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Today we are discussing the upcoming flood insurance map changes for Aspen Colorado and Pitkin county  Colorado. Here are four things we want to address today.

Why are the maps in Aspen Colorado changing?

Who will be impacted?

Can you fight the changes?

What are the flood insurance options in Aspen Colorado?

Why are the Flood Insurance Maps Changing in Aspen and Pitkin county Colorado?

So why are the flood insurance maps changing in Aspen Colorado?   Land development and increase in snow fall runoff are just a few reasons why. Aspen has also had a history of flooding through the years, but these maps are also being updated because certain things point to additional flooding exposures.

             Flooding Risks in Aspen Colorado

Aspen and Pitkin county Colorado have some unique flood exposures. Lets talk about a few of them. Being at a higher elevation that many other parts of the country Aspen gets a lot of snow and snow pack. As a result this snow pack usually starts to melt late spring and early summer. There are some things that can complicate this situation. You have many small creeks that come together in this area to dump into the Roaring Fork River. A combination of this snow pack melt and spring rain storms can quickly cause flooding issues because of the runoff from the mountains.  Regular flooding from runoff is also an additional risk because of all the different rivers and creeks that come together in Colorado. This especially can create hazardous conditions from properties that sit in valley areas.

 

Who is Being Impacted in Aspen and Pitkin county Colorado?

The impact for Aspen Colorado will be fairly large from a percentage standpoint. 7.7% of the population could be impacted by these changes. It does not mean its a bad impact . Some will be removed from high risk flood zones and some will not.

Right at 1400 property owners are predicted to  be moved into a high risk flood zone. This means they will either be moved from a flood zone x to a flood zone A, or flood zone AE.

 

Can You Fight the Flood Zone Changes?

So can you fight the flood zone changes? Yes you can fight it because of the way FEMA makes their flood maps and determines the flood zones these changes are not always accurate. For example FEMA might say your property is in a high risk flood zone but your house sits on a hill. FEMA is using the entire parcel in determining the risk and not necessarily the structure. 

So what do you need to fight it? Well generally the easiest thing is to have an elevation certificate. What is an elevation certificate? This is a certificate done by a surveyor that shows the different elevations of the home and how they compare to the base flood elevation.  How much do elevations cost? The national average on these range from $500-$700.  Who can help you fight it? At The Flood Insurance Guru we help people fight these everyday. So how do you know if you are a good candidate to get your flood zone changes? The best place to start is by looking at the lowest adjacent grade on the elevation certificate. If it is more than a foot above the base flood elevation then you might be a good candidate. If not then we recommend letting us  do a deeper flood zone change review for you.

 

What are the Flood Insurance Options in Aspen Colorado?

When it comes to flood insurance in Aspen Colorado or other parts of Colorado you have two options for flood insurance. You can go through FEMA or NFIP and the private flood insurance market.

 

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 Private Flood Insurance

Private flood insurance is done a little bit differently than NFIP. First of all it is backed by private flood insurance. So while NFIP has to accept all risks private flood insurance can pick which risks it wants. Because of these many times private flood insurance rates can be 50% less than NFIP policies. So what does a private flood insurance policy cover?

Private flood covers the building and contents like NFIP does but does not limit the coverage. Some other things they offer are contents coverage in basements, temporarily living expenses, and replacement costs on contents. 

 

Understanding the upcoming flood map changes forAspen Colorado can be overwhelming. Is it impacting you, how much it is impacting you, and when will you be notified?  Maybe you have more questions about these changes or want to get a flood insurance quote. You can click the link below to start this process. Remember to visit our website Flood Insurance Guru, our YouTube channel The Flood Insurance Guru, and our Facebook page The Flood Insurance Guru where we do daily flood education videos.

 

Start My Flood Insurance Quote

Chris Greene

Author

Chris Greene

President of The Flood Insurance Guru
M.S. in Emergency Management with a focus in Flood Mitigation
flood@communityfirstagency.com

Today we are discussing the upcoming flood insurance map changes for Sitka Alaska. Here are four things we want to address today.

Why are the maps changing?

Who will be impacted?

Can you fight the changes?

What are the flood insurance options?

