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Flood Insurance

Frequently Asked Questions

Q: Why did I receive a change notice on my flood policy but I can see no change or impact on my premium?

A: Did you receive a revised declaration page and you don't know why?

Check for the message "Clear Communications Non-Premium Change" on the bottom of the declaration page - this is part of the NFIP requirement for all Write Your Own Companies (WYOs) to update the mapping information if the insured's flood map has changed since the inception of the policy.

In some cases there may have been a flood map change, but the change did not impact their premium. (Examples: flood zone changed from A02 to AE, or map panel changed but the flood zone or BFE did not, or the map suffix changed, etc...). NFIP requires all WYOs to update any mapping information and report those changes to the NFIP to ensure that you are receiving the most beneficial rating.

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DRickard Insurance

607-843-8860

insurance@drickardinsurance.com