Flood Insurance Reform - Flood Insurance Advocate

Main Content

The Interim Office of the Flood Insurance Advocate advocates for the fair treatment of policyholders and property owners by providing education and guidance on all aspects of the NFIP, identifying trends affecting the public, and making recommendations for program improvements to FEMA leadership.

Background

Section 24 of the Homeowner Flood Insurance Affordability Act ofCover image of the Interim Office of the Flood Insurance Advocate Fact Sheet 2014 directed FEMA’s Administrator to establish a Flood Insurance Advocate to advocate for the fair treatment of policyholders under the National Flood Insurance Program (NFIP) and for property owners in the mapping of flood hazards, the identification of risks from flood, and the implementation of measures to minimize the risk of flood.

To provide interim advocacy assistance to policyholders and property owners, until permanent staff can be obtained, the FEMA Administrator designated an Acting Flood Insurance Advocate and an Interim Office. The Interim Office of the Flood Insurance Advocate is available to the public and staffed by NFIP program professionals who are experts in all aspects of the NFIP, including claims processes, the map review and amendment process, floodplain management, and flood mitigation techniques and resources.

These following existing flood insurance and mapping information resources should first be utilized prior to contacting the Interim Office:

Their insurance agent or NFIP insurer for information related to a current flood insurance policy, information on flood insurance, flood insurance premium quotes, questions about flood insurance claims, or guidance on how to obtain flood insurance.

Their local planning, building inspections, or zoning offices for information on building permits and local regulations or ordinances governing development in special flood hazard areas, to obtain copies of flood maps, or copies of existing elevation certificates and elevation information.

NFIP Help Center (1-800-427-4661) for general information about the NFIP, advice on how to obtain a property loss history report, or to seek information related to the various NFIP rating options, such as, grandfathering and elevation rating.

FEMA Regional Offices (www.fema.gov/about-agency) for information about the NFIP, specific questions about recent or future flood insurance or mapping related events, or more information on flood insurance related resources.

FloodSmart (1-888-225-5356 or http://www.floodsmart.gov/) for information about flood insurance coverage, how to  locate an insurance agent, or for more information and consumer-friendly materials about the NFIP and flood risk.

FEMA Map Information Xchange (FMIX) (1-877-FEMA MAP or 1-877-336-2627) or visit the FEMA Flood Map Service Center (MSC) (https://msc.fema.gov/portal)  for information on how to view or read a flood map, understanding zone definitions, how to read a Flood Insurance Study (FIS), learn about letters of map change and amendments, and information on a restudy and remapping information.

FEMA’s NFIP webpage (www.fema.gov/national-flood-insurance-program) for a broad range of NFIP informational and guidance publications and informational materials for Property Owners, Insurance agents, Claims Adjusters, Lenders, etc.

For Additional Information

For more information about the Interim Office, how they can be contacted and what support functions the office can provide, please see the Interim Office of the Flood Insurance Advocate Fact Sheet

Last Updated: 
04/20/2015 - 08:50
Back to Top