The Flood Insurance Guru

In this episode, we discuss the 2024 hurricane season, flood insurance, disaster assistance, and SBA disaster loans.Download the disaster assistance guide hereContact Information: Website: FloodInsuranceGuru.com Email: flood@floodinsuranceguru.com YouTube: Flood Insurance Guru Channel Remember, knowledge is power, especially when it comes to protecting and maximizing your real estate investments.

 The 2024 Guide to Flood InsuranceEpisode Overview:In this episode, we're taking a deep dive into everything you need to know about flood insurance in 2024. Whether you're a homeowner, real estate investor, or just curious about how flood insurance works, we've got you covered. We'll explore various flood insurance options, coverages, deductibles, understanding flood zones, and the crucial role of flood scores.**What You'll Learn:**1. **Flood Insurance Options:**   - The difference between federal flood insurance through the National Flood Insurance Program (NFIP) and private flood insurance options.   - How to choose the right policy for your property's risk and your financial needs.2. **Understanding Coverages:**   - What is typically covered by flood insurance and what isn't.   - Special considerations for building property and personal content coverage.3. **Deductibles Explained:**   - How choosing the right deductible can affect your premium and out-of-pocket costs during a claim.   - Tips for balancing risk and affordability.4. **Flood Zones and Their Impact:**   - How flood zones are determined and their importance in your insurance policy.   - Recent changes to flood zone designations and what they mean for you.5. **The Importance of Flood Scores:**   - What a flood score is and how it influences your flood insurance rates.   - Strategies for improving your property's flood score and potentially lowering your insurance costs.**Listener Questions:**- We answer your most pressing questions about flood insurance—everything from policy limits to what happens if you're newly mapped into a high-risk flood zone.**Resource Links:**- [Link to NFIP Guidelines]- [Link to Your Flood Zone Review Service]- [Link to an Interactive Flood Map]Don't wait for the flood waters to rise before you get covered! Visit our website at  to learn more about your options, or give us a call to discuss how we can help you stay protected.Contact Information: Website: FloodInsuranceGuru.com Email: flood@floodinsuranceguru.com YouTube: Flood Insurance Guru Channel Remember, knowledge is power, especially when it comes to protecting and maximizing your real estate investments.

Introduction:Welcome back to The Flood Insurance Guru Podcast, hosted by Chris Greene, owner of The Flood Insurance Guru and The Flood Professor.This podcast is dedicated to bringing flood education to homeowners, real estate investors, and real estate professionals.Episode Overview:Topic: Climate Change Isn't the ProblemChris discusses how human behavior, not just climate change, plays a crucial role in flood risks and disaster recovery.Key Points:Climate Change vs. Human Behavior:Climate change is a significant issue, but it's been happening for centuries.Rapid climate changes are causing more frequent and severe flooding events.Major floods in recent years: Houston, Dallas, St. Louis, Birmingham, and Waverly.Human Behavior and Disaster Response:Rebuilding in the same areas post-disaster without changes.Importance of adhering to local floodplain management guidelines.The role of the National Flood Insurance Program (NFIP) and its guidelines.Flood Insurance and Risk Awareness:Many homeowners only purchase flood insurance when required by banks.There is a need to understand flood risk scores and not solely rely on flood zones.It is important to know the specific risks related to properties, such as proximity to creeks, rainfall, or basement issues.Changing Beliefs and Behaviors:Changing beliefs about flood risk and financial protection.Understanding flood zones and maps can be outdated and not fully indicative of actual risk.Using tools and resources to make informed decisions about property investments in flood-prone areas.The Consequences of Inaction:The financial and emotional toll of flood recovery.There is a potential for businesses to never reopen after a flood due to inadequate insurance.There is limited assistance from the government when disasters are not declared officially.Call to Action:Resources: Download guides on flood zones and understanding flood insurance from the podcast description.Engagement: Visit the YouTube channel, Flood Insurance Guru, for additional educational videos.Blog: Check out the podcast blog on the website, floodinsuranceguru.com, for deeper insights.Guide to flood zonesCheck Your Flood RiskGet a Flood Insurance QuoteWebsiteContact Information: Website: FloodInsuranceGuru.com Email: flood@floodinsuranceguru.com YouTube: Flood Insurance Guru Channel Remember, knowledge is power, especially when it comes to protecting and maximizing your real estate investments.

