Commercial Flood Insurance

With roots on the Massachusetts coast, our team knows a thing or two about flood insurance.


 Flood insurance is complicated and more than half of all written flood policies are wrong. Is yours?

The average business owners policy will not protect you from losses caused by floodwaters. These policies can protect you against other types of naturally occurring damages like fire or lightning. A commercial flood insurance policy can protect your business against a range of environmental threats. Overflowing water from nearby streams or rivers can prove damaging to a property, particularly after a period of prolonged rainfall. Additionally, heavy rain can create storm drain blockages or even breaks in dams or levees. A commercial flood insurance policy can protect your business against these perils, among others.


Letter of Map Amendment (LOMA)

A Letter of Map Amendment or LOMA is an official amendment, by letter, to an effective National Flood Insurance Program (NFIP) map. A LOMA can result in the removal or reclassification of a property from a flood zone and the elimination of the requirement to carry flood insurance.

Flood Audits

The Residential Property Flood Audit consists of an in-depth review of existing policies, historical mapping, elevation certificates, and more. The Flood Audit includes a comprehensive report to the client.

Custom Consulting

RogersGray’s Flood Specialist; Joe Rossi, ANFI, CFM, is available to provide additional Flood Insurance consulting on a situational basis, including: Flood loss history reports and review of a building’s flood plain; Assistance in complex FEMA and NFIP issues; Building compliance site visits.




Rossi is a nationally recognized flood specialist. Joining RogersGray in 2017, Rossi provides a vast depth and understanding of coastal flood issues and legislation.

He has acquired his associate of national flood insurance (ANFI) and the certified floodplain manager (CFM) certification in 2016, one of the highest certifications in the flood insurance industry.

Rossi is a member of the board of directors for the National Flood Determination Association, a trade organization for producers of flood zone determinations.

Complete Credentials & Boards

  • Chair and Executive Director, Massachusetts Coastal Coalition
  • Chair, National Flood Association Legislative Committee
  • Board Member, Independent Insurance Agents and Brokers Flood Insurance Task Force
  • Board Member, Massachusetts Floodplain Managers Association
  • Chair, Marshfield Community Rating System Committee
  • Member, Association of State Floodplain Managers

Learn more about Joe or book him for a speaking engagement by clicking below.