reThought Flood Partners with Vertafore to Improve Private Flood Insurance Access

reThought Flood Enhances Flood Insurance Access with Vertafore

In a significant move to enhance the distribution of private flood insurance, reThought Flood has announced its partnership with Vertafore, a leader in insurance distribution technology. This collaboration aims to utilize the capabilities of Vertafore’s PL Rating™ to connect its specialized flood insurance products to a broader network of independent agencies.

Vertafore is renowned for its role in the insurance industry, particularly during the AI era, powering numerous distribution frameworks that allow agencies to better access various insurance products. With the integration of PL Rating, reThought Flood is poised to invigorate its distribution strategy and simplify the selling process for agencies.

According to recent data, PL Rating has proven to be pivotal for independent agencies, allowing them to connect with over 320 carriers and MGAs, and facilitating more than 6.8 million flood transactions in 2025 alone. This impressive scale not only signifies the platform's efficiency but also underscores its importance as a resource for agents seeking competitive flood insurance quotes.

A Journey Towards Distribution Velocity

MGA growth is multi-faceted, ranging from launching new programs and increasing underwriting capabilities to expanding distribution networks. Vertafore provides tools that assist MGAs throughout this lifecycle, integrating key technology elements such as underwriting, policy administration, and data management into a unified system.

For reThought Flood, this partnership serves as an entryway into the robust Vertafore ecosystem, enhancing the visibility of its flood insurance products among a broader range of independent agencies already engaged with Vertafore's technologies. By doing so, it aims to streamline the connection between agents and products, thereby fostering Distribution Velocity—an approach that emphasizes swift and intentional growth trajectories in their operations.

Emily McGinn, the general manager of MGA and Wholesale at Vertafore, highlighted the transformative potential of this partnership, affirming the company’s aspiration to help MGAs augment their retail distribution efforts efficiently. "Our expertise and comprehensive platform give MGAs a proven foundation to achieve their growth objectives by effectively connecting their products with the relevant agencies," she stated.

Navigating the New Landscape of Flood Risk

Recent modifications to FEMA's flood maps have placed numerous residential properties within the high-risk Special Flood Hazard Area (SFHA), increasing awareness and demand for flood insurance among property owners. PL Rating allows agents to seamlessly integrate flood coverage discussions into their current personal lines rating practices. This not only helps mitigate the challenges associated with flood exposure but makes flood coverage a normalized part of the overall client discussion.

Kevin Thoms, a director at reThought Flood, expressed confidence in their choice of Vertafore, noting, "We considered various comparative raters and found Vertafore to be the gold standard in agency connectivity. PL Rating opens doors to a vast network of agents regularly quoting personal lines, and we recognize Vertafore as the ideal partner to help broaden our distribution efforts."

A Future Enhanced by Vertafore

As the insurance market continues to evolve with changing flood risks and regulations, reThought Flood’s partnership with Vertafore signifies a proactive approach to enhancing service delivery in the flood coverage sector. This collaboration not only emphasizes improved access to critical insurance products but also showcases the importance of innovative technology in promoting efficient insurance practices. With Vertafore’s extensive support, reThought Flood is well-positioned to respond to the growing needs of property owners seeking reliable flood insurance, ensuring that they remain safeguarded against the unpredictable challenges posed by natural disasters.

For further information about reThought Flood and their partnership with Vertafore, please visit Vertafore's official website.