Are you filing a claim for a flood loss? FEMA requires that the homeowner policy reject coverage PRIOR TO the flood policy providing coverage…

What does that mean?  It means that even though the homeowner policy provides no coverage, the homeowner is still required to process a homeowner policy claim and be denied coverage.  After the homeowner policy denies coverage, THEN the flood policy will pay.

Good news: The Georgia Insurance Commissioner directive mandates that insurance companies do not position this type of claim to adversely affect the homeowner policy.   Many times, an insurance company will provide “claim free” discounts.  Making a homeowner claim for FEMA requirements KNOWING there is no coverage on the homeowner policy is not to have a negative impact to the homeowner policy.

Flood insurance is added security for the Flood related claim.  Make sure you understand what flood insurance coverage.  The term FLOOD is defined differently among the logic and the government view.

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