Write your flood insurance

Since 1983 you are now able to write your own flood insurance. The Write Your Own Program, or WYO, began as a partnership between private flood insurance companies and FEMA to allow property owners to utilize both policies. The private companies receive an expense allowance for new claims. At the same time, FEMA is responsible for underwriting losses.

The NFIP provides low-cost insurance. However, there are some limitations. Policies through the NFIP only cover homes worth less than $250,000. So, if your home is worth more than that, you must go with insurance through a private company. Holt Flood Insurance works with the NFIP and several private flood insurance companies. If you need help deciding which one works for you, do not hesitate to contact us. With over 30 years of flood insurance experience, we can answer any questions.

There are a few goals of the write your own flood insurance program such as: Increase NFIP policy bases and the areas where NFIP can be distributed. Improve service for NFIP policyholders with more information on the program.

Provide the insurance industry with more experience. Since the WYO operates under the NFIP, there are rules and regulations to the policy.

For more information on the write your own flood insurance policy, visit our website or call us at (540)809-1415. We will answer any questions you may have. Contact Holt Flood Insurance today.

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Here is what our clients are saying about us:

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!
Ken Reuwer

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!
Mike Edwards

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.
Edward Semambya, CPA