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This is where you will find all articles about flood insurance.

Resource TitleDescriptionRating
BW12 and HR3370 Changes to the NFIP On March 21, 2014, the president signed the "Homeowner Flood Insurance Affordability Act of 2014" (HR3370), which made some changes to BW12. This article provides an analysis of the impact of HR3370 on BW12. 1 2 3 4 5
Condo Unit Owners - Why Carry Building Coverage?

This article examines the insurance needs and coverages provided by both the dwelling flood policy purchased by the unit owner, as well as the condo "master" flood policy, the Residential Condominium Building Association Policy, or RCBAP for short.

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Disputing Flood Zones

A property owner may be required by his or her lender to obtain flood insurance if the lender finds that the building is located in a Special Flood Hazard Area. What is the agent’s role in determining the risk? What if the flood insurance agent believes the property is not in an SFHA? How do you, as the agent, assist the customer

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Flood In Progress

The National Flood Insurance Program (NFIP) policy covers "direct physical loss by or from flood." This article tries to outline the flood in prgress exlusion

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Flood Insurance and the 30-Day Wait

There often is a 30-day wait for coverage to become effective. The National Flood Insurance Program (NFIP) flood manual lists exceptions to the 30-day wait.

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Flood Insurance Proof to Lenders: Declarations Page or Evidence of Property Insurance Form?

If the proper flood policy documentation is not produced, the lender has no option but to force place coverage with no underwriting or elevation information, usually generating a premium that is much higher than policies written in the NFIP. So, what documentation is adequate for the lender?

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Flood map change letter to clients When flood maps change to the benefit of your clients, it's important to remind them that their risk is not removed, only reduced. This letter does just that. 1 2 3 4 5
Flood map changes: I want to cancel my policy Customers should understand that there is a difference in flood insurance being required and flood insurance being recommended. (This blog in FAIA's Community requires a log-in.) 1 2 3 4 5
Flood Policies, Condo Units, and Additions & Alterations

 What is covered by the National Flood Insurance Program (NFIP) policy and what specifically do the unit owners need to insure

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Flood Remapping: Agent Responsbility This blog in FAIA's Community answers the question: "What exactly is the responsibility of the agency? Do we have to contact every customer and discuss this, or can we rely on the Write Your Own (WYO) flood company to identify those policyholders whose zones have changed?" 1 2 3 4 5
Flood Risk Scenario Tool

Share on your website and in social media to help educate your customers about the importance of flood insurance.

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Flood Waiver Form
You can use this form for your customers to acknowledge the acceptance, rejection, or unavailability of flood and excess flood coverage.  
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Grandfathering and the NFIP

As flood maps change, the premiums for flood policies change too. In some cases, a provision referred to as "map grandfathering" can benefit some policyholders and provide them with significant savings on their flood insurance policy

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Guide to Flood Insurance for Commercial Properties This eBook was developed by FEMA's National Flood Insurance Program as an overview guide for insurance agents who want to understand the basics of flood insurance for commercial properties. 1 2 3 4 5
Have 'the flood talk' with your clients While you’re talking to them about their homeowners, wind and hurricane coverage, don’t forget to have the flood talk.  1 2 3 4 5
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