Wright Flood Marketing
Sample Agency Marketing Tools
To assist you to generate additional flood business, Wright Flood has compiled a collection of sample marketing
letters targeted to cross sell to your existing clients or generate interest from property owners in your local area.
These letters are suggested methods to reach various market segments as noted in the Target Market section
of the summary listed below. These can be modified however you choose and printed on your Agency
letterhead. Consider attaching a Wright Flood Marketing brochure available free from Wright Flood Marketing
Dept.
Also this package includes four sample articles for use on your agency blog or newsletter to generate an interest
in flood insurance and direct interested readers to your agency. Or, consider using them for the text of an “On –
hold” message if your telephone system allows.
And, finally, provided are some flood factoids…short flood facts that can be used as a tag line below your
signature in an email or on the bottom of a fax cover sheet to remind potential clients of the need to consider
flood insurance as a separate coverage.
Please review all the sample letters on the pages below in this package, contact your Regional Sales Manager
at 866-373-5663 and set a plan to grow your business with Wright Flood insurance.
Letter
Number
LTR 1
LTR 2
LTR 3
LTR 4
LTR 5
LTR 6
LTR 7
LTR 8
LTR 9
LTR 10
Articles 1
and 2
Fax Cover
Sheet
Title
Qualified for Lowest Rates
Available
Got the “Right Stuff” Changing
Weather
Don’t Live with Regret
Construction/Development
Changes Flood Patterns
Could you Replace it all?
Map Revisions-Purchase Prior
for Lowest Rate
Enjoying your New HomeReconsider Flood Ins.
Elevated Structures Zone A
and V-Changes to your
property?
Enjoying your Condo--Consider
Condo Unit Policy
Condo Unit Coverage—Master
Policy Not Enough
Articles for Reprint in Agency
Newsletters
Tag Lines for Use on Agency
Fax Cover Sheets
Description
Preferred Offer with
Waiver
Preferred Offer with
Waiver
Preferred Offer with
Waiver
Preferred Offer with
Waiver
Increase Coverage
with Waiver
Secure low rate
Before Map Change
Preferred Offer with
Waiver
Report Changes to
Elevated Space with
Response
Condo Unit Owners
Offer with Waiver
A/V Zone Condo Unit
Developments in
Area and Enjoying
your New Home
Flood Insurance
Factoids
Target Market
Current Insured with No Flood-Low
Risk Location
Current Insured with No Flood-Low
Risk Location
Current Insured with No Flood-Low
Risk Location
Current Insured with No Flood-Low
Risk Location
Current Insured –Possibly
Underinsured or without contents
Addresses Affected by Upcoming
FEMA Map Change
Insured –No Flood—Follow up after
Settlement
Current Insureds with Zone A or V
Elevated Rating
Condo Owners with No Flood—
Follow up after Settlement
Condo Owners with Master but No
Unit Policy
General Flood Information Offer to
Agency Newsletter Readers
Use to Highlight Flood During the
Delivery of All Insurance Quotes via
Fax
Feedback on these marketing tools is welcome any time to floodmarketing@weareflood.com .
4/2/2015
Your agency logo and contact letterhead here….
SAMPLE #1
Re-think your Flood Insurance decision…
You’ve qualified for one of the lowest rates available…..
Dear Insured:
If your property is in a lower risk flood zone you’re qualified for low rate flood insurance backed by the federal
government. This is worth considering:
Because of your home’s location, up to $250,000 of National Flood Insurance may be available to you at a premium of
roughly $477 a year. Higher-risk zones pay several hundred dollars more for the very same coverage.
While your area isn’t classified as high-risk, it isn’t immune to flooding either. In fact, almost 30% of actual flood claims
come from low to moderate risk areas. Here are some other facts you should know:
Your homeowners’ policy does not cover flood damage.
Flooding is the most common natural disaster.
Government assistance is only available in less than half of all floods, and it usually comes in the form of a loan-repayable with interest.
National Flood Insurance is your only guaranteed protection, getting it is easy….just give us a call at ______________.
Don’t Delay…..there’s a 30-day waiting period before a new policy can take effect.
We hope to hear from you but should you elect not to purchase this protection, kindly sign below that you have been
informed of the possibility of flooding and will hold us, as your insurance agent, harmless if you do experience a flood
loss.
Signature:
Property Address:
Please return in the enclosed envelope for our files, or fax to
Kindest Regards,
Your Name
Your agency name and address
.
Your agency logo and letterhead here….
