1. Have you been notified of flood map changes in your area?
2. Does your mortgage company require you to carry
costly flood insurance?
3. Has your home been free of flood damage since
you have owned it?
4. Do you want to eliminate the flood insurance on your property?
5. Are you paying for flood insurance you don't
If you have answered yes
to any of these.. Read On!!
are required to carry flood insurance because your
mortgage company has 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 insurance should not be required.
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.
average cost for a single family flood insurance policy is
$800.00 annually. During the term of your mortgage you
will easily spend $24,000.00 on flood insurance premiums when
you take into consideration that the amount of premium due will increase
The fact is that not only are you wasting a
considerable amount of money, but in addition, 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...
1986 the professionals at Flood Zone Specialists, Inc.
have successfully represented homeowners with
flood zone changes and saved them millions of dollars in wasted
premiums. 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
for our clients. Because we carefully assemble and review each
case we are able to predetermine the outcome of each case we
review. 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. Your refund generally covers our fee so the cost to you may be absolutely nothing. From then on it is money in the bank for you each year!!
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 incorrect and can be
changed. Is your property 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 premiums
you have paid for the current year as long
as the policy is a NFIP policy and no claim has been filed. 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.
What would you do with an extra $24,000.00?
The end result is our service may not cost you anything. And each year forward you save. As a bonus you have also increased the value of your property and made it easier to sell.