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Residential Condominium Building Association Policy (RCBAP) Private Flood Insurance:

At SJR Insurance we specialize in Condo and homeowner associations.  We got into the private flood insurance because of our large book of Condominium business.  The Private flood program is slightly different than the programs for business and individual homeowners in the fact that it is a full service risk management resource for condominium associations’ exposure to flood.  It is the most comprehensive and competitive flood insurance coverage and risk management solutions available. 

Menu of Insurance Coverage’s:

We provide full limits in the Primary and Excess private flood markets to provide coverage for the largest of condominium associations.  We also have the ability to create a hybrid program that includes the private and national flood insurance programs. 

Menu of Risk Management Services:

Our risk management services are the most complete of any of its kind.  Once you are a client, insurance to value appraisals, mitigation surveys, elevation surveys, storm surge analysis deductible analysis are all part of the services provided to the association. 

FEMA Requirements:

Like all of our other private flood products  our (RCBAP) policy meets FEMA’s Criteria for private flood insurance, licensure, surplus lines recognition, 45 day cancellation/non renewal notice, breadth of policy coverage strength of mortgage clause, and legal recourse.  For more information about the Biggert-Waters reform act see our Flood Reform act tab.

We also have access to National Flood Insurance Program we work with several WYO carriers to provide the best coverage for you. 


To obtain a quote, please provide a copy of the primary flood declaration page or  Flood application as well as an elevation certificate.




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