Typically, a private flood policy is a policy not issued through the NFIP. The only carrier I know of is Lloyd's of London, but I'm sure there are others. Allstate and Tranvelers both issue SFIPs which are underwritten using the NFIP standards (I think I have that right). These are know as WYO (write your own) policies.
Last edited by Dani York; 10/22/12 06:35 PM.
As to the temporary dec page question, if the policy is new, you will not get a dec page when the policy is issued. The official dec page is issued within 30 days of application and payment, and that is typically mailed from the insurers main office, not through the agent's office. If you are accepting proof at the purchase of the policy, you will want a copy of the application and proof of premium payment.
I can't herd the cats anymore, so I just set up the electric fences and let them fry when they stray out of bounds.