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Webb- He's kind of stuck with this company for the remainder of the year. He already has a policy in-force. Unfortunately due to FEMA rules he can not even go to another agent get a policy and cancel the old. 1 house, 1 policy. All he can hope to do at this point is find out what is causing the increased premium and correct it. I can tell you $340.00 doesn't seem correct unless the agent gave dmcummins a $5,000.00 deductible and even then it's a stretch. $2,100.00 also isn't correct for a house that presumably meets flood standards. So their is some information that was left out of the agents quote that caused a low premium and some other information (incorrect presumably) information being placed into the carriers quote causing a high premium.
I haven't gotten all the information I have asked for yet to determine exactly what his issue is. But, it seems to me so far we have two issues. 1. the hot water heater is to low for the base flood and 2. Improper flood ventilation. Correct those two things I bet we get a premium in the $500.00 range with a $1,000.00 deductible.
A930- As strange as it sounds the 446.9 should be the basement or crawl space. Per the original post his first living level would be 7' above that or something near 454'? and identified on the cert as "next higher floor". Around here foundation air vents like dmc has get by although they are incorrect. However, if the vent is closed at the time of inspection it is not counted. Which I suspect may be what has happened to dmc. The flood manual reads "flood waters must be able to flow through freely in both directions with out manual intervention."
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