 

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Why are the Flood Insurance Maps Changing in Sitka Alaska

So why are the flood insurance maps changing in Sitka Alaska?  Well Sitka has had a history of flooding and flood exposure. Being a coastal area on the West coast it is exposed to the Tsunami risk. There are other risks like inland flooding that occurred in 2015 creating landslides, mudslides, and other flooding issues. The area requested a FEMA study in 2013 to review the risk and many times these studies can take several years to review. In 2017 FEMA and Sitka agreed on what they thought the new maps should be but still needed the residents input and feedback. Now that these new maps have been agreed up on  a date has been set for them to go into place which is August 2019. 

 

Who is Being Impacted in Sitka Alaska?

The impact for Sitka Alaska will be fairly large from a percentage standpoint. 9.9% of the population could be impacted by these changes. It does not mean its a bad impact . Some will be remove from high risk flood zones and some will not.

Right at 300 property owners are predicted to either be moved into a high risk flood zone or have flood insurance rate increases as a result of the zone changing. This means they will either be moved from a flood zone x to a flood zone A, flood to a zone AE, or Flood Zone VE. Those looking at higher premiums will be moved from a flood zone A to a flood zone AE or VE, or from a flood zone AE  to a flood zone VE.

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Can You Fight the Flood Zone Changes?

So can you fight the flood zone changes? Yes you can fight it because of the way FEMA makes their flood maps and determines the flood zones these changes are not always accurate. For example FEMA might say your property is in a high risk flood zone but your house sits on a hill. FEMA is using the entire parcel in determining the risk and not necessarily the structure. 

So what do you need to fight it? Well generally the easiest thing is to have an elevation certificate. What is an elevation certificate? This is a certificate done by a surveyor that shows the different elevations of the home and how they compare to the base flood elevation.  How much do elevations cost? The national average on these range from $500-$700.  Who can help you fight it? At The Flood Insurance Guru we help people fight these everyday. So how do you know if you are a good candidate to get your flood zone changes? The best place to start is by looking at the lowest adjacent grade on the elevation certificate. If it is more than a foot above the base flood elevation then you might be a good candidate. If not then we recommend letting us  do a deeper flood zone change review for you.

 

What are the Flood Insurance Options in Sitka Alaska?

When it comes to flood insurance in Sitka Alaska or other parts of Alaska you have two options for flood insurance. You can go through FEMA or NFIP and the private flood insurance market.

 

         FEMA or NFIP

FEMA or the National Flood Insurance program is the flood insurance program that is is run by the government. Most people think this is the only option especially when it comes to good coverages. There are a few things a NFIP flood policy will cover the first thing is the building up to $250,000 if it is residential building and $500,000 if it is a commercial building. NFIP will also cover contents up to $100,000 as long as those contents are located above ground. So then what does private flood insurance cover?

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       Private Flood Insurance

Private flood insurance is done a little bit differently than NFIP. First of all it is backed by private flood insurance. So while NFIP has to accept all risks private flood insurance can pick which risks it wants. Because of these many times private flood insurance rates can be 50% less than NFIP policies. So what does a private flood insurance policy cover?

Private flood covers the building and contents like NFIP does but does not limit the coverage. Some other things they offer are contents coverage in basements, temporarily living expenses, and replacement costs on contents. 

 

Understanding the upcoming flood map changes for Sitka Alaska can be overwhelming. Is it impacting you, how much it is impacting you, and when will you be notified?  Maybe you have more questions about these changes or want to get a flood insurance quote. You can click the link below to start this process. Remember to visit our website Flood Insurance Guru, our YouTube channel The Flood Insurance Guru, and our Facebook page The Flood Insurance Guru where we do daily flood education videos.

 

Start My Flood Insurance Quote

 

 

Chris Greene

Author

Chris Greene

President of The Flood Insurance Guru
M.S. in Emergency Management with a focus in Flood Mitigation
flood@communityfirstagency.com

 

 

 

 

Today we are discussing the August 2019 flood insurance map changes for Carroll County Georgia and areas near Lake Little Tallapoosa. What will the impacts be? Can you fight it? What are the options?

 

What Will the Impacts Be?

The new flood insurance maps are expected to move 75 property owners from low risk non mandatory zones to high risk mandatory flood zones. What exactly does this mean? Well if you have a mortgage it means you will be forced to carry flood insurance on your mortgage going forward. There will also be parts of areas like Carrollton and Temple Georgia where properties will be moved to low risk zones. This means the additional payment on your mortgage will be removed. 

