Personal Lines

History of Flood Mitigation and Insurance Laws

From a flood insurance perspective, how did we get to where we are? Flood insurance is colorful enough on its own, but reading the history makes it even weirder.

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Back to Basics – Important Flood Resources Agents Need

Flood insurance is a victim of politics. Information learned a few years ago may no longer apply. Stay current.

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New Flood Insurance Manual

The National Flood Insurance Program (NFIP) updated its Flood Insurance Manual effective April 1, 2020. Following are links to the updated manual and appendices.

High and fast water rising in Bayou River with downtown Houston in background under cloud blue sky. Heavy rains from Harvey Tropical Hurricane storm caused many flooded areas in greater Houston area.

New Flood Insurance Manual

The National Flood Insurance Program (NFIP) updated its Flood Insurance Manual effective April 1, 2020. Following are links to the updated manual appendices.

Flood Insurance Myth Debunked: The Two Acres – Two Properties Rule

Through our “Ask an Expert” service, we have had reports of adjusters denying flood claims on the basis that localized flooding did not cover a surface area of 2 acres/properties…

04 February 2019 Townsville, Qld - Suburbs adjacent to Townsville's Ross River were flooded when two millions litres of water was released every second from the city's dam. Unprecedented rainfall in the week leading up to this event saw the dam's level rise to nearly 250% - Photo: Cameron Laird (Ph: 0418 238811 - cameron@cameronlaird.com)

Post-Flood Homeowners Questions

“We have been getting some questions from our insureds about coverage under a Homeowners Policy for exposures that developed after the recent floods. I want to put together an FAQ…

RCBAP and Insurance to Value

Insurance professionals should explain the benefits of insuring to 100 percent of the replacement cost on the RCBAP (as well as all type of policies) covering buildings or personal property.…