The Flood Insurance Guru: Recent Episodes
chris
The 2024 Guide to Flood Insurance
Episode Overview:
In this episode, we’re taking a deep dive into everything you need to know about flood insurance in 2024. Whether you’re a homeowner, real estate investor, or just curious about how flood insurance works, we’ve got you covered. We'll explore various flood insurance options, coverages, deductibles, understanding flood zones, and the crucial role of flood scores.
What You'll Learn:
1. Flood Insurance Options:
- The difference between federal flood insurance through the National Flood Insurance Program (NFIP) and private flood insurance options.
- How to choose the right policy for your property’s risk and your financial needs.
- Understanding Coverages:
- What is typically covered by flood insurance and what isn’t.
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Special considerations for building property and personal content coverage.
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Deductibles Explained:
- How choosing the right deductible can affect your premium and out-of-pocket costs during a claim.
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Tips for balancing risk and affordability.
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Flood Zones and Their Impact:
- How flood zones are determined and their importance in your insurance policy.
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Recent changes to flood zone designations and what they mean for you.
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The Importance of Flood Scores:
- What a flood score is and how it influences your flood insurance rates.
- Strategies for improving your property’s flood score and potentially lowering your insurance costs.
Listener Questions:
- We answer your most pressing questions about flood insurance—everything from policy limits to what happens if you're newly mapped into a high-risk flood zone.
Resource Links:
- [Link to NFIP Guidelines]
- [Link to Your Flood Zone Review Service]
- [Link to an Interactive Flood Map]
Don’t wait for the flood waters to rise before you get covered! Visit our website at to learn more about your options, or give us a call to discuss how we can help you stay protected.
Contact Information:
- Website: FloodInsuranceGuru.com
- Email: flood@floodinsuranceguru.com
- YouTube: Flood Insurance Guru Channel
Remember, knowledge is power, especially when it comes to protecting and maximizing your real estate investments.
Introduction:
- Welcome back to The Flood Insurance Guru Podcast, hosted by Chris Greene, owner of The Flood Insurance Guru and The Flood Professor.
- This podcast is dedicated to bringing flood education to homeowners, real estate investors, and real estate professionals.
Episode Overview:
- Topic: Climate Change Isn’t the Problem
- Chris discusses how human behavior, not just climate change, plays a crucial role in flood risks and disaster recovery.
Key Points:
- Climate Change vs. Human Behavior:
- Climate change is a significant issue, but it’s been happening for centuries.
- Rapid climate changes are causing more frequent and severe flooding events.
- Major floods in recent years: Houston, Dallas, St. Louis, Birmingham, and Waverly.
- Human Behavior and Disaster Response:
- Rebuilding in the same areas post-disaster without changes.
- Importance of adhering to local floodplain management guidelines.
- The role of the National Flood Insurance Program (NFIP) and its guidelines.
- Flood Insurance and Risk Awareness:
- Many homeowners only purchase flood insurance when required by banks.
- There is a need to understand flood risk scores and not solely rely on flood zones.
- It is important to know the specific risks related to properties, such as proximity to creeks, rainfall, or basement issues.
- Changing Beliefs and Behaviors:
- Changing beliefs about flood risk and financial protection.
- Understanding flood zones and maps can be outdated and not fully indicative of actual risk.
- Using tools and resources to make informed decisions about property investments in flood-prone areas.
- The Consequences of Inaction:
- The financial and emotional toll of flood recovery.
- There is a potential for businesses to never reopen after a flood due to inadequate insurance.
- There is limited assistance from the government when disasters are not declared officially.
Call to Action:
- Resources: Download guides on flood zones and understanding flood insurance from the podcast description.
- Engagement: Visit the YouTube channel, Flood Insurance Guru, for additional educational videos.
- Blog: Check out the podcast blog on the website, floodinsuranceguru.com, for deeper insights.
Guide to flood zones
Check Your Flood Risk
Get a Flood Insurance Quote
Website
Contact Information:
- Website: FloodInsuranceGuru.com
- Email: flood@floodinsuranceguru.com
- YouTube: Flood Insurance Guru Channel
Remember, knowledge is power, especially when it comes to protecting and maximizing your real estate investments.
Introduction:
Welcome back to the Flood Insurance Guru podcast, where we clarify the complexities of flood insurance and provide you with actionable insights to protect your home and assets. In today's episode, we're diving into the transformative power of artificial intelligence (AI) in the insurance sector and how it's shaping a new buying experience for property owners and real estate professionals
Key Highlights:
- The Role of AI: Explore how artificial intelligence is set to change the game for homeowners, real estate professionals, and potential homeowners. AI is not just a buzzword; it's a tool that can save you time and reduce the frustration often associated with insurance buying process and understanding policy coverages.
- Why Listen: If you're frustrated with buying insurance with no confidence, this episode will arm you with knowledge on how AI can streamline the process, ensuring you're well-informed and prepared for any flood disasters.
Love what you're hearing? Make sure to leave us a review on your favorite podcast platform and share your thoughts. Your feedback helps us bring more valuable content to you.
Today's Deep Dive: Artificial Intelligence in Insurance
- Insurance Policy Jackets: We discuss the importance of understanding your policy's fine print, which can often feel like a daunting task. AI, specifically tools like Claude, can analyze these documents, highlighting key coverage points, exclusions, and definitions without you having to sift through pages of jargon.
- Real-World Application: Chris shares his personal experience with using AI to dissect policy details, from deductibles to mortgage clauses, turning what could be weeks of back-and-forth with agents into a matter of hours.
- The Power of Clarity: Understanding exactly what your policy covers and what it doesn't can significantly adjust your expectations and prevent disappointment during claims. AI tools provide this clarity, enabling you to make informed decisions about your insurance coverage.
- Embracing AI Tools: While AI is not without its flaws, its benefits in time-saving and providing deeper insights into insurance policies are undeniable. We discuss how both consumers and agents can leverage AI for a better insurance buying experience.
Key Takeaways:
- AI can transform the insurance buying experience by providing clarity and saving time.
- Understanding your insurance policy thoroughly can adjust expectations and prepare you for claims.
- Tools like AI can assist in uncovering details about your policy you might not have known otherwise.
For more insights and to stay updated on the latest in flood insurance, visit our website at floodinsuranceguru.com and check out our Learning Center.Dive deeper into this topic on our YouTube channel, Flood Insurance Guru, where we regularly post informative videos.
Thank you for joining us on this enlightening journey into the future of insurance buying. AI is here to stay, and by embracing these tools, we can ensure that we're not only well-protected but also well-informed. Stay tuned for more episodes where we clarify the complexities of flood insurance and help you the process with ease.
Contact Information:
- Website: FloodInsuranceGuru.com
- Email: flood@floodinsuranceguru.com
- YouTube: Flood Insurance Guru Channel
Remember, knowledge is power, especially when it comes to protecting and maximizing your real estate investments.
In this pivotal episode of the Flood Insurance Guru podcast, we're diving deep into the essentials every real estate agent must understand about flood zones, bank requirements, flood insurance options, flood risk scores, and flood loss history. Whether you're navigating the sale of a waterfront property or advising clients in flood-prone areas, this episode is your comprehensive guide to mastering the complexities of flood insurance and ensuring your clients are well-informed and protected.
Flood Zones Demystified: We start by breaking down the ABCs of flood zones. From high-risk areas designated as zones A and V to the moderate-to-low-risk zones B, C, and X, understanding these classifications is crucial for real estate agents. We'll explain how these zones impact insurance requirements, property values, and buyer perceptions.
Bank Requirements Unveiled: Next, we tackle the often-complex world of bank requirements for properties in different flood zones. Learn about the mandatory purchase requirement for flood insurance in high-risk areas and how to navigate the exceptions and nuances that can impact your closing process.
Exploring Flood Insurance Options: With the landscape of flood insurance constantly evolving, we'll guide you through the traditional NFIP policies versus the burgeoning market of private flood insurance. Discover how to evaluate the best options for your clients, considering coverage limits, policy costs, and the intricacies of what's covered and what's not.
Flood Risk Score Explained: The introduction of Risk Rating 2.0 by FEMA has revolutionized how flood risks are assessed, moving beyond simple zone designations to a more nuanced flood risk score. We'll dive into how these scores are calculated and what they mean for homeowners, offering a clearer picture of the actual risk faced by properties.
The Importance of Flood Loss History: Lastly, we'll discuss the critical role of a property's flood loss history in determining insurance rates and property desirability. Understanding how previous flood claims affect current and future policies is key for any real estate agent looking to provide the best advice to their clients.
Join us in Episode 434 of the Flood Insurance Guru podcast as we equip real estate agents with the knowledge and tools needed to navigate the flood insurance landscape confidently. Whether you're a seasoned agent or new to the field, this episode is packed with invaluable insights to help you safeguard your clients' investments and ensure smooth, informed property transactions in flood-impacted areas.
