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About Flood Risk Solutions

Problem Solved

(capacity, pricing, ease of use)

A quacktastic solution.

Flood Risk Solutions provides state of the art insurance placements for your residential and commercial risks across the United States.

Welcome to Flood Risk Solutions, Inc (FRS). Established in 2017 by Brendan Moeller and Eugene Podokshik our company was born out of a shared commitment to address the pressing need for expanded private flood insurance capacity, create ease of use quote/rate/bind technology, and offer pricing for coverages from a spectrum of providers in one platform. FRS sprang to life in response to the lack of flood insurance options and the pressing need for a splash of innovation in the industry.

In the backdrop of a landscape dominated by the National Flood Insurance Program (NFIP), Brendan and Eugene identified a critical gap in the market. The majority of flood insurance transactions were tethered to government programs, limiting choices for individuals and businesses seeking comprehensive coverage. Although a few private market providers existed, the evolving dynamics of the NFIP, marked by escalating rates, created an opportune moment for private enterprises to offer alternative solutions.

Determined to usher in change, Brendan and Eugene embarked on a mission to redefine the flood insurance landscape. They recognized the absence of comparative raters, a tool pivotal for empowering clients to make informed decisions. With a vision to democratize access to flood insurance and simplify the procurement process, they set out to build a company that would bridge the gap between demand and supply in this critical sector. In 2018, Flood Risk Solutions became a coverholder for Lloyds of London and began offering its first flood insurance program. The first to market and still the best flood comparative rater went live in 2020. FRS leveraged its technology platform to integrate flood model results to guide pricing and underwriting decisions in a real time environment. The proprietary systems enable seamless real time analysis, pricing, and binding of risks. The application program interface is designed to easily integrate with partner's agency management systems.

At Flood Risk Solutions our core mission is to provide not just flood insurance products, but a comprehensive suite of solutions designed to meet the diverse needs of our clients which now include more than flood. We are proud to introduce innovative offerings such as flood insurance multi-rater, wind deductible buy-downs, custom risk transfer, modeling and analytics, cyber insurance, and parametric insurance, setting new standards for flexibility and customization in the industry. Offering a full suite of flood products on a primary and excess basis, including private flood in catastrophe prone geographies. FRS product offerings are distributed through a network of contracted partners.

What sets us apart is our relentless pursuit of excellence, manifested through the proprietary technology we have developed to revolutionize the flood insurance space. Our cutting-edge systems streamline the entire process, making it easier than ever for individuals and businesses to secure the protection they need at the best available pricing in the marketplace.

Join us on this journey of innovation and reliability. At Flood Risk Solutions we are building a foundation for a more resilient and secure tomorrow.

Leadership

  • Brendan Moeller
    Brendan is a co-founder of FRS and currently serves as Managing Director. Brendan is responsible for the roll-out of the MGA and wholesale technology platform, carrier partnerships, and product implementation. Prior to joining FRS, Brendan started his career with the Hartford Financial Services Group in New York, NY in 2003, where he served as an underwriter. Following his tenure with The Hartford, Brendan served as a Vice President for two (2) insurance wholesalers before his shift to the Private Equity space in 2014, where he focused on a capital raise and the launch of a property carrier in Florida. Brendan served as Director for the corporation and developed the company􀂶s small commercial BOP product in Louisiana and Florida. Additionally, he served on the reinsurance and business development committees responsible for a corporate reinsurance placement as well as mergers and acquisition strategy. Brendan holds a CPCU designation and earned a Bachelors Degree in Economics from St. Lawrence University in 2003.
  • Eugene Podokshik
    Eugene is a co-founder of FRS and currently serves as Executive Chairman. Eugene started his career in Venture Capital but moved early on into the insurance industry where he has held various roles since. In 2012, Eugene founded a P&C insurance agency which he operated for years before recently selling to a private equity backed firm that services middle market commercial business. Prior to successfully building an selling his agency, Eugene was an Executive Vice President of a leading national specialty broker with a niche focus on serving the Private Equity, Financial Institutions M&A, and Real Estate spaces. As an entrepreneur in the insurance space with a 20-year track record, Eugene has developed deep knowledge of the industry, with specific expertise in a variety of specialty markets. His vast experience has suited him well in his tenure, developing himself into a trusted leader and business partner. Eugene holds his CPCU and CRIS designations and earned a Bachelors Degree in Economics and Political Science from New York University.
  • Ilya Ilyayev
    Ilya Ilyayev serves a Vice President of Technology at Flood Risk Solutions, Mr. Ilyayev is responsible for the overall technology systems, including the online rater for FRS. Mr. Ilyayev has over 20 years of technology experience, having held various senior roles at several technology companies.
  • Chad LaTour
    Chad LaTour is an accomplished insurance executive with over 20 years of experience in the industry, with a specialization in navigating the complexities of flood insurance. As the founder and managing partner of LaTour Risk Solutions a division of Flood Risk Solutions, Inc, he is dedicated to providing comprehensive coverage tailored to the unique needs of his clients. Chad LaTour proudly served our country for seven years in the US Navy, instilling in him a strong work ethic and a deep sense of duty. He currently resides in Palma Sola, FL, with his wife Valerie and their two children, Tommy and Grace. Chad's extensive knowledge of flood insurance has earned him the prestigious designation of Associate in National Flood Insurance (ANFI). Holding surplus lines and property & casualty licenses in multiple states, his expertise extends nationwide. Chad is also a certified Continuing Education (CE) instructor in Florida, ensuring that agents possess the necessary skills and knowledge to effectively serve their clients.

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Contact us

  • Toll Free (833) US-Flood [833-873-5663], Office (813) 336-8226

    Chat Online – click on chat icon (bottom right) (business hours only)

    Get Appointed. Click on link or email info@floodsol.com
    Lender proof of coverage email support@floodsol.com
    New Quote - single location risk Login 
    New Quote – schedule email submission to quote@floodsol.com

    Accounting - info@floodsol.com
    Press Inquiries - info@floodsol.com

  • Mail:
    Flood Risk Solutions, Inc. 
    360 Central Avenue, Suite 800
    St. Petersburg, FL 33701

  • Our Payment Processing Address:
    Flood Risk Solutions, Inc.
    Department 3480
    PO Box 986500
    Boston, MA, 02298-6500

    Our Overnight Payment Processing Address:
    Flood Risk Solutions, Inc. / XPT Partners, LLC
    338 East Montpelier Road
    Barre, VT 05641

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