How do I purchase a flood insurance policy?

How do I pay for a policy?

We're ready to close our loan and our lender says we need flood insurance. How fast can we get a policy?

Do I have to pay the entire premium?

Do I have to complete the application request online?

I need flood insurance to close my loan. An elevation certificate is required and I don't have time to obtain one. What can I do?

What is an Elevation Certificate? and where do I get one?

Do all companies charge the same for NFIP flood insurance?

If all companies charge the same, why should I buy my policy from TFIA?

If I sell my house, can I cancel my policy and get a refund?

Does TFIA sell Homeowners Insurance?


How do I purchase a flood insurance policy?

  1. Complete the appropriate quote/application request for your building type from the main menu or call TFIA and we will complete the application for you over the phone.

  2. A completed quotation/application will be returned to you by email or fax with payment instructions.

  3. Upon receipt of the premium payment, TFIA will issue a paid receipt and email or fax it along with the flood insurance application to you and/or your lender to evidence flood insurance coverage. The application and paid receipt is all that is necessary to satisfy the lenders requirement until the policy is issued. The policy will become available electronically within 3 to 5 days. Hard copy policies are usually mailed to the insured and mortgagee/lender within 7 days.


How do I pay for a policy?

The Flood Insurance Agency offers our clients several convenient methods in which to pay premiums, some of which are designed to allow us to constructively receive payment and enable us to provide immediate evidence of coverage to a mortgage lender.

We accept payment by check or money order. These payments can be mailed or sent by overnight delivery to us at:

5700 SW 34th St.
Suite 402-B
Gainesville, FL 32608

Electronic bank withdrawal authorization allows The Flood Insurance Agency to provide immediate evidence of flood insurance coverage to a mortgage lender. These funds are deducted directly from your checking account in the same manner as when a check clears through your financial institution. Insufficient funds in your account at the time of the withdrawal will be treated by the NFIP the same as if a check were returned for insufficient funds, and the flood insurance policy will be voided. (click here to pay using electronic bank withdrawal)

Credit cards can also be used for payment of premium. We accept VISA, MasterCard, and American Express. Credit card payments can be transmitted electronically online, by fax, or by telephone. We will attempt to notify you if your charge is not authorized by your credit card company. Policies are not subject to cancellation for reasons other than those set forth in the NFIP rules and regulations. In matters involving billing disputes, cancellation is not available other than for billing error or fraud.

For payment using your credit card online: (click here)

For payment using your credit card by telephone: Call us toll free at 877-FLOOD-4-U (877-356-6348).

For payment using your credit card by fax: Our fax number is 800-859-2186.
(click here for a printable credit card fax transmittal form - PDF)


We're ready to close our loan and our lender says we need flood insurance. How fast can we get a policy?

In most cases TFIA can provide evidence of insurance to you and your lender within the same day the application is requested.


Do I have to pay the entire premium?

Yes. As much as TFIA would like to assist with a payment program, the National Flood Insurance Program does not allow it.

The National Flood Insurance Program (NFIP) rules contain very specific timelines that must be adhered to and dictate when the full annual premium must be paid and received prior to insurance coverage being effective for a new policy, a renewal policy or a policy endorsement. (click here to view a complete summary of NFIP payment guidelines)


Do I have to complete the application request online?

No. Applications can be faxed, mailed, or completed over the phone with a TFIA insurance agent.


I need flood insurance to close my loan. An elevation certificate is required and I don't have time to obtain one. What can I do?

  • In many cases TFIA can issue a policy subject to the submission of an elevation certificate after closing. This will allow you to close your loan and take the time necessary to locate an existing certificate or have one completed.

  • Contact TFIA to see if your property qualifies.

What is an Elevation Certificate? and where do I get one?

Elevation certificates are prepared by licensed surveyors and engineers, and determine the elevation of specific structures with regard to base flood elevations determined by FEMA. These certificates are required to rate certain flood insurance policies, based on their construction date, and are optional for other properties to determine if they qualify for a lower flood insurance premium.

Property owners are able to complete their own elevation certificate for most properties located in a zone A and zone A0 (not available in zones AE, A1-A30, AH, or V

TFIA will assist property owners located in zone A or zone A0 with the completion of an elevation certificate for a fee of $75.

To view and print the FEMA elevation certificate and instructions, click here.

Elevation certificates are sometimes kept on file at the county building department. The builder, architect, or current owner are also possible sources.

Note: If flood insurance is required for a loan closing and an elevation certificate is not available, in many cases TFIA can issue a policy subject to the submission of an elevation certificate after loan closing.


Do all companies charge the same for NFIP flood insurance?

Yes. The rates are set by the National Flood Insurance Program (NFIP). Therefore your NFIP policy will cost the same regardless of the issuing company or agent providing the same rating criteria is used.


If all companies charge the same, why should I buy my policy from TFIA?

We take great pride in our ability to service the flood insurance needs of both individual property owners and our peers who are professionals in related industries. Our testimonials attest both to our expertise and our reputation. We realize having other professionals rely on us is a privilege and a responsibility, and we treat each of these referrals very seriously.

The Flood Insurance Agency does not sell homeowner's or automobile insurance, nor do we sell life insurance. Every insurance product we offer provides protection from the peril of flood.

Our clients benefit from our years of experience and our commitment to excellence. We provide unique services designed specifically to offer much more than just a flood insurance policy. Two of those services are our:

SEMI-ANNUAL POLICY REVIEW

Twice each year the National Flood Insurance Program (NFIP) manual is revised. Changes to policy rating, property eligibility, loss deductible options, and many other factors can affect in force policies as well as renewal policies. Shortly after these semi-annual revisions are published we review each and every flood insurance policy that we service to determine what effects, if any, there are. We then contact our clients with the results of our review.

FLOOD INSURANCE MAP MONITOR

The Federal Emergency Management Agency (FEMA) is responsible for publishing the flood insurance rate maps that determine the premium and eligibility for all properties. These maps often change, with some properties being added to certain flood zones and other properties being removed. We monitor the flood maps for each of our in force policies and notify our clients if a map change has occurred that affects their property. These changes can remove a borrower's responsibility to provide flood insurance to their lender, and can also change the premium for a policy that is still desired or required. We monitor these changes constantly as long as we are the servicing agent.


If I sell my house, can I cancel my policy and get a refund?

Yes. Your policy can be canceled and refunded on a pro-rata basis.


Does TFIA sell Homeowners Insurance?

No. TFIA specializes in Flood Insurance. It's all we do.

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©2003 The Flood Insurance Agency - All Rights Reserved Legal Notice
Call Us Toll Free - 877-FLOOD-4-U (877-356-6348)
Fax 800-859-2186
Home | Our Company | Testimonials | Useful Links | Partners | Careers | Privacy Policy | Contact Us

©2003 The Flood Insurance Agency - All Rights Reserved
Call Us Toll Free - 877-FLOOD-4-U (877-356-6348)
Fax 800-859-2186