Contact Information:
- Website: FloodInsuranceGuru.com
- Email: flood@floodinsuranceguru.com
- YouTube: Flood Insurance Guru Channel
Remember, knowledge is power, especially when it comes to protecting and maximizing your real estate investments.
Guide to Flood Insurance in Flood Zone AE in 2024. Thats what we are discussing. We look at these areas in this podcast.
- What is flood insurance
- What is flood zone AE
- Bank Requirements
- Flood Coverages
- Flood Insurance Options
- Fighting Flood Zone AE
Get you flood insurance quote here
Contact Information:
- Website: FloodInsuranceGuru.com
- Email: flood@floodinsuranceguru.com
- YouTube: Flood Insurance Guru Channel
Remember, knowledge is power, especially when it comes to protecting and maximizing your real estate investments.
Flood insurance premiums in Birmingham Al are skyrocketing
What can you do?
Can you fight them?
Are they accurate?
We discuss all those things in this episode of the podcast.
Ready to purchase flood insurance click here
Want to learn more about flood insurance click here
Look at changing your flood zone click here
Contact Information:
- Website: FloodInsuranceGuru.com
- Email: flood@floodinsuranceguru.com
- YouTube: Flood Insurance Guru Channel
Remember, knowledge is power, especially when it comes to protecting and maximizing your real estate investments.
In this podcast we look at mistakes i made as a homeowner purchasing flood insurance.
We look at
- Pricing
- Private flood Insurance
- Coverages
Need an elevation certificate click here
Ready to get flood insurance click here
Contact Information:
- Website: FloodInsuranceGuru.com
- Email: flood@floodinsuranceguru.com
- YouTube: Flood Insurance Guru Channel
Remember, knowledge is power, especially when it comes to protecting and maximizing your real estate investments.
Are you navigating the complex world of flood insurance? Are you unsure about your options when it comes to protecting your home or property from one of nature's most destructive forces? Join us on "Navigating the Waters of Private Flood Insurance," a podcast dedicated to unraveling the intricacies of private flood insurance and helping you make informed decisions to safeguard your assets.
Hosted by experts in the insurance industry, each episode explores a different facet of private flood insurance, shedding light on the following key topics:
- Understanding Flood Risk: We'll delve into the science of floods, floodplain mapping, and how to assess your property's risk accurately.
- Federal vs. Private Insurance: Learn about the key differences between the National Flood Insurance Program (NFIP) and private flood insurance, and why private coverage might be the right choice for you.
- Policy Options and Coverage: Discover the various policy options available in the private market, including building and contents coverage, excess flood insurance, and more.
- Cost and Affordability: We'll break down the cost factors involved in private flood insurance and offer tips on finding affordable coverage that meets your needs.
- Claims Process: Gain insights into how the claims process works with private flood insurance providers and what you can do to ensure a smooth claims experience.
- Regulatory Landscape: Stay up-to-date with the latest changes and regulations affecting private flood insurance, ensuring you're always informed and compliant.
- Expert Interviews: Hear from industry experts, insurance agents, and homeowners who have firsthand experience with private flood insurance. Their stories and advice can help you make informed decisions.
Whether you're a homeowner, renter, real estate professional, or insurance agent, this podcast equips you with the knowledge and tools you need to navigate the waters of private flood insurance confidently. Join us as we dive into this essential topic, ensuring you have the protection you need when disaster strikes.
Ready to start a quote start here
Visit the flood learning center here
Contact Information:
- Website: FloodInsuranceGuru.com
- Email: flood@floodinsuranceguru.com
- YouTube: Flood Insurance Guru Channel
Remember, knowledge is power, especially when it comes to protecting and maximizing your real estate investments.
In this episode of the podcast we are comparing Neptune private flood insurance versus federal flood insurance also known as the national flood insurance program
We looking at the following things
- Coverages
- Pricing
- Wait Periods
- Claims
If you want to learn more about flood insurance you can visit the learning centers here
You can start the process of getting a flood quote by clicking here
Contact Information:
- Website: FloodInsuranceGuru.com
- Email: flood@floodinsuranceguru.com
- YouTube: Flood Insurance Guru Channel
Remember, knowledge is power, especially when it comes to protecting and maximizing your real estate investments.
In this episode of the podcast we are looking at 3 ways to lower your mortgage payment. We look at the following areas
- Homeowners insurance
- Flood insurance
- Tax bills
We look at strategies in each of these 3 areas.
If you are ready to purchase flood insurance you can click here
If you want to learn more about your flood risk click here
Contact Information:
- Website: FloodInsuranceGuru.com
- Email: flood@floodinsuranceguru.com
- YouTube: Flood Insurance Guru Channel
Remember, knowledge is power, especially when it comes to protecting and maximizing your real estate investments.
Being a first time home buyer can be scary. Navigating the waters of homeownership needs the guidance of an expert. In this podcast we look at 3 mistakes first time home buyers make
We look at
- Flood Risk Scoring
- Flood Loss History
- Flood Insurance Pricing
I wish i would have known about these mistakes when i bought a home in a flood zone more than 12 years ago. It is why I have been helping property owners avoid these mistakes the last 12 years.
You can check the flood risk score of your property by clicking here
You can get a flood insurance policy on your property by clicking here
Contact Information:
- Website: FloodInsuranceGuru.com
- Email: flood@floodinsuranceguru.com
- YouTube: Flood Insurance Guru Channel
Remember, knowledge is power, especially when it comes to protecting and maximizing your real estate investments.
New York was recently devastated by flooding. In this podcast we look at what happened. We look at how New York homeowners can protect themselves from financial ruin and what future weather events may mean for New York Homeowners.
Ready to get flood insurance click here
Visit Yourtube channel here
Contact Information:
- Website: FloodInsuranceGuru.com
- Email: flood@floodinsuranceguru.com
- YouTube: Flood Insurance Guru Channel
Remember, knowledge is power, especially when it comes to protecting and maximizing your real estate investments.
In this episode we are discussing the pending government shutdown for Septemeber 30, 2023.
Government shutdown could delay your home closing or flood insurance. This podcast walks you through exactly what to do to get closed on your dream home in time. What you could potentially lose by not following these steps. So listen to the podcast, get that flood insurance in place, and get back to living life.
Ready to get flood insurance click here
Visit thee Youtube channel here
Contact Information:
- Website: FloodInsuranceGuru.com
- Email: flood@floodinsuranceguru.com
- YouTube: Flood Insurance Guru Channel
Remember, knowledge is power, especially when it comes to protecting and maximizing your real estate investments.
In this episode of the podcast we are discussing is flood insurance expensive in Florida
We look at the national flood insurance program and private flood insurance.
We look at what has changed since risk rating 2.0 went into place in 2021 and what has changed on the private flood insurance side since Hurricane Ian.
Ready to purchase flood insurance? 3 easy steps Start by clicking here
In this podcast, we are discussing if flood insurance is required in Florida
We look at a few things
- Flood Zones
- Flood Zone a and Flood Zone V
- Mortgage Requirements
- Disaster Assistance Requirements
If flood insurance is not required do you still need it
We look at how to get flood insurance when FEMA does not offer it.
Ready to purchase flood insurance? 3 east steps start by clicking here
Want to learn more about what is flood insurance? Click here
In this episode of the podcast we are discussing if private flood insurance is a good choice for multifamily investment properties.
We look at coverages, pricing, claims, and policy forms.
Ready to get flood insurance on your multi family investment property click here
In this episode of the podcast we are discussing th number 1 mistake we see multi family investors make everyday.
That is not checking the flood zone and flood risks on a property.
This two things could cost you thousands if you are not careful.
Check them here
In this episode of the podcast we are discussing how to purchase flood insurance on multi family investment properties in Chattanooga TN.
We look at the flood insurance options
- National Flood Insurance Program
- Private flood insurance
We look at coverages available
- Building coverage
- Business property coverage
- Business interruption coverage
We look at the difference in. pricing today and years down the road. We also look at how to increase profit per door by potentially changing flood zones
Ready to purchase multi family investor flood insurance click here
In this episode of the podcast we are answering the question can FEMA require me to elevate my property?
We look at two specific types of properties
- Substantially damaged properties
- Substantially improved properties
Visit the flood learning center here
Ready to get flood insurance click here
In this episode of the podcast we are speaking to multi family investors and people who may work with multi family investors.
We are addressing 3 questions for properties in flood zone A
- Is flood insurance going to be required
- Is flood insurance going to be expensive
- Can the flood zone be changed
If you want to learn more about these three issues visit the learning center here
If you are ready to start the journey of purchasing flood insurance click here
In this episode of the podcast we are discussing 5 things multi family investors must know when it comes to flood insurance
- What coverage is needed
- How do improvements impact flood insurance
- What are the flood insurance options
- What are the exclusions
- What are the bank requirements
Ready to get the multi family investor flood insurance in place click here
Visit the flood learning center click here
In this episode of the podcast, we look at why commercial flood insurance rates are increasing and what can you do about it?
