Property and Flood Insurance Underwriter

• HSA and FSA
• Health insurance
• Paid time off
• Parental leave
• Training & development
• Vision insurance
• Wellness resources
• 401(k)
• 401(k) matching
• Competitive salary
• Dental insurance
• Donation matching
• Employee discounts

• Review property and flood insurance applications renewal submissions endorsements inspections elevation certificates loss runs photographs and other supporting documentation to evaluate risk and coverage eligibility.
• Analyze property characteristics such as location occupancy construction type protection class valuation prior losses flood zone elevation data and catastrophe or weather-related exposures.
• Determine appropriate coverage limits deductibles premiums policy forms endorsements exclusions and terms in accordance with carrier and company underwriting guidelines.
• Use underwriting platforms rating tools mapping resources flood zone data and carrier systems to evaluate submissions and support sound underwriting decisions.
• Collaborate with agents brokers carrier partners and internal service teams to obtain additional information clarify risk details and communicate underwriting decisions.
• Review existing property and flood policies for changes in exposure coverage needs underwriting eligibility or premium adequacy and recommend appropriate adjustments.
• Stay informed on property and flood insurance market conditions carrier appetite underwriting trends catastrophe exposure NFIP-related updates and applicable regulatory requirements.
• Maintain accurate underwriting documentation and ensure decisions are made consistently professionally and in compliance with legal regulatory carrier and internal standards.

• Proven experience in property insurance underwriting flood insurance underwriting personal lines commercial lines or a closely related insurance role.
• Strong knowledge of property risk evaluation flood insurance concepts coverage forms underwriting guidelines rating factors and loss history analysis.
• Proficiency with underwriting systems rating platforms carrier portals mapping or flood zone resources and Microsoft Office Suite.
• Excellent written and verbal communication skills with the ability to explain underwriting decisions clearly and professionally to agents carriers and internal stakeholders.
• Strong attention to detail analytical judgment time management skills and ability to manage multiple submissions renewals and deadlines in a fast-paced environment.

• Professional insurance designation or coursework such as CPCU AU ARM AINS ANFI or related property and casualty training.
• Experience underwriting property flood excess and surplus lines coastal property catastrophe-exposed risks or other complex property accounts.
• Familiarity with NFIP private flood markets FEMA flood maps elevation certificates replacement cost valuation and applicable regulatory or carrier compliance standards.

We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race color religion sex national origin disability status protected veteran status or any other characteristic protected by law.

This agency is independently owned and operated. Your application will go directly to the agency and all hiring decisions will be made by the management of this agency. All inquiries about employment at this agency should be made directly to the agency location and not to the Independent Insurance Agents of North Carolina.