1. Do you have clients that disagree with the requirement for flood insurance on their property and feel that it is a waste of money since their property has never flooded?
2. Do you have commercial clients who are not happy that they have to double their current insurance policies to $500,000?
3. Would you like a devoted client for life?

If you said yes to any of these questions we may be able to help!

You are required to carry flood insurance because your mortgage company has determined that at least a portion of your property is located in a SFHA with a 1% annual chance of flooding. The federal government requires flood insurance on properties located in these areas unless the flood zone is changed or clarified by FEMA. In over half of the cases we have reviewed, the flood zone determination was wrong and insurance should not be required.

Your client has the right to dispute the flood zone determination and have it changed if it is wrong. Be proactive and get informed. It's your client’s money being wasted, and it is their money they will save each year by correcting the flood zone designation.

Not only are property owners wasting a considerable amount of money, but in addition, properties that have a flood zone designation attached to them are harder to sell and do not bring the full potential value when they are sold. 

We can help your clients change this!!

We have successfully represented residential and commercial property owners with flood zone changes and saved them thousands in wasted premiums. Our expertise and knowledge of the procedures and requirements for a flood zone change enable us to obtain flood zone changes for our clients. Because we carefully assemble and review each case we are able to predetermine the outcome of each case we review. In nearly every case, if we determine your home should be removed from the SFHA, it is removed by FEMA.

Our services are offered on a flat fee basis. Once your flood zone change is approved you are entitled to a full refund of any NFIP policy premiums paid for the current year. Your refund generally covers our fee so the cost to you may be absolutely nothing. From then on it is money in the bank for you each year!!

Are you ready to help your clients??

The first step is to let Florida Flood Expert provide a free evaluation of the property and the current flood zone. 

Once we have reviewed your case file and have determined if the flood zone on the property can be changed we will contact you with our determination. If we have determined that the property can be removed from the flood zone successfully our next step is to petition FEMA for the flood zone change on your behalf. Only those cases that we have pre-approved are forwarded to FEMA for final review and approval.  The process can take anywhere from 2 to 8 weeks from the date of submission.

If your client would like to close on a loan prior to issuance of the final approval from FEMA they may do so. They will be required to purchase the flood insurance in order to close. However once the final approval is issued by FEMA they are entitled to a full refund of the flood insurance premium for the current year they have already paid for as long as the policy is a  NFIP policy and there has been no claim filed. Or if they choose they can obtain a preferred risk policy with the amount of coverage they would like rather than the full amount of their mortgage. When making their decision regarding their flood insurance policy they should consult with you, their insurance agent, and decide which option is best for them. Either way they save money each year!! 

The end result is our service will not cost your client anything, we only charge a percentage of 1 year’s savings. And each year forward you save. As a bonus you have also increased the value of your property and increased its marketability. You will have a client for life and you can bet they will tell all their friends what a great insurance agent you are. One that actually looked out for their best interest and saved them money!!



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Services Overview Combining the Expertise of:




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Contact Us

Address: PO Box 5, Oldsmar, FL 34677
Phone: 813-525-5391