1. Do you manage properties that have been determined
to be in a flood zone?
2. Do your clients like to save money whenever they
can? Do they want the highest rate of return on their
3. Would they like to reduce their flood insurance
premiums or eliminate them entirely?
If you have answered yes
to any of these... Read On!!
Your client is required to carry flood insurance because it has been determined that at least a portion of
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.
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 clients money you are wasting!! And it is
your clients money you will save each year.
Not only do flood insurance
premiums decrease the annual rate of return on an investment 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.
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 property managers with
flood zone changes and saved their clients 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 each case we evaluate. Only those
cases that receive 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.
you ready to help you clients start saving??
The fist step is to let the Flood Zone Specialists
provide you with a free evaluation of the property and the current flood zone. We have determined that
over 60% of the flood zones nationwide are incorrect and can be
Once we have reviewed the case file and have
determined if the flood zone on the property can be changed we will
contact you with our determination. If we have determined that the property can be removed from the flood zone our next
step is to petition FEMA for the flood zone change on your clients behalf.
Only those cases that we have pre approved are forwarded to FEMA for
final review 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 your client
entitled to a full refund of the flood insurance premium
they have paid
for the current year as long as the
policy is a NFIP policy. Or if they choose they can obtain a
preferred risk policy with the amount of coverage they would like
rather than the full amount of their mortgage. When making their decision regarding
their flood insurance policy change they should consult with their insurance agent and decide which option is best for
Either way they save each year and their rate of return increases.
The end result is our service may not cost your client anything. Each year forward, your client saves money. Also, as a bonus they have increased the value of their property. You can bet they will pass on your name as a great property manager with a clients best interest at heart!!
What would your client do with the extra $$$