Selective Insurance Company of America

Flood Underwriter

Experience (Years)
Full-Time Regular
FLSA Status
Job ID
Travel %
Auto Reimbursement


Responsible for the underwriting of new and renewal business for all risks as experience warrants including Submit-for-Rates, RCBAPs and V-Zone risks for a group of agencies in an assigned territory or state. Evaluates and determines eligibility, rating and effective dates of risks according to NFIP and Selective guidelines and standards. Keeps abreast of NFIP rules and regulations and applies them to daily policy issuance. To perform underwriting functions and support to both internal and external customers. Responsible for supporting and developing agency relationships for assigned agents and territory. All job duties and responsibilities must be carried out in compliance with applicable legal and regulatory requirements.  The ideal hours for this position are 9:00 am - 5:00 pm.


  • Evaluates and determines the acceptance of new business as guided by NFIP rules and regulations. Including more complex accounts as experience warrants i.e. Master Residential Condominium policies, Applies manual rating to non-compliant post FIRM structures on new business as well as the renewal terms per NFIP guidelines. Properly review and apply elevation certificates and replacement cost evaluations on necessary risks per FEMA’s regulations and guidelines.
  • Utilizes the online underwriting system to ensure adequate pricing of individual risks through proper classification, accuracy of information, and adherence to NFIP underwriting standards and guidelines. Have a thorough knowledge of how the system applies data entered to rate a policy correctly. Routinely test the system through manual rating of more complex risks to ensure that the system is rating and functioning properly. Work with manager and/or supervisor as well as system vendor to test and validate programmatic changes. 
  • Administer and monitor FEMAs underwriting rules, guidelines, and regulations and rating manuals. Responsible for applying knowledge of FEMA underwriting guidelines and Selective’s processing standards to the issuance of personal and commercial elevated and A-Zone rated flood policies.. Apply and share knowledge with agents on a regular basis. 
  • Responsible for servicing agents in an assigned region/territory as well as internal customers. Ensures and maintains effective, professional and timely communication with agents through telephone, written correspondence or agent visits. Directly responsible for meeting both retention and premium goals. 
  • Reviews and takes appropriate action on underwriting issues where additional information is needed from either the insured or agent. Must effectively and professionally communicate documentation and other underwriting requirements of FEMA regulations to agents and other members of the underwriting team.
  • Work with Territory Managers in assigned regions/territories to ensure the agency experience is positive and look for opportunities to move business to Selective. 
  • Responsible for managing the day to day work assigned. 


  • Prior underwriting experience required. Flood knowledge a plus
  • Excellent interpersonal skills with the commitment to work successfully in a team environment and foster teamwork.
  • Strong communication skills
  • Exceptional customer relations skills to support strong customer service focus.
  • Ability to manage multiple tasks and maintain the necessary attention to detail
  • Organizational and planning skills.
  • Problem solving and decision-making skills.
  • Excellent PC skills Preferred: 
  • Office automation/keyboarding.
  • College degree preferred.
  • 2+ years of Underwriting experience required. 
  • Customer service experience a plus.

Selective is an Equal Employment Opportunity employer. Selective maintains a drug-free workplace




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