The Experienced Flood Insurance Agent

If you are shopping for flood insurance, make sure that you are working with an experienced flood insurance agent. Since flood insurance rates are regulated by FEMA many consumers will not shop their policies. They are under the impression that regardless of where you shop your flood insurance policy, you will be given the same rates. This is not the case.  Inexperienced agents can make the process of purchasing flood insurance both unnecessarily inconvenient and expensive.  One example of an inconvenience that many consumers face is having an inexperienced or uneducated agent request  an elevation certificate in order to provide them with the quote. Getting an elevation certificate requires that a consumer hire a licensed surveyor evaluate the characteristics of the elevation of their home compared to the community base flood elevation. It is as costly as it sounds and the majority of the time it will not be required to quote or even write the policy. Many times the client would be looking into purchasing a home and will be requesting quotes for flood insurance. Getting an elevation certificate on a home that you are considering purchasing is a major inconvenience as well as not necessary the majority of the time. If the home that you are looking to purchase is a post firm home and was recently changed to a high risk flood zone then you will not need an elevation certificate. In many cases, even with pre firm homes, you will not be required to get an elevation certificate. Make sure that you are working with an agent that is well educated in flood insurance for your area to ensure that you are only paying the premium that is appropriate for your policy and that you are not being inconvenienced in any way. Most agents will be able to be able to provide you with a quote in less than 10 minutes. Get your quote online today or call 530.923.2930 License 0G13612.