 

Can You Fight It?

Just because you received a letter from your mortgage company that your property in Carroll county Georgia is now in a high risk flood zone does not mean its correct. While FEMA tries to do the best they can many times their technology does hold them back. This technology has come along way but still has a long way to go.  So how do you verify if this new flood zones is correct? The easiest way is to get an elevation certificate done. This will tell you if your property is above the base flood elevation. If it is then your property might be a good candidate to have the flood zone changed. So where can you get one of these elevation certificates and how much should it cost? While getting a flood zone changed is great it does always work out. So when it does not what are the flood insurance options?

 

What are the Flood Insurance Options?

So now that you are being forced to buy flood insurance what exactly are the options? Well you have two options.

 

                  FEMA or NFIP

Option number one is you can do a traditional flood insurance policy through FEMA or the National Flood Insurance Program. Before reaching out to any insurance agent to get this done you will want to make sure to contact someone like the Flood Insurance Guru who deals with these situations everyday. There can be a wide range of pricing with the National Flood Insurance Program if things are not entered correctly. You might be told you have to have an elevation certificate in order to get flood insurance. This depends on the year your home was built and if it has been updated. You may have been given a standard rate when in fact you should have been given the newly mapped revision rate. This rate is generally about $600 a year for the first year. Then each year after that it will steadily increase until it reaches the correct premium for the risk.  Whats also important to understand is that on residential policies only $250,000 is available on the building and a $100,000 for contents. So what if you already took a policy out and didn't get the new mapped rate can it be changed? As long as its within 12 months of the map changing this rate can be corrected but once it reaches 12 months it can not. So what is the option for flood insurance?

 

              Private Flood Insurance

So what is private flood insurance?   

Private flood insurance is backed by private flood insurance companies where NFIp is backed by the government.  Unlike NFIP coverages are not limited to $250,000 on buildings and $100,000 on contents. Additional living expenses are also available, so if your property floods you could have temporary housing. Also one of the biggest benefits for residents of Carroll county Georgia is the rates can be 50% less and not require an elevation certificate.

 

So we have discussed how Carroll county Georgia residents could be impacted by the new flood maps, how you can fight it, and what the flood insurance options in areas like Carrollton and Temple Georgia are. Maybe you have further questions?

Please visit our website Flood Insurance Guru , our YouTube channel The Flood Insurance Guru, or our Facebook page The Flood Insurance Guru where we do daily flood education videos.

You can also click the link below to start reviewing flood insurance options in the Carrollton Georgia area.

 

Start My Flood Insurance Quote

 

 

Chris Greene

Author

Chris Greene

President of The Flood Insurance Guru
M.S. in Emergency Management with a focus in Flood Mitigation
flood@communityfirstagency.com


Could Property Values in Galveston Texas Plummet With New Flood Insurance Maps Going Into Place?

Hurricane Harvey was a painful lesson for property owners, city officials, and FEMA. 85% of homes that were flooded did not have flood insurance because they were in a low risk flood zone and it was not required. Traditionally FEMA has struggled to keep up with flood maps because the demand for constant updating is so high. Local officials and FEMA had gone back and forth for years trying to agree on an updated map but could not before Hurricane Harvey.

As a result thousands of people along the coastline in Texas were hit hard with flood losses, the ability to get reasonable flood insurance in the Houston area, and resources for recovery. As these lessons were learned FEMA is trying to be more proactive in updating the flood insurance rate maps along the Texas coastline. One area that has become a major target is Galveston Texas.

Galveston Texas has been fortunate with its location that it has not experienced a loss like Houston has and FEMA is trying to take preventive measures to make sure this does not happen. So FEMA has sent out its final letter of map determination for Galveston Texas. We are going to talk about the impact that could have and what the options will be.

First of all lets talk about the impact, the new flood insurance maps that are set to go into effect in August of 2019 could impact more than 47% of the population. Not all of this impact will be negative. When flood insurance rate maps are updated it is not always a bad thing since FEMA looks at historical data when updating maps. So if your area does not have a history of flooding then it could be a good thing. This means when the new map is updated your property could be moved out of a high risk flood zone like almost 1400 property owners in Galveston county Texas are expected to experience. So if this happens to you and you have a mortgage then you should get a letter from your mortgage company that flood insurance will no longer be required. Here at The Flood Insurance Guru we always recommend checking these flood zones on a yearly basis. You can verify your flood zone here

Now let's talk about the bad news about these maps where many property owners are placed into high risk flood zones that may have not been there before. You also have property owners that maybe looking at higher premiums because they were moved from a moderate to a high risk flood zones. Roughly 45,000 property owners in Galveston county will be placed in high risk flood zones and an additional 33,000 property owners could be looking at higher premiums because of the risk increasing.

