Terms of Service

Statewide Flood Insurance is a website operated by Rebecca Byrom Insurance Agency, Inc. RBIA is a licensed insurance producer and a Lloyd’s-approved coverholder.

1. Operator, Brand, and Acceptance

The Site is operated by Rebecca Byrom Insurance Agency, Inc., California Insurance License #0L75450, doing business online as Statewide Flood Insurance ("RBIA," "Statewide," "we," "us," or "our"). StatewideFloodInsurance.com is an affiliated website of the same company that operates CaliforniaFloodInsurance.com; each site may have its own posted terms and privacy notice.

By accessing or using the Site, submitting information, or using a Site feature, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Site. Additional terms presented with a quote, application, e-signature, payment, portal, SMS program, or carrier service also apply to that feature. If those specific terms conflict with these Terms, the specific terms control for that feature.

2. Insurance Agency; Nationwide Availability

RBIA is a licensed insurance producer and a Lloyd’s-approved coverholder. As a coverholder, RBIA may exercise delegated underwriting or binding authority for specified programs and jurisdictions, including evaluating risks, quoting, binding coverage, collecting premium, and issuing insurance documents on behalf of the applicable Lloyd’s underwriters, subject to the governing binding authority.

Lloyd’s is an insurance marketplace, not itself an insurance company. When coverage is underwritten at Lloyd’s, the policy or evidence of coverage identifies the underwriting syndicate members or other subscribing underwriters that bear the insurance risk. RBIA acts as their authorized coverholder within the scope of its delegated authority.

For other placements, RBIA acts as an insurance producer and coverage is issued by a third-party insurer, including a private flood insurer, NFIP Write-Your-Own carrier, surplus lines insurer where permitted, or another authorized market. The quote, binder, declarations, and policy documents identify the applicable insurer or underwriters and RBIA’s role for the transaction.

We provide services only in jurisdictions where properly licensed or otherwise permitted. The Site may be accessible nationwide, but a product, insurer, quote, or service may not be available in every state or for every risk. Licensing, eligibility, underwriting, forms, rates, limits, deductibles, taxes, fees, and coverage vary by jurisdiction and carrier.

3. Educational Content; No Professional Advice

Site content is for general informational and educational purposes. It is not legal, tax, accounting, engineering, surveying, lending, real-estate, catastrophe-modeling, or risk-management advice and is not a substitute for reviewing an actual policy or consulting an appropriate professional.

Flood maps, flood zones, elevation information, lender requirements, NFIP descriptions, private-market comparisons, costs, examples, FAQs, and coverage summaries may change and may not apply to your property. The issued policy, endorsements, declarations, carrier rules, and applicable law control.

4. Quotes, Applications, and Underwriting

4.1 Quotes are estimates

Any quote, premium indication, comparison, savings estimate, coverage summary, or eligibility result is preliminary, nonbinding, and subject to verification. A quote is not an offer to insure and does not guarantee price, eligibility, limits, deductibles, form, carrier acceptance, or renewal.

4.2 No binder or coverage

Submitting a form, application, document, payment, signature, or request does not bind coverage. You may not rely on the Site, voicemail, email, chat, or text message as confirmation that coverage is in force. Coverage can be established only through written confirmation issued by RBIA or another representative acting within valid authority on behalf of the identified insurer or underwriters, subject to the governing policy terms, binding authority, and receipt of required premium.

4.3 Carrier decisions

Final underwriting, rating, coverage, cancellation, nonrenewal, and claims decisions are made by the applicable insurer or an authorized underwriter. RBIA may make certain underwriting or binding decisions when acting within delegated authority; decisions outside that authority remain with the applicable insurer, managing agent, or underwriters. No outcome is guaranteed.

4.4 Waiting periods and effective dates

Flood policies may be subject to statutory, NFIP, lender, or carrier waiting periods and effective-date rules. Purchasing coverage after a storm is forecast, a loss occurs, or flooding begins may be prohibited or ineffective. Do not assume same-day coverage unless expressly confirmed in writing.

4.5 Surplus lines

A non-admitted or surplus lines policy may not be protected by a state guaranty association and may be subject to taxes, fees, and disclosures. Any required surplus lines notice will be provided separately.

5. Your Information and Responsibilities

You represent that you are at least 18, have legal capacity, and are authorized to request information or insurance for the property and persons identified. If acting for a business, association, trust, owner, or other person, you represent that you have authority to bind that party to these Terms.