SAMPLE #2
Got the “right stuff”….Get Flood Insurance
Dear Neighbor:
We all have lots of “stuff” that we love and could never part with….as your insurance agent and your friend; it’s my
responsibility to offer you Flood Insurance to cover it. You live in a low or moderate-risk area but I strongly urge you to
consider these facts:
Floods are the most common of all natural disasters.
Your homeowners insurance does not cover flood damage.
Almost 30% of all flood claims come from area no one considered high risk
Less than 50% of all flood disasters qualify for federal assistance…. and this assistance is a loan…repayable with
interest.
We have all heard about changing weather patterns and you understand that low risk does not mean no-risk. But, do you
know that roughly $477 a year will purchase a federal flood insurance policy for $250,000 in coverage available for your
home and its contents in the low to moderate risk zones? Similarly low priced policies are available for contents only,
renters, condo or apartment homes and even commercial locations.
Please call me at
and confirm this quote.
so I can share more information tailored specifically to your needs, answer questions
I would hope to hear from you but should you choose not to consider this important protection, kindly sign below that I
have informed you of the possibility of flooding and will agree to hold me, as your insurance agent and your friend,
harmless if you do experience a flood loss.
Signature:
Property Address:
Please send this note back in the enclosed envelope for our files.
Kindest Regards,
Your Name
Your Agency Name
SAMPLE #3
(Print on Agency Letterhead)
Don’t live with regret…..
Dear Customer and Friend,
After so many flood events we see owners, just like us, on television sad that they “didn’t know they could purchase flood
insurance for their home”. Or, they would have purchased if only they knew “it could be as inexpensive” as $460 per
year.” Don’t live with regret; reconsider flood insurance for your home or business. No matter what flood zone your
property is located in, there is a flood policy that can protect you.
As your insurance agent, let me specifically say to you that I would strongly urge you to get flood coverage because of the
following facts:
Flood insurance is available to everyone if they own or rent houses, condos, or commercial properties, because
everyone has some level of flood risk.
Your homeowners insurance does not cover flood damage.
Almost 30% of all flood claims come from areas no one considers high risk.
Less than 50% of all flood disasters qualify for federal assistance…. and this assistance is a loan…repayable with
interest.
The source of water could be heavy rain, poor drainage, new construction …but looking back on past natural disasters, I
think now you understand … low risk does not mean no-risk. Natural disasters are so unpredictable.
Please give me a call at
you with a no obligation quote.
so I can give you more information, answer questions and provide
If you can not take action now to purchase this protection, kindly sign below that you have been informed of the
possibility of flooding and will hold us, as your insurance agent, harmless if you do experience a flood loss.
Signature:
Property Address:
Please return in the enclosed envelope for our files, or fax to
Kindest Regards,
Your Name
Your agency name and address
.
Your agency logo and letterhead here….
SAMPLE #4
Re-think your Flood risk…
Flood patterns change as neighborhoods change.
Dear Valued Customer:
Growing neighborhoods, interstates, and parking lots can change the land’s natural ability to absorb rain, dramatically
increasing your chances of flooding. With so much changing around town, should you re-consider your need for flood
insurance?
While your street may not have experienced flooding in the past, nearby construction and development alters rainwater
runoff patterns and it’s not uncommon to see dramatic changes. Even in a low risk area, there are no guarantees that it
won’t flood.
What can you do to protect yourself? Roughly $477 a year will purchase a federal flood insurance policy for $250,000 in
coverage available in the low to moderate risk zones for your home and its contents. Flood policies can protect
businesses, covering merchandise, inventory, even machinery, also at preferred rates in low to moderate risk areas.
Of course, the impact development has on increased flooding isn’t the only reason to buy flood insurance.



Homeowners insurance doesn’t pay for flood damage.
30% of actual flood insurance claims come from “low-risk” areas.
Less than half of all flooding events qualify for federal disaster assistance, which is usually offered as an interestbearing loan.
Call us at
today to help you re-think your flood risk.
We hope to hear from you but should you elect not to purchase this important protection, kindly sign below that you
have been informed of the possibility of flooding and will hold us, as your insurance agent, harmless if you experience a
flood loss.
Signature:
Property address:
Please return in the enclosed envelope for our files or fax back to
Kindest Regards,
Your Name
XYZ insurance Agency
.
Your agency logo and letterhead here….
SAMPLE #5
Could you replace it all?
Dear Neighbor:
We all have lots of “stuff” that we love and could never part with….as your insurance agent and your friend; it’s my
responsibility to offer you Flood Insurance to cover it.