We look at
- Climate change
- Infrastructure cost
- Insurance regulations
- Increased development in high-risk areas
What can you do about it?
- Mitigation measures
- Shop around for flood insurance
- Know the flood risk
If you are ready to take the steps to solve the flood insurance problem click here
In this episode, we look at the insurance market crashing.
What do you need to know as an insurance agent and conumer
How will this impact flood insurance?
In today's podcast we are discussing what is the better flood insurance solution for you?
Is it the National Flood Insurance Program or Private Flood Insurance
- Are you looking for more than $250,000 in building coverage
- Have you had flood claims
- Looking for replacement cost on contents
- Looking for limited rate increases
- looking for best overall pricing
This five questions will lead you to the best solution for your situation
In this podcast we are looking at three common problems people have with flood insurance and how to solve them.
We look at
- Why bank will not accept flood policy
- How deductibles work
- What does policy cover
In this episode of The Flood Insurance Guru podcast, we look at the role insurance plays in avoiding financial devastation.
We look at major events in which insurance has played a role. We look at other countries' insurance systems compared to the United States and what we can learn.
Ready to get a flood insurance quote click here
In this episode of the podcast, we look at the claims variable with the National Flood Insurance Program. We look at how this can benefit property owners, real estate agents, lenders, and insurance agents.
You can find the video and blog in our learning center by clicking here
Ready to purchase the right flood insurance coverage click here
In this episode of The Flood Insurance Guru podcast, we are discussing what does flood insurance cover? and what is defined as a flood.?
If you are ready to take the next steps to purchase the right flood insurance coverage then click here
Order elevation certificates here
Find your flood risk here
In this episode of the podcast we are discussing if snow melt damage is covered by flood insurance.
We look at the following things
- What is a flood?
- What is ground water?
- What is surface water?
- Resources for flood education
In this episode of the podcast, we are discussing flood insurance and profitability on investment properties. We are looking at how to minimize the cost of flood insurance, how to use it to keep revenue coming in, the different flood insurance options, and flood zone changes.
There have been alot of changes with flood insurance recently. One of these changes is FHA accepting private flood insurance.
How could this impact your buying power on a home?
That is exactly what we discuss in this podcast
We look at the power of private flood insurance
Ready to get the right flood insurance coverage? click here
Visit the flood learning center here.
It's episode 400 and we look at how the flood world has changed since episode 1.
- We look at how flooding has changed
- We look at how flood insurance underwriting has changed
- We look at how flood insurance options have changed
- What does the flood world look like going forward
Read to take the next steps to get the right flood insurance? click here
FHA recently started accepting private flood insurance in Alabama. Does this mean affordable flood insurance is coming to Alabama?
We look at that in this podcast and some relaxing of state laws to help bring more private flood insurance to Alabama.
Ready to get the right flood insurance? click here
Is the National Flood Insurance Program going out of business? Thats exactly what we are discussing today.
We are looking at two major changes in the last two years
- Risk rating 2.0
- FHA accepting private flood insurance
Could these two changes be the final blow to the National Flood Insurance Program?
If you are ready to purchase flood insurance the right way click here
In this episode of the podcast, we are looking at how FHA accepting private flood insurance could impact coverage requirements,
We look at the current coverage requirements and how those requirements could change.
Ready to take the next steps to get the right flood insurance coverage? Click here
Today i tell you about my experience of buying a house in a flood zone.
I talk about things like private flood insurance, national flood insurance program, policy assumptions, and flood zone changes.
I look at lessons learned 10 years ago.
Effective 12/21/20225 FHA will accept private flood insurance. In this podcast, we talk about some stipulations and things you need to pay attention to.
We talk about non-participating communities
We talk about flood insurance coverage
Ready to take the next steps to get the right flood coverage click here
In this podcast we are looking at hurricane Ian lessons learned
We look at 3 lessons
- Need for flood insurance and understanding flood risks
- Importance of understanding flood insurance policies
- Resources for financial recovery
Ready to take the next steps to get the right flood insurance coverage? Click here
Visit the flood learning center here
In this podcast, we are discussing excess flood insurance. We are looking at the dangers of not having excess flood insurance.
We look at how claims could impact the different options
We look at SBA disaster loans
Visit the flood learning center here to get all your flood insurance questions answered
Ready to get the right flood insurance coverage? Click here to start the process
It's midterm election time and we are looking t who should get your vote. Is it the National Flood Insurance Program or private flood Insurance?
We look coverages available
We look at risk rating 2.0
Policies being non renewed
Claims process
Ready to take the next steps to get the right flood insurance click here
You can also visit the flood learning center here
Captive and Independent insurance agents can live in different worlds. Today we look at 5 things captive insurance agents need to know about flood insurance.
We look at what is a captive insurance agent?
What flood insurance options are available?
Replacement cost and actual cash value
Deductibles
How do claims impact flood insurance rates?
Ready to take the next steps to purchase the right flood insurance click here
Want to learn more about flood insurance visit The Flood Learning Center by clicking here
In today's podcast, we are discussing the new water endorsement or surface water endorsement. We are looking at if this endorsement replaces flood insurance.
We look at the difference in coverages between this endorsement and flood insurance policies.
We look at how policy language is written for both of these.
We even look at the pricing difference. between these two products.
Ready to take the next steps to get the right flood insurance? Click here
You can also get all your flood insurance questions answered by visiting the flood learning center.
In this episode of the podcast, we are talking about friction when changing flood insurance agents.
We look at the smoothest way to change flood insurance agents.
We are discussing agent of record changes, rewritten flood policies, and new flood insurance policies.
Ready to experience flood differently?
Click below to get a quote
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Flood Learning Center
In this episode of the flood insurance guru podcast we take a look at the Birmingham Alabama flood event from 2021.
We look at the following
- How have things in Birmingham Al changed since the flood event
- Are more flood insurance policies being purchased
- Are people better understanding the risks
- What are the flood insurance options in Birmingham Alabama
Want to get your flood questions answered? Visit the flood learning center here
Ready to get the right flood insurance? Click here to get your quote
In this episode of the podcast, we are looking at risk rating 2.0 one year later
- We look at ratings with the National Flood Insurance Program
- We look at the number of policies with the National Flood Insurance Program
- We look at risk rating 2.0 impact on hurricane Ian victims
Looking to get your flood insurance questions answered? Visit the flood learning center here
Want to discover the right flood insurance click here to get your quote
In this podcast, we discuss the question is the flood insurance industry crashing?
We look at the National Flood Insurance Program
We look at private flood insurance
We look at recent flood disasters
Get a quote on flood insurance
In this episode of The Flood Insurance Guru podcast, we are discussing the problem with flood maps in 2022.
We look at what flood maps were designed to do
We look at the problem flood maps are not addressing in 2022
We talk about the difference between flood maps and flood risks
If you want to know what the flood risk of a property is then click here.
In this episode of The Flood Insurance Guru podcast we are discussing the 1000 year flood event.
We look at what is the 1000-year flood event?
We look at how to protect your family financially from the 1000 flood event?
What are misconceptions about the 1000 year flood event?
Make sure to visit The Flood Learning Center
In this episode of the podcast, we revisit hurricane Harvey 5 years later. We look at the impact on property owners and private flood insurance.
In this episode of the podcast, we are discussing flood insurance and real estate transactions. We look at some things we see property owners do when it comes to flood insurance and how it can cost them hundreds of dollars at the closing table.
Mke sure to check out the flood learning center
Want to discover flood insurance options click here.
Want to verify your flood risk click here
In this podcast, we look at if Flood Zone AE Impact Flood Insurance Premiums?
We look at the legacy FEMA flood insurance program, risk rating 2.0, and private flood insurance.
Make sure to visit the flood learning center
In this podcast, we are discussing 5 tips for buying flood insurance. We look at the following tips in this podcast
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Wait Periods
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Deductibles
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Bank Conditions
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Difference Between National Flood Insurance Program and Private Flood Insurance
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Mid Term Cancelation Rules
Make sure to check out our flood learn center
Verify Your Flood Risk Here
In this episode of The Flood Insurance Guru podcast, we discuss what you need to know about escrow billing flood insurance. We discuss how flood insurance claims might be covered if payment has not been received. We look at the National Flood Insurance Program and private flood insurance.
You can visit our flood learning center below
Learning Center
In this episode of the podcast, we announce the award winners for best private commercial flood insurance in 2022.
We discuss the factors used in giving out this award.
In this episode of podcast we are discussing flood zone determination forms.
We discuss what to do if you feel like they are wrong.
In this episode of the podcast we are discussing ridk rating 2.0. We are looking at phase 2 the renewal process.
This impacts flood insurance policies renewing on or after April 1, 2022.
In this episode of the podcast we answer three questions about living expenses.
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What is living expenses?
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Does every flood insurance policy offer living expenses?
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How much living expenses do you need on a flood policy?
