Buying a Home?

1. What’s your exposure? Even inland properties can be located in higher risk flood zones. Know the zone and history of any flood claims.
2. Know your requirements. If you’re buying a property in a high risk zone, flood coverage will be required by a lender and may be required by your homeowners insurer.
3. Are you buying a fixer-upper or looking for move-in ready? Have you considered any flood proofing that may need to be done?

Selling Your Home?

1. Have you reviewed your insurance program? Unlike homeowners policies, flood policies CAN be transferred to a new owner.
   Gather your policy documents and make sure they’ve been recently reviewed by a professional.
2. Don’t have an elevation certificate? If you’re in a high risk flood zone, a buyer will be looking for an elevation certificate to price flood and homeowners coverage.
3. Did you complete flood mitigation work? Raising mechanicals, adding flood vents, and other improvements to make your home more flood ready can attract more potential buyers.

_{*actual premium may vary based on individual flood risk and underwriting}