So what exactly does this mean and how will it impact you? Let’s say you have a mortgage on your property then you should receive a letter from your mortgage company. The letter should read something like this. “We were recently notified that your property was placed into a SFHA also known as a special flood hazard area”. So what are your options when this happens? As you can see an event like this could have a major impact on property values because it makes the cost of owning a home to go up, it creates additional headaches having to carry the flood insurance, and then the potential is there to not be able to get the resale value on the home. Now lets talk about the different options out there.

The first option is to contact a flood insurance expert like the FLOOD INSURANCE GURU to look at getting a flood insurance policy with map revision rates. What this does is gives you the preferred rate for the first 12 months and there after the rate would gradually increase each year until it reaches the proper premium level for the risk. This first year rate is generally $525 a year or less. Let's discuss the second option which is a zone change.

A zone change also known as a letter of map amendment or LOMA is when evidence can be shown to FEMA that your flood zone is wrong. Basically the lowest adjacent grade of your home has to show above the base flood elevation in order to get this approved. So where can you look at getting this done. We recommend reaching out to someone like The Flood Insurance Guru who can match you with the right resources to start this process. If this does get approved then a letter is received from FEMA that is sent to the mortgage company stating the property is in a low risk flood zone and that the mandatory requirement for flood insurance should be removed. If you are not lucky enough we recommend looking at the last option which is private flood insurance.

Private flood insurance can be a great option but before we discuss it let's talk about how exactly it is different from the National Flood Insurance Program or NFIP. The NFIP is the federally backed flood insurance program. This program is managed by FEMA, so the rates are controlled by the government as well as the coverages. When searching for flood insurance if you are getting rates through the NFIP they should all be the same but many times they are not because agent knowledge is different when it comes to flood insurance.

So what exactly does the NFIP cover? The NFIP covers residential buildings up to $250,000 and contents up to $100,000. It pays out generally in two situations either more than one property is inundated with surface water or more than two acres is inundated with water. Now that we have an understanding of what NFIP covers lets talk about exactly what private flood insurance is and what it covers.

Private flood insurance is flood insurance that is provided by private insurance carriers and many situations is backed by Lloyds of London. When it comes to rates this program works differently than NFIP. Private insurance carriers can make up their own rates and can choose to turn down certain risks. This allows private companies to properly manage risks. Because of this private flood insurance companies can many times provide rates that are 40-50% less than NFIP. However because of Hurricane Harvey getting private flood insurance in Texas has become much more challenging lately. So it is very important to understand all the options on the table. As a result many people are putting their flood insurance policies with private carriers instead. Now that we understand how the pricing works lets talk about coverages a little bit.

As we mentioned above NFIP provides a max coverage of $250,000 on residential buildings and $100,000 on contents. However private flood insurance companies do not put this limitation on their coverages. Many companies will go into the millions for coverages, this can be a great benefit on higher value homes. Something else that private covers is additional living expenses.

Additional living expenses can provide for temporary housing after a flood, this is important because this is not covered by the NFIP flood insurance policy.

As you can see there can be many difference between an NFIP and a private insurance flood policy when it comes to flood insurance in areas like Galveston Texas and even Corpus Christi Texas.

Galveston Flood Insurance Options
Chris Greene

Author

Chris Greene

President of The Flood Insurance Guru
M.S. in Emergency Management with a focus in Flood Mitigation
flood@communityfirstagency.com

When people think about flood insurance they normally think about coastal areas. Flood insurance in Des Moines Iowa is not something that generally comes to mind, which is what makes understanding the new flood maps even more important. Des Moines Iowa has had a history of flooding because of the Iowa river and smaller creeks like Beaver Creek.

In late 2018 and early 2019 FEMA updated the flood insurance rate maps for parts of Polk county and Warren county Iowa. This is going to have a major impact on areas like Ankeny Iowa, Johnston Iowa, Polk City Iowa, Indianola Iowa, New Virginia Iowa, Ackworth Iowa, and St. Marys Iowa. We are going to talk about the good news and bad news with these maps.