Make sure to check out our daily flood education videos on our YouTube channel and our daily flood education blog on our website.
Youtube
Website
In this episode of the podcast we look at if preferred flood zones are now gone.
We look at NFIP Risk Rating 2.0
We look at private flood insurance
Make sure to visit our flood learning center
You can check out our daily flood education videos on our Youtube channel
In this episode we look at the new NFIP manual that was released on October 1, 2021. We look at how FEMA cancellation reason 12 becomes reason 28. This is cancellation when a mortgage is paid off.
Check out our flood learning center
Our daily flood education videos
In this episode we look at the dangers of updating your mortgage clause on flood insurance.
When refiancing many people want the opportunity to try to change flood insurance carriers.
However once a mortgage clause is updated many times this voids out the cancellation reason for a mortgage being paid off.
We look at the NFIP and private flood insurance when it comes to this rule.
Check out our flood learning center
Check out our daily flood education videos
In this episode of the podcast we look at if flood zones matter anymore. We look at widespread flooding events over the last 3 years.
In this episode of the podcast we look at if risk rating 2.0 means flood insurance rates will double in the new program.
In this episode of the podcast we look at surface water and flash flooding events that are starting to change the flood insurance industry. We look at what causes these events and how NFIP Risk Rating 2.0 is changing how these events impact flood insurance rates.
In this episode of the podcast we look at claim variable with NFIP Risk Rating 2.0.
We look at how they can impact rates
In this video we look at how a policy assumption can be an invaulable tool to a property owner.
In this episode of the podcast we discuss not being in a flood zone and what does that really mean.
In this episode of the podcast, we discuss NFIP Risk Rating 2.0 in Hawaii
We look at flood insurance premiums
we look at who will be impacted
We discuss when these changes are taking place
We talk about what is staying the same
In this episode of the podcast, we discuss NFIP Risk Rating 2.0 in Idaho
We look at flood insurance premiums
we look at who will be impacted
We discuss when these changes are taking place
We talk about what is staying the same
In this episode of the podcast, we discuss NFIP Risk Rating 2.0 in Hawaii
We look at flood insurance premiums
we look at who will be impacted
We discuss when these changes are taking place
We talk about what is staying the same
In this episode of the podcast we discuss NFIP Risk Rating 2.0 in Georgia
We look at flood insurance premiums
we look at who will be impacted
We discuss when these changes are taking place
We talk about what is staying the same
In this episode of the podcast we look at the new federal flood program coming to Florida.
In this episode of the podcast we discuss the new federal flood program coming to Delaware.
In this episode of the podcast we look at the new federal flood program coming to Arizona.
In this podcast we look at the flood insurance changes coming to Alaska.
When is it happening?
Who is being impacted?
How will premiums change?
What is staying the same?
We discuss all those things
In this episode of the podcast we discuss the impacts of NFIP Risk Rating 2.0 for Alabama.
In this episode of the podcast we look at best private flood insurance companies in Texas and Louisiana.
In this episode we look at homeowners associations and if they pay for flood insurance.
In this episode of the podcast we discuss the break we took ,the content we shot, and upcoming flood changes.
In this podcast we discuss the April 2021 National Flood Insurance Program Rate Updates.
In this episode of the podcast we discuss multiple flood claims in multiple days. We are discussing properties that might flood multiple times within a 48 hour period. We discuss how these claims generally work.
In this episode of the podcast we discuss East Alabama flooding in 2021. We discuss if you should file that insurance claim. What will happen to rates in the future and availability of flood insurance.
In this episode of the podcast we discuss the recent flood event in Nashville Tennessee. We look at the impacts it could have on flood insurance and flood insurance rates.
In this episode of the podcast we look at the flood moratoriums happening across the country.
In this episode of the podcast we look at if flood zones are different by state. We look at who sets the flood zones. We compare risks in areas like Tennessee, Florida, and Texas.
In this episode of the podcast we look at bait and switch flood insurance.
We look at ways to protect yourself from bait and switch programs.
In this episode of the podcast we discuss letter of map amendments. We look at how they impact flood insurance rates and flood risks.
In this episode of the podcast we visit Montgomery Alabama. We visit the Alabama River and we discuss flood insurance premiums in Montgomery Alabama
In this episode of the podcast we visit the historical city of Selma Alabama. We look at flood risks and flood insurance premiums in Selma Alabama
In this video we are discussing weather alert week in the SouthEast. We discuss the threat of tornadoes and flooding in Alabama, Georgia, and Tennessee.
In this episode of the podcast we look at Cheatham county Tennessee. We look at the new flood maps, we look at the flood insurance options, and if you can fight these changes.
In this episode of the podcast we look at what happens when a community gets their first flood map.
In this episode of the podcast we discuss Hollywood South Carolina being reinstated into the National Flood Insurance Program
In this video we look at the April 2021 changes to the National Flood Insurance Program
In this episode of the podcast we look at what happens when a community who is suspended from the National Flood Insurance Program. We specifically look at Hollywood South Carolina in this podcast.
In this episode of the podcast we look at some questions your bank might ask when verifying flood insurance.
In this episode of the podcast we look at flood risks, flood insurance rates, and flood insurance premium forecasting.
In this episode of the podcast we look at the current snow problem across much of the United States. We discuss the flood threat this can cause across areas like Texas.
In this episode of the podcast we discuss how lack of information can lead to high flood insurance costs.
In this episode of the podcast we look at special limits on a flood policy. We look at how certain things are covered.
In this episode of the podcast we look at the Nebraska flooding event of 2019. We look at mitigation that has been done. We look at if private flood insurance is available.
In this episode of the podcast we look at the FEMA definition of floods. We look at how parcels are covered and flood insurance coverages.
In this podcast we look at purchasing commercial properties in flood zones in the Pelham Alabama area.
In this episode of the podcast we look at leased commercial equipment and flood insurance.
In this episode of the podcast we look at how the recent ruling by the UK court could impact flood insurance in the United States.
In this podcast we look at flood mitigation and how it impacts flood insurance, wetland preserve, and pollution.
In this episode of the podcast we look at 4 types of products with the National Flood Insurance Program.
1. Preferred rated policies
2. Newly mapped policies
3. MPPP
4. Scheduled building policies
In this episode of the podcast we look at 5 reasons why you might have picked the wrong flood insurance agent or agency.
In this episode of the podcast we look at some things that cause errors and omission claims.
In this video we look at inauguration day 2021 and the things happening to flood insurance in 2021
In this episode of the podcast we look at flood map changes and the threat of these properties flooding.
In this episode of the podcast we look at private flood insurance and Smith Lake Alabama
In this episode we discuss the new saying only buy what you need. The problem is most people don't know the amount of insurance they need until a claim occurs.
In this episode of the podcast we look at the flood map updates happening in Plaquemines parish on Jan 15, 2021.
We look at the good, bad, and ugly flood changes.
We also discuss what flood insurance options ar available and if you can fight these changes.
In this episode of the Flood Insurance Guru podcast we look at all the good, bad, and ugly flood map changes that took place in Huntsville Alabama over the last few years.
In this episode of the podcast we look at if the National Flood Insurance Program is the best option for your commercial property.
In this episode of the podcast we look at water sources, flood insurance, and flood insurance claims.
In this episode of the podcast we take a deeper look at habitational risks and flood insurance.
In this episode of the podcast we look at the moving parts of the flood insurance rate map.
We look at the following
Hazards
Flood Zones
Base Flood Elevation
In this episode of the podcast we take a look at flood zones A and and flood zones V. We look at what is the difference in these zones.
In this episode of the podcast we look at 3 roles the state plays in helping implement the National Flood Insurance Program.
In this episode of the podcast we look at rate changes coming to certain National Flood Insurance Program policies in 2021.
In this episode of the podcast we look at private flood insurance and newly mapped areas. We look at what you need to be aware of when it comes to flood map changes and private flood insurance.
In this episode of the podcast we look at the differences between flood zone AR and flood zone AH>
In this episode of the podcast we discuss when you should make the flood insurance payment on that new policy.
In this episode of the podcast we look at flood map updates. We discuss who pays for them?
In this episode of the podcast we look at 5 reasons why communities regulate flood plains.
In this episode of the podcast we look at freeboard.
What is it?
What its impacts on flood insurance?
What are some other benefits.
In this episode of the podcast we discuss 700 flood education videos in 700 days and the end of hurricane season.
In this episode of the podcast we look at flood insurance, flood maps, football and snakes
In this episode of the podcast we look at why flood insurance is so different over the pond.
In this episode of the podcast we look at swiss cheese, gaps in coverage, and flood insurance.
IN this video we discuss mirrored flood insurance policies. We look at what they are and what you need to know.
In this episode of the podcast we look at the 2020 FHA flood insurance update. We look at the Biggert Waters Act, the Homeowners Affordability Act, and the actions by the FDIC in 2019.
