这些问题和答案由联邦紧急事务管理局(FEMA)提供给德州2021十大正规彩票app经纪人®。.

Why Should I Talk to my Clients About Flood Insurance?

Flooding can happen anywhere at any time. 鼓励你的客户考虑购买洪水保险，以保护他们的财产免受洪水的破坏和它可能带来的经济破坏.

A property does not have to be near water to flood. 事实上, 超过20%的国家洪水保险计划(NFIP)洪水索赔来自洪水风险最高的地区(特殊洪水危险区)以外的地区。. Floods can result from storms, 融化的雪, 飓风, 排水系统备份, 水管破裂, and changes to land from new construction, 除此之外.

重要的是要让你的客户知道，房主保险政策通常不包括洪水. 如果物业位于特别洪水灾害地区或指定的高风险洪水地区, 然后，受联邦监管或投保的贷款人必须要求买方购买洪水保险，作为抵押贷款的条件之一.

无论总统是否发布灾难声明，洪水保险都可以帮助恢复. 万一发生洪水, 联邦灾难援助, such as individual assistance from FEMA, including federally funded grants, 或从美国贷款.S. 小企业管理局在洪水损失后提供的帮助非常有限. 这种援助只有在总统正式宣布联邦灾难援助时才能提供. 大多数联邦灾难援助以低息灾难贷款的形式提供，受助人必须在现有抵押贷款的基础上还本付息, 其他贷款, 和债务.

您的客户将永远不必偿还从他们的NFIP洪水保险政策的核实索赔收到的钱.

Who Can Purchase Flood Insurance?

参与NFIP的社区中的任何人都可以购买建筑和/或内容覆盖, 除了少数例外. 持牌保险代理人可以告诉你某个特定社区是否参与了NFIP. Coastal Barrier 资源 System Areas (CBRS), undeveloped coastal areas established for wildlife refuge, 圣所, 休闲, or natural resource conservation purposes (Otherwise Protected Areas), 以及主要在地下或完全在水面上的建筑物可能没有资格获得NFIP洪水保险.

How do Clients Obtain a Flood Insurance Policy?

The NFIP also has resources to help your client find an agent. 您的客户可以访问 联邦应急管理局.政府 / nfip 或者打电话给当地的保险代理人了解更多关于购买保险的信息. 您的客户可以从代表FEMA撰写和服务洪水保险的许多公司或从NFIP Direct购买NFIP洪水保险. 只有持牌财产和意外伤害保险代理才能销售NFIP洪水保险.

Regardless of who writes the policy, NFIP flood insurance is the same. 无论代理人是谁，个人险保单的保费和保额都是一样的. 还有其他法律要求，以确保您的客户有洪水保险时，他们最需要它. If the mortgage company requires flood insurance as a condition of the loan, and the mortgage company escrows for other insurance premiums, the mortgage company must also escrow flood insurance premiums.

How Much Will Flood Insurance Cost?

洪水保险费将根据建筑物的建造日期和洪水风险而有所不同, 除此之外. 持牌保险代理可以提供报价，你应该鼓励潜在买家获得建筑和内容保险的报价. In most cases, they are separate coverages with separate deductibles. 费用取决于该房产是否属于洪水风险范围. 举个例子, if your client’s property is outside the high-risk area, 他们可能有资格获得每年最低395美元的优先风险政策.

If FEMA maps your client’s property into a high-risk flood area, 您的客户可能需要获得标高证书才能获得洪水保险报价. To find out if a property already has an EC, contact the local building permit office, the local planning and zoning office, or the current owner or a flood insurance agent. If your client is unable to identify an existing EC for their property, the client may have to hire a licensed land surveyor, 工程师, or architect to provide one. 拜访联邦应急管理局.政府 for more information about elevation certificates, NFIP如何使用它们, and why your client may need one.

When is the Best Time to Buy Flood Insurance?

洪水随时随地都可能发生，甚至在洪水高发地区之外. 另外, 从提交保单申请和保费到保单生效日期，通常有30天的等待期. However, there are exceptions to this rule. 例如, if a buyer purchases an NFIP policy in connection with a loan closing, 没有等待期. If a seller transfers his or her policy to the new property owner, regardless of whether or not there is a mortgage involved, the policy will not lapse and coverage continues uninterrupted upon sale. 在建物业的个人财产保险和建筑物保险不转让.

What are Special Flood Hazard Areas?

这些是洪水风险最高的地区或洪水保险费率地图上以字母A或V开头的地区.

How Will I Know if a Building is in a Special Flood Hazard Area?

Your clients can check with their local community or visit 联邦应急管理局.政府 / nfip to learn more about their flood risk. Anyone can view and download flood maps from msc.联邦应急管理局.政府. 贷款人将通知借款人，如果他们必须购买洪水保险作为抵押贷款的条件.

Where Can I Get Texas-Specific Flood Information?

观看最近的网络研讨会 featuring representatives from the Federal Emergency Management Agency, Texas Water Development Board, Texas Department of Insurance, and Texas Windstorm Insurance Association discuss hurricane and severe-weather preparedness; flood, 风, 房主, and 十大网络彩票平台大全 insurance; the 卖方披露通知; the obligation to obtain and maintain certain types of insurance; and low-cost improvements your clients can make to prepare for a hurricane and mitigate future damages.