Introduction:Welcome back to the Flood Insurance Guru podcast, where we clarify the complexities of flood insurance and provide you with actionable insights to protect your home and assets. In today's episode, we're diving into the transformative power of artificial intelligence (AI) in the insurance sector and how it's shaping a new buying experience for  property owners and real estate professionalsKey Highlights:The Role of AI: Explore how artificial intelligence is set to change the game for homeowners, real estate professionals, and potential homeowners. AI is not just a buzzword; it's a tool that can save you time and reduce the frustration often associated with insurance buying process and understanding policy coverages.Why Listen: If you're frustrated with buying insurance with no confidence, this episode will arm you with knowledge on how AI can streamline the process, ensuring you're well-informed and prepared for any flood disasters.Love what you're hearing? Make sure to leave us a review on your favorite podcast platform and share your thoughts. Your feedback helps us bring more valuable content to you.Today's Deep Dive: Artificial Intelligence in InsuranceInsurance Policy Jackets: We discuss the importance of understanding your policy's fine print, which can often feel like a daunting task. AI, specifically tools like Claude, can analyze these documents, highlighting key coverage points, exclusions, and definitions without you having to sift through pages of jargon.Real-World Application: Chris shares his personal experience with using AI to dissect policy details, from deductibles to mortgage clauses, turning what could be weeks of back-and-forth with agents into a matter of hours.The Power of Clarity: Understanding exactly what your policy covers and what it doesn't can significantly adjust your expectations and prevent disappointment during claims. AI tools provide this clarity, enabling you to make informed decisions about your insurance coverage.Embracing AI Tools: While AI is not without its flaws, its benefits in time-saving and providing deeper insights into insurance policies are undeniable. We discuss how both consumers and agents can leverage AI for a better insurance buying experience.Key Takeaways:AI can transform the insurance buying experience by providing clarity and saving time.Understanding your insurance policy thoroughly can adjust expectations and prepare you for claims.Tools like AI can assist in uncovering details about your policy you might not have known otherwise.For more insights and to stay updated on the latest in flood insurance, visit our website at floodinsuranceguru.com and check out our Learning Center.Dive deeper into this topic on our YouTube channel, Flood Insurance Guru, where we regularly post informative videos.Thank you for joining us on this enlightening journey into the future of insurance buying. AI is here to stay, and by embracing these tools, we can ensure that we're not only well-protected but also well-informed. Stay tuned for more episodes where we clarify the complexities of flood insurance and help you the process with ease.Contact Information: Website: FloodInsuranceGuru.com Email: flood@floodinsuranceguru.com YouTube: Flood Insurance Guru Channel Remember, knowledge is power, especially when it comes to protecting and maximizing your real estate investments.

Episode Title: Must-Knows for Real Estate InvestorsHost: Chris Greene, President and Owner of the Flood Insurance GuruEpisode Overview:Welcome back to the Flood Insurance Guru podcast! In this episode, we're diving deep into the world of real estate investment, specifically focusing on the critical aspects investors need to be aware of when purchasing property in flood-prone areas. Whether you're eyeing profitability or aiming to safeguard your investments against unexpected flood insurance costs, this episode is tailored for you, the savvy real estate investor.What We Cover:Key Considerations for Purchasing Property: Learn what every real estate investor should consider before buying property, especially in flood zones.Maximizing Profitability: Strategies to keep your profits high and flood insurance costs low.Real-Life Challenges: A story from a real estate investor caught off-guard by flood zone requirements and how it impacted their profitability.Understanding Flood Zones: The significance of flood zones A and V, and how they affect your investment strategy.Navigating Flood Insurance: Insights into FEMA flood insurance vs. private options and how to choose the right coverage for your investment.Floodplain Management Guidelines: How renovations and additions can change the flood insurance landscape for your property.Flood Risk Verification: The importance of verifying your property's flood risk score and how it influences insurance premiums.Selling Your Investment: Preparing for potential buyer questions about flood history and ensuring smooth property transfer.Resources for Real Estate Investors:FloodInsuranceGuru.com: Visit our website for videos, blogs, and a learning center dedicated to real estate investors.Free eBook: Download our free guide on flood insurance strategies for real estate investors available in the show notes.Call to Action:Subscribe and Review: If you find value in our podcast, please subscribe on iTunes, Spotify, Google Play, and leave a review to help others discover our content.YouTube Channel: Don't miss our educational videos released every Monday, Wednesday, and Friday, designed to help you maximize your real estate investment profitability.Closing Thoughts:Today's episode is packed with invaluable insights for real estate investors looking to navigate the complexities of flood insurance and flood zone investments. Remember, being informed and prepared can significantly impact your investment's profitability and sustainability.Free Gift Reminder: Don't forget to claim your free gift at the end of this episode, designed to aid your real estate investment journey.Thank you for tuning in to the Flood Insurance Guru podcast. Stay informed, stay profitable, and we'll see you in the next episode!Contact Information: Website: FloodInsuranceGuru.com Email: flood@floodinsuranceguru.com YouTube: Flood Insurance Guru Channel Remember, knowledge is power, especially when it comes to protecting and maximizing your real estate investments.