In this episode of the podcast we look at if flood insurance covers storm water run off.
In this episode of the podcast we look at flood insurance policy assumptions and different flood zones.
In this episode of the podcast we look at if your home insurance company can require flood insurance.
In this episode of the podcast we look at how realtors, builders, and mortgage companies impact flood Insurance.
In this podcast we look at certificate of occupancy, flood plain management guidelines, and elevation certificates.
In this episode of the podcast we look at then flood insurance situation along the Gulf coast. We look at how hurricane season, COVID, and social injustice are impacting it.
In this episode of the podcast we look at water back up coverage and if it is covered by flood insurance
In this episode of the podcast we look at 4 ways you could lose a grandfathered flood policy.
In this episode of the podcast we look at what happens when the most flood insurance coverage is not enough coverage.
In this episode of the podcast we look at the fall season, its flood threats, and if you should cancel your flood insurance.
In this episode of the podcast we discuss why a flood insurance policy assumption might be denied.
In this episode of the podcast we look at commercial flood insurance and flood zone x.
We look at the following questions
What is flood zone x?
Is flood insurance required in flood zone x?
Should you buy commercial flood insurance in flood zone x?
In this episode of the podcast we are looking at commercial flood insurance.
We discuss the following
What is flood zone AE?
What is the National Flood Insurance Program?
What is private flood insurance?
What are your flood insurance options on a commercial building?
In this episode of the podcast we look at 3 reasons why you need flood insurance in Huntsville Alabama.
In this episode we look at pot roast and flood insurance. We look at how you don't need something until its not there.
In this podcast we look at why flood insurance is expensive on Homewood Al and how to change it.
In this episode of the podcast we look at why FHA loans get delayed because of flood insurance.
In this episode of the podcast we look at how to obtain the market value of a home when dealing with a substantially damaged or improved property.
-
Independent appraisals by professional appraisers
-
If the community prefers, a detailed estimate of the building’s ACV as a substitute for
market value. -
Property appraisals used for tax assessment purposes can be used as a screening tool.
-
The value of the building taken from NFIP claims data can be used as a screening tool.
-
Qualified estimates based on the sound professional judgement made by the staff of
the local building department or local or state tax assessor’s office -
A copy of the detailed signed contract from the policyholder’s contractor confirming a
start and completion date of the mitigation work to be performed. The contract must
show the contractor’s and policyholder’s (property owner’s) signatures
In this episode of the podcast we look at how words speak louder than numbers on an insurance policy.
In this episode of the podcast we look at boundaries. We look at how hurricane Sally is showing us there are no flood boundaries.
In this episode of the podcast we look at what to do after the hurricane Sally flooding.
In this episode of the podcast we look at some alarming patterns when it comes to private flood insurance carriers. We talk about what to do if you find yourself in one of these patterns.
In this episode of the podcast we look at hurricane Laura and its impacts on the Ohio Valley area.
In this episode of the podcast we look at cbra zones and otherwise protected areas. These are also known as the the danger zone.
In this podcast we look at who controls flood insurance rates at Lake Guntersville in Guntersville Alabama.
In this episode of the podcast we look at what is causing all the fuss about flood on sSmith Lake.
We look at Arley, Jasper, Cullman, and Crane Hill Alabama.
In this episode we discuss two potential hurricanes entering the Gulf of Mexico. Would this be two different claims? Would you have two different deductibles?
In this episode of the podcast we look at our recent visit to Jacksonville State University. We look at some of the flood areas and how to protect your college housing investment.
In this episode of the podcast we look at cancelled flood policies and when you decide not to renew flood policies.
Do rates change?
How does it impact your mortgage?
Is there a wait period?
In this episode of the podcast we look at the 10,000 lakes in Minnesota and the flood problems they can cause.
In this podcast we look at three things the new FEMA website means.
- Culture of preparedness
- Reduction of complexity
- Local search with local content
In this episode of the podcast we look at flash flooding. We look at 2 questions is it dangerous and is it covered by flood insurance.
In this episode of the podcast we look at the difference in East Coast and West Coast flooding.
In this episode of the podcast we look at solid built structures. We look at if these structures have the same flood threat.
In this episode of the podcast we discuss brain tumors, organ failure, and flooding how are they related. How is the mitigation on these treated the same.
In this episode of the podcast we discuss whether some insurance companies are hurting or helping their flood clients.
In this episode of the podcast we are discussing home equity line of credits or home equity loans.
In this episode of the podcast we look at new flood maps coming to the Maricopa county area.
In this episode of the podcast we look at using an elevation certificate and not using one. When will one be required and when will one not be requoired.
In this episode of the podcast we look at some benefits to getting an elevation certificate when building a home.
In this episode of the podcast we look at how much flood water does it take to cause major damage.
In this podcast we discus who has the cheapest flood insurance. We discuss the real question you should be asking isare you in the correct flood zone?
In this episode of the podcast we look at new data released by First Street Foundation. We look at how this changes flood risks in Alabama.
In this episode of the podcast we discuss commercial building replacement cost and business interruption coverage.
In this video we look at flood maps and flood risks. We explain what flood maps are not designed to do.
In this episode of the podcast we look at how the tropical depression formally known as Cristobal could impact the Midwest.
In this video we discuss the start of hurricane season. We look at the predictions for 2020.
In this episode of the podcast we are discussing what caused the Midland Flooding in Michigan.
In this episode of the podcast we are discussing flood insurance options and flood knowledge.
In this episode of the podcast we discuss how to separate mobile homes and single family homes.
In this episode of the podcast we are discussing flood insurance and owner financing. We look at how to pick the right policy.
In this episode of the podcast we are discussing non renewals and flood insurance.
What re the options?
In this episode of the podcast we are discussing following flood plain management guidelines when upgrading your home.
In this episode of the podcast we discuss what to expect short term and long term after filing a flood insurance claim with a private flood insurance carrier.
In this episode of the podcast we discuss the homeowners flood insurance affordability act.
We look at if the surcharges of this act scare people away from buying flood insurance.
In this episode of the podcast we discuss three things to know when building in a special flood hazard area.
In this episode of the podcast we are talking about Dare county North Carolina and the number of people being moved to a low risk flood zone.
In this episode of the podcast we are discussing the problem that is being created for homes being built in the flood plain.
In this episode of the podcast we are discussing how 1 foot can have a major impact on your flood insurance.
In this episode of the podcast we discuss how having the wrong occupancy type could destroy your flood insurance premiums.
In this episode of the podcast we discuss the Spencer Dam collapse of 2019. We discuss new risks that this collapse causes for other dams and could better record keeping prevent these types of events.
In this episode of the podcast we discuss April being Moratorium month. What does it mean for your flood Insurance.
You can also check out the video here
April Moratorium Month Video
In this episode of the podcast we are discussing what full pool means? How does it impact flooding and flood insurance?
Check out our daily flood education videos here.
In this episode of the podcast we are discussing a recent article al.com released about the most educated areas in Alabama. We look at the relationship between higher education and active flood insurance policies in an area.
Check out our daily flood education videos here.
In this episode of the podcast we discuss doing a policy assumption on non primary properties.
Check out our daily flood education videos here.
In this episode of the podcast we are discussing claim inquiry and claim payout for flood insurance.
In this episode of the podcast we discuss what the coronavirus pandemic is teaching us about mitigation.
In this episode of the podcast we are discussing if you should get a second opinion or a second elevation certificate on your property.
In this episode of the podcast we are discussing if you should file a flood insurance claim for the April 12th storm that hit the Southeast.
Check out our daily flood education videos here.
In this episode of the podcast we are discussing the difference between low rise and high rise buildings.
How does it impact flood insurance?
What is a RCBAP?
Check out our daily flood education videos here.
In this episode of the podcast we are discussing the best flood insurance company. We discuss 5 things to look for when picking the best flood insurance company.
- Ease of doing business
- Coverages
- Rate stability
- Claims
- Transferability
Check out our daily flood education videos here
In this episode of the podcast we discuss why flood insurance is required in areas that have never flooded.
Check out our daily flood education videos here.
In this episode of the podcast we are discussing the challenges individuals, business owners, and FEMA are facing right now.
Check out our daily flood education videos here.
In this episode of the podcast we discuss the importance of elevation certificates when building a home.
Check out our daily flood education videos here
In this episode of the podcast we are discussing putiing flood insurance on things with wheels.
In this episode of the podcast we start to discuss the 4 stages of a disaster. Preparedness, response, recovery, and mitigation.
In this episode of the podcast we are discussing changes being made by the National Flood Insurance Program as a result of the coronavirus.
Check out our daily flood education videos here.
In this episode of the podcast we are discussing how disasters impact business.
Check out our daily flood education videos here.
In this episode of the podcast we discuss flood insurance applications and declaration pages.
Check out our daily flood education videos here.
In this episode of the podcast we are discussing benefits of the National Flood INsurance Program. We discuss how these benefits are building stronger communities across the country.
