Please check your policy and visit your carriers website for more information regarding COVID-19 Refund Programs.

Helping To Keep Your Flood Insurance Policy

April 29, 2020

Helping You Keep Your Flood Insurance Protection

The Federal Emergency Management Agency (FEMA) extended the grace period to renew a National Flood Insurance Program (NFIP) flood insurance policy from 30 days to 120 days, in response to COVID-19. This extension provides additional peace of mind as we approach hurricane season and summer flood season.

Qualifying Policies: Effective for policies with expiration dates between February 13, 2020 to June 15, 2020.

Extension of Underpayment Grace Period: If you receive an underpayment notice dated between February 13, 2020 and June 15, 2020, the additional premium amount requested must be received within 120 days of the notice date.

Filing a Claim: If a loss occurs and your expired policy is within the grace period:

• Premium payment will be accepted for the full amount.

• Your policy will be renewed without a lapse.

• Your claim will then be filed Rest assured; we have this handled for you. We can respond efficiently to apply these changes for you in both our technology and service processes.

Flood Loss and Filing a Claim

If you experienced flooding and have an expired National Flood Insurance Program (NFIP) flood insurance policy with an expiration date between February 13, 2020 and June 15, 2020, here are three steps for filing a flood claim:
1. Connect with your agent.

2. Pay the total amount due on your flood insurance policy. You will be presented with the amount due to renew your policy without a lapse in coverage. Upon receipt of payment, your policy will be renewed.

3. File your flood claim. You will now be able to file your flood claim on your active flood policy with our flood insurance claims specialist.

Please call AWA if you have any more questions at (239) 418-1100.