In this pivotal episode of the Flood Insurance Guru podcast, we're diving deep into the essentials every real estate agent must understand about flood zones, bank requirements, flood insurance options, flood risk scores, and flood loss history. Whether you're navigating the sale of a waterfront property or advising clients in flood-prone areas, this episode is your comprehensive guide to mastering the complexities of flood insurance and ensuring your clients are well-informed and protected.Flood Zones Demystified: We start by breaking down the ABCs of flood zones. From high-risk areas designated as zones A and V to the moderate-to-low-risk zones B, C, and X, understanding these classifications is crucial for real estate agents. We'll explain how these zones impact insurance requirements, property values, and buyer perceptions.Bank Requirements Unveiled: Next, we tackle the often-complex world of bank requirements for properties in different flood zones. Learn about the mandatory purchase requirement for flood insurance in high-risk areas and how to navigate the exceptions and nuances that can impact your closing process.Exploring Flood Insurance Options: With the landscape of flood insurance constantly evolving, we'll guide you through the traditional NFIP policies versus the burgeoning market of private flood insurance. Discover how to evaluate the best options for your clients, considering coverage limits, policy costs, and the intricacies of what's covered and what's not.Flood Risk Score Explained: The introduction of Risk Rating 2.0 by FEMA has revolutionized how flood risks are assessed, moving beyond simple zone designations to a more nuanced flood risk score. We'll dive into how these scores are calculated and what they mean for homeowners, offering a clearer picture of the actual risk faced by properties.The Importance of Flood Loss History: Lastly, we'll discuss the critical role of a property's flood loss history in determining insurance rates and property desirability. Understanding how previous flood claims affect current and future policies is key for any real estate agent looking to provide the best advice to their clients.Join us in Episode 434 of the Flood Insurance Guru podcast as we equip real estate agents with the knowledge and tools needed to navigate the flood insurance landscape confidently. Whether you're a seasoned agent or new to the field, this episode is packed with invaluable insights to help you safeguard your clients' investments and ensure smooth, informed property transactions in flood-impacted areas.

Guide to Flood Insurance in Flood Zone AE in 2024. Thats what we are discussing. We look at these areas in this podcast.What is flood insuranceWhat is flood zone AEBank RequirementsFlood CoveragesFlood Insurance OptionsFighting Flood Zone AEGet you flood insurance quote here

Flood insurance premiums in Birmingham Al are skyrocketingWhat can you do?Can you fight them?Are they accurate?We discuss all those things in this episode of the podcast.Ready to purchase flood insurance click hereWant to learn more about flood insurance click hereLook at changing your flood zone click here

In this podcast we look at mistakes i made as a homeowner purchasing flood insurance.We look atPricingPrivate flood InsuranceCoveragesNeed an elevation certificate click hereReady to get flood insurance click here

