ACORD 29 is Evidence of Flood Insurance. It summarizes flood policies associated with a property for an additional interest such as a lender. The form can show primary and excess flood layers, building and contents amounts, deductibles, policy dates, and key property details. It does not amend the policy or guarantee that coverage will remain in force.
What does ACORD 29 show?
The 2016/03 edition includes property information and separate sections for a primary flood policy and excess policies. It identifies whether coverage applies to building, contents, or both. It also provides space for deductibles, total insurance amounts, market and policy-form information, and certain time-element coverages.[1]
Is ACORD 29 the flood insurance policy?
No. Like ACORD 27 property evidence, the form is issued for information only and does not amend, extend, or alter the policies. A lender may use it to review evidence, but the insured still needs the declarations and policy forms to understand coverage. If the evidence conflicts with the policy, the policy governs.
What should a lender or owner verify?
Confirm that the named insured and property address match the loan or ownership records. Compare the effective and expiration dates with the required period. Review building and contents amounts separately, since one does not substitute for the other. If excess coverage is required, check that each layer begins where the underlying layer ends and that no date gap appears.
Flood-zone and occupancy information can affect underwriting, but the entry on an evidence form is not a flood-zone determination. FEMA directs users to its Flood Map Service Center for official flood hazard information.[2]
Where can you get ACORD 29?
New York's Department of Financial Services publishes the approved 2016/03 certificate for public inspection.[1] Licensed users can obtain current forms through ACORD's Forms Portal.[3]
Frequently asked questions
Does ACORD 29 prove a property is fully insured for flood?
It reports the coverage shown by the listed policies on the issue date. Whether the amounts and terms satisfy a loan, contract, or actual rebuilding need requires a separate review.
Is private flood insurance shown on ACORD 29?
The form can identify NFIP or private-market coverage. Review the market and policy form shown for each layer rather than assuming every flood policy is an NFIP policy.
The Bottom Line
Use ACORD 29 to organize and review evidence of flood coverage. Match the property, policy dates, deductibles, and primary and excess layers. Read the policies themselves for the coverage contract.
This guide is educational and describes ACORD 29 in original language. Menlo Insurance Services is not affiliated with ACORD Corporation. The insurer's documents control.
References
- 1.New York Department of Financial Services. “ACORD 29 (2016/03) Evidence of Flood Insurance.” Accessed September 2026. https://www.dfs.ny.gov/system/files/documents/2021/02/acord_29_2016-03.pdf ↩
- 2.Federal Emergency Management Agency. “Flood Map Service Center.” Accessed September 2026. https://msc.fema.gov/portal/home ↩
- 3.ACORD. “Forms Portal.” Accessed September 2026. https://formsportal.acord.org/Home ↩