In this episode of the podcast we are discussing the impact the coronavirus is having on disaster assistance and flood insurance claims.
In this episode of the podcast we discuss 6 requirements that should be listed in a private flood insurance policy.
In this episode of the podcast we discuss a tool we developed to help you find your flood zone.
Check out our daily flood education videos here.
In this episode of the podcast we discuss how to get your property removed from the repetitive loss property list.
Check out our daily flood education videos here
In this episode of the podcast we discuss what to do when all flood insurance pricing is the same.
How do you pick the best policy?
Check out our daily flood education videos here.
In this episode of the podcast we are discussing the difference between a flood insurance policy transfer and a flood insurance policy assumption.
Check out our daily flood education videos here.
In this episode of the podcast we discuss how national emergencies can impact flood insurance.
We look at how they could cause delays in flood zone changes.
Check out our daily flood education videos here.
In this episode of the podcast we discuss flood insurance for mobile homes and why rates are wrong so many times.
Check out our daily flood education videos here
In this episode of the podcast we are discussing the coronavirus and the fear it is currently causing. We also discuss the fear flood insurance can create and the things these can impact.
Check out our daily flood education videos here.
In this episode of the podcast we are discussing college sports, the NCAA, and NFIP probation.
How are they related?
Can Probation be a good thing?
Check out our daily flood education videos here.
In this episode of the podcast we are discussing military insurance companies and flood insurance. We discuss what to do if you have flood insurance through a military insurance company. We also discuss what the long term impacts could be.
Check out our daily flood education videos here.
In this podcast we discuss if an elevation certificate is required in flood zone a.
Check out our daily flood education videos here.
In this video we discuss the different worlds of renters insurance and flood insurance. How does your renters insurance cover flood damage?
Check out our daily flood education videos here.
In this episode of the podcast we discuss how mortgage companies are changing requirements when it comes to flood insurance.
Check out our daily flood education videos here.
In this video we discuss how your National Flood Insurance Program policy could be worth gold.
Check out our daily flood education videos here.
In this episode of the podcast we discuss the dangers of giving credits for elevation certificates.
Check out our daily flood education videos here.
In this episode of the podcast we discuss excess flood insurance for the emergency program. We discuss what is the emergency program?
Check out our daily flood eduction videos here.
In this episode of the podcast we discuss if FEMA should change their definition of flood.
We discuss surface water and ground water.
2 properties and 2 acres.
Check out our daily flood education videos here.
In this episode of the podcast we discuss should you buy a property that is in a flood zone.
Of course you should
Check out our daily flood education videos here.
In this episode of the podcast we discuss the crazy situation going on with flood insurance pricing in the private market. We discuss what to do to protect yourself.
In this episode of the podcast we are discussing the dangers of agent of record changes.
If the proper process is not followed you could be on the hook for another agencies errors.
Listen to the podcast to see what you need to verify.
Check out our daily flood education videos here.
In this video we discuss the impact elevation certificates can have on flood insurance rates.
Check out our daily flood education videos here.
In this episode of the podcast we are discussing how data and artificial intelligence are being used to predict flooding, warning property owners in advance, and helping minimize flood damage.
Check out our daily flood education videos here.
In this episode of the podcast we are discussing atmospheric rivers and the impact they have on flooding.
Check out our daily flood education videos here.
In this episode of the podcast we are discussing the spring flood outlook for Nebraska.
Check out our daily flood education videos here.
In this episode of the podcast we are discussing the 5 stages of flooding.
- Action
- Minor
- Moderate
- Major
- Record
Check out our daily flood education videos here.
In this episode of the podcast we discuss the 2019 Alabama flooding one year later.
Check out our daily flood education videos here.
In this episode of the podcast we are discussing the high amounts of rainfall in Georgia.
How is is impacting the flood threat?
Is is changing the flood risks?
Can you still get flood insurance?
Check out our daily flood education videos here.
In this episode of the podcast we are discussing the Kansas City Chiefs winning the super bowl and flood map changes taking place for the first time in 50 years.
Check out our daily flood education videos here.
In this episode of the podcast we discuss how the grass is not always greener on the other side, how the shiny toy syndrome can cause you to be distracted, and how it all relates to flood insurance.
Check out our daily flood education videos here.
In this episode of the podcast we are discussing what is elevating the flood threat in Alabama and how it could impact your flood insurance options.
Check out our daily flood education videos here.
In this episode of the podcast we are discussing how climate change is addressed with the National Flood Insurance Program, flood maps, and private flood insurance.
Check out our daily flood education videos here.
In this episode of the podcast we discuss the role your state plays in flood insurance options.
Check out our daily flood education videos here.
In this episode of the podcast we are discussing how misinformation on water claims could cost you everything on flood insurance.
Check out our daily flood education videos here.
In this episode of the podcast we discuss how a property owner saved $10,000 by correcting their foundation type on the elevation certificate.
In this episode of the podcast we discuss the FEMA coverage increase.
- Should you take it?
- Is it worth the money?
- How long does it take to take effect?
- Will the claim pay out?
In this episode of the podcast we review 9 things that are on the standard flood hazard determination form. We talk about their importance in flood insurance.
Check out our daily flood education videos here.
In this episode of the podcast we are discussing V zones also known as coastal zones. There are some big differences between V zones and other zones.
Check out our daily flood education videos here.
In this episode of the podcast we discuss enclosures.
What are they?
How do they impact flood insurance rates?
What are the different types?
Check out our daily flood education videos here.
In this episode we discuss three things you need to know about flood insurance rate maps.
- Flood zones
- Base flood elevation
- Base Flood Depth
Check out our daily flood education videos here.
In this episode of the podcast we discuss the myth of FEMA is FEMA. We discuss how you control your rate with FEMA in many ways.
Check out our daily flood education videos here
In this episode of the podcast we discuss the truth about private flood insurance.
Admitted versus Non Admitted
Claims Process
Coverages
Check out our daily flood education videos here.
In this episode of the podcast we discuss building a home in a flood zone. We look at three things
- Flood zones
- Foundation type
- Flood insurance options
Check out our daily flood education videos here.
In this podcast we talk about our decision to only focus on flood insurance, flood education, and flood mitigation.
Check out our daily flood education videos here.
In this episode of the podcast we discuss out story. We talk about struggling with a learning disability, taking the things it taught us to better the world, and how a pair of educators changed everything.
In this episode of the podcast we discuss the impact that real estate sites can have on flood insurance premiums and flood insurance coverages. When using these sites always verify
- Year built
- Square footage
- foundation type
- Year of updates
Check out our daily flood education videos here
In this episode of the podcast we discuss 5 things insurance agents should know about flood insurance.
1. Write Your Own Carriers and NFIP Direct
2. Flood Zones
3. Policy Transfers
4. Flood Insurance Options
5. NFIP Cancellation Process
In this episode of the podcast we are discussing the flooding in the Southeast during early parts of 2020.
Should have we seen this coming?
When does most flooding in the Southeast occur?
Should we be prepared for this in the future?
Check out our daily flood education videos here.
In this episode of the podcast we discuss what has caused Atlanta interstates to be closed for flooding. We look at what caused German town Tennessee to flood in 2019 and how you can prevent this on your property.
In this episode of the podcast we are discussing lake flooding and coastal flooding. We look at how 2020 could see the biggest impact of coastal flooding in areas like Chicago. We look at how the winter storm in Chicago is already causing coastal flooding issues.
Check out our daily flood education videos here.
In this episode we are discussing what realtors need to do when they find out they have a property in a special flood hazard area.
Its important that these facts are collected during the due diligent period.
Check out our daily flood education videos here.
In this episode of the podcast we are discussing the difference between write your own carriers and NFIP Direct.
Check out our daily flood education videos here.
In this episode of the podcast we are talking about the private flood insurance issue in Texas.
What is causing private flood insurance companies to move out of Texas.
Check out our daily flood education videos here.
In this podcast we discuss 3 things loan officers need to know about flood insurance.
We address
1. Flood zones
2. Flood insurance options
3. Policy transfers
Check out our daily flood education videos here.
In this episode of the podcast we are discussing the Grady Memorial Hospital disaster that occurred in December of 2019.
Was it flooding?
Was the damage covered by flood insurance?
Remember to check out our daily flood education videos here.
In this episode of the podcast we are discussing FEMA cancellation reason 26 which is the last cancellation reason. This is when there is a flood policy in place outside the National Flood Insurance Program.
What is the cancellation process?
How does the refund work?
Check out our daily flood education videos here.
In this episode of the podcast we are discussing FEMA cancellation reason 25, which has to do with section 28 of the Homeowners Flood Insurance Affordability Act.
How does the refund work?
What is the cancellation process?
Check out our daily flood education videos here.
In this episode of the podcast we are discussing FEMA cancellation reason 24 which is when a policy is cancelled or rewritten because of LOMA or LOMR.
What paperwork is needed?
What is the refund going to be?
