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Flood Insurance Coverage FAQs

What are the different ways that flood insurance can be purchased? The most common are listed below with corresponding information regarding how it’s regulated. 

  • Some Commercial property contracts which include coverage for flood are underwritten by licensed insurers in the State of Florida. In this case, the policy falls within the jurisdiction of the Department of Financial Services unless the contract is issued by a Surplus Lines Carrier. Insureds needing assistance with a policy issued according to this paragraph, should call us at 1-877-693-5236.

  • A Mobile Home Package policy normally includes coverage for flood. If so, the coverage is underwritten by the same carrier as the other coverage and claims will be handled by that carrier or a person so designated. In this case, the policy falls within the jurisdiction of the Department of Financial Services and requests for assistance should be directed to us at 1-877-693-5236.

  • Other residential and commercial flood policies are issued by the National Flood Insurance Program (NFIP), either directly or through a Write Your Own Carrier. The Write Your Own carriers are licensed in the State of Florida. However, the policies fall within the jurisdiction of the National Flood Insurance Program. The Write Your Own carrier must follow all guidelines of the NFIP relating to all coverage, underwriting, premiums and claims. You can report your claim to the agent you secured your policy with. You can contact the NFIP at (888) 379-9531 or visit NFIP’S Direct Servicing Agent to report a claim. You can get answers to general inquiries about flood insurance by calling the NFIP Help Center at 1-800-427-4661, contact Ask the Expert by email at floodsmart@fema.dhs.gov, and after using the above resources or others available to you (i.e. insurance agent, insurance company, etc.), you still need help and answers, please email the Office of the Flood Insurance Advocate (OFIA) at Insurance-Advocate@fema.dhs.gov


The questions and answers given below apply specifically to policies falling within the jurisdiction of the NFIP.

If you have additional questions that need to be added to this list or if you find any errors, please send them to the Division of Consumer Services, Bureau of Insurance Assistance, 200 East Gaines Street, Tallahassee, Florida 32399-4212.

Below are some frequently asked questions with answers.