With 25 years in the flood business we understand the nuances of flood insurance as well as flood research and compliance. This experience allows us to examine the needs of your client in order to find the best and most cost effective solution. When placing insurance our specialization results in a streamlined underwriting process and proper flood insurance rating that will often save the insured money.
Private Flood Insurance
AFR is a coverholder with Lloyd's of London and has binding authority to quickly provide quotes and issue policies for your clients.
A few benefits of this program are:
- No Elevation Certificate required
- Replacement cost coverage
- Schedule multiple structures/multiple locations in the same state on one policy
- Excess, BI, and high limits available
National Flood Insurance Program
The National Flood Insurance Program is constantly evolving and rates seem like they are always increasing.
Our agents keep up to date on all the regulations and changes to the NFIP that could affect your client's premiums.
We can quickly determine if a newly mapped, grandfathered or subsidized policy can you save your client money.
Flood Zone Determinations
As a leading flood zone determination provider we have the resources to make sure that your clients are not paying for flood insurance when they don't need it.
Our flood zone determinations are completed manually to ensure that any and all buildings are located in the correct zone.
We can re-check determinations provided by other sources and provide detailed maps when necessary.
Other Flood Related Services
We have a nationwide network of surveyors that can provide an Elevation Certificate for your client.
We take care of all the work. This includes negotiating the best prices, ordering the certificates and managing the process.
LOMA Processing - Removal from the 100 Year Flood Zone
AFR can evaluate the elevation data of a structure and determine if it can be removed from the more costly 100 year flood zone.
Our Certified Floodplain Managers will obtain any necessary information and process LOMAs directly with FEMA.