Check out our daily flood education videos here.
In this episode of the podcast we are discussing FEMA cancellation reason 23, which is fraud.
How is the policyholder impacted?
How is the agent impacted?
Check out our daily flood education videos here.
In this episode of the podcast we are discussing FEMA cancellation reason 21 which is continuous lake flooding or closed lake basins.
How does refund work?
When is the cancellation date?
Check out our daily flood education videos here.
In this episode of the podcast we are discussing FEMA cancellation reason 20, which is when a policy is put on the wrong facility.
How does the refund work?
What are the conditions for cancellation?
Check out our daily flood education videos here.
In this episode of the podcast we are discussing FEMA cancellation reason 19, which is FEMA removal by Letter of Map Amendment.
How does the refund work?
Who needs to be contacted?
Check out our daily flood education videos here
In this episode of the podcast we are discussing FEMA cancellation reason 18, which is when a mortgage is paid off through the Mortgage Portfolio Protection Program.
How does the refund process work?
What is the MPPP?
Check out our daily flood education videos here.
In this episode of the podcast we are discussing FEMA cancellation reason 14 and 15 which is a determination review.
How does the process work?
Is a refund available?
Check out our daily flood education videos here
In this episode of the podcast we discuss FEMA cancellation reason 13 which is voidance before the effective date.
In this episode of the podcast we are discussing FEMA cancellation reason 11 and 12, which is when a mortgage is paid off.
What documentation is required?
What type of refund will you receive?
We discuss all those things in this podcast make sure to visit our website floodinsuranceguru.com for more free flood education resources.
You can also check out our YouTube channel where we do daily flood education videos.
In this episode of the podcast we are discussing FEMA cancellation reason 10 which is converting a condo policy to a residential Condo Association Building Policy.
What are the conditions?
What documentation is needed?
What is the cancellation process?
Make sure to visit our website floodinsuranceguru.com for more free flood education resources.
You can also check out our YouTube channel where we do daily flood education videos.
In this episode of the podcast we are discussing FEMA cancellation reason 9 which is when a property is no longer in a special flood hazard area because of a letter of map revision.
What documentation is needed?
What type of refund will you get?
What is the cancellation process?
We discuss all those things in this podcast. If you have more questions make sure to visit our website floodinsuranceguru.com or our YouTube channel Flood Insurance Guru where we do daily flood education videos.
In this episode of the podcast we are discussing FEMA cancellation reason 8, which is a policy is not required by the lender.
We discuss the cancellation process, the type of refund, and documentation needed.
Visit our website floodinsuranceguru.com to learn more. You can also check out our daily flood education videos on our YouTube channel Flood Insurance Guru.
In this episode we are discussing FEMA cancellation reason 7 which is when a closing did not occur.
We discuss what to do about a policy transfer
What type of refund you will get
What documentation is needed
Make sure to visit our website floodinsuranceguru.com for more information or check out our YouTube channel Flood Insurance Guru where we do daily flood education videos.
In this episode of the podcast we are discussing reasons why a risk might be ineligible for coverage.
What documentation is needed?
What type of refund will you get?
We discuss all those things in this podcast. Make sure to visit our website floodinsuranceguru.com to learn more information.
You can also check out our YouTube channel where we do daily flood education videos
In this episode of the podcast we are discussing FEMA cancellation reason 5, which is non payment of premium.
We discuss what the payment guidelines are for different parties
What documentation is needed?
What is the effective date of cancellation?
How does the refund work?
In this episode of the podcast we are discussing reason 4 for cancelling a FEMA flood policy.
Duplicate NFIP policies have many conditions listen to get a better understanding.
In this episode of the podcast we are discussing reason 3 of the FEMA cancellation codes. We are discussing a common expiration date for a flood policy.
What documentation is needed?
What are the conditions?
Are you getting a refund?
In this episode of the podcast we discuss reason 2 or code 2 for cancelling a FEMA flood policy.
Contents sold, removed, or destroyed
What documentation is needed?
Are you getting a refund?
In this episode of the podcast we are discussing FEMA cancellation reason or code 1.
Building sold, destroyed, removed, or altered.
What documentation is needed?
When is the cancellation effective?
What refund will you get?
In episode 90 of The Flood Insurance Guru Podcast we are discussing cancellation rule 22.
What qualifies for a misrated policy?
Are you getting a refund?
Are surcharges and paid commissions refunded?
We discuss all these things in this podcast.
In this episode we are discussing basements or what most people think are basements. If its not a basement then what is it.
Can you buy flood insurance for basements?
Finished and unfinished basements whats the flood insurance difference?
In this episode of the podcast we discuss what role does the federal and state government play in your flood insurance options.
Why is each state different on the regulations?
Why are some states harder than others?
In this episode of the podcast we are discussing the end of the 2019 hurricane season
What happened in the 2019 hurricane season?
What did we learn?
How is it changing future hurricane seasons?
In this episode of the podcast we discuss barrier systems.
The advantages
The disadvantages
In this episode of the podcast we are discussing Missouri, Michigan, Oklahoma, and Texas.
These 4 states have the highest number of communities not participating in the NFIP.
What are the impacts?
Why are these communities not participating?
In this episode of the podcast we discuss 6 earth movements not covered by flood insurance
In this episode of the podcast we discuss 6 things that happen when a community is suspended or withdrawn from the National Flood Insurance Program
In this episode of the podcast we are discussing what is the community status book?
What is the difference between the emergency program and the regular program?
Here is the link to find your community
bit.ly/2s8Bapj
In this episode of the podcast we are talking about the future of flood insurance.
How is data changing the way flood insurance is rated?
How is data changing forecasting flooding?
In this episode of the podcast we discuss how flood insurance can change disaster recovery for communities.
In this episode of the podcast we discuss what role an emergency manager should play when it comes to flood insurance.
How can flood insurance speed up the disaster response and recovery periods?
In this episode of the podcast we are discussing the 80% rule when it comes to flood insurance. How can it have a major impact on your wallet.
In this episode of the podcast we discuss reasons why your preferred rated flood policy might have been denied.
In this podcast we discuss a recent article done on dams by the associated press and the hidden disaster sitting in the state of Georgia.
In this episode of the podcast we talk about the one question most people forget to ask when switching flood insurance or purchasing a new policy.
In this episode of the podcast we are discussing the FEMA claims appeal process.
What has to happen to file an appeal?
What is the deadline to file an appeal?
Can you hire 3rd party help?
Below are the email address and mailing address to file an appeal with FEMA
Mailing
FEMA, 400 C Street SW, 3rd Floor SW, Washington D.C. 20472
Email
FEMA-NFIP-Appeals@fema.dhs.gov
In this episode of podcast we discuss can you buy flood insurance just for wet season.
Are there additional fees for this type of policy?
What is the wait period?
In this episode of podcast we are discussing better improvements and betterments. How are they covered by flood insurance?
What do you need to do to protect the property owner and tenant?
In this episode of podcast we are discussing NFIP 2.o being extended. NFIP Risk 2.0 is a big program that FEMA had planned to roll out in 2020. It would change the way flood risks are rated through the National Flood Insurance Program.
There are alot of moving parts that FEMA wants to get right and we discuss those in this podcast
In this episode of the podcast we are discussing the new flood insurance maps for Jasper county South Carolina.
What cities will be impacted?
Who will be impacted?
When do the new maps go into place?
What are the flood insurance options?
Can you fight these changes?
In this episode of the podcast we are talking about lake homes.
We discuss how elevation impacts rates?
How residency type impacts rates?
What the flood insurance options are on lake homes?
What disqualifies a property for flood insurance?
In this episode we are discussing 4 types of structures NFIP won't insure.
- Structures that are in violation of floodplain management
- Container type buildings that store things like gas and chemicals
- Water treatment plants where at least 51% of actual cash value is not above ground
- Properties completely over water that were built after October 1, 1982 or substantially improved after then.
In this episode of the podcast we are discussing the hidden things that a winery needs to protect against flood.
We discuss the importance of business income on a winery flood policy.
We also discuss 5 things that need to be protected
- Building
- Cellar equipment
- Refrigeration equipment
- Tasting room
5.Storage facilities
In this episode of the podcast we are discussing three things
- What is FEMA"s requirement when it comes to mobile homes?
- What are the flood insurance options outside the National Flood Insurance Program?
- Why are flood insurance premiums on mobile homes so high?
In this episode of the podcast we are discussing the new flood maps for Marion county and Columbia Mississippi. We are going to discuss 5 things
- History of flooding
- Why the flood map updates
- Types of flood zones in the area
- Who will be impacted
- What are the flood insurance options and can you fight it
In this episode we are discussing the FloodRE program in the UK. We discuss how Canada is studying it to address high risk properties and how the National Flood Insurance Program could learn from it.
In this episode of the podcast we are discussing what are the duties of a landlord before, during, and after after a flood.
We discuss the Santa Rosa lawsuit in regards to landlord duties during a flood.
