Aliceville Reservoir Topics: FEMA got me
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Name:
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Rooster
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Subject:
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FEMA got me
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Date:
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4/30/2014 6:39:29 PM
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Sitting at home minding my own business and received letter from lender stating due to new FEMA map of lake martin I am now required to carry flood insurance. Ok, no big deal! Purchase it now and cancel as soon as I get a Certificate of Elevation and exemption which i know I qualify for because my next door neighbor did. Called a FEMA qualified insurance agency ( Allstate ) in Alex City and jumped thru a few hoops for them only to find out at the last moment they had to know what flood zone I was in previously. Finally found out I have been in a flood zone since purchase in 03. A hazard one at that. Go figure! That knocked me out of a preferred risk catagory, so these folks wanted to sell me a 50 k policy with a 5 k deductable for 630. Thank you very much, sorry I wasted your time and mine. Called my home owner's agency ( state farm ), was told I needed a COE before they would even talk to me. Told them that if I had that already, I wouldn't need the flood insurance. Finally, after 2 weeks of this crap, I called my lender and told them to go ahead and purchase the insurance for the balance of the mortgage. I will cancel as soon as I get the exemption. If my house floods, better hope there is room on the ARK for all of us.
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