1. FGCAR Beating Flood Insurance By Brad Hubbard, PE ~ CEO
Welcome – my name is
This is our residential home webinar, we also have a commercial property webinar we will be doing in the next week or so.
Copyright © 2015 National Food Experts. All right reserved.

2. National Flood Experts
About us
Licensed Engineer
Licensed Insurance Agent
Let me tell you a little about myself and why I started National Flood Experts.
I am a licensed professional engineer and a licensed insurance agent.
While in engineering, I spent most of my time in site development….which is design and permitting of construction sites. In doing this, I did a lot of Flood plain compensation and mitigation. Which basically means, any time you are doing construction in a flood zone there are a lot of rules you have to follow in order to get your permits. And as an engineer, you don’t just follow the rules, you have to understand the rules. So during this time, I developed a good knowledge of FEMA’s system.
When I got into insurance, the areas that I was writing was about 25-35% flood zone. So I wrote a lot of flood insurance policies.

3. How FEMA decides who is in the flood zone. Flood Insurance Basics.
Presentation
What we will cover
How FEMA decides who is in the flood zone.
Flood Insurance Basics.
What can we do about it?

4. How does this work ?
FEMA’s method
FEMA takes historical rainfall data and uses the 100 year storm to create a computer model.

5. How does this work ? FIRM MAP So, does anyone know what this is?
This is a Flood Insurance Rate Map, or a FIRM Map
The Area in Blue is the Special Flood Hazard Area more commonly referred to as the flood zone.
Now here is the problem. FEMA creates these massive models, encompassing the entire Country. They look at how water will react over a large area and draw these maps. They do not look at individual properties. There are hundreds of millions of properties and structures throughout the Country, it would be impossible for FEMA to model each and every one.

6. Effects of Flood Insurance
ACCORDING
to Realtor.org, for every $500 in flood insurance premium, the value of your home decreases by $10,000!!!!!
So how do we quantify this?
According to…..
Wow. Think about that. If you’re paying $1000 in flood insurance, your home is worth $20,000 less than your neighbor who already used our services.

7. How to save money on Flood Insurance!
What can we do about it
How to save money on Flood Insurance!
Elevation Certificate
Grandfathering
Flood Venting
Flood Proofing
Bring in Fill
Rezone your property
So how do we quantify this?
According to…..
Wow. Think about that. If you’re paying $1000 in flood insurance, your home is worth $20,000 less than your neighbor who already used our services.

8. How does this work ? Individual Risk Analysis
That’s where we come in. We review your specific properties risk. We don’t go zip code by zip code, we go owner by owner.
And when we have our information, we petition FEMA and show them that based on all of this information we have here…..this structure actually has a very low risk of ever flooding. FEMA reviews it and says, yep you are right. We agree, here is a letter stating that your structure is NOT in the flood zone.
What our job is, is to prove to FEMA that your business is not at risk.

9. 50% of the properties we review qualify to be removed from the SFHA!!
Who Qualifies?
50% of the properties we review qualify
to be removed from the SFHA!!
We’re not talking about just a few people, this isn’t a 1 person in 10 qualifies. We are talking about 60%
So that means if you are currently paying for flood insurance at your home, there is literally a 60% chance we can get you taken out of the SFHA and you will NEVER have to pay flood insurance again!!!

10. INCREASE the value of your home Why do this?
The 2nd reason to do this, is to increase the value and marketability of your home.
We will quantify this in a minute, but think about it. How much easier will it be to sell your home when you tell the buyer that this home was removed from the flood zone and your lender will not require you to purchase flood insurance.
Better yet, talk to a realtor who has lost a deal on flood insurance, or a seller who had to drop the sales price due to rising flood insurance costs.

11. That’s a 7920% return over 13 years!!!
Average Home Benefit
Before NFE
After NFE
- $200,000 Home
- Paying $1600/year for flood ins
- Wants to sell in 13 years.
- Paid $20,800 in flood insurance
- Sold home for $200,000
- $200,000 Home
- Paying $400/year for flood ins
- Wants to sell in 13 years.
- Paid $500 for NFE’s services
- Sold home for $224,000
Lets take a look at some examples and really quantify the benefit and value that National Flood Experts provide.
The average length of time someone owns their home is 13 years.
We have to ignore the market here because we can’t predict that, so lets say in 13 years they sell for what they paid, $200,000.
$500 investment returns $39,600.
That’s a 7920% return over 13 years!!!

12. Jeff Talbot – Insula Companies
Client Testimonial
“National Flood Experts delivered one-of-a-kind results, as promised, and in a timeframe that far exceeded our expectations.  So we’ve already signed them up for a 3rd time”
Jeff Talbot – Insula Companies
I wanted to use this testimonial, because he chose to keep flood insurance.
I want to point out, that even if you want to keep flood insurance on your home, there is still tremendous value in our services.

13. Zach O. – Avesta Communities LLC
Client Testimonial
“National Flood Experts has had rapid success getting our properties in two different states, Texas and Florida, removed from flood zones. His work has saved us tens of thousands of dollars, and we look forward to working with him in the future.”
Zach O. – Avesta Communities LLC
I wanted to use this testimonial, because he chose to keep flood insurance.
I want to point out, that even if you want to keep flood insurance on your home, there is still tremendous value in our services.

14. Simple Review
We review your property for free. We just need a copy of your elevation certificate.
We will get back in touch with you within 24 hours with the results
Now, once you are prepared to take the next step, log onto our website and we will review your property for free.
Upload a copy of your elevation certificate, and we’ll get back in touch with you usually within 1 hour.

15. No Risk ! 100% Money Back Guarantee
If National Flood Experts cannot remove your property from the FEMA SFHA we will 100% completely refund your National Flood Expert Service Fee.
That's right our service is backed by a 100% performance Guarantee. - - -
Brad, well what happens if you are unable to get our buildings removed from the flood zone?
It’s simple, we refund our entire fee. If we can’t get you taken out of the SFHA, we refund you.
Our review is free, and our service is guaranteed. We want to remove any doubts or hesitations you may have.

16. Join our mailing list! Text – FLOOD to 22828
National Flood Expert
Summary
Join our mailing list!
Text – FLOOD to 22828
Receive monthly newsletters with changes to flood insurance, tips and tools to buy sell and SAVE in flood zones
Just an overview of our services real quick

17. Questions Thank you for attending. Any questions???