Flood Consultants Network Blog

If your contractor’s invoice says $35,000… but FEMA only pays $19,000 — guess who covers the rest?

If your contractor’s invoice says $35,000… but FEMA only pays $19,000 — guess who covers the rest?By: Vance E. Shimley

When a flood hits, one of the first calls property owners make is to a mitigation company or contractor. They show up, assess the damage, and hand you a detailed estimate for cleanup and repairs. You breathe a sigh of relief — “At least this will all be covered by my flood insurance.” But here’s the hard truth: Just because it’s in the contractor’s estimate doesn’t mean NFIP will pay for it.

Flood Coverage Gaps & Policy Misunderstandings
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If your contractor’s invoice says $35,000… but FEMA only pays $19,000 — guess who covers the rest?

Elevation Doesn’t Mean Protection

Elevation Doesn’t Mean ProtectionBy: Vance E. Shimley

🏠 Elevated doesn't mean protected. Too many property owners assume they're safe from flood loss just because their building is raised — but if any part of your structure sits below the Base Flood Elevation, you're still at risk.

Flood Coverage Gaps & Policy Misunderstandings
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Elevation Doesn’t Mean Protection