A: No. Federal disaster assistance offers loans to help cover flood damage, not compensation for your losses.

Q: Why do some qualify while others don't?

A: If your property is located in a Special Hazard Area (A or V Zones), your mortgage lender requires you to have flood insurance. (You will not qualify for the Preferred Risk Policy)


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Q: When will my policy take effect?

A: It takes 30 days after purchase for a policy to take effect, so it's important to buy insurance before the floodwaters start to rise.

Q: Is the coverage guaranteed?

A: Yes, the NFIP is a FEMA sponsored program backed by the Congress and the Federal Government.

Q: How do I file a claim?

A: You can call 1-800-820-3242 24 hours a day to file a claim.

Q: I live in a low-risk flood zone. Do I really need flood insurance?

A: Yes. It's a good idea to buy flood insurance even if you live in a low or moderate risk area. Almost 25 percent of all flood insurance claims come from areas with minimal flood risk.

Q: Can I purchase other types of coverage from this site?

A: We specialize in flood insurance but our affiliate (ItalianoInsurance) can provide you with information and quotes on other lines of coverage.

Q: What are the coverage limits of a Standard Flood policy?

A: The maximum coverage on a standard flood policy is:

Single-family home structure*$250,000
Single-family home contents*$100,000

Business structure**$500,000
Business contents**$500,000

Renter contents**$100,000

Q: What can a flood policy cover?

A: *Flood debris cleanup
*Structural damage (walls, stairways, ceiling, floors)
*Household appliances damaged by floodwater. (refrigerators, air conditioners, heatpumps,
*circuit breaker boxes, washers/dryers)
*Wall to wall carpeting, tile and other flooring surfaces.

Q: What can contents coverage include?

A: * Furniture (beds, couches, dressers, entertainment centers, tables)
* Collectables, artwork, knickknacks
* Clothing, shoes, accessories, jewelry

Q: Why is my friend's rate higher than mine?

A: Lots of factors determine flood insurance rates.

These include:

* flood zone
* amount of coverage
* location of structure
* age and design of structure
* building occupancy
* structure elevation if located in a Special Flood Hazard Area

Q. Why Flood Insurance from Fidelity National Property and Casualty Insurance Company?

A. Fidelity National Property and Casualty Company is the industry's largest provider of flood insurance.

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