Are you navigating the complex world of flood insurance? Are you unsure about your options when it comes to protecting your home or property from one of nature's most destructive forces? Join us on "Navigating the Waters of Private Flood Insurance," a podcast dedicated to unraveling the intricacies of private flood insurance and helping you make informed decisions to safeguard your assets.Hosted by experts in the insurance industry, each episode explores a different facet of private flood insurance, shedding light on the following key topics:Understanding Flood Risk: We'll delve into the science of floods, floodplain mapping, and how to assess your property's risk accurately.Federal vs. Private Insurance: Learn about the key differences between the National Flood Insurance Program (NFIP) and private flood insurance, and why private coverage might be the right choice for you.Policy Options and Coverage: Discover the various policy options available in the private market, including building and contents coverage, excess flood insurance, and more.Cost and Affordability: We'll break down the cost factors involved in private flood insurance and offer tips on finding affordable coverage that meets your needs.Claims Process: Gain insights into how the claims process works with private flood insurance providers and what you can do to ensure a smooth claims experience.Regulatory Landscape: Stay up-to-date with the latest changes and regulations affecting private flood insurance, ensuring you're always informed and compliant.Expert Interviews: Hear from industry experts, insurance agents, and homeowners who have firsthand experience with private flood insurance. Their stories and advice can help you make informed decisions.Whether you're a homeowner, renter, real estate professional, or insurance agent, this podcast equips you with the knowledge and tools you need to navigate the waters of private flood insurance confidently. Join us as we dive into this essential topic, ensuring you have the protection you need when disaster strikes.Ready to start a quote start here Visit the flood learning center here

In this episode of the podcast we are comparing Neptune private flood insurance versus federal flood insurance also known as the national flood insurance programWe looking at the following thingsCoveragesPricingWait PeriodsClaimsIf you want to learn more about flood insurance you can visit the learning centers hereYou can start the process of getting a flood quote by clicking here

In this episode of the podcast we are looking at 3 ways to lower your mortgage payment. We look at the following areasHomeowners insuranceFlood insuranceTax billsWe look at strategies in each of these 3 areas.If you are ready to purchase flood insurance you can click hereIf you want to learn more about your flood risk click here

Being a first time home buyer can be scary. Navigating the waters of homeownership needs the guidance of an expert. In this podcast we look at 3 mistakes first time home buyers makeWe look atFlood Risk ScoringFlood Loss HistoryFlood Insurance PricingI wish i would have known about these mistakes when i bought a home in a flood zone more than 12 years ago. It is why I have been helping property owners avoid these mistakes the last 12 years.You can check the flood risk score of your property by clicking hereYou can get a flood insurance policy on your property by clicking here

New York was recently devastated by flooding. In this podcast we look at what happened. We look at how New York homeowners can protect themselves from financial ruin and what future weather events may mean for New York Homeowners.Ready to get flood insurance click hereVisit Yourtube channel here

In this episode we are discussing the pending government shutdown for Septemeber 30, 2023.Government shutdown could delay your home closing or flood insurance. This podcast walks you through exactly what to do to get closed on your dream home in time. What you could potentially lose by not following these steps. So listen to the podcast, get that flood insurance in place, and get back to living life.Ready to get flood insurance click hereVisit thee Youtube channel here

In this episode of the podcast we are discussing is flood insurance expensive in FloridaWe look at the national flood insurance program and private flood insurance.We look at what has changed since risk rating 2.0 went into place in 2021 and what has changed on the private flood insurance side since Hurricane Ian.Ready to purchase flood insurance? 3 easy steps Start by clicking here

In this podcast, we are discussing if flood insurance is required in FloridaWe look at a few thingsFlood ZonesFlood Zone a and Flood Zone VMortgage RequirementsDisaster Assistance RequirementsIf flood insurance is not required do you still need itWe look at how to get flood insurance when FEMA does not offer it.Ready to purchase flood insurance? 3 east steps start by clicking hereWant to learn more about what is flood insurance? Click here

In this episode of the podcast we are discussing if private flood insurance is a good choice for multifamily investment properties.We look at coverages, pricing, claims, and policy forms.Ready to get flood insurance on your multi family investment property click here

In this episode of the podcast we are discussing th number 1 mistake we see multi family investors make everyday.That is not checking the flood zone and flood risks on a property.This two things could cost you thousands if you are not careful.Check them here

