Here are our top 10 tips by which you can save big in your flood insurance premium every year without risking your cover
If you don’t have an elevation certificate….get one!
If you have an elevation certificate, get a 2nd opinion.I have been able to save people thousands just by correcting errors on elevation certificates. Wrong Base Flood Elevations is usually the number 1 reason. If you can lower the BFE by 3 inches, that can save you thousands per year on your flood insurance
GrandfatheringIf the flood zone has ever changed for your property, you can get rated at the earlier flood zone rating. You have to prove a few things, but if your home was built and it was an AE 20’, and now it’s AE 22’, instead of paying rates at 22 feet, you can pay them at 20, this can save a ton of money in certain scenarios.
Flood VentingProper vents on your enclosure or garage can raise the level your structure is rated at and save you thousands!
Flood ProofingFlood proofing can cut your insurance premium by over 90% if you’re structure is commercial and built below base flood elevation!
Bring in FillThis is a last resort solution. Sometimes it can be more cost effective to raise the entire structure to save money on insurance premiums every year.
Free Flood Zone Audit