Adding coverage up to replacement cost level for your building and/or your contents on your existing policy is much less
than you might think. Property values have been changing and costs of construction to rebuild might be a different value
altogether. Possibly your flood insurance doesn’t reflect the true value of rebuilding your home. Not insuring to current
value could result in a reduced claim payment at time of loss. All or some of your “stuff” might be at risk.
Building coverage can be purchased up to the NFIP maximum of $250,000 and contents up to $100,000. Even if you live
in a low or moderate-risk area, I strongly urge you to consider these facts:
Floods are the most common of all natural disasters.
Your homeowners insurance does not cover flood damage.
Almost 30% of all flood claims come from area no one considered high risk
Less than 50% of all flood disasters qualify for federal assistance…. and this assistance is a loan…repayable with
interest.
Please call me at xxx-xxx-xxxx so I can share more information tailored specifically to your needs, answer questions and
confirm this quote.
I would hope to hear from you but should you choose not to consider this important protection, kindly sign below that
you have been advised of the need to insure your property up to current market values, and will agree to hold me, as your
insurance agent and your friend, harmless if you do experience a flood loss.
Signature:
Property Address:
Please send this signed note back for our files via fax to xxx-xxx-xxxx.
Kindest Regards,
Your Name
Your Agency Name
Print on Your Agency Letterhead
SAMPLE # 6
Target: List of property addresses in zip codes planned for Map Revisions
Purchase at a Lower Rate before Flood Maps Change
As you may be aware, the flood risk maps in your neighborhood are being revised.
What this means to you…. if your property is mapped into a high risk zone:



You will be required to purchase flood insurance, if you have a mortgage.
Any future buyer will need flood insurance to carry a mortgage.
You may need to re-evaluate your risk of flooding:
 You may need to purchase an elevation certificate to be covered.
FEMA now allows purchase of a Preferred Risk policy for 2 years after a map change, and grandfathering of the low risk
flood zone for future policy terms.
What we can do to help is provide a flood policy at a preferred rate before the maps change offering the advantages:
 Eligible for a third year at the reduced PRP rates
 Grandfather the lower risk zone with lower standard rates
 No need to purchase elevation certificate for flood policy rating
 Offer low risk zone rating to any subsequent buyers of your property.
Other important facts you should know:
 Your homeowners’ policy does not cover flood damage.
 Flooding is the most common natural disaster.
 Disaster assistance is offered in less than 50% of all floods, and is usually a loan to be repaid with interest.
The only guaranteed protection is National Flood Insurance. The preferred risk flood policy could cost roughly $477 a year,
based on your home’s construction, and could save you thousands if a flood occurs.
Please call me at xxx-xxx-xxxx so I can share more information tailored specifically to your needs, answer questions and
confirm this quote.
Kindest Regards,
Your Name
Your Agency Name.
SAMPLE # 7
(Print on Agency Letterhead)
Enjoying your new home…..should you think again about Flood insurance?
Dear Customer and Friend,
Recently when your home was purchased, the lender didn’t require flood insurance. However, that really doesn’t mean
there is no risk of flooding. It is not too late to consider your own flood insurance decision because low risk doesn’t mean
no risk.
Do you realize flood insurance can be as inexpensive as roughly $477 per year for $250,000 in coverage for home and
contents?
As your insurance agent, let me specifically say to you that I would strongly urge you to get flood coverage because of the
following facts:
Flood insurance is available to everyone if they own or rent houses, condos, or commercial properties, because
everyone has some level of flood risk.
Your homeowners insurance does not cover flood damage.
Almost 30% of all flood claims come from areas considered low risk
Less than 50% of all flood disasters qualify for federal assistance…. and this assistance is a loan…repayable with
interest.
The source of water could be heavy rain, poor drainage, new construction …and now that you are in your new home
these things may be something you should consider.
Please give me a call at
you with a no obligation quote.
so I can give you more information, answer questions and provide
If you can not take action now to purchase this protection, kindly sign below that you have been informed of the
possibility of flooding and will hold us, as your insurance agent, harmless if you do experience a flood loss.
Signature:
Property Address:
Please return in the enclosed envelope for our files, or fax to
Kindest Regards,
Your Name
Your agency name and address
.
Print on Agency letterhead
SAMPLE # 8
Any changes to your property?
Dear friend and neighbor,
I’d like to inform you of a very important issue facing flood policy holders like you with property located in:
Flood Zone V or Flood Zone A
With an elevated structure
That has possible enclosures, obstructions, or machinery and equipment.
