Legal · Compliance

Terms
& Conditions

The Agreement Governing Your Use of Our Services

These Terms and Conditions cover everything from how we operate as your independent flood insurance agency, to the limits of our website's educational content, to the claims process, intellectual property, and the laws that govern this agreement.

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Agreement to Terms

By accessing and using The Flood Insurance Guru website (floodinsuranceguru.com), mobile applications, tools, content, and services (collectively, the "Services"), you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you should not use our Services.

These Terms and Conditions apply to all visitors, users, customers, and others who access or use our Services.

About Flood Insurance Guru

Flood Insurance Guru is a licensed flood insurance agency operated by Community First Agency LLC. We are licensed to sell flood insurance in all 50 states through the National Flood Insurance Program (NFIP) and through private flood insurance carriers.

We act as an independent insurance agent — we do not underwrite or guarantee any flood insurance policy. All policies are issued by the respective insurance carriers.

Insurance Services

Not Insurance Advice

The information provided on our website, YouTube channel, podcast, social media, and blog is for general educational and informational purposes only. It does not constitute insurance advice, legal advice, or financial advice. Every property and situation is different.

Important

You should consult directly with a licensed insurance professional — including our team — before making any insurance decisions based on information found on our website.

Policy Binding and Issuance

Flood Insurance Guru acts as an intermediary between you and insurance carriers. We do not issue insurance policies directly. All policies are subject to the terms, conditions, exclusions, and limitations of the issuing carrier. A quote is not a guarantee of coverage. Coverage is not effective until a policy is issued and the required premium is paid.

Accuracy of Information You Provide

You are responsible for providing accurate and complete information when requesting quotes, applying for policies, or engaging with our services. Inaccurate or incomplete information may result in incorrect quotes, policy cancellation, claim denial, or other adverse outcomes. This includes but is not limited to property address, foundation type, number of stories, building usage, prior claims history, and elevation data.

Premium Estimates and Quotes

Premium estimates and quotes provided through our website, tools, videos, blog posts, or conversations are estimates based on the information available at the time. Actual premiums may differ based on underwriting review, updated property information, carrier-specific rating factors, or changes in carrier pricing. Quoted premiums are not guaranteed until a policy is bound and issued.

Carrier Availability

Insurance carrier availability varies by state, property type, flood zone, and other factors. Carriers referenced on our website, blog, videos, or other content may not be available for every property or in every state. Carrier names, products, and pricing are subject to change without notice. Flood Insurance Guru does not guarantee the availability of any specific carrier or premium rate.

Claims

Flood Insurance Guru assists clients with initiating the claims process, but all claims are handled, adjusted, and paid by the insurance carrier that issued the policy. We do not adjust claims, approve or deny claims, or issue claim payments.

Claims Authority

For NFIP policies, claims are governed by the Standard Flood Insurance Policy and administered by FEMA. For private carrier policies, claims are governed by the specific policy language issued by that carrier.

Website Content

Educational Content

Our website, blog, YouTube channel, podcast, and social media accounts contain educational content about flood insurance, flood zones, FEMA, and related topics. This content is provided for general informational purposes and may not reflect the most current regulatory changes, carrier updates, or policy terms. We make reasonable efforts to keep content accurate and up to date, but we do not guarantee the accuracy, completeness, or timeliness of any content.

Data and Statistics

Our website includes statistics and data derived from our customer relationship management system and internal records. This data represents actual policies placed by our agency and is provided for educational purposes. Individual results vary based on property-specific factors. Data presented on our website should not be interpreted as a guarantee of premium rates or coverage availability for any specific property.

Third-Party Links

Our website may contain links to third-party websites, including but not limited to FEMA, FloodSmart.gov, insurance carrier websites, and government resources. These links are provided for convenience and informational purposes. Flood Insurance Guru does not endorse, control, or guarantee the accuracy of content on third-party websites. We are not responsible for the content, privacy practices, or availability of any linked third-party website.

User-Generated Content

Any testimonials, reviews, or user-submitted content on our website represent the personal experiences and opinions of individual users. These experiences may not be representative of all users. Individual results vary. Testimonials are not guarantees of future performance or outcomes.

Intellectual Property

All content on the Flood Insurance Guru website — including text, graphics, logos, images, video, audio, data compilations, and software — is the property of Flood Insurance Guru or its content creators and is protected by United States copyright and intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from our website without prior written permission from Flood Insurance Guru. You may share links to our content and reference our educational materials with proper attribution.

Privacy and Data Collection

Your use of our Services is also governed by our Privacy Policy. By using our Services, you consent to the data practices described in our Privacy Policy.

When you request a quote, submit an application, or engage with our services, you provide personal and property information that is shared with insurance carriers for the purpose of obtaining quotes and issuing policies. This information is handled in accordance with our Privacy Policy and the privacy practices of the respective carriers.

Limitation of Liability

To the fullest extent permitted by applicable law, Flood Insurance Guru, Community First Agency LLC, its owners, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, or goodwill, arising out of or in connection with your use of our Services, whether based on warranty, contract, tort, or any other legal theory, and whether or not we have been advised of the possibility of such damages.

Our total liability for any claim arising out of or relating to these Terms or our Services shall not exceed the amount paid by you, if any, for accessing our Services during the twelve months preceding the claim.

Indemnification

You agree to indemnify, defend, and hold harmless Flood Insurance Guru, Community First Agency LLC, and its owners, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of our Services, your violation of these Terms, or your violation of any third-party rights.

Disclaimer of Warranties

Our Services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our Services will be uninterrupted, error-free, or completely secure.

Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our Services after any changes constitutes your acceptance of the revised Terms and Conditions.

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Alabama, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Jefferson County, Alabama.

Questions About These Terms?

If you have any questions about these Terms and Conditions, please reach out to our team using any of the contact methods below.

Our team at The Flood Insurance Guru is here to help. Reach out by phone, email, or visit our contact page.

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Terms& Conditions