1. can I buy flood

Posted: Fri Feb 01, 2008 11:08 pm Post Subject:

The U.S Congress established the National Flood Insurance Program (NFIP) with the passage of the National Flood Insurance Act of 1968. The NFIP is a federal program enabling property owners in participating communities to purchase insurance as protection against flood losses in exchange for State and community floodplain management regulations that reduce future flood damages.

Posted: Sat Feb 02, 2008 06:45 am Post Subject:

can I buy flood insurance without going through a local or agent

Posted: Sat Feb 02, 2008 06:51 am Post Subject: check it out!

Hi, see I have 2 old discussion-threads for you in this regard -
http://www.ampminsure.org/feedback/floodinsurance.html
http://www.ampminsure.org/manage/about3491.html
Regards,
Sasha

Posted: Sat Feb 02, 2008 07:04 am Post Subject:

Hey, your flood insurance premium will depend upon the geographic location of your residence. If you are living in the coastal areas, you are required to pay higher premium for the insurance. You can insure the building and its contents for the highest level of coverage available for around $5,000 a year. Therefore, you need to find out the exact positioning of your property in the Flood Map available at the department of FEMA. Hope you find this information helpful.

Posted: Sat Feb 02, 2008 10:44 pm Post Subject:

Why don't you want to go to a private carrier, if they offer it and you can add it on to your other homeowner insurance wouldn't it be cheaper to get it all from the same company?

Posted: Sun Feb 03, 2008 02:40 am Post Subject:

A lot of them do not offer flood insurance a long with the regular home owners August, he is looking specifically for flood insurance.

Posted: Sat Feb 09, 2008 05:42 am Post Subject:

I should be able to get flood insurance cheap as where I live has never flooded.Right? It isn't automatically put in your policy right?

Posted: Sat Feb 09, 2008 01:14 pm Post Subject:

NO !!! Hummingbird the peril of FLOOD IS NEVER COVERED in a HO policy!!! neither is earthquake! (few others too but you CAN get coverage for these two by either adding to your ho, or buying a flood policy)

Posted: Sat Feb 09, 2008 05:15 pm Post Subject:

I don't have it and don't know why I would even consider purchasing it because I don't live in a flood zone, and I am on a hill, the town is below me, so to me this would just be an extra unnecessary bill that I would not want to pay.

Posted: Sat Feb 09, 2008 07:44 pm Post Subject:

I tend to agree with Goodnatureds thinking. Where I live the ground is like walking on a sponge from all the rain we have had all winter but flood?No it has never flooded here and isn't likely ,so I will save myself that cost.