Flood Insurance: A few things you really should know

Flood Insurance Rates Are Established by the Government

Flood insurance rates are cut in stone by the Federal Government. You have no need to shop rates.

Agents Are Not Permitted to Bind Flood Coverage

Flood Insurance agents do not have binding authority. It takes your signature and receipt of money to validate coverage for your mortgage lender. We make this easy, you can pay the FloodSmart Insurance Agency with a Visa, MasterCard, American Express, or Discover Card. We also take computer checks (the bank refers to them as drafts). Please call customer service for assistance.

Flood Insurance is Required by Law

To get secured financing to buy, build, or improve structures in Special Flood Hazard Areas (SFHA’s) you will be required to purchase flood insurance. Lending institutions that are federally regulated or federally insured must determine if the structure is located in a SFHA and must provide written notice requiring flood insurance.

We are Flood Insurance Specialists

With over 25 years of working with the National Flood Insurance Program we know that purchasing flood insurance can sometimes be frustrating and we are committed to making your experience as easy and trouble-free as possible. If you have any questions or need additional assistance please don’t hesitate to contact us.