The National Flood Insurance Program (NFIP) has very specific rating guidelines and rules regarding elevated A or V zone
properties. Although these rules were followed when we originally rated your flood policy, it’s just as important that we
keep current on any changes that have been made to your property since then.
If you have or are planning to enclose any part of the open area beneath your house or if you have machinery and
equipment located below, please contact me immediately at xxx-xxx-xxxx to discuss possible rate and coverage changes.
In the event of a claim, accurate information may make the difference between your claim being settled or denied. As
your insurance agent and as your friend, your welfare is my main concern.
Please check the item below that applies and fax back to me at XXX-XXX-XXXX.
Please review my flood policy rating as construction changes have been completed since my initial flood policy rating.
The phone number to reach me during business hours is:________________
I have not modified the building construction regarding enclosures, obstructions or machinery and equipment since
the initial policy rating.
Signature:
Property Address:
Kindest Regards,
Your Name
Your Agency Name
SAMPLE # 9
(Print on Agency Letterhead)
Enjoying your new condo…..should you think again about Flood insurance?
Dear Customer and Friend,
Like others, when you recently purchased your condo you might have felt the condo association’s master flood policy
protected your unit from flood loss. Let me clarify:
The condominium flood policy is responsible for the building including structural items in the unit and improvements to
those building items. Contents owned by you are your responsibility and not covered by the master policy.
Flood insurance is available to everyone who owns or rents a building and owns the contents inside, because
everyone has some level of flood risk.
Your homeowner property insurance does not cover flood damage.
Almost 30% of all flood claims come from areas considered low risk
Less than 50% of all flood disasters qualify for federal assistance…. and this assistance is a loan…repayable with
interest.
To find out the details of condo unit owners coverage and premiums, please call me at xxx-xxx-xxxx and allow me to
provide a flood quote to you.
If you can not take action now to purchase this protection, kindly sign below that you have been informed of the
possibility of flooding and will hold us, as your insurance agent, harmless if you do experience a flood loss.
Signature:
Property Address:
Please return via fax to xxx-xxx-xxxx
Kindest Regards,
Your Name
Your agency name and address
Print on Your Agency Letterhead
SAMPLE #10
Target: List of property addresses in zip codes located near dams or levees
Re-think your Flood risk…
Is Your Property Protected by a Levee or Dam?
Dear Valued Customer:
Dams and levees, some built long ago, were designed to provide only a certain level of flood protection and can be
overtopped and even fail in large flood events. Also, levees can and do decay over time, and maintenance can become a
serious challenge. Federal flood insurance is the only coverage available that would cover a levee failure.
What can you do to protect yourself? Roughly $477 a year will purchase a federal flood insurance policy for $250,000 in
coverage available in the low to moderate risk zones for your home and its contents. Flood policies can protect
businesses, covering merchandise, inventory, even machinery, also at preferred rates in low to moderate risk areas.
Of course, the risk of levee or dam failure isn’t the only reason to buy flood insurance.



Homeowners insurance doesn’t pay for flood damage.
30% of actual flood insurance claims come from “low-risk” areas.
Less than half of all flooding events qualify for federal disaster assistance, which is usually offered as an interestbearing loan.
Call us at
today to help you re-think your flood risk.
We hope to hear from you but should you elect not to purchase this important protection, kindly sign below that you
have been informed of the possibility of flooding and will hold us, as your insurance agent, harmless if you experience a
flood loss.
Signature:
Property address:
Please return in the enclosed envelope for our files or fax back to
Kindest Regards,
Your Name
XYZ insurance Agency
.
Without Flood Insurance you are Gambling with your Home!
If a flood rolls through, how are you going to pay off your losses? One in four flood damage claims come from low-risk
flood areas. Without flood insurance the costs to recover can be catastrophic.
Know the facts:
 Homeowners policies don’t cover flood damage, in fact, most exclude it. Only flood insurance protects your home
against rising water, mudslides, overflow of inland or tidal waters and local drainage problems.
 Federal assistance may not be available. Less than 50% of all floods qualify for federal aid—and interest on a
federal disaster loan is more than an annual flood insurance premium.
 Flood Insurance is Affordable. Compared with the cost of replacing your home and possessions, the average flood
insurance premium of $600 makes a lot of sense.
 There is a 30 day waiting period on most new flood policies.
Don’t wait until it is too late, call us at XXXXXXXXX for a flood quote. Don’t put your home at risk.