You must provide complete, current, and accurate information and promptly correct errors. Material misstatements or omissions—including property location, occupancy, construction, foundation, elevation, basement or enclosure, prior losses, values, mortgagee, or intended use—may change a quote or result in denial, cancellation, rescission, reduced coverage, or denial of a claim.

You are responsible for reviewing applications, quotes, policy documents, coverage limits, deductibles, exclusions, waiting periods, lender requirements, invoices, and notices. Notify us promptly if anything is incorrect or if your circumstances change.

You must maintain secure access to your email, phone, portal credentials, and devices and notify us of suspected unauthorized access.

6. Payments, Premium Financing, and Refunds

Payments are subject to successful processing and acceptance by the carrier, premium finance company, or payment provider. A pending, rejected, reversed, returned, or disputed payment does not create or continue coverage. Failure to pay may lead to cancellation as permitted by the policy and law.

Premium financing is governed by a separate agreement. Finance charges, installment fees, cancellation authority, refunds, minimum earned premium, taxes, inspection fees, policy fees, and broker fees may apply as disclosed by the carrier, finance company, or transaction documents.

Premium refunds, if any, are determined by the insurer, finance company, policy terms, and applicable law. We do not promise a particular refund amount or timing.

7. Claims and Loss Notices

The Site may provide general claims information or help route a notice, but it is not a substitute for reporting a claim directly to the insurer using the instructions in your policy. If a loss occurs, take reasonable steps to protect property from further damage, preserve evidence, and comply with all policy duties and deadlines.

No statement on the Site or by agency personnel guarantees that a loss is covered. Coverage is determined by the carrier under the policy and facts of the claim.

8. Flood Maps, Models, and Third-Party Data

The Site and quoting process may use FEMA and NFIP data, flood maps, elevation data, geolocation, property records, catastrophe models, valuation tools, lender information, and other third-party sources. Data may be incomplete, outdated, or incorrect, and maps or risk designations may change.

We do not warrant third-party data. You must review property details and provide corrections. A flood zone or model result does not establish whether a lender will require coverage or whether a loss is covered.

9. Automated Tools, AI, and Chat

We may use automated systems and AI-assisted tools to answer general questions, organize submissions, identify missing information, summarize communications, or generate preliminary quote indications. Outputs may be inaccurate, incomplete, or unsuitable for your circumstances.

Do not rely on an automated or AI response to bind, change, cancel, or interpret coverage. Human and carrier review may be required. We may retain chat and tool interactions as described in the Privacy Policy.

10. Electronic Communications and E-SIGN

When you contact us electronically, you consent to receive responsive communications electronically. If you separately consent to electronic delivery, we may provide records, disclosures, policies, notices, signatures, and other communications through email, a secure portal, an e-signature service, or a text link where legally permitted.

Electronic records and signatures may have the same legal effect as paper records and handwritten signatures. Any E-SIGN disclosure presented during an application or transaction—including hardware/software requirements, paper-copy rights, contact-update obligations, and withdrawal procedures—forms part of your agreement for that transaction.

These Terms alone do not authorize electronic delivery where federal or state insurance law requires separate consent or a different delivery method.

11. SMS and MMS Terms

11.1 Consent and programs

If you affirmatively opt in through a form, application, signed consent, keyword, or other disclosed method, you authorize Statewide Flood Insurance, RBIA, and the servicing agent to send SMS/MMS messages to the number provided. Messages may use automated technology.

11.2 Message types

Depending on your consent and relationship, messages may concern quotes, applications, underwriting questions, documents, appointments, policy status, billing, payment reminders, renewals, lapse or cancellation risk, claims, customer service, and—only where separately authorized—marketing or promotions.

11.3 Required disclosures

• Consent to marketing texts is not a condition of purchasing insurance or receiving a quote or service.
• Message frequency varies. Message and data rates may apply.
• Reply STOP to opt out of the applicable text program. Reply HELP for help or contact us at the information in Section 28.
• We may send a one-time message confirming an opt-out. Delivery is not guaranteed, and mobile carriers are not liable for delayed or undelivered messages.
• Mobile information is handled under our Privacy Policy at https://www.statewidefloodinsurance.com/privacy-policy/. Mobile numbers and text opt-in data are not shared with third parties or affiliates for their own marketing.

