Homeowner Insurance Personal

FEMA Recognizes Escambia County

The Federal Emergency Management Agency (FEMA) presented Escambia County with a plaque in recognition of the County’s participation and success in the National Flood Insurance Program Community Rating System (CRS). The recognition was a result of the County’s commitment and efforts to reduce loss of lives and property damage caused by flooding, restore environmental functions of floodplains, and hold development standards that exceed minimum requirements.

The County’s current rating is a class 6 and depending on current flood insurance, a citizen could be eligible for up to a 20 percent discount.

National Flood Insurance Program (NFIP) policies issued on or after May 1, 2011, in special flood hazard areas qualify for a 20 percent premium discount. Standard rated flood insurance policies in zones B, C, X, D, AR and A99 are limited to a 10 percent CRS discount. Preferred risk policies in zones B, C and X are not eligible for a discount.

Homeowners should contact their insurance provider to find out what zone they live in and if they qualify for the discount. Premium reductions are subject to change.

The Department of Homeland Security, Federal Emergency Management Agency uses the CRS as part of the NFIP to evaluate floodplain management activities designed to minimize flood risk and provide public education. Escambia County is evaluated every five years.

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Will my homeowner's insurance cover this damage?

It will, however now you have to determine whether the value of the damage: a) exceeds your deductible and b) is enough above your deductible to warrant a claim. Keep in mind if you have a claims free discount you will lose this (unless your company offers some sort of protection of your discount), so you will have to add the additional premium you would be paying when deciding whether placing a claim is worth it.

RT @: What is personal property insurance on a homeowner insurance policy?. #insurance

What is personal property insurance on a homeowner insurance policy?. #insurance

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