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 Standard Flood Insurance Policy Forms

 
 
 

 Flood Maps

 
 
 

 Selling the National Flood Insurance Program (NFIP)

 
  • A guide from Floodsmart.gov on how agents can build a flood insurance marketing plan.
  • From the novice to the seasoned industry professional, everyone could use a few pointers for talking to prospects about flood insurance. The NFIP has developed the following tools and resources to provide valuable insight and assistance with your customer recruitment efforts.
  • Every licensed property insurance agent can sell flood insurance through the National Flood Insurance Program (NFIP). But flood insurance has a special language—and requires specific sales knowledge. That’s why the NFIP has prepared this guide. It will help you learn to “speak flood” to your clients. And it will show you how to gain access to all of the sales and marketing tools and tips waiting for you at Agents.FloodSmart.gov.
  • Download the latest and past editions of the complete Flood Insurance Manual.
  • Brochures, fact sheets, stuffers, stickers, booklets, and more.
  • Expertly designed, turnkey advertising templates that capture the importance of purchasing flood insurance.
  • FloodSmart has designed a range of high-impact flood insurance ad templates, co-branded with the NFIP logo, for your use. They’re available in different sizes and formats and are easy to access. You can download them directly to your desktop with the click of a button. All you need to do is add your agency’s logo and contact information in the space provided, and market your message in a variety of media.
  • FEMA has several BW-12 brochures and fact sheets that can help answer customer questions.
 
 

 Education

 
 
 

 Laws, Regulations & Legal Opinions

 
 
 

 Helpful Resources

 
  • On March 21, 2014, President Obama signed the Homeowner Flood Insurance Affordability Act of 2014 into law. This law repeals and modifies certain provisions of the Biggert-Waters Flood Insurance Reform Act, which was enacted in 2012, and makes additional program changes to other aspects of the program not covered by that Act.
  • Slideshow created by Jeanne Albatelli of Abatelli Group for the Independent Insurance Agents & Brokers of Suffolk County. Originally posted on SlideShare.net.
  • A simple explanation of what is and is not covered in the homeowners and flood policies in a simple PDF format for you to print, email or share online with clients.
  • This is a prime time to remind your clients about the importance of buying flood insurance? Why? It's because there is typically a 30-day wait before a policy goes into effect, and there's still the risk of a Nor'easter and all the snow, heavy rains and gale force winds they bring at this time of the year, says FloodSmart.
  • Write Your Own Flood Partner
  • Disaster preparedness resources from the Federal Emergency Management Agency.
  • Consumer-oriented web site about flooding and flood insurance.
  • In July 2012, the U.S. Congress passed the Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12) which calls on the Federal Emergency Management Agency (FEMA), and other agencies, to make a number of changes to the way the National Flood Insurance Program (NFIP) is run. Key provisions of the legislation will require the NFIP to raise rates to reflect true flood risk, make the program more financially stable, and change how Flood Insurance Rate Map (FIRM) updates impact policyholders. The changes will mean premium rate increases for some—but not all—policyholders over time.
  • The Biggert-Waters Flood Insurance Reform and Modernization Act of 2012 reauthorizes the program through September 30, 2017, but brings with it many changes. In this issue of Flood News, we have provided a summary of the changes and the policies affected.
  • An excerpt from the Aug. 14, 2013 issue of IIABNY Insider that discusses key points about the flood exposure and the things NFIP policies do and do not cover.
  • A fact sheet for homeowners from FEMA on what an elevation certificate is and how to get one for their home.
  • Not only were Colorado homes damaged by the recent severe storms, flooding, landslides or mudslides, but many survivors also lost valuable personal documents. The documents include everything from Social Security cards to driver licenses to credit cards. The following is a partial list of ways to get duplicates of destroyed or missing documents:
  • A 24 minute video from Wright Flood on the Biggert Waters Act.
  • This site addresses those extensive changes to the Flood Insurance Manual with case studies, videos, an interactive decision tool, and more.
  • If you have ever been confused about how to interpret a FEMA Elevation Certificate, this course is for you.
Flood Help Desk

IIABNY members can write their own residential and commerical flood insurance with Selective Insurance Co.

Learn How »

 
 
 

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Tim Dodge, AU, ARM, CPCU
Timothy Dodge
Asst VP of Research
P: 800-962-7950
F: 888-432-0510
E: tdodge@iiabny.org