11.4 Marketing and transactional choices

Marketing consent is optional and should be obtained separately where required. Opting out of marketing messages does not cancel your insurance, withdraw an application, or prevent legally permitted service communications through other channels. If you no longer want any non-legally-required communications, contact us so we can update your preferences.

12. Email and Marketing Communications

We may send transactional and relationship emails concerning your inquiry or insurance. Where permitted and, if required, with consent, we may send commercial email about insurance products or services.

Marketing email will include a method to unsubscribe and will be handled in accordance with applicable law. Unsubscribing from marketing does not prevent transaction, policy, security, legal, or service messages.

13. Privacy

Our Privacy Policy, available at https://www.statewidefloodinsurance.com/privacy-policy/, explains how we collect, use, disclose, and protect personal information. It is incorporated into these Terms by reference. If a transaction-specific privacy notice or carrier notice applies, that notice also governs the information within its scope.

14. Accounts and Security

If a Site feature permits an account, you must provide accurate information, keep credentials confidential, and accept responsibility for activity under your account. Notify us immediately of suspected compromise. We may require authentication, suspend access, reset credentials, or take other steps to protect the Site and users.

15. Acceptable Use and Anti-Scraping

You may use the Site only for lawful, personal, household, or internal business purposes related to evaluating or managing insurance. You may not:

• Access or use the Site in violation of law, regulation, sanctions, intellectual-property rights, privacy rights, or another person’s rights.
• Submit false, misleading, fraudulent, malicious, or unauthorized quote requests, applications, documents, claims information, or payment details.
• Probe, scan, test, bypass, disable, overload, disrupt, or interfere with the Site, security controls, rate limits, authentication, servers, or networks.
• Introduce malware, harmful code, or content; impersonate another person; harvest personal information; or use the Site to spam, phish, or defraud.
• Use bots, spiders, crawlers, scrapers, automated agents, data-mining tools, browser automation, or similar means to access, extract, index, copy, monitor, train a model on, or reproduce Site content or data without prior written permission, except that generally available search engines may crawl public pages in accordance with our robots instructions.
• Reverse engineer, decompile, frame, mirror, copy, republish, sell, sublicense, create derivative works from, or commercially exploit the Site, Content, quote flows, or databases except as expressly permitted by law or written authorization.
• Use Site output to benchmark, build, train, or improve a competing product, rating service, model, dataset, or lead-generation service without written permission.

16. Intellectual Property

The Site and its text, graphics, design, compilation, software, forms, workflows, trademarks, service marks, trade names, and other content (collectively, “Content”) are owned by RBIA or licensed from others and are protected by intellectual-property laws. Subject to these Terms, we grant you a limited, revocable, nonexclusive, nontransferable license to access and use the Site for its intended purpose.

No license is granted to use the Statewide Flood Insurance name, logo, or other marks. Third-party and carrier marks belong to their respective owners.

17. Copyright Complaints

If you believe Site material infringes your copyright, send a written notice to agency.services@jumpins.com identifying the copyrighted work, the allegedly infringing material and its location, your contact information, a good-faith statement that the use is unauthorized, a statement under penalty of perjury that the notice is accurate and you are authorized to act, and your physical or electronic signature.

18. User Submissions

You retain ownership of documents and content you submit. You grant us and parties involved in your requested insurance transaction a nonexclusive right to host, copy, transmit, process, and use submissions as necessary to operate the Site, respond to you, quote or service insurance, comply with law, and protect rights.

Do not submit content you lack authority to provide. We are not obligated to publish user content and may remove or restrict content that violates these Terms.

19. Third-Party Services and Links

The Site may link to or integrate carrier, FEMA/NFIP, map, lender, payment, finance, e-signature, chat, social-media, or affiliated websites, including CaliforniaFloodInsurance.com. Third parties control their services, terms, privacy practices, availability, and content. A link or integration is not an endorsement or warranty.

Your use of a third-party service is at your own risk and subject to its terms. We are not responsible for third-party acts, omissions, data, content, or service interruptions.

20. Site Availability and Changes

We may modify, suspend, restrict, or discontinue any Site feature, content, product, or service at any time. We do not guarantee that the Site will be available, secure, uninterrupted, current, or error-free. Maintenance, outages, cyber events, carrier systems, telecommunications, disasters, or other events may affect availability.

21. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SITE, CONTENT, QUOTE TOOLS, CHAT FEATURES, AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” RBIA AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS DISCLAIM ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, SECURITY, AND UNINTERRUPTED OR ERROR-FREE OPERATION.

WE DO NOT WARRANT THAT A QUOTE, MAP, MODEL, VALUATION, COVERAGE SUMMARY, SAVINGS ESTIMATE, AI OUTPUT, OR THIRD-PARTY DATA IS ACCURATE, COMPLETE, CURRENT, OR SUITABLE FOR YOUR NEEDS. NOTHING IN THESE TERMS DISCLAIMS A WARRANTY THAT CANNOT LAWFULLY BE DISCLAIMED.

22. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, RBIA AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS, REVENUE, DATA, OR BUSINESS; OR DAMAGES ARISING FROM SITE USE OR INABILITY TO USE, RELIANCE ON CONTENT OR AUTOMATED OUTPUT, THIRD-PARTY SERVICES OR DATA, UNAUTHORIZED ACCESS, OR DELAYED OR UNDELIVERED COMMUNICATIONS.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR AGGREGATE LIABILITY ARISING FROM THE SITE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) AMOUNTS YOU PAID DIRECTLY TO RBIA SOLELY FOR USE OF THE SITE DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY OR (B) $100.

These limitations do not apply to liability that cannot be excluded or limited under applicable law, and they do not alter rights or obligations under an issued insurance policy between you and an insurer.

23. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless RBIA and its affiliates, officers, directors, employees, agents, licensors, and service providers from third-party claims, losses, liabilities, and reasonable costs arising from your unlawful or unauthorized use of the Site, your material breach of these Terms, your infringement of another’s rights, or content you submit. This section does not require indemnification for our own negligence or misconduct where prohibited by law.

24. Governing Law and Venue

Except where applicable consumer law requires otherwise, these Terms are governed by California law without regard to conflict-of-law rules. Any court proceeding not subject to a valid separate arbitration agreement must be brought in a state or federal court located in San Diego County, California, and each party consents to that venue and jurisdiction.

These Terms do not create a mandatory arbitration agreement. If a transaction or product includes a separate arbitration provision, that provision governs its scope and procedure.

25. Suspension and Termination

We may suspend or terminate Site access when reasonably necessary to protect the Site or users, investigate suspected fraud or abuse, comply with law, enforce these Terms, address inactivity or technical issues, or discontinue a feature. You may stop using the Site at any time.

Termination does not affect obligations or rights accrued before termination. Provisions that by their nature should survive—including intellectual property, disclaimers, limitations, indemnification, governing law, and miscellaneous terms—will survive.

26. Changes to These Terms

We may revise these Terms by posting an updated version and changing the effective or last-updated date. Material changes apply prospectively unless otherwise stated or permitted by law. If required, we will provide additional notice. Continued use after the effective date constitutes acceptance; if you disagree, stop using the Site.

27. Miscellaneous

These Terms, the Privacy Policy, and applicable feature- or transaction-specific terms constitute the agreement concerning Site use. They do not amend an insurance policy, carrier agreement, premium finance agreement, or separately signed consent.

If a provision is unenforceable, it will be limited to the minimum extent necessary and the remainder will remain effective. Failure to enforce a provision is not a waiver. You may not assign these Terms without our written consent; we may assign them in connection with a reorganization, sale, or transfer. Headings are for convenience only. Electronic copies are admissible to the same extent as other business records.

Neither party is liable for delay caused by events beyond reasonable control, except that this does not excuse payment obligations or duties imposed by an insurance policy or law.

28. Contact Information

Statewide Flood Insurance

Operated by Rebecca Byrom Insurance Agency, Inc.

California Insurance License #0L75450

Website: https://www.statewidefloodinsurance.com

Email: agency.services@jumpins.com

Phone: 855-225-3566

Mail: 7960 Silverton Ave., Suite 203, San Diego, CA 92126

29. California Consumer Notice

California users may contact the Complaint Assistance Unit of the Division of Consumer Services, California Department of Consumer Affairs, at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or at (800) 952-5210. This notice does not replace insurance-regulator complaint rights. Questions about the Site may be directed to agency.services@jumpins.com.

30. Acknowledgment

BY ACCESSING OR USING THE SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ AND AGREE TO THESE TERMS. YOU ALSO ACKNOWLEDGE THAT SITE CONTENT AND QUOTE OUTPUT DO NOT CREATE INSURANCE COVERAGE.