The Cost of Inaction
Imagine you find a private policy that saves you $1,000 a year and doubles your coverage. But the fear of the switching process stops you. You stick with the NFIP. A year later, another rate hike hits. You’re now overpaying by $1,500 a year. Worse, a moderate flood damages your finished basement, and you discover the NFIP covers none of it, leaving you with a $30,000 repair bill. You’re trapped in a cycle of high costs and high risk, all because the process seemed too difficult.
Life After the Switch
Now, imagine you follow the simple plan. Within a few weeks, your new private policy is
active. You see an extra $100 back in your monthly budget. You sleep soundly knowing your home is covered to its full value and that your finished basement is protected. When you see news about NFIP rate hikes, you feel relief, not dread. You have taken control of your financial security and have a trusted expert on your side.
Your Simple 3-Step
Plan to a Better Policy
As your guide, we eliminate the confusion and handle the heavy lifting.
Here is the proven process we use to make switching effortless for you.
Get a Free, No-Obligation Switching Analysis
Before you do anything, you need a clear picture of your options. We will provide a direct, side-by-side comparison of your current NFIP policy and a recommended private policy.
You will see the exact differences in cost, coverage, and deductibles, so you can make an informed decision.
We Handle Lender Approval
This is the step that causes the most anxiety, and we take it completely off your plate. We
will submit the new policy declarations to your mortgage company and communicate with them directly to ensure the policy is accepted. All our recommended policies meet federal requirements, making this a smooth and routine process.
We Process the NFIP Cancellation & Your Refund
Once your new policy is approved and active, we handle the final step. We will prepare and
submit the signed cancellation letter to the NFIP on your behalf. We ensure it’s done
correctly so that you receive a pro-rated refund for any unused premium, which is often sent directly to you or your escrow account.
Why Work With The
Flood Insurance Guru?
We don’t just quote policies.
We educate you.
We’ve helped thousands of homeowners across Connecticut:
- ✔ Understand their actual flood risk
- ✔ Get out of high-risk zones (via LOMA letters)
- ✔ Compare NFIP vs private flood insurance
- ✔ Lower premiums through elevation data or private options
- ✔ Make informed, confident coverage decisions
“The team helped me reduce my premium by $1,200 and showed me I wasn’t even in Zone AE anymore. No one else told me that.”
– Connecticut Homeowner
