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            <h1><span id="hs_cos_wrapper_name" class="hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_text" style="" data-hs-cos-general-type="meta_field" data-hs-cos-type="text">8 Things That You Did Not Know About Flood Insurance</span></h1>
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                        September
                                    13, 2016
                                    
                    
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            <span id="hs_cos_wrapper_post_body" class="hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text" style="" data-hs-cos-general-type="meta_field" data-hs-cos-type="rich_text"><p><span style="font-weight: 400;"><img src="https://cos.unitedcp.com/hs-fs/hubfs/FinLife_Digest_-_IM_-_Blog_and_EM/Blog_Photos/rsz_1rsz_1flood_insurance.jpg?t=1518461174705&amp;width=574&amp;name=rsz_1rsz_1flood_insurance.jpg" alt="rsz_1rsz_1flood_insurance.jpg" width="574" title="rsz_1rsz_1flood_insurance.jpg" caption="false" data-constrained="true" style="width: 574px;" srcset="https://cos.unitedcp.com/hs-fs/hubfs/FinLife_Digest_-_IM_-_Blog_and_EM/Blog_Photos/rsz_1rsz_1flood_insurance.jpg?t=1518461174705&amp;width=287&amp;name=rsz_1rsz_1flood_insurance.jpg 287w, https://cos.unitedcp.com/hs-fs/hubfs/FinLife_Digest_-_IM_-_Blog_and_EM/Blog_Photos/rsz_1rsz_1flood_insurance.jpg?t=1518461174705&amp;width=574&amp;name=rsz_1rsz_1flood_insurance.jpg 574w, https://cos.unitedcp.com/hs-fs/hubfs/FinLife_Digest_-_IM_-_Blog_and_EM/Blog_Photos/rsz_1rsz_1flood_insurance.jpg?t=1518461174705&amp;width=861&amp;name=rsz_1rsz_1flood_insurance.jpg 861w, https://cos.unitedcp.com/hs-fs/hubfs/FinLife_Digest_-_IM_-_Blog_and_EM/Blog_Photos/rsz_1rsz_1flood_insurance.jpg?t=1518461174705&amp;width=1148&amp;name=rsz_1rsz_1flood_insurance.jpg 1148w, https://cos.unitedcp.com/hs-fs/hubfs/FinLife_Digest_-_IM_-_Blog_and_EM/Blog_Photos/rsz_1rsz_1flood_insurance.jpg?t=1518461174705&amp;width=1435&amp;name=rsz_1rsz_1flood_insurance.jpg 1435w, https://cos.unitedcp.com/hs-fs/hubfs/FinLife_Digest_-_IM_-_Blog_and_EM/Blog_Photos/rsz_1rsz_1flood_insurance.jpg?t=1518461174705&amp;width=1722&amp;name=rsz_1rsz_1flood_insurance.jpg 1722w" sizes="(max-width: 574px) 100vw, 574px"><span style="font-size: 16px;"><em>This article originally appeared on <a href="http://www.yourhoustonnews.com/courier/living/things-that-you-didn-t-know-about-flood-insurance/article_83563905-3c86-5999-8611-7428163fe65f.html">YourHoustonNews.com</a>.</em></span></span></p>
<p><span style="font-weight: 400;">We need water to survive. &nbsp;Our plants and yards yearn for rain when we hit a dry spell. &nbsp;But when too much rain comes at once water can leave you helpless and flooded. &nbsp;I am a big believer in flood insurance. Some of you will say there is no way your home will ever flood. &nbsp;That may be the case, but our earth is always changing. &nbsp;New buildings and parking lots…even miles away…can affect the water patterns. &nbsp;If you don’t have flood insurance consider getting it. &nbsp;If you already have it, know your facts. &nbsp;Here are eight that I bet you were not aware of:</span></p>
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<h2>1. Your detached structure may need a policy of its own.</h2>
<p><span style="font-weight: 400;">If you share a common roof line then you are OK; it is not considered detached. &nbsp;However, if you don’t you may need to ask for a second policy just for the separate structure.</span></p>
<h2>2. If your attached garage is used for anything other than parking and storage then you have no coverage for your garage.<span style="font-weight: 400;"> &nbsp;</span></h2>
<p><span style="font-weight: 400;">Vanessa Kimball, CIC, Agency Principal for The Kimball Group in The Woodlands, Texas, says, “For example, let’s say you park your car and store some things but you have a nice bathroom built in to your garage, you may be out of luck. &nbsp;Also, you cannot run a business out of the garage and have it be covered under your flood policy.” &nbsp;This means no storage of your Mary Kay inventory in the garage. &nbsp;</span></p>
<h2>3. The flood has to cover at least 2 acres if you have acreage<span style="font-weight: 400;">. &nbsp;</span></h2>
<p><span style="font-weight: 400;">If you are living on some land, your flood policy won’t pay unless water covers at least two acres.</span></p>
<h2>4. You may not be covered if your pool overflows into your house.<span style="font-weight: 400;"> &nbsp;</span></h2>
<p><span style="font-weight: 400;">If your home is flooded by your rising pool water, the water has to cross an adjacent structure along with flooding your home. &nbsp;“For example, if your pool water crossed your fence line into the neighbor’s yard and the neighbor does not flood, while flooding your home, the policy should cover your loss,” says Kimball. &nbsp;This same logic applies to water rising from a