If you need to buy flood insurance or have flood insurance and want to save money you need a flood expert - you need a Flood Nerd.
I’m Robert Murphy and I can save you money on flood insurance. I may look like a mild-mannered insurance salesman to you, but I head up a secret underground group of people that specialize in flood insurance - Flood Nerds.
Well, okay maybe we aren’t so underground since you found me here on the open web. But we know flood insurance. Do You?
Breaking the Government Monopoly Called NFIP
Most people think the only way to get flood insurance is through the National Flood Insurance Program (the infamous NFIP).
I used to think that too.
But 6 years ago I discovered an ugly truth. Most general insurance agents don’t know much about the private flood insurance market. When a client needs flood insurance they just sign them up for the NFIP. They don’t even shop the private flood insurance market where you can really save people money.
I call those people Flood Wimps. They unwillingly support the flood insurance monopoly that exploits people who need to buy flood insurance. They aren’t bad people, they just don’t know any better.
This situation really made me mad. That anger transformed me into the Flood Nerd I am today. I saw an opportunity to help people get out from under the thumb of the government flood program by getting them coverage in the private flood insurance market.
I knew I had the education, temperament, and stamina to break the government flood insurance stranglehold. I'm a fighter and my superpower is getting you the lowest price and best coverage available for your property.
And I am not alone. I’ve put together an amazing team of Flood Nerds that share my passion for righting the injustice of flood policies with premiums that are too high and coverage that’s too low. We help people with existing flood policies, new home buyers, real estate agents, lenders, and property managers. We save people money and we can save you money too.
Save Money on Existing Flood Insurance
Do you already have a flood policy through the NFIP and are struggling to pay renewal premiums that just keep going up and up?
Fill out our contact form and unleash a Flood Nerd on your behalf.
We’ll sniff out ways to save on your policy and even shop it on the private market.
Did you know there are over 40 private flood insurance companies? Well, we know all of them and we know ways to save on flood insurance.
Flood Nerds Save Money & Grief for New Home Buyers
Are you buying the home of your dreams and just discovered it comes complete with the need for flood insurance? And the premiums are sky-high? Don’t despair!
And certainly don’t let your homeowner’s insurance agent rope you into an expensive NFIP policy. In no time, the Flood Nerds will get you the coverage you need, save you money, and keep your closing on track.
It’s easy to overpay for flood insurance when you try to do it yourself. It’s even easier to save money on flood insurance when you let a Flood Nerd do the work for you. We love helping home buyers close on their dream home on time and without paying for crazy high premiums.
Your job is hard enough. Getting documents together and keeping the underwriters happy is stressful, especially when the property is in a high-risk flood zone. Trust the Flood Nerds to step in and give you a hand.
We geek out on flood insurance so you get everything you need. We’ll help you keep those closing dates and reign in flood insurance costs to keep those borrowers qualified.
Because we’re Flood Nerds, we know what you need to stay in compliance with laws regarding lending on the property in flood zones. The higher the flood zone risk, the harder we work to secure the coverage and premiums that keep buyers, sellers, and lenders smiling.
Because we shop the independent flood insurance market, we have access to over 40 highly rated insurers and know the ins and outs of getting the best rate.