Welcome to our new Insurance Blog for your Life

Flood Insurance is a Hot topic right now, and rightfully so with areas of our country flooding for the first time in over 100 years. Important questions you need  answered can be found with your local Insurance Agent best. I highly recommend taking the time to find an Agent you can trust for finding out the following questions about your specific property location. The flood map can be different for your neighbor, that is how close the lines on a flood map can be. Talking one on one gets direct answers and peace of mind in person. To get started, here are a few of my favorite questions that I like to answer for my clients. Hope this helps you, and as always, give me a call if you would like to have a conversation about your insurance. 850-244-1066

What flood zone do I live in? What is my property's flood risk?

 

Is flood insurance mandatory for my property? Will the lender require it?

 

Even if flood insurance isn't required by my lender, do I still need it?

 

Do I qualify for a Preferred Risk Policy?

 

 Does my community participate in the National Flood Insurance Program's Community Rating System (CRS)? If so, does my home qualify for a CRS rating discount?                    

 

What will and won't be covered?

 

Will the Federal Government back my flood insurance policy?

 

How much coverage should I get for my building and for my contents?

 

How can I reduce my premium?

 

Are there additional expenses or agency fees?

 

Will my policy provide Replacement Cost Value or Actual Cash Value—and what's the difference between the two?

 

Who should I call if I have a flood claim?

 

How can I pay for my policy?

 

How do I renew my policy?