1) Why is my house in a flood zone
if it shouldn’t be?
When FEMA instituted the
National Flood Insurance Program they were faced with the need to quickly
determine who was and who was not in a flood zone. Because of the time
restraints FEMA used general, less accurate methods of making these
determinations. While your general area might be
in a flood zone your house may be above it.
2) Why are your
fees not determined the same way as other flood zone correction
services?
I am not trying to get rich; I
have a full time job. The reason I do this is because I was very
intimidated by the process of removing my own house from a flood zone and I
was sure that others would feel the same way about the process.
3) How long does the process take?
The process can take as long
as 90 days but we touch base with FEMA on a weekly basis to make sure your
application is moving through the process as quickly as possible.
4) If you can’t get my house out
of the flood how quickly will I get my money back?
If we are unable to
successfully have your house removed from the flood zone we will issue you
a check the same day we receive the decision from FEMA. In many cases the
check will be sent out before you have even been informed of the decision,
depending on how quickly we can get in touch with you.
5) Do all flood zones require
flood insurance?
No. Only “special hazard zone
A” zones require flood insurance. In other flood zones insurance is
optional. Our goal is to move your house from flood zone ‘A’, which
requires flood insurance, to a zone that does not.
6) What if my house is removed
from the special hazard flood zone but I still want flood insurance, can I
get it?
Yes, and it’s cheaper! In this
case you are entitled to a preferred risk policy which in many cases has
premiums under $100.00 per year.
7) If my house is removed from the
special hazard flood zone can I get any of my current year flood insurance
premium back?
Yes. In most cases you are
entitled to a full refund of your current year flood insurance premium.
