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Flood

310371-00

Duty to recommend flood insurance
Does an insurance agent have the duty to recommend flood insurance?...

900010-00

Floods and business interruption
Would a flood trigger business interruption coverage?...

900058-00

NFIP sewer backup
How can we get better coverage for sewer backup? Is it covered under the flood policy?...

900244-00

Producer opportunity to improve flood rates
What is the National Flood Insurance Program Community Rating System?...

900287-00

WYO flood carriers
What is the difference between the Write-Your-Own flood program and that offered by the National Flood Insurance Program?...

900294-00

Flood coverage for commercial property
Is federal flood coverage available for commercial property?...

900300-00

Flood-damaged personal auto
My client’s car was damaged in a hurricane. Specifically, it was caught in a flood and was inundated with water. What should the client......

900301-00

FEMA proof-of-loss submission
My client has just experienced a loss due to a flood. Is there a time constraint when they must notify the carrier of their loss?...

900302-00

Water backup from off-premise drains and pipes
What is the difference in coverage if water backs up through a drain or sewer due to heavy rainfall, such as a hurricane, and water that backs up......

900309-00

FEMA—additional living expenses
Q. One of our insureds has a homeowners policy and a flood policy and suffered a total loss. Since the loss is considered seepage, the carrier is......

900320-00

Flood coverage for basement property
Under the National Flood Insurance Program flood policy, what items are covered in the basement of the dwelling?...

900326-00

Flood coverage for the outside perimeter walls of a commercial building
With regard to commercial flood insurance, would there be coverage for property to include finished basements, decks, or walkways outside the......

900327-00

Increased Cost of Compliance coverage
What happens in the event a building sustains substantial damage from a flood, and the inhabitants are required to meet certain building......

900335-00

Storm damage to seawall
Will the National Flood Insurance Program flood policy cover storm damage to a seawall or an attached outside patio?...

900336-00

Loss of use—flood
Our policyholder must rent a hotel room due to the flooding of their home. How is this expense covered?...

900338-00

FEMA’s HO declination requirement for disaster assistance
My homeowners clients who have suffered only flood damage are being required to get a declination of coverage from their homeowners insurer in......

900339-00

Flood claim denial
I am being told by my insureds that the flood adjusters are denying their claims for coverage because there are misclassifications on their......

900341-00

Flood policy—debris removal
We have an insured that after a recent storm, found a lot of debris on their property—including a boat! Will the flood policy cover the......

900342-00

Flood coverage for contents in an uninsured building
I have a question on a flood insurance policy regarding personal property. My insured has two buildings on his property—a main house and a......

900343-00

Mold and the NFIP policy
Is mold covered by my National Flood Insurance Program policy?...

900344-00

Grace period for flood policy
My client’s flood policy is expiring soon. Is there a grace period in which he has to pay the renewal or is it due on the effective date?...

900345-00

Concurrent causation claims from a storm
I don’t really understand the impact of the anti-concurrent causation exclusion in the ISO Homeowners Policy. Does this mean wind damage is......

900347-00

Flood water and the NFIP policy
Recently, I have been getting a lot of differing information on the National Flood Insurance Program flood policies. I heard that the NFIP policy......

900357-00

Flood—reduction of coverage limits or reformation
I received a notice that the Federal Emergency Management Agency is changing the coverage amount on my insured’s flood policy. The premium......

900359-00

Obtaining elevation certificates
My mortgage company requires that I have flood insurance and I’m being told I now need an elevation certificate. How do I go about getting......

900362-00

Flood insurance provisional rating (changes in Risk Rating 2.0)
What is provisional rating as it relates to flood insurance?...

900374-00

Coinsurance on flood policy
Is coinsurance a factor in determining a loss payout on a flood policy?...

900380-00

Recurring flood losses
When a property has experienced re-occurring flood losses and then that property is sold, does the re-occurring loss get reset?...