidance: agents/producers must have an active appointment with Aon Edge before quoting or purchasing private flood products. Aon also notes lender acceptability under the federal private flood rule and offers IVANS download/trading partner support. Broker/producers should expect to use the Aon Edge quoting platform, confirm lender acceptance before canceling NFIP coverage or for loan closings, and contact the contracting team for appointment or IVANS setup. No separate residential appetite guide with detailed declined classes was clearly published on the verified product page; current public guidance is primarily product-eligibility, geographic availability, and producer appointment requirements.

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