In this episode of the podcast we are discussing the Tennessee property disclosure act. What does it mean for the seller of a property?
What does it mean for the buyer of the property?
Do you have to disclose flood claims?
We discuss all these things in this episode.
In this podcast we are discussing why FEMA might have lowered your flood insurance coverages. We discuss the process of how FEMA matches premium with coverage. We discuss how the following things could cause a reduction in coverages.
- Wrong Flood Zone
- No Primary Residence Form
- Elevation certificate
In this podcast we are discussing three ways to lower flood premiums without lowering coverages or raising a deductible.
In this podcast we discuss why flood insurance options in east Tennessee might be limited.
In this podcast we are discussing Old Butler Tennessee. We discuss the history of Butler and how one city was sacrificed to save others from flooding.
In this podcast we address three things you should know about flood claims.
Is flood insurance going to pay?
Are you going to be cancelled after a flood insurance claim?
How many flood insurance claims can you file?
In this podcast we are discussing three types of levees and how they impact your flood insurance rates. What is FEMA's role when it comes to levees?
- Accredited Levees
- Non- Accredited Levees
- De-Accredited Levees
In episode of the podcast we discuss how different buildings on a property can be in different flood zones.
In this episode of the podcast we are discussing the new flood maps for Augusta Georgia. We discuss the good, bad, the flood insurance options, can you fight it, and the impact on property values.
In this episode of the podcast we discuss two things that are the driving factors in flood insurance premiums.
- Location
- Elevation
In this podcast we discuss buying flood insurance after a flood.
Is flood insurance available?
Can you get it?
In this episode of the podcast we discuss three questions to ask before switching from a NFIP flood policy to a private flood policy.
Can you switch?
When can you switch?
Should you switch?
In this podcast we briefly we speak about the flood zone change process.
What documents are need?
What qualifies the property for a flood zone change?
How long does it take?
In this podcast we discuss three flood lessons Houston Texas is teaching the rest of the country.
1. Transparency of flood losses
2. Understanding flood risks
3. The importance of frequent flood map updating
In this episode we are discussing the recent disaster declaration that was approved for the Houston Texas area after tropical storm Imelda.
What assistance was approved?
Who was it approved for?
]What does it mean for people without insurance?
What does it mean for people with insurance?
What does it mean for mandatory insurance moving forward?
How could it impact property values?
In this podcast we discuss the 5 ways to verify a flood zone
Letter of Map Amendment
Letter of Map Revision
Flood Insurance Rate Map
Elevation Certificate
FEMA Map service
In this podcast we discuss how replacement cost impacts flood insurance.
Is it required to match the replacement cost?
Is it used to determine flood insurance rates?
What happens if replacement is too low?
In this podcast we discuss the impacts flood control systems have on flood insurance rates.
What are some different types of flood control systems?
How do these systems impact NFIP community rating systems
In this podcast we are discussing the September 30th National Flood Insurance Program extension. What does it mean for new flood policies and existing flood policies.
In this podcast we discuss the states role in the disaster assistance process? How does the state work with local governments after a flood disaster.
In this episode of the podcast we are discussing the federal governments role in disaster assistance.
In this podcast we discuss the role the local government plays in getting disaster assistance to their community.
In this episode we are discussing floodways. Are floodways creating a one way street for flood insurance options?
In this podcast we discuss the new Texas disclosure law change.
Why the law change?
What caused the law change?
Who will it impact?
We discuss all those things.
In this episode we discuss the recent flooding in Texas, Nebraska, Oklahoma, Tennessee, and Alabama. We discuss if flood insurance should be required like home insurance is by banks.
In this episode we talk about the historical Georgia flooding in 2009. What caused massive flooding in areas like Atlanta Georgia? What have we learned? How are things different?
In this podcast we are discussing flood vents. We are talking about the difference between engineered flood vents and non engineered flood vents. What are the differences? What impacts does it have on your wallet? How does it impact your flood insurance premiums?
In this podcast we discuss everything you need to know about flood insurance when flipping a property
In this podcast we discuss FEMA's 50% rule. How it applies to substantially damaged and substantially improved properties. How does it impact flood insurance options and claims?
In this podcast we discuss the presidential disaster declaration for North Carolina after hurricane Dorian. What does it mean?
In this podcast we discuss some of the things we learned from the hurricane hitting the Bahamas.
In this episode we discuss what is the FEMA buy back program? Who qualifies and what is the process like.
In this episode of the podcast we discuss what is the flood loss avoidance? What does it apply to and what is eligible?
In this podcast we talk about what to do about flood insurance if your community does not participate in the National Flood Insurance Program. Can private flood insurance be accepted on FHA loans if a community does not partcipate.
In this podcast we discuss is flood insurance headed down the same road as healthcare insurance? Is cutting agent commissions going to cut down on educational resources and flood insurance availability? We discuss those things in this podcast.
In this podcast we discuss what is flash flooding? What can you do to protect yourself against it? Does flood insurance cover flash flooding. Make sure to visit our website Flood Insurance Guru to get all your flood questions answered.
In this podcast we discuss the new flood maps that will impact Preston, Rushford, Spring Valley, and Lanesboro Minnesota. We discuss what the flood insurance options in Minnesota re and if you can fight these Minnesota flood insurance rate map changes.
In this podcast we discuss the different deductibles on flood insurance policies. We discuss the difference between the National Flood Insurance Program and private flood insurance when it comes to coverages available.
In this podcast we discuss 5 things to do when you find out your real estate listing is in a high risk flood zone.
In this podcast we discuss free flood insurance for FHA loans and the three benefits of doing a policy transfer. Make sure to visit our website Flood Insurance Guru for more information.
In this episode we discuss three things causing low risk flooding. We discuss beavers, down trees, trash, and the importance of community preparedness.
In this podcast we discuss the flood map updates for Carroll and Dekalb county Georgia. What flood insurance options are available? Can you get the property removed?
In this episode we discuss the FHA also known as the Federal Housing Administration push back on private flood insurance. Will the FHA accept private flood insurance? What are the flood insurance options on FHA loans.
In this podcast we discuss if your flood insurance can be cancelled? Why can it be cancelled? What are the options if it is cancelled? Make sure to read our FEMA cancellation blog as well on this subject. Want to learn more about flood education and flood insurance visit our website Flood Insurance Guru. Also check out our 365 flood education videos in 365 days on our YouTube channel and Facebook page or our open Facebook group Flood Education and Flood Insurance Awareness.
In this episode we discuss the new flood maps coming to Galveston Texas in August 2019. We talk about why new flood maps for Galveston Texas? who will be impacted? We also discuss the bigger impacts in areas like League City Texas and what are the flood insurance options in Galveston Texas?
In this episode we discuss garages. We are discussing attached and detached garages. How are they different and how are they covered by flood insurance?
In this episode we discuss the 4 pillars of flood insurance. Preparedness, response, and mitigation. There are links included for an education video on each pillar.
Preparedness
Response
Recovery
Mitigation
In this episode we discuss how loan types impact flood insurance options? Whats the difference between FHA, VA, USDA, and Conventional loans? What law change will be impacting flood insurance options. Make sure to visit our YouTube channel and Facebook page where we do daily flood education videos. Also visit our blog at Flood Insurance Guru.
In this podcast we discuss what is a flood insurance policy transfer or assumption? When it is available and how to do one? Here is a video link that also explains how to do one. Policy Transfer or Assumption
In this podcast we are discussing the great flood of 1994 that hit Macon Georgia and Middle Georgia. We discuss the impacts and the changes made over the last 25 years.
This week we are discussing the difference between NFIP participating communities and non participating communities. What are the benefits of each one?
In this episode we discuss everything elevation certificates. When is one needed? When is it not? How much do they cost. Check out our website Flood Insurance Guru to learn more about these.
In this weeks episode we talk about what is the National Flood Insurance Program 2.0 and what do you need to know about it. You can learn more by visiting our website https://www.floodinsuranceguru.com
In episode 5 we discuss private flood insurance being available on all loan types. What does it mean for you if you have a government loan like a FHA, VA, or USDA loan.
In episode 4 we talk about what is disaster assistance? It's important to understand disaster loans, flood insurance, and how they all work together. Listen to learn if you qualify for disaster assistance and the impacts it could have on you.
In episode 3 we talk about what is private flood insurance? Can you get more coverage than the National Flood Insurance Program? Are the prices cheaper? We discuss all those things in this episode. Make sure to tune into episode 4 as we will be discussing disaster assistance.
In episode 2 of The Flood Insurance Guru podcast we talk about what is the National Flood Insurance Program? What types of coverage do they offer? Who has access to this program? Make sure to tune into episode 3 when we discuss what is private flood insurance?
Checkout our website Flood Insurance Guru to learn more.
In episode 1 we discuss what the goal of the floodcast is? We talked about what the different flood insurance zones. Which zones require flood insurance and which ones don't.