Homeowners Associations Nationwide

1. Has your community been determined to be in a flood zone forcing the Homeowners Association and the individual homeowners owners to carry flood insurance?

2. Do the individual homeowners association fees pay for the flood insurance for the common buildings?

3. Would the association and homeowners like to reduce the cost of flood  insurance flood insurance premiums or eliminate them entirely?

If you have answered yes to any of these... Read On!!

You are being required to carry flood insurance because it has been determined that at least a portion of your property is located in a SFHA with a 1% annual chance of flooding. The federal government requires flood insurance on properties located in a SFHA unless the flood zone is changed or clarified by FEMA. In at least  60% of the cases we have reviewed the flood zone determination was wrong and flood insurance should not be required.

You have the right to dispute the flood zone determination and have it changed if it is wrong. Be proactive and get informed. It's your money you are wasting!!  And it is your money you will save each year. 

Not only is flood insurance very costly with the average homeowner paying $500.00 annually in premiums but the fact is that in addition to wasting a considerable amount of money, properties that have a flood zone designation attached to them are harder to sell and do not bring the full potential value when they are sold. This is due to the flood zone designation and the additional cost associated with owning the property.  

We can  help you change this...

Since 1986 the professionals at Flood Zone Specialists, Inc. have successfully represented Homeowners Associations and the residents with flood zone changes and saved them millions of dollars in wasted premiums annually. Our extensive contact network with FEMA and knowledge of the procedures and requirements for a flood zone change enable us to obtain flood zone changes. Because we carefully assemble and review each case we are able to predetermine the outcome of the cases we evaluate. Only those cases that have received our pre approval are submitted to FEMA final review and approval. 100% of the pre approved cases we submit to FEMA for a flood zone change are approved by them.

Our services are offered on a flat fee basis. Once your flood zone change is approved you are entitled to a full refund of any NFIP policy premiums paid for the current year. This amount generally covers our fee so the cost to you may be absolutely nothing. From then on it is money in the bank for the association and the homeowners each year!!

Are you ready to start saving??

The fist step is to let the Flood Zone Specialists provide you with a free evaluation of your property and the current flood zone. We have determined that over 60% of the flood zones nationwide are wrong and can be changed. Is your community one of these?

Once we have reviewed your case file and have determined if the flood zone on your property can be changed we will contact you with our determination. If we have determined that your property can be removed from the flood zone successfully our next step is to petition FEMA for the flood zone change on your behalf. Only those cases that we have pre approved are forwarded to FEMA for final review and approval. We maintain a 100% approval rate on the pre approved cases we submit to FEMA. The process takes approximately 4-8 weeks from the date of submission.

Once the final approval is issued by FEMA you are entitled to a full refund of the flood insurance premium you have paid for the current year as long as the policy is a  NFIP policy. Or if you choose you can obtain a preferred risk policy with the amount of coverage you would like rather than the full amount of your mortgage. When making your decision regarding your flood insurance policy changes consult with your insurance agent and decide which option is best for you.  Either way you save each year. 

The end result is our service may not cost you anything. Also, as a bonus you have increased the value of the property.

What would your community do with the extra $$$


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