There's something you should know about Flooding…..
Flood losses aren't covered by your homeowners’ insurance policy. Floodwaters have the power to damage not only
your home and sense of security, but also your financial future.
How can you protect your most important investment in case of flooding? What are your flood options?
Option 1: Hope that you'll receive Federal disaster assistance if a flood hits.
Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer
damage due to flooding. The truth is that Federal disaster assistance is only available if the President formally
declares a disaster. Even if you do get disaster assistance, it's often a loan you have to repay, with interest, in
addition to your mortgage loan that you still owe on the damaged property.
Most importantly, you must consider the fact that if your home is flooded and disaster assistance isn't offered,
you'll have to shoulder the massive damage costs alone.
The bottom line: If you're looking for secure protection from financial loss due to flood damage, Federal disaster
assistance is not the answer.
Option 2: Buy flood insurance and stay protected no matter what.
When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not federally declared.
Flood insurance means you'll be reimbursed for all your covered losses. And unlike Federal aid, it never has to be
repaid.
As long as your community participates in the National Flood Insurance Program (NFIP), you're eligible to
purchase flood insurance.
As a homeowner, you can insure your home up to $250,000 and its contents up to $100,000. If you're a renter,
you can cover your belongings up to $100,000. As a non-residential property owner, you can insure your building
and its contents up to $500,000.
A flood insurance policy is easy to get, affordable and offers invaluable peace of mind. With flood insurance, you know
you're covered … no matter what.
Be FloodSmart! Get covered today. For further information, please contact:
Add your agency contact info here.
You Don’t Have to Sink a lot of Money into Flood Insurance
For property owners in a low to moderate risk zone, the preferred risk flood policy provides $250,000 of protection for
roughly $477 per year.
In fact, a little less than 30% of flood insurance claims occur in locations that no one thought were at risk for flooding.
Millions of dollars of losses have been paid to homeowners who may have once believed they were not at risk.
Weather patterns are changing, housing and commercial developments often change rainwater runoff, therefore perhaps
you should re-consider the purchase of a flood insurance policy.
If we can help you protect your biggest investment, please call us today at XXXXXXXX.
Things are changing ‘round here.
Our area is growing but possibly the water management systems may not be keeping pace. Neighborhood growth,
commercial development, new highway construction all can change the rainfall drainage patterns in dramatic ways that
can affect your property. Rising water from any outside source causing floods to yours and nearby properties is becoming
more prevalent all around town.
Perhaps there is construction on higher ground above your property or a nearby creek or stream may be filled with
debris, interrupting normal runoff patterns. These minor drainage changes may create a flood risk as seen during
Hurricane Irene in the northeast. 30% of flood claims are for properties that are not in high flood risk areas.
Federal flood insurance is available to cover all properties including owner or rental properties, commercial locations,
condos, apartment contents regardless of the location and can often be at lower preferred rates. Please call and speak to
for assistance.
We hope you love your new location….
Selling and buying a new home or business can be an extremely stressful and hectic time that is followed by the additional
stress of moving and settling in….we understand and hope that as your insurance agent we made that somewhat better
for you.
Now that you are settled and have been there a while, can you spend just a moment to consider that flood insurance
might have been overlooked?
Federal flood insurance is available to cover all properties including owner or rental properties, commercial locations,
condos, apartment contents regardless of the location and can often be at lower preferred rates. Please call and speak to
for assistance.
Wright Flood Insurance Factoids
Copy and paste to the bottom of Agency Fax Cover Sheets to Generate Interest in Flood Insurance or use under
your signature in your emails to generate interest in flood insurance.
Homeowners’ Policies DO NOT Cover Flood Loss…contact us to get a quote for a Flood Insurance Policy. For a voluntary
policy, the cost is roughly $477 a year.
Which check would you rather write? Average of $600 a year for flood insurance…..or average $15,000 for flood
repairs? Let’s talk about flood insurance.
Working together, we can help prevent financial loss and protect your physical property. Consider a flood insurance
policy today.
You can depend on being reimbursed for flood damages, even if the President does not declare a Federal disaster.
Disaster assistance usually is a loan to be repaid with interest---let’s talk about flood insurance.
Residents living behind levees or dams need to understand the flood risks they face….I can evaluate your flood
insurance needs, call me at XXX-XXX-XXXX.
Without Flood Insurance, you are gambling with your home. Consider that flood policies average about $600 a year
across the country while the average flood loss is approximately $15,000.