
Here to Help You Save Money
THE #1 FLOOD RISK MANAGEMENT SPECIALISTS
SERVING SINGLE-FAMILY HOMEOWNERS, COMMERCIAL & MULTIFAMILY REAL ESTATE OWNERS/OPERATORS, LENDERS, INSURANCE AGENTS & BROKERS
ARE YOU REQUIRED TO PURCHASE NFIP FLOOD COVERAGE?
MAYBE YOU SHOULDN’T BE!
An expert opinion may indicate that your high-risk flood zone is wrong, that the National Flood Insurance Program (NFIP) requirement is not justified, and that the property qualifies for reclassification into a low-moderate risk flood zone.
If your premium is too high, it pays to verify!
We’re here to help commercial and residential property owners navigate the complex process of correcting erroneous high-risk flood zone designations. We specialize in the evaluation of structures in Special Flood Hazard Areas and work with FEMA, along with professionals in insurance, risk management, real estate, and lending on behalf of property owners across the United States.
More than 70% of properties reviewed by Flood Insurance Solutions qualified for reclassification into a low-moderate risk flood zone, allowing the owners to add more than $140 million in real estate value and to recapture more than $10 million in flood insurance savings.
Effective Strategies to
Manage Risk and the Cost of Coverage
FLOOD RISK EVALUATION
The first step to determine eligibility for reclassification into a low-moderate risk flood zone, where flood insurance is not required.
FLOOD ZONE RECLASSIFICATION
A complex process of petitioning FEMA to place a structure into a low-moderate risk flood zone based on property characteristics and other factors not indicated on a FIRM (Flood Insurance Rate Map), commonly referred to as a flood map.
ELEVATION CERTIFICATES
To thoroughly evaluate flood risk and accurately rate a flood insurance policy, you need an elevation certificate free of errors and omissions.
PREMIUM REDUCTION
A program that identifies legally available credits, rate options, and significantly increases the value of real estate holdings by reducing annual flood insurance costs.
WE’RE HERE TO WORK WITH YOU!
Success in Managing Flood Risk
We measure client success by the value we add, the savings we generate,
and the company we keep:
- Single-family Homeowners
- Commercial Property Owners & Operators (office, retail, industrial, mixed-use)
- Multifamily Owners & Operators
- Hotels & Resorts
- Property Developers
- Real Estate Investment Trusts (REITs)
- Realtors
- Insurance and Risk Management Agents and Brokers
- Asset Managers
- Condominium Associations
What we can do for you?
Our client list speaks for itself. In addition to single-family homeowners, here is a partial list of current and past clients who put their trust in Flood Insurance Solutions for reputable, reliable, and ethical services.







FAQs
The imposition of mandatory flood coverage is not fair and more than 50 percent of high-risk flood zone designations are wrong! A standard flood zone determination merely notes a property’s location on FEMA’s Flood Insurance Rate Map (FIRM) and fails to identify characteristics unique to individual structures. Many of these maps are outdated. Further, elevation certificate errors and omissions misrepresent a property’s actual flood risk and cause an insurance agent to incorrectly rate the flood policy.
Not a penny! Flood Insurance Solutions believes that every property owner has a right to know the true flood risk of their home or building. As a public service, we provide this comprehensive evaluation free of charge with no obligation.
To evaluate your property, submit the online property information form, then email or fax your flood insurance declarations page and elevation certificate.
The cost of an elevation certificate varies by property location and type. Flood Insurance Solutions has a national network of licensed land surveyors and engineers which allows for fair and competitive pricing. Obtain a no-obligation quote here.
With your approval, Flood Insurance Solutions will petition FEMA to reclassify the property into a low to moderate-risk flood zone. Upon acceptance of our findings, FEMA will issue a Letter of Map Amendment (LOMA) to remove the property from the Special Flood Hazard Area (SFHA).
For single-family properties, a one-time flat fee of $350; for commercial properties, a one-time flat fee equal to the property’s annual insurance premium or amount of premium reduction, whichever is applicable. All fees are contingency based, meaning, you only pay if we’re successful in removing the property from a high-risk flood zone or reducing the premium.
Flood zone reclassification is a complex process that can take three months to a year to complete. It is best to evaluate a property at least a year prior to the flood insurance policy renewal date.
Upon receipt of a waiver of the flood insurance requirement from your lender, you can cancel your flood insurance policy and receive a full or pro-rated refund of the premium. You may also choose to obtain a Preferred Risk Policy, which offers coverage at a lower cost. Commercial property owners should inquire whether coverage is available under a master property insurance program.
We’re Here to Work with You!
PH: 1 (561) 922-9735
Fax: 1-866-427-2272
100 E. Linton Blvd., Suite 402B
Delray Beach, FL 33483
Email: [email protected]
Email: [email protected]