PURE’s admitted flood coverage is an endorsement to the Homeowner policy, whereas NFIP has a standalone policy. PURE’s admitted endorsement offers higher limits and significantly broader coverage compared to the NFIP’s policy. Dwelling and Contents limits are available up to $2M and $1M, respectively. Additionally, PURE’s admitted endorsement offers a variety of coverages not offered by NFIP including additional living expenses, basement improvements, basement contents, hardscaping, pools, spas and hot tubs. Lastly, PURE offers higher sub-limits for debris removal, rebuilding to code, loss avoidance and loss assessment. 

Yes, the endorsement is available on both a condo & co-op and tenant policy form. Coverage for both contents and additions and alterations will be purchased under the Contents policy limit up to $1M. 

Yes. However, if an event causes flood damage and other damage covered by the homeowners policy in the same occurrence, we will waive the flood deductible, only if the loss involving the other peril exceeds its deductible.  

"Other structures," with some exclusions, are covered by the endorsement and are included within the dwelling limit. Sub-limits do apply for some common "other structures," including but not limited to hardscaping, pools, spas and hot tubs.  

Yes, additional living expenses are included with the following limit options available: $50,000, $150,000 and $250,000. 

Basements where the floor is below ground level (subgrade) on all sides are covered by the endorsement with limits available for dwellings up to $250,000 for improvements and $100,000 in contents. Condos and co-ops can select a basement limit up to $100,000 for combined improvements and contents. 

If higher limits are needed, the member can request a quote for PURE’s excess flood endorsement. Note that excess flood will not provide additional coverage for items with sub-limits, ALE, basements or other structures. 

View PURE Programs' non-admitted flood FAQs.

Visit PURE Online and add a PURE admitted flood endorsement to any active homeowners quote or policy, or email [email protected].

A member may add PURE’s admitted flood coverage via endorsement at any time during their homeowners policy period as long as there is no active moratorium in place. However, NFIP policies sometimes have restrictive cancellation provisions, so it may be in the member’s best interest add PURE’s admitted flood endorsement effective on the expiration date of their NFIP policy. Please consult your NFIP policy’s rules and regulations for further details.

Yes.

No; however, we will not pay for any part of a loss caused by or resulting from any flood that is already in progress.

Yes, PURE’s admitted flood endorsement meets the definition of private flood insurance contained in 42 U.S.C. 4012a(b)(7) and 24 CFR 203.16a(e) for FHA-insured mortgages.