In this episode of the podcast we are discussing how to purchase flood insurance on multi family investment properties in Chattanooga TN.We look at the flood insurance optionsNational Flood Insurance ProgramPrivate flood insuranceWe look at coverages availableBuilding coverageBusiness property coverageBusiness interruption coverageWe look at the difference in. pricing today and years down the road. We also look at how to increase profit per door by potentially changing flood zonesReady to purchase multi family investor flood insurance click here

In this episode of the podcast we are answering the question can FEMA require me to elevate my property?We look at two specific types of propertiesSubstantially damaged propertiesSubstantially improved  propertiesVisit the flood learning center hereReady to get flood insurance click here

In this episode of the podcast we are speaking to multi family investors and people who may work with multi family investors.We are addressing 3 questions for properties in flood zone AIs flood insurance going to be requiredIs flood insurance going to be expensiveCan the flood zone be changedIf you want to learn more about these three issues visit the learning center hereIf you are ready to start the journey of purchasing flood insurance click here

In this episode of the podcast we are discussing 5 things multi family investors must know when it comes to flood insuranceWhat coverage is neededHow do improvements impact flood insuranceWhat are the flood insurance optionsWhat are the exclusionsWhat are the bank requirementsReady to get the multi family investor flood insurance in place click hereVisit the flood learning center click  here

In this episode of the podcast, we look at why commercial flood insurance rates are increasing and what can you do about it?We look at Climate changeInfrastructure costInsurance regulationsIncreased development in high-risk areasWhat can you do about it?Mitigation measuresShop around for flood insurance Know the flood riskIf you are ready to take the steps to solve the flood insurance problem click here

In this episode, we look at the insurance market crashing. What do you need to know as an insurance agent and conumerHow will this impact flood insurance?

In today's podcast we are discussing what is the better flood insurance solution for you?Is it the National Flood Insurance Program or Private Flood InsuranceAre you looking for more than $250,000 in building coverageHave you had flood claimsLooking for replacement cost on contentsLooking for limited rate increaseslooking for best overall pricingThis five questions will lead you to the best solution for your situation

In this podcast we are looking at three common problems people have with flood insurance and how to solve them.We look atWhy bank will not accept flood policyHow deductibles workWhat does policy cover

In this episode of The Flood Insurance Guru podcast, we look at the role insurance plays in avoiding financial devastation.We look at major events in which insurance has played a role. We look at other countries' insurance systems compared to the United States and what we can learn.Ready to get a flood insurance quote click here

In this episode of the podcast, we look at the claims variable with the National Flood Insurance Program. We look at how this can benefit property owners, real estate agents, lenders, and insurance agents.You can find the video and blog in our learning center by clicking hereReady to purchase the right flood insurance coverage click here

In this episode of The Flood Insurance Guru podcast, we are discussing what does flood insurance cover? and what is defined as a flood.?If you are ready to take the next steps to purchase the right flood insurance coverage then click hereOrder elevation certificates hereFind your flood risk here

In this episode of the podcast we are discussing if snow melt damage is covered by flood insurance.We look at the following thingsWhat is a flood?What is ground water?What is surface water?Resources for flood education

In this episode of the podcast, we are discussing flood insurance and profitability on investment properties. We are looking at how to minimize the cost of flood insurance, how to use it to keep revenue coming in, the different flood insurance options, and flood zone changes.

There have been alot of changes with flood insurance recently. One of these changes is FHA accepting private flood insurance.How could this impact your buying power on a home?That is exactly what we discuss in this podcastWe look at the power of private flood insuranceReady to get the right flood insurance coverage? click hereVisit the flood learning center here. 

It's episode 400 and we look at how the flood world has changed since episode 1.We look at how flooding has changedWe look at how flood insurance underwriting has changedWe look at how flood insurance options have changedWhat does the flood world look like going forwardRead to take the next steps to get the right flood insurance? click here

FHA recently started accepting private flood insurance in Alabama. Does this mean affordable flood insurance is coming to Alabama?We look at that in this podcast and some relaxing of state laws to help bring more private flood insurance to Alabama.Ready to get the right flood insurance? click here

Is the National Flood Insurance Program going out of business? Thats exactly what we are discussing today. We are looking at two major changes in the last two yearsRisk rating 2.0FHA accepting private flood insuranceCould these two changes be the final blow to the National Flood Insurance Program?If you are ready to purchase flood insurance the right way click here

In this episode of the podcast, we are looking at how FHA accepting private flood insurance could impact coverage requirements,We look at the current coverage requirements and how those requirements could change.Ready to take the next steps to get the right flood insurance coverage? Click here 

Today i tell you about my experience of buying a house in a flood zone.I talk about things like private flood insurance, national flood insurance program, policy assumptions, and flood zone changes.I look at lessons learned 10 years ago.

