flood insurance tips
Flood Zone Determination Map By Address
Flood Zone Determination Map By Address
A flood zone determination by address is one of the ways insurance companies and the NFIP calculate the cost of flood insurance for their client. Those who live in low-risk areas will pay less than those in higher risk. Renters will also pay less as they are only required to purchase content insurance.
In certain instances, flood insurance is only a recommendation. It's mandatory for those looking to buy a home or property in a high-risk flood zone. Mortgage companies will only give a loan with proof of flood insurance. Regardless of the flood risk for your area, it's a good idea to purchase flood insurance because, without it, you could be spending thousands of dollars on repairs. While you have flood coverage with your regular insurance, it only covers accidental flooding caused by a burst pipe or leaking appliance.
The flood zone determination by address will not only help with flood insurance costs. But it will also help families choose where they want to live. You can find the addresses mapped on the flood zone map. FEMA creates these maps with the help of communities. If there has been a change in flood risk for that area, FEMA will update the map. Communities must work with FEMA to provide accurate flood information.
For more information on flood zone determination by address, visit our website or give us a call at (540)809-1415. We will answer any questions you may have. Contact Holt Flood Insurance today.
Here is what our clients are saying about us:
I have no problem giving you an A1 reference for taking care of the flood policies for me and Diane. I appreciate you working with the mortgage company: the surveyor and our previous agent. The result was a 75% reduction in our flood insurance premiums!
We contacted Mr. Holt for an estimate via email over the weekend prior to a closing on a property, hoping for a response on the following Monday to take with us with confidence in being insured at the settlement table on a Tuesday. He exceeded our expectations not once but in readily responding to the initial request and then to follow-up questions all during the weekend frenzy that occurs before closing. "Impressive and responsive customer service," for sure!
I have known Tim for many years and he is a man with great integrity, work ethic and one of the nicest persons I know. Over the years Tim has provided insurance counseling and advice to our company, for myself personally, as well as to our clients. Recently Tim, took time to analyze our flood insurance policy and he was able to make some excellent recommendations. Our flood insurance costs are now less and we have much better coverage. I recommend Tim to anyone without hesitation or reservation.
We'll help you:
Lower your current flood insurance premiums
Eliminate excessive & unnecessary coverage
Remove the FEMA from the claims handling process
