2023 – Flood Nerd Blog

  1. How to get a flood insurance quote

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    Are you looking for flood insurance quotes? Let the Flood Nerds help you out. Our expert team has been providing homeowners flood insurance, condo flood Insurance, and rental property flood insurance with tailored solutions for years, so we know just how tricky it can be to navigate this process. That’s why our goal is always to make it as easy and straightforward as possible by getting you inst…Read More

  2. What is the NFIP?

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    The National Flood Insurance Program (NFIP) was established after the devastating floods that occurred in the US in the 1960s. This government-sponsored initiative is designed to provide affordable flood insurance to homeowners and businesses in high-risk areas or areas with “special flood hazards.”   (function() { var qs,j,q,s,d=document, gi=d.getElementById, ce=d.createElement, gt=d.get…Read More

  3. How do I get a LOMA?

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    How to get a LOMA A Letter of Map Amendment (LOMA) is a critical document that serves as an official amendment to the Federal Emergency Management Agency's (FEMA) Flood Insurance Rate Map (FIRM). It is used to confirm that a property is not located within a Special Flood Hazard Area (SFHA) and is therefore not subject to the mandatory purchase of flood insurance. Obtaining a LOMA can significantly…Read More

  4. Flood Insurance RCV vs ACV – A Flood Nerds™ Explains

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    We often get asked if the flood policy we quote is Replacement cost or Actual cash. This post will hopefully clear up the question. If you have further questions or want to speak with a flood nerd feel free to call us at 1-866-990-7482. Dear Customer, I understand that choosing the right flood insurance coverage for your property can be confusing, especially when an understanding the difference be…Read More

  5. Does My Business Need Flood Insurance?

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    When you pour your energy, time, and heart into your business, don't let anything take it down. There are a number of ways to block your market competition, but having the right protection, although not as exciting as marketing, is necessary to defend your asset. In this article, we'll explore the importance of obtaining commercial flood insurance, as well as various ways to control the cost of in…Read More

  6. What are my Private Flood Insurance options? Cost of flood insurance.

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    What Private Flood Insurance options are available to me? How does the cost of Private Flood Insurance compare with that of NFIP? This is a wonderful question and one that we frequently hear: What flood insurance options are available? For 50 years, the National Flood Insurance Program (NFIP), also known as the Government flood insurance policy administered by FEMA, enjoyed a monopoly on flood ins…Read More

  7. Save Money on Flood Insurance Colorado, Arvada, Wheat Ridge, Boulder and more.

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    Colorado Flood Insurance A client called me today seeking a house in Jefferson County, CO. However, the property in Wheatridge, CO falls within a High-risk or Special Hazard Flood Area (SHFA). Zone AE flood insurance, Colorado While a history or possibility of flooding may not be a certainty with flood zone AE, the likelihood is higher, leading to requirements of flood insurance by lenders for the…Read More

  8. FACE of Natural Disaster & Flawed FEMA flood Maps

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    As an expert in flood insurance analysis, it's important for me to shed light on the limitations of FEMAs flooding maps. Despite their value in guiding lenders through whether flood insurance will be required or not, it's essential to understand that FEMA flood maps are far from perfect. In fact, they often suffer from bloated timelines and pressures from powerful entities. Did you know that it ca…Read More

  9. What is BFE (Base Flood Elevation)? Get the Answer Now and Save Money on Flood Insurance

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    What is Base Flood Elevation (BFE)? Understanding the Flood Plain Jargon Have you ever tried to navigate the waters, so to speak, of flood plain management? Trust me, as someone who has been in the real estate flood insurance game for a while, I know how complicated it can all seem. And the government certainly doesn't help with its jargon-filled definitions and regulations, including the Base Flo…Read More

  10. Understanding Flood Zones: How Your Address Could Determines Your Risk

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    Whether you're a homeowner, potential home buyer, real estate agent or property developer, understanding flood zones is critical when planning your next big move. Knowing your property's flood zone can help determine its value, flood insurance rates, and the level of risk associated with flooding. In this article, we'll dive into the concepts of flood zones, their different levels, and their impac…Read More