You can call and insurance agent, but they can only give you an estimate, nothing set in stone.
The best thing that you can, when you find a home, if you are in a flood zone, ask the seller a certificate of elevation, if the do not have one, I would make this a provision of the contract. They cost around $200. I would also add in a contract, that the purchase of the home is based on your insurance prices, and you should get those costs down with in your inspection period.
Right now, the National Association of Realtors are working very hard to get the flood insurance issues that have come lately fixed. The NAR our representatives for Realtors and there are a few of us around and our voices are loud and the Government is listening to our issues.
Punta Gorda is a lovely area to live in, nice area that you have picked.
Thank you for you question.
Please call or email me if you have any other questions.
Pamela Civitillo, Realtor
Becky Borci Realty, LLC.
through a property insurance agent. If the property is located in a flood plain, flood insurance is required when you obtain a mortgage. Flood insurance is available on homes, condos, and mobile homes and most enclosed buildings. Most insurance agencies can give you an estimate but not an accurate rate without knowing the elevation and will require an elevation certificate if it is in a flood zone.
Here is the link to the Flood Smart site. http://www.floodsmart.gov/floodsmart/
This will give you information on the National Flood Insurance Program, flooding and flood risks,
residential coverage, FAQâ€™s, flood facts and more.
You can go to my web page at http://www.tammyhayes.remaxagent.com/homeowner-insurance.aspx which will give you some insurance agencies to contact. If I can help with anything or answer any other questions, please contact me.
Tammy Hayes, Realtor
Re/Max Palm Realty
Vicki Biehl, Realtor
Century 21 Aztec & Associates
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