Safehold Special Risk
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Safehold Special Risk
Contact Us
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Natural Disaster Protection
While natural disasters may be unpredictable, Safehold’s Natural Disaster Program helps clients establish solid preparedness plans to proactively protect individuals and businesses before a catastrophe occurs. According to the Federal Emergency Management Agency (FEMA), prepared businesses reduce losses by resuming operations more quickly and restoring normalcy to their communities.

Safehold’s Natural Disaster Program addresses common challenges faced after a catastrophe including loss of income, personal property, and buildings – and a thorough review of insurance coverage. Our experienced insurance professionals work with carriers to evaluate natural disaster exposures, underwrite risk, and efficiently issue policies based on the unique needs of each client.


The Safehold Natural Disaster Program includes:

Residential property
Other structures
Personal property
Additional living expenses
Debris removal 

Commercial property
Loss of income/extra expense
Debris removal

Maximum limits
$10,000,000, except:
$2,500,000 California Earthquake
$1,000,000 Coastal Flood

Minimum premiums
$350 - Residential
$500 - Commercial

The information below is a general summary of common requirements and exclusions and is for reference only. Additional requirements and exclusions may apply.

Waiting periods
Landslide and flood coverage is effective on the fifteenth day after the inception date of the policy.
Earthquake coverage if effective on the fifth day after the inception date of the policy.

by location
California: earthquake limitations; coverage not available in Santa Barbara County or Sacramento County
Florida: flood limitations; coverage not available in Monroe County
Hawaii: coverage not available in Hilo
Louisiana: coverage not available
Texas: flood limitations

By geographic proximity
Flood risks within five miles of the Mississippi or Missouri Rivers
Flood risks within one mile of the Hudson, Delaware, Ohio, or Susquehanna Rivers
Flood risks located more than three feet below the base flood elevation
Coastal flood risks exceeding $2.5MM in total insurable value (TIV)
- All of Florida and Louisiana
- 1st tier Texas to North Carolina (AL, FL, GA, LA, MS, NC, SC, TX)
- Flood risks within two miles of saltwater in Massachusetts and Virginia
Earthquake in zones A or B of the California Catastrophic Risk Evaluation and Standardizing Target Accumulations (CRESTA)
Flood in Coastal Barrier Resource Act (CBRA) zones

By structure
Buildings built pre-1950 (earthquakes only)
Buildings constructed of adobe clay, non-reinforced masonry, tile, or logs
Duplexes or Condos, unless building is fully owned or coverage is contents only

By value
Loss of income exceeding $1MM with respect to flood only coverage
TIV exceeding $25MM

Please reach out to us with any questions you may have regarding our Natural Disaster Protection program.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Program Administrator
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    A.M. Best "A" Rating
  • Commission:
  • Min Premium:
    Residential- None Commercial-$500


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100 Glen Eagles Court
Carrollton, GA 30117

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Safehold Special Risk has other insurance programs like Builder's Risk Insurance.