When flood insurance rate maps are updated it is not always a bad thing since FEMA looks at historical data when updating maps. So if your area does not have a history of flooding then it could be a good thing. This means when the new map is updated your property could be moved out of a high risk flood zone like almost 1500 property owners in Polk county Iowa are expected to experience. So if this happens to you and you have a mortgage then you should get a letter from your mortgage company that flood insurance will no longer be required. Here at The Flood Insurance Guru we always recommend checking these flood zones on a yearly basis. You can verify your flood zone here

Now let's talk about the bad news about these maps where many property owners are placed into high risk flood zones that may have not been there before. You also have property owners that maybe looking at higher premiums because they were moved from a moderate to a high risk flood zones. Roughly 4000 property owners between Polk and Warren county will be placed in high risk flood zones and an additional 1200 property owners could be looking at higher premiums because of the risk increasing.

So what exactly does this mean and how will it impact you? Let’s say you have a mortgage on your property then you should receive a letter from your mortgage company. The letter should read something like this. “We were recently notified that your property was placed into a SFHA also known as a special flood hazard area”. So what are your options when this happens?

The first option is to contact a flood insurance expert like the FLOOD INSURANCE GURU to look at getting a flood insurance policy with map revision rates. What this does is gives you the preferred rate for the first 12 months and there after the rate would gradually increase each year until it reaches the proper premium level for the risk. This first year rate is generally $525 a year or less. Let's discuss the second option which is a zone change.

A zone change also known as a letter of map amendment or LOMA is when evidence can be shown to FEMA that your flood zone is wrong.  Basically the lowest adjacent grade of your home has to show above the base flood elevation in order to get this approved. So where can you look at getting this done. We recommend reaching out to someone like The Flood Insurance Guru who can match you with the right resources to start this process. If this does get approved then a letter is received from FEMA that is sent to the mortgage company stating the property is in a low risk flood zone and that the mandatory requirement for flood insurance should be removed. If you are not lucky enough we recommend looking at the last option which is private flood insurance.

Private flood insurance can be a great option but before we discuss it let's talk about how exactly it is different from the National Flood Insurance Program or NFIP. The NFIP is the federally backed flood insurance program. This program is managed by FEMA, so the rates are controlled by the government as well as the coverages. When searching for flood insurance if you are getting rates through the NFIP they should all be the same but many times they are not because agent knowledge is different when it comes to flood insurance.

So what exactly does the NFIP cover? The NFIP covers residential buildings up to $250,000 and contents up to $100,000. It pays out generally in two situations either more than one property is inundated with surface water or more than two acres is inundated with water. Now that we have an understanding of what NFIP covers lets talk about exactly what private flood insurance is and what it covers.

Private flood insurance is flood insurance that is provided by private insurance carriers and many situations is backed by Lloyds of London. When it comes to rates this program works differently than NFIP. Private insurance carriers can make up their own rates and can choose to turn down certain risks. This allows private companies to properly manage risks. Because of this private flood insurance companies can many times provide rates that are 40-50% less than NFIP. As a result many people are putting their flood insurance policies with private carriers instead. Now that we understand how the pricing works lets talk about coverages a little bit.

As we mentioned above NFIP provides a max coverage of $250,000 on residential buildings and $100,000 on contents. However private flood insurance companies do not put this limitation on their coverages. Many companies will go into the millions for coverages, this can be a great benefit on higher value homes. Something else that private covers is additional living expenses.

Additional living expenses can provide for temporary housing after a flood, this is important because this is not covered by the NFIP flood insurance policy.

As you can see there can be many difference between an NFIP and a private insurance flood policy when it comes to flood insurance in areas like Des Moines Iowa, Ankeny Iowa, Johnston Iowa, Polk City Iowa, Indianola Iowa, New Virginia Iowa, Ackworth Iowa, and St. Marys Iowa.. It could also be possible to get your flood zone changed so its important to know every flood insurance option out there. 

Find Out More About Des Moines Iowa Flood Insurance Options
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How Are The New Flood Insurance Rate Maps in Birmingham Alabama Impacting You? Can You Do Anything About It?

