Hurricane Season is Here

June 1 was the official start date to the 2021 Hurricane Season. Our FREE eBook, Everything You Always Wanted To Know About Flood Insurance* (*But Were Afraid To Ask), is here to help.

We’d like to make it rain with helpful tips with help from our friend Azul! You can also keep up with Azul (and CartoFront) on social media.

We’ve partnered with CartoFront with one goal: to simplify flood insurance -- from helping you quickly get a quote, to providing flood risk educational resources.

CartoFront is a technology services company with a goal of simplifying flood insurance by quickly providing  quotes and flood risk educational resources.

A flood can be caused by storms, hurricanes, snow, and water backup from inadequate drainage systems, dams, and levees.  For more information, take a look at our FREE eBook.

Flood insurance protects your property in the event of a flood or flood related disaster. It is IMPORTANT TO NOTE … Flood insurance is not included in homeowners insurance -- it is a separate insurance policy that must be purchased separately through a qualified insurance agent.  

For more information -- and ‘peace of mind’ -- you can download our eBook as a PDF.

How do I get a flood insurance quote?

• Free flood insurance quotes for any property
• Three ways to share each quote, sharable link, email or print a quote
• Licensed insurance agents available to answer any question

Many clients have asked about this important topic up when purchasing a new home: how do we prepare and protect ourselves from possible floods?  So, we have developed an easy to follow article with step by step suggestions.

Homeowners have a choice to purchase from the federal government (NFIP -- National Flood Insurance Program) or the emerging private insurance market.  The CartoFront platform offers both NFIP and private Beyond Floods insurance underwritten by National General Insurance, a subsidiary of Allstate, who is rated A- by AM Best.

On October 1, 2021 FEMA implemented new pricing for government flood insurance. Entitled Risk Rating 2.0, is certain to change how we view public flood insurance, and the options afforded us by private flood insurance. We’ve simplified what you need to know.

“CartoFront is FANTASTIC! Easy to understand and extremely useful. I wish I could have had a service like this when I was a listing agent so that I could have provided flood insurance quotes and flood risk education to my clients.”     

- Deborah, CartoFront user

Flood zones are geographic areas that FEMA has defined according to varying levels of flood risk.
It is increasingly important that we can "speak the language" of flood. 

FALSE. Flood insurance is not included in homeowners insurance, it is a separate insurance policy that must be purchased separately through a qualified insurance agent.

Our FREE eBook covers this, and many other flood insurance FAQs. 

• The physical structure and its foundation
• Electrical and plumbing systems
• Central air conditioning equipment, furnaces, water heaters
• Refrigerators, stoves, built-in appliances
• Permanently installed carpeting over unfinished flooring
• Permanently installed paneling, wallboard, bookcases, and cabinets
• Detached garages and/or buildings (separate Building Property Policy coverage required).
• Window blinds
• Debris removal

• Personal belongings (clothing, furniture, electronics)
• Portable air conditioners, portable microwaves, portable dishwashers
• Washers and dryers
• Food freezers and food in them
• Valuable items (such as artwork, up to a determined amount)
• Curtains

What does flood insurance NOT cover?

• Damage caused by moisture, mildew, or mold that could have been avoided by the property owner
• Currency, precious metals, and valuable papers such as stock certificates
• Property and belongings outside of an insured building such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs, and swimming pools
• Financial losses caused by business interruption or loss of use of insured property
• Living expenses such as temporary housing
• Landscape or exterior features 

Last year saw the busiest Hurricane Season in history, with 30 named storms -- 13 of which made landfall.  South Florida spent a total of 10 days in the pathway of major storms.  In this challenging landscape, it’s important to know the facts.

With the 2021 Hurricane Season, meteorologists are projecting a very active Atlantic Climate Pattern with projected 7-10 hurricanes.  Given that we’ve seen storms in May the last few years, let's prepare now for the Hurricane Season.  

When considering flood insurance options, you might have questions about what happens in the event of a claim. Here are two important definitions to know:

What is actual cash value (ACV)? 

Actual cash value is the replacement cost value minus depreciation for wear and tear of an item. Unless the home is your primary residence, contents will only be covered for their ACV.

What is replacement cash value (RCV)? 

Replacement cost value is the cost to repair or replace an insured property. If the property is your primary residence, both the building and contents will be covered for their RCV.

You’ve found listings that re your possible dream home, what’s next? Getting a free flood insurance quote! Sharing free flood insurance quotes with our clients is easy, here is how: 

• SHARE a direct link to the quote.
• EMAIL the quote.
• PRINT a PDF, and discuss in person.

With major changes to the government flood insurance program coming October 1, our sample messages will help us to help you achieve peace of mind while purchasing your dream home.

In just 30 minutes, we present information about Flood Risk and Flood Insurance, giving you confidence and  better understanding on such a complex subject. 

Follow us to stay up-to-date with news and educational resources on flood risk and flood insurance. Our social media pages are full with recent flood related news, flood risk and flood insurance education, and stay up to date with our friend, Azul! 

CartoFront is here to support you feel confident about flood insurance.

Let’s connect! Follow us on social media for all the latest flood tips from Azul.