Primary Flood NSU Property offers competitive alternatives to the National Flood Insurance Program (NFIP). Limits up to $2,500,000 per building on our primary and ground-up flood insurance for one and two-story condominium association complexes. This program is available in all 50 states. We use an admitted carrier in each state so there are no surplus lines taxes/fees applicable. Underwriting guidelines generally match those of the NFIP on properties at least 1,000 feet from the Ocean or Gulf. Coverage Options Option to include Business Income Deductibles range from $500 per building to $10,000 per building Replacement cost coverage available Waiver of Co-insurance Clause available Increased Cost of Construction (ICC) available – $30,000 each building