Gail Moldovan-Trujillo, ACSR,CPIW Hagan Hamilton Insurance .

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Gail Moldovan-Trujillo, ACSR,CPIWHagan Hamilton Insurance2012 NFIP Agencyof the yearFlood Insurance Specialist& Consultant

Flood Insurance regulations continue to changeat a very rapid pace, therefore this informationhas and will continue to change The information provided today is foreducational purposes and should not beconstructed as legal advice

Mapping changes and how it could effect you The insurance procedure for property newly mapped intoa special flood hazard zone Quick review of flood rates, preferred and standard Tips to reduce your premiums Please hold your questions until the end

1 – Buildings removed from the flood zoneo Can cancel insurance with documentationo Available for a Preferred policy2 - Buildings added to special flood hazard zoneo May qualify for a Preferred policyo End of the first full policy year after the map revision date,rates will increase systematically but there are optionsincluding rating by elevation certificate.3- Same zone, but change in the base flood elevationso Lock in the prior base flood elevation under “grandfathering”rules and possible additional savings with elevation certificaterating

Most of the rates are based on FEMA’spublished rates of October 2014, new ratesbecome effective in April of 2015 . Mapfinal date is estimated around spring orsummer of 2016 .Rulesand rates are subject to change

BuildingContents 100,000 40,000 125,000 50,000 150,000 60,000 200,000 80,000 250,000 100,000*FEMA Policy Fees not includedAnnual Premium 362 389 414 454 484The maximum coverage available for a single family home underthe Federal Flood Program is 250,000. Excess coverage may be available,rates provided upon request. 500,000 limit available for a commercial building. Quotes as of October 2014

Building 100,000 125,000 150,000 200,000 250,000 Contents 40,000 50,000 60,000 80,000 100,000FEMA Policy Fees not includedAnnual Premium 379 397 419 462 493

15 % -18% rate increase Subsidized rates and Newly Mapped rates until full risk rates areachievedFULL RISK RATES Lowest floor elevation VS the Base Flood Elevation ( BFE) Continue up the hill at a slow pace Stop the moving train by being rated with an elevationcertificate

Home’s Lower ElevationRate (Pre-Firm home Rate (Post-Firm homeconstructed prior to constructed after AprilApril 1985)1985)1 foot above BFE 454 454Equal to BFE 780 7801 foot below BFE 1,121 Subsidized 2,585 ActualMore than 1 foot below BFEIncreases with DepthNotes:1) FEMA’s insurance rates are site specific, change frequently, and vary widely by valueof the dwelling and site specific circumstances. Rates above are hypothetical and notapplicable to a specific property.2) What FEMA considers the lowest floor elevation will vary based on several factors3) FEMA Policy Fees not included

Grandfathering is a cost savingsoption for policy holders when: Newly-mapped into special flood hazard areaor Base Flood Elevation increasesMust have a policy in effect when thenew maps become effective Must maintain continuous coverage Built in compliance with the originalFIRM

What FEMA considers ahome’s “lowestelevation” for rating isdependent on severalfactors. An elevationcertificate will clarifywhich category a homeis in and what can bedone to reduce rates.

LOMAs are usually issued because a property has beeninadvertently mapped as being in the floodplain, but is actually onnatural high ground above the base flood elevation. If this applies to your property, contact a surveyor to determine thelowest grade of your property. The surveyor can apply for theLOMA for you.

Vents, Ventsand more Vents Flood insurance rates are based on the projected amount ofdamage your home will sustain in a flood event. Be prepared for the end of the two years when critical ratingcriteria will come into play. Proper venting 1 sq inch per sq ft of your foundation enclosureAND attached garage Vents may not be the answer for every building or may need to becombined with other mitigation options – Sometimes there are noaffordable options.

During a flood event, immense hydrostatic forces are inaction. Flood ventilation operates under the principle of relieving(rather than resisting) that pressure. Relief is required by code, insurance companies, and theprinciples of good floodplain management.

FEMA Accepted 16”x8” covers 200 sq.ft

Vents, Vents and more Vents Flood insurance rates are based on the projected amount of damage your home will sustain in a flood event. Be prepared for the end of the two years when critical rating criteria will come into play. Proper venting 1 sq inch p

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