Property and Flood Insurance Underwriter

Correll Insurance Group•Hilton Head Island, SC

2d•Hybrid

About The Position

SECU (South East Coastal Underwriters), a Member of Correll Insurance Group is in need of a detail-oriented Property and Flood Insurance Underwriter at our office in Hilton Head, SC. We are seeking a detail-oriented Property & Flood Insurance Underwriter to evaluate residential and commercial property risks, including flood exposures, review underwriting submissions, analyze supporting documentation, and determine appropriate coverage, pricing, terms, and conditions. The ideal candidate will work closely with agents, carriers, and internal team members to assess risk, support profitable growth, maintain underwriting discipline, and ensure compliance with company guidelines and applicable insurance regulations.

Requirements

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.

Nice To Haves

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.

Responsibilities

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.