NFS Edge Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Carrier operates as Aon Edge (formerly NFS Edge), an MGA focused on private flood solutions, primarily branded as EZ Flood and related excess/commercial offerings. It partners with admitted and surplus lines carriers rated A-/A or better by AM Best to provide capacity. Preferred / target business (residential EZ Flood – current Aon Edge materials) - Occupancy: Single‑family residential homes are the core target; principal residences get RCV on buildings in A & V zones, with ACV on secondary homes. ([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Property type & TIV: One- to four‑family dwellings with total insured value (building + contents) up to $7.5M; max building limit $6.8M, contents up to 70% of building coverage. ([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Flood zones: Qualifying risks in A, B, C, V, and X zones; program is marketed for both higher‑risk/coastal mandatory‑purchase areas and lower‑risk non‑mandatory zones. Geographic eligibility varies by zone and risk characteristics. ([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Geography (states): Available in all U.S. states except Alaska, District of Columbia, Hawaii, and Kentucky. ([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Lender‑placed/loan transactions: Designed to satisfy the federal July 1, 2019 private‑flood acceptance rule; positioned as an NFIP‑compliant alternative for lender acceptance at closing. ([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Risk profile: Properties where NFIP limits are inadequate or pricing is uncompetitive—especially higher‑value homes needing limits above NFIP maximums and risks where an elevation certificate is not readily available. Coverages & structure – residential EZ Flood - Limits: Up to $7,500,000 combined building + contents; building limit up to $6,800,000; contents max 70% of building limit. ([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Deductibles: Options at $1,000 / $2,000 / $5,000 / $10,000. ([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Loss settlement: In A and V zones, RCV for principal residence, ACV for secondary; in B/C/X zones, RCV for both building and contents. ([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Optional coverages: Additional Living Expense / Loss of Use up to $250 per day, max $5,000; $500 food spoilage; $1,000 swimming pool clean‑up. ([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Waiting period: In some scenarios coverage may be effective immediately; no waiting period when purchased in advance of certain loan‑closing transactions (agent should verify in guidelines/policy form). ([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Underwriting data: No elevation certificate or photographs required; eligibility and pricing driven by property location and a small set of questions (approx. 12). ([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) Commercial / condo & excess flood appetite (summary from product descriptions and trade articles) - Condo association product (RCBAP alternative): Targets residential condo associations up to $50M total building value; offers $5M in primary flood coverage per policy with excess options above that. Focus on associations in high‑risk and coastal areas, particularly small‑ to mid‑sized associations. ([iamagazine.com](https://www.iamagazine.com/markets/nfs-edge-launches-private-flood-option-for-condo-associations?utm_source=openai)) - Condo structural profile: Sweet spot is three stories and higher, coastal A and V zones, with preference for tower structures; especially attractive are buildings 6+ stories with ground‑floor flow‑through garages. ([iamagazine.com](https://www.iamagazine.com/markets/nfs-edge-launches-private-flood-option-for-condo-associations?utm_source=openai)) - Territory: Marketed as available in all 50 states for condo program, but current availability should be confirmed per state and carrier‑partner appetite. ([iamagazine.com](https://www.iamagazine.com/markets/nfs-edge-launches-private-flood-option-for-condo-associations?utm_source=openai)) - Excess Flood: Offered as capacity above NFIP or primary private flood limits, intended to supplement rather than replace NFIP when used as excess. Often written via surplus‑lines markets and may be accessed through partner carriers (e.g., UPC documentation referencing EZ Flood Standard, EZ Flood Preferred, and excess options administered by NFS Edge). ([upcinsurance.com](https://www.upcinsurance.com/docs/default-source/licensing/systems/upc_floodcontacts_4-2018.pdf?utm_source=openai)) - Commercial flood: Aon Edge markets EZ Flood Commercial; an appetite guide exists outlining target commercial property segments and cat‑exposure tolerances (agents should refer to latest Aon Edge EZ Flood Commercial Appetite Guide for detailed class/zonal restrictions and coverage specs). ([aonedge.com](https://www.aonedge.com/getmedia/f2a3bfe1-35ec-408b-a3d6-31d691b24de1/EZFC-Appetite-Guide.pdf?utm_source=openai)) Restricted / declined risks (inferred from eligibility notes and typical private‑flood practice) - Ineligible geographies: Alaska, DC, Hawaii, Kentucky for EZ Flood residential; certain coastal or severe‑loss micro‑zones may be ineligible or subject to moratorium, based on carrier risk modeling. ([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Property characteristics: Eligibility varies by location and property characteristics; properties that previously quoted but no longer qualify are typically being declined due to updated hazard modeling or underwriting rules. ([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Severe‑loss or repeat‑loss risks: Aon Edge notes policies may be cancelled or non‑renewed following certain claims; high‑frequency or severe‑severity loss histories are likely subject to decline or non‑renewal. ([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Non‑residential classes under EZ Flood residential: Commercial occupancies, mixed‑use with significant commercial, or associations not fitting the condo association product parameters are typically steered to commercial flood or declined where unsupported. Geographic / catastrophe notes - Nationwide footprint (minus AK/DC/HI/KY) with program‑specific zone eligibility. A & V zones are actively targeted for higher‑limit private alternatives; B/C/X zones are written where modeling supports the risk and lender/borrower desire lower‑cost options. ([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Private flood eligibility can change at a given address over time as modeling and portfolio aggregates are updated; a previously quotable risk can become ineligible without a change at the property itself. Aon Edge directs agents to contact underwriting when this occurs. ([aonedge.com](https://www.aonedge.com/getmedia/2b4dc9cb-120b-4a31-9bc4-b83f5545d7f4/Private-Flood-Insurance-FAQ.pdf?utm_source=openai)) Submission & underwriting process – producer notes - Distribution: Business is written via appointed independent agents and MGAs; NFS Edge/Aon Edge functions as an MGA with full underwriting, billing, and claims authority for partner carriers (e.g., UPC disclosures list NFS Edge as managing general agent for flood with authority for premium collection, underwriting, billing, and claims). ([s206.q4cdn.com](https://s206.q4cdn.com/963787797/files/doc_downloads/1/UPC-2022-Q2-Statement-Final.pdf?utm_source=openai)) - Platform & workflow: Agents quote/rate/bind EZ Flood in minutes via the Aon Edge online platform; quoting is designed to take under 60 seconds with only ~12 questions. ([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Data requirements (typical): Property address (for geocoding/flood‑zone lookup and modeling), basic construction/occupancy details, number of stories, foundation type, prior loss history, and desired coverage/deductible options. Elevation certificates and photos are explicitly not required for EZ Flood. ([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Lender coordination: Agents should confirm with the lender that EZ Flood is acceptable before cancelling any existing NFIP policy or finalizing at closing, although materials affirm compliance with Biggert‑Waters private‑flood rules. ([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Claims handling: Claims are administered by Aon Edge/NFS Edge under delegated authority; partner‑carrier and retail‑agency materials list Aon Edge claims contacts and emphasize that NFS Edge has full claims‑adjustment authority for flood programs. ([s206.q4cdn.com](https://s206.q4cdn.com/963787797/files/doc_downloads/1/UPC-2022-Q2-Statement-Final.pdf?utm_source=openai)) Operational guidance for brokers / producers - Use EZ Flood for single‑family dwellings requiring higher limits than NFIP, simplified underwriting, and/or no elevation certificate, particularly in A and V zones and competitively priced B/C/X risks. - Use the condo association/RCBAP alternative for residential condo associations up to $50M value, especially coastal high‑rise or mid‑rise associations in A and V zones where NFIP pricing or limits are problematic. - Consider Excess Flood when NFIP or EZ Flood primary limits are insufficient; treat excess as supplemental atop a qualifying primary policy. - Always verify state and zone eligibility on the portal at time of quote, as underwriting appetite is model‑driven and may change. - For risks with prior flood losses, multiple claims, unusual construction, or mixed occupancy, contact Aon Edge underwriting before binding to confirm eligibility and any special terms. Note: Publicly available materials provide high‑level appetite and eligibility parameters but do not publish a full class‑by‑class decline list. Agents should rely on the Aon Edge portal, EZ Flood underwriting FAQs, policy forms, and their producer guide for address‑level eligibility and any current moratoria or program suspensions.