1. Do you manage properties that have been determined to be in a flood zone?
2. Do they want the highest rate of return possible on their investment?
3. Do you want to eliminate or reduce the flood insurance requirement on your property?

1. Does your mortgage company require you to carry costly flood insurance?

2. Have you been notified of flood map changes in your area?

3. Has your home been free of flood damage since you have owned it?

4. Do you want to eliminate the flood insurance on your property?

5. Would you like to keep your flood insurance but pay less?

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

Your client is 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.
You have the right to dispute the flood zone determination and have it changed if it is wrong. Be proactive and get informed. 
Not only do flood insurance premiums decrease your client’s annual rate of return, but being in a flood zone reduces their property value. By eliminating their flood insurance premiums you increase their annual income AND the value of the property.

We can help you change this!!

We have successfully represented 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 the property should be removed from the SFHA, it is removed by FEMA.
Our services are offered on a flat fee basis. Once the flood zone change is approved your client is entitled to a full refund of any NFIP policy premiums paid for the current year. The refund generally covers our fee so the cost may be absolutely nothing. From then on it is money in the bank for your client each year!!

Are you ready to help you clients start saving??

The first step is to let Florida Flood Expert provide you with 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.
Once the final approval is issued by FEMA your client is entitled to a full refund of the flood insurance premiums they have paid for the current year as long as the policy is a NFIP policy and no claim has been filed. Or if you choose you can obtain a preferred risk policy with the amount of coverage you would like rather than the full amount of your mortgage. When making your decision regarding your flood insurance policy changes consult with your insurance agent and decide which option is best for you. Either way you save each year. 
The end result is our service may not cost your client anything. Each year forward, your client saves money. Also, as a bonus they have increased the value of their property. You can bet they will pass on your name as a great property manager with a client’s best interest at heart!!



pix pix pix

Services Overview Combining the Expertise of:




    To help people save money!

Contact Us

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