When people think about flood insurance they normally think about coastal areas. Flood insurance in Birmingham Alabama is not something that generally comes to mind, which is what makes understanding the new flood maps even more important.

On March 21, 2019 FEMA updated the flood insurance rate maps for part of Jefferson county and Blount county Alabama. This is going to have a major impact on areas like Birmingham Alabama, Blountsville Alabama, Locust Fork Alabama, Centerpoint Alabama, Gardendale Alabama, Cleveland Alabama. We are going to talk about the good news and bad news with these maps.

When flood insurance rate maps are updated it is not always a bad thing since FEMA looks at historical data when updating maps. So if your area does not have a history of flooding then it could be a good thing. This means when the new map is updated your property could be moved out of a high risk flood zone like almost 1500 property owners in Jefferson county Alabama are expected to experience. So if this happens to you and you have a mortgage then you should get a letter from your mortgage company that flood insurance will no longer be required. Here at The Flood Insurance Guru we always recommend checking these flood zones on a yearly basis. You can verify your flood zone here

Now let's talk about the bad news about these maps where many property owners are placed into high risk flood zones that may have not been there before. You also have property owners that maybe looking at higher premiums because they were moved from a moderate to a high risk flood zones. Roughly 900 property owners between Jefferson and Blount county will be placed in high risk flood zones and an additional 2000 property owners could be looking at higher premiums because of the risk increasing.

So what exactly does this mean and how will it impact you? Let’s say you have a mortgage on your property then you should receive a letter from your mortgage company. The letter should read something like this. “ We were recently notified that your property was placed into a SFHA also known as a special flood hazard area”. So what are your options when this happens?

The first option is to contact a flood insurance expert like the FLOOD INSURANCE GURU to look at getting a flood insurance policy with map revision rates. What this does is gives you the preferred rate for the first 12 months and there after the rate would gradually increase each year until it reaches the proper premium level for the risk. This first year rate is generally $525 a year or less. Let's discuss the second option which is a zone change.

A zone change also known as a letter of map amendment or LOMA is when evidence can be shown to FEMA that your flood zone is wrong. Basically the lowest adjacent grade of your home has to show above the base flood elevation in order to get this approved. So where can you look at getting this done. We recommend reaching out to someone like The Flood Insurance Guru who can match you with the right resources to start this process. If this does get approved then a letter is received from FEMA that is sent to the mortgage company stating the property is in a low risk flood zone and that the mandatory requirement for flood insurance should be removed. If you are not lucky enough we recommend looking at the last option which is private flood insurance.

Private flood insurance can be a great option but before we discuss it let's talk about how exactly it is different from the National Flood Insurance Program or NFIP. The NFIP is the federally backed flood insurance program. This program is managed by FEMA, so the rates are controlled by the government as well as the coverages. When searching for flood insurance if you are getting rates through the NFIP they should all be the same but many times they are not because agent knowledge is different when it comes to flood insurance.

So what exactly does the NFIP cover? The NFIP covers residential buildings up to $250,000 and contents up to $100,000. It pays out generally in two situations either more than one property is inundated with surface water or more than two acres is inundated with water. Now that we have an understanding of what NFIP covers lets talk about exactly what private flood insurance is and what it covers.

Private flood insurance is flood insurance that is provided by private insurance carriers and many situations is backed by Lloyds of London. When it comes to rates this program works differently than NFIP. Private insurance carriers can make up their own rates and can choose to turn down certain risks. This allows private companies to properly manage risks. Because of this private flood insurance companies can many times provide rates that are 40-50% less than NFIP. As a result many people are putting their flood insurance policies with private carriers instead. Now that we understand how the pricing works lets talk about coverages a little bit.

As we mentioned above NFIP provides a max coverage of $250,000 on residential buildings and $100,000 on contents. However private flood insurance companies do not put this limitation on their coverages. Many companies will go into the millions for coverages, this can be a great benefit on higher value homes. Something else that private covers is additional living expenses.

Additional living expenses can provide for temporary housing after a flood, this is important because this is not covered by the NFIP flood insurance policy.

As you can see there can be many difference between an NFIP and a private insurance flood policy when it comes to flood insurance in areas like Birmingham Alabama, Blountsville Alabama, Adamsville Alabama, and Gardendale Alabama.. It could also be possible to get your flood zone changed so its important to know every flood insurance option out there.


Find Out More About Birmingham Flood Insurance Options
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