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Excess Flood Program


  • Coverage offered in all 50 states

  • Lloyd's paper

  • Policy limits up to $10MM

    • (higher limits available on a referral basis)

  • TIV’s up to $50MM

  • All Flood Zones

  • Coverage available x/s of NFIP or a primary carrier

  • Minimum premium $1,000


  • Primary & Secondary Residential

  • Commercial Properties

  • Apartments (incl. Garden Style) with or without Mercantile

  • Hotels & Motels

  • Office Buildings

  • Retail properties

  • Condominiums & Town Homes

  • Co-Ops

  • Commercial Properties


Justin Yacono


Justin Yacono has over 9 years of experience writing multiple lines of coverage. His Reputation and proven track record in this space is exemplary. Justin began his career working as an Underwriters Assistant at Global Excess Partners. He then joined WKFC Underwriting Managers leading the flood facility for the next 6 years. Justin joined Balance Partners in 2021 with the goal of building out one of the nation’s largest and most meaningful X/S Flood programs in addition to contributing to our Property and Wind Deductible Buy Back divisions.

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