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Started By
Message
Anyone else sign up for Flood Insurance today?
Posted on 8/15/16 at 4:36 pm
Posted on 8/15/16 at 4:36 pm
Emailed my insurance agent this morning and paid my flood insurance after having cancelled it 2 years ago because a flood would "never" happen in my area.
I got a very good scare this weekend, and luckily didn't flood. My home is near the corner of Goodwood and Marlbrook in Sherwood Forest and the water steadily rose about 3 feet in the street (which didn't come close to touching the elevated homes in that area, but was enough to have me very worried).
Just for my peace of mind, I will never not have flood insurance now living in SE Louisiana.
I got a very good scare this weekend, and luckily didn't flood. My home is near the corner of Goodwood and Marlbrook in Sherwood Forest and the water steadily rose about 3 feet in the street (which didn't come close to touching the elevated homes in that area, but was enough to have me very worried).
Just for my peace of mind, I will never not have flood insurance now living in SE Louisiana.
15
Posted on 8/15/16 at 4:38 pm to LSUZombie
I didn't have it. No one can shame me more than I have myself for the past 3 days... Horrible feeling. I suck. 
Posted on 8/15/16 at 4:39 pm to LSUZombie
YOU REALIZE THERE IS A 30 DAY WAITING PERIOD, BEFORE THE POLICY GOES IN TO EFFECT
Posted on 8/15/16 at 4:39 pm to LSUZombie
and remember it is a 30 day wait on flood if you purchase it at a time other than your closing on the home
Do not wait until the next storm is approaching to attempt to buy
Do not wait until the next storm is approaching to attempt to buy
Posted on 8/15/16 at 4:40 pm to LSUZombie
My parents did not flood but were told they can not sign up until after hurricane season, december 1st.
Posted on 8/15/16 at 4:41 pm to ThePoo
quote:
and remember it is a 30 day wait on flood if you purchase it at a time other than your closing on the home
Do not wait until the next storm is approaching to attempt to buy
Unless it is needed by the mortgage company.
Posted on 8/15/16 at 4:42 pm to LSUZombie
Dumb question, but do all insurance agents give flood insurance? I thought only some can. I am worried if I ask my insurance agent he may sell me something from another agent and take a commission.
This post was edited on 8/15/16 at 4:43 pm
Posted on 8/15/16 at 4:46 pm to jazzybee
quote:
Dumb question, but do all insurance agents give flood insurance? I thought only some can. I am worried if I ask my insurance agent he may sell me something from another agent and take a commission.
It's all through the NFIP (national flood insurance program) and administered by FEMA.
Your insurance agent can def provide you coverage. If not, look for another agent.
Posted on 8/15/16 at 4:46 pm to BamaCoaster
thus the second half of my remark
mortgage is going to require you to have flood, the 30 day wait can be waived if purchased on the same day as the closing (which the mortgage co will require) if you are in a required zone,
however, chances are if you are looking for flood coverage now and you are not buying home, you are in a non-required zone and the mortgage company does not require flood.......you will be waiting the 30 days
quote:
and remember it is a 30 day wait on flood if you purchase it at a time other than your closing on the home
mortgage is going to require you to have flood, the 30 day wait can be waived if purchased on the same day as the closing (which the mortgage co will require) if you are in a required zone,
however, chances are if you are looking for flood coverage now and you are not buying home, you are in a non-required zone and the mortgage company does not require flood.......you will be waiting the 30 days
This post was edited on 8/15/16 at 4:48 pm
Posted on 8/15/16 at 4:47 pm to ell_13
Is your family safe?
Did anyone get badly injured?
Did anyone get badly injured?
Posted on 8/15/16 at 4:47 pm to LSUZombie
I'm attempting to add flood insurance as we speak
Posted on 8/15/16 at 4:54 pm to LSUZombie
quote:me too. Natalbany River came within 50' of my backyard. My wife is 38 weeks pregnant and the helpless feeling I've had the last 2 days knowing that I've put my family at risk is gut wrenching.
got a very good scare this weekend
Posted on 8/15/16 at 5:07 pm to bigwheel
quote:
YOU REALIZE THERE IS A 30 DAY WAITING PERIOD, BEFORE THE POLICY GOES IN TO EFFECT
Of course I realize this. No reason to yell.
Posted on 8/15/16 at 5:08 pm to ell_13
quote:
No one can shame me more than I have myself for the past 3 days... Horrible feeling. I suck.
Felt the same way. My dad was the compassionate figure while I worried about my home. My mom let me have it.
Posted on 8/15/16 at 5:09 pm to LSUZombie
No but then again I'm not an idiot, I'm in a no flood zone and still have it.
This post was edited on 8/15/16 at 5:11 pm
Posted on 8/15/16 at 5:10 pm to ForeverLSU02
I did the same thing. I've marked 12:01 am, September 14th on my calendar (the minute it becomes active).
Posted on 8/15/16 at 5:15 pm to ell_13
Feel for ya ell...thoughts of support heading your way for sure. Sucks you guys have to go though this
Posted on 8/15/16 at 5:17 pm to LSUZombie
quote:
I will never not have flood insurance now living in SE Louisiana.
This should be the norm, it is relatively inexpensive if you do not live in a flood area.
Posted on 8/15/16 at 5:22 pm to ellishughtiger
Ellishughtiger, that's not true. You should call another agent. You can get flood insurance now subject to the 30 day wait. You do not have to wait until after hurricane season.
Posted on 8/15/16 at 5:24 pm to Buck Dancer
Maybe a stupid question, do I just call my normal homeowners agent and add it on or what?
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