Homeowners & Flood Insurance Changes & Issues

Flood Issues.

The National Flood Insurance Program “NFIP” is and has been under tremendous change the last few years. After Katrina the adjustors found a very high percentage of the flood policies were not rated correctly and if the policy is rated wrong NFIP will not pay a claim. NFIP has initiated a program to reunderwrite many of the A and V zone policies.

The rules for A zones and V zones are different. A zones with enclosures require proper venting and V zone require no enclosure or if there is an enclosure it must be breakaway to allow the wall section to separate from the house without tearing the house down.  Read More »