I have just returned from a nice three day camping trip with my family. If you haven't read some of our other blogs or watched our videos we are traveling in a camper this summer shooting our flood eduction videos.

This camping trip was at a local power company campground. My brother in law and sister in law recently bought a bought a boat and brought it.

So this trip had many memories from kayaking to flying off tubes in the water. My 5 year old daughter Lydia absolutely loved it.

I wish I could say the same for my body. I never realized how painful riding an inner-tube in the water could be.

Maybe it was all the swimming keeping my five year old daughter and 10 year old nephew on the float.

Sometimes we realize our bodies are not what they use to be.

When I was thinking about this trip I started thinking about flood insurance policies.

Maybe the policy we set up 10 or 20 years ago is not the same policy thats offered today.

Maybe it just needs some updating?

Like our bodies many things change over time.

There are a few things that change with flood policies over time

1. Underwriting
2. Rating
3. Flood Zones

The flood underwriting world is a constant changing world. The more data that companies get the more changes they want to make to adjust their models. This could result in your policy getting non renewed or even your rate going up.

Then there are the ratings. The company that had the best rating 20 years ago may not be the same company with the best rate today. In fact the company from 20 years ago may not even be in business anymore.

So many factors are always changing like flood zones. You may be in the same flood zone you were twenty years ago or you may not be.

Below are some of the basic flood zones.

 

 

Maybe you are in a lower risk area but you are still paying the premiums of a higher rated area.

Like our bodies our flood insurance policies do require maintenance to make sure they can still serve us to the best of their ability.

Trust me my body told me this recently as I could barely move after the water experience, cutting my leg open, and cutting my head open.

So the next time your body is telling you to rest make sure not to forget about your flood policy.

Because when the time comes to file a claim you want to make sure you have a policy that has addressed all your needs.

So if you have more questions about flood insurance, flood zone changes, or understanding your flood risk then make sure to visit our website.

You can also check out our daily flood education videos on our YouTube channel. Who knows we might be in your neighborhood.

Remember we have an educational background in flood mitigation which means we are here to help you understand your flood risk, flood insurance, and mitigating your property to keep your losses and flood premiums low.