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Joe Patrowsky has posted a very timely and important article written by Brian Collins about the Flood Insurance Bill. For the Jacksonville area in particular, this is great news that we will have Flood Insurance promised for the next 5 years.
A five year extension is great news and we can be sure that properties that need flood insurance to close, won’t be held up. If you recall a few years ago, we couldn’t close loans that required flood insurance, as the Congress allowed this legislation to expire.
I haven’t seen what the increase in premiums look like, but all rates are standardized, so it’s not like you can shop for a less expensive policy.
Congress Passes Flood Insurance Reforms, Raises Premiums
By: Brian Collins
Congress has passed a five-year extension of the National Flood Insurance Program along with substantial reforms that will raise premiums to improve the financial condition of the program.
Passage of the flood insurance bill by the House and Senate on Friday also ensures against another temporary shutdown of the program.
Since 2008, Congress has passed 18 short-term extensions of this program and there were several lapses where the Federal Emergency Management Agency could not issue new flood insurance policies.
“The long-term extension bill passed by the House provides greater certainty for the nation’s housing market,” said House Financial Services Committee chairman Spencer Bachus, R-Ala.
The House passed the bill by a 373-52 vote and the Senate cleared the measure by a 74-19 vote. President Obama is expected to sign the flood bill, which is part of a larger legislative package containing a highway transportation bill and student loan bill.
The NFIP reform bill phases out subsidized insurance rates on second and vacation homes, properties with repetitive flood claims and commercial properties.
Once the bill goes into effect, the Federal Emergency Management Agency will charge the full rate for any properties not previously insured and properties where the flood insurance policy has lapsed.
Mortgage lenders must escrow flood insurance premiums and there are monetary penalties for failing to comply with this requirement.
It appears the lawmakers carved out an escrow exemption for community banks with less than $1 billion in assets.
The bill also addresses the problem of determining claims caused by flood and wind damage in a hurricane.
The lawmakers directed the National Oceanic and Atmospheric Administration to establish a standard formula to determine and allocate wind losses and flood losses.
Joe Petrowsky does not guarantee nor is in any way responsible for the accuracy of the information provided herein, and provides said information without warranties of any kind, either expressed or implied.
About the Author: Sharon Alters works with her husband, Frank, and team member, Ann Dunsford Curley. They are in the top 5% real estate agents for production in the Jacksonville Florida area, specializing in Military and Corporate Relocation in the Fleming Island, Orange Park, St. Johns, St. Augustine and Beaches areas. Their local knowledge can help Relocating Buyers find the perfect lifestyle, whether it is a Castle on the Ocean, or a Cottage in the Country.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.