Effective 12/21/20225 FHA will accept private flood insurance. In this podcast, we talk about some stipulations and things you need to pay attention to.We talk about non-participating communitiesWe talk about flood insurance coverageReady to take the next steps to get the right flood coverage click here

In this podcast we are looking at hurricane Ian lessons learnedWe look at 3 lessonsNeed for flood insurance and understanding flood risksImportance of understanding flood insurance policiesResources for financial recoveryReady to take the next steps to get the right flood insurance coverage? Click hereVisit the flood learning center here

In this podcast, we are discussing excess flood insurance. We are looking at the dangers of not having excess flood insurance.We look at how claims could impact the different optionsWe look at SBA disaster loansVisit the flood learning center here to get all your flood insurance questions answeredReady to get the right flood insurance coverage? Click here to start the process

It's midterm election time and we are looking t who should get your vote. Is it the National Flood Insurance Program or private flood Insurance?We look coverages availableWe look at risk rating 2.0Policies being non renewedClaims processReady to take the next steps to get the right flood insurance click hereYou can also visit the flood learning center here

Captive and Independent insurance agents can live in different worlds. Today we look at 5 things captive insurance agents need to know about flood insurance.We look at what is a captive insurance agent?What flood insurance options are available?Replacement cost and actual cash valueDeductiblesHow do claims impact flood insurance rates?Ready to take the next steps to purchase the right flood insurance click hereWant to learn more about flood insurance visit The Flood Learning Center by clicking here

In today's podcast, we are discussing the new water endorsement or surface water endorsement. We are looking at if this endorsement replaces flood insurance.We look at the difference in coverages between this endorsement and flood insurance policies.We look at how policy language is written for both of these.We even look at the pricing difference. between these two products.Ready to take the next steps to get the right flood insurance? Click hereYou can also get all your flood insurance questions answered by visiting the flood learning center.

In this episode of the podcast, we are talking about friction when changing flood insurance agents.We look at the smoothest way to change flood insurance agents.We are discussing agent of record changes, rewritten flood policies, and new flood insurance policies.Ready to experience flood differently?Click below to get a quoteGet a QuoteFlood Learning Center

In this episode of the flood insurance guru podcast we take a look at the Birmingham Alabama flood event from 2021.We look at the followingHow have things in Birmingham Al changed since the flood eventAre more flood insurance policies being purchasedAre people better understanding the risksWhat are the flood insurance options in Birmingham AlabamaWant to get your flood questions answered? Visit the flood learning center hereReady to get the right flood insurance? Click here to get your quote

In this episode of the podcast, we are looking at risk rating 2.0 one year laterWe look at ratings with the National Flood Insurance ProgramWe look at the number of policies with the National Flood Insurance ProgramWe look at risk rating 2.0 impact on hurricane Ian victimsLooking to get your flood insurance questions answered? Visit the flood learning center hereWant to discover the right flood insurance click here to get your quote

In this podcast, we discuss the question is the flood insurance industry crashing?We look at the National Flood Insurance ProgramWe look at private flood insuranceWe look at recent flood disastersGet a quote on flood insurance

In this episode of The Flood Insurance Guru podcast, we are discussing the problem with flood maps in 2022.We look at what flood maps were designed to doWe look at the problem flood maps are not addressing in 2022We talk about the difference between flood maps and flood risksIf you want to know what the flood risk of a property is then click here.

In this episode of The Flood Insurance Guru podcast we are discussing the 1000 year flood event.We look at what is the 1000-year flood event?We look at how to protect your family financially from the 1000 flood event?What are misconceptions about the 1000 year flood event?Make sure to visit The Flood Learning Center

In this episode of the podcast, we revisit hurricane Harvey 5 years later. We look at the impact on property owners and private flood insurance.