Underwriting Consultant II - Flood Product

National General is a part of The Allstate Corporation, which means we have the same innovative drive that keeps us a step ahead of our customers’ evolving needs. We offer home, auto and accident and health insurance, as well as other specialty niche insurance products, through a large network of independent insurance agents, as well as directly to consumers. 

Job Description

We are seeking a detail-oriented Flood Underwriter to evaluate, price, and manage flood insurance risks across a diverse portfolio.
The ideal candidate will demonstrate strong critical thinking skills, sound judgment, and the ability to analyze complex data, exposures, and coverage structures to make informed underwriting decisions.
This role requires balancing risk appetite with profitability while providing high-level service to internal teams and external partners.

• Evaluate and underwrite flood insurance submissions in accordance with underwriting guidelines, authority levels, and regulatory requirements
• Apply critical thinking and analytical reasoning to assess flood risk, including property characteristics, flood zones, elevation data, loss history, and catastrophe modeling
• Interpret flood maps, elevation certificates, engineering reports, and third-party data to identify risk factors and coverage implications
• Make independent underwriting decisions, including pricing, coverage terms, limits, deductibles, and exclusions
• Identify potential accumulation and aggregation concerns and escalate complex risks as needed
• Collaborate with brokers, agents, and internal stakeholders to clarify exposure details and negotiate terms
• Maintain accurate documentation of underwriting decisions and rationale
• Monitor portfolio performance, loss trends, and market conditions to recommend underwriting adjustments
• Ensure compliance with all applicable regulations, internal controls, and underwriting standards
• Contribute to continuous improvement of underwriting guidelines, processes, and risk selection strategies

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Compensation

Base compensation offered for this role is $53,500 to $77,800 annually and is based on experience and qualifications. 

Joining our team isn’t just a job — it’s an opportunity. One that takes your skills and pushes them to the next level. One that encourages you to challenge the status quo. One where you can shape the future of protection while supporting causes that mean the most to you. Joining our team means being part of something bigger – a winning team making a meaningful impact.

Effective July 1, 2014, under Indiana House Enrolled Act (HEA) 1242, it is against public policy of the State of Indiana and a discriminatory practice for an employer to discriminate against a prospective employee on the basis of status as a veteran by refusing to employ an applicant on the basis that they are a veteran of the armed forces of the United States, a member of the Indiana National Guard or a member of a reserve component.

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It is the Company’s policy to employ the best qualified individuals available for all jobs. Therefore, any discriminatory action taken on account of an employee’s ancestry, age, color, disability, genetic information, gender, gender identity, gender expression, sexual and reproductive health decision, marital status, medical condition, military or veteran status, national origin, race (include traits historically associated with race, including, but not limited to, hair texture and protective hairstyles), religion (including religious dress), sex, or sexual orientation that adversely affects an employee's terms or conditions of employment is prohibited. This policy applies to all aspects of the employment relationship, including, but not limited to, hiring, training, salary administration, promotion, job assignment, benefits, discipline, and separation of employment.

National General Holdings Corp., a member of the Allstate family of companies, is headquartered in New York City. National General traces its roots to 1939, has a financial strength rating of A– (excellent) from A.M. Best, and provides personal and commercial automobile, homeowners, umbrella, recreational vehicle, motorcycle, supplemental health, and other niche insurance products. We are a specialty personal lines insurance holding company. Through our subsidiaries, we provide a variety of insurance products, including personal and commercial automobile, homeowners, umbrella, recreational vehicle, supplemental health, lender-placed and other niche insurance products.

Companies & Partners

Direct General Auto & Life, Personal Express Insurance, Century-National Insurance, ABC Insurance Agencies, NatGen Preferred, NatGen Premier, Seattle Specialty, National General Lender Services, ARS, RAC Insurance Partners, Mountain Valley Indemnity, New Jersey Skylands, Adirondack Insurance Exchange, VelaPoint, Quotit, HealthCompare, AHCP, NHIC, Healthcare Solutions Team, North Star Marketing, Euro Accident.

Benefits

National General Holdings Corp. is an Equal Opportunity (EO) employer – Veterans/Disabled and other protected categories. All qualified applicants will receive consideration for employment regardless of any characteristic protected by law. Candidates must possess authorization to work in the United States, as it is not our practice to sponsor individuals for work visas. In the event you need assistance or accommodation in completing your online application, please contact NGIC main office by phone at (336) 435-2000.