The Challenge

Hurricane season is here — but are your clients prepared to weather the storm? Participate in TMH’s Excess Flood Submission Challenge and earn prizes while ensuring your clients receive the superior flood protection they need.

Between June 15 and September 15, the three producers who submit the most eligible excess flood quotes will win one of these three prizes:

The Win for Clients

By securing excess flood quotes early in the hurricane season, you are ensuring your clients receive the best pricing for flood insurance while protecting their most valuable investments: their properties.

Agents will receive:

• Same-day quotes (two-hour turnaround or less in most cases)
• Renewal terms that meet or beat incumbent renewal, where underwriting allows
• Limits up to $50M
• Competitive prices
• Flexible terms and conditions before the storms begin

Clients will benefit from:

• Superior flood protection from a financially secure legacy flood provider
• Outstanding claims support
• Excess coverage that layers over ANY primary policy (not just National Flood Insurance Program policies)
• No waiting periods

How to Participate

The producers with the highest number of qualifying submissions will receive prizes at the end of the 90-day period.

• To begin, submit quotes here or via email at excessfloodquote@tmhighland.com and put Storm Ready in the subject line.
• Complete contest details can be found here.

The winners will be notified on September 16, 2026.

Questions? 

Contact Lydia Martinez, Director of Client Relations, at lydia.martinez@tmhighland.com or 888-386-9488.

To receive updates about the Excess Flood Submission Challenge, please click here.

Click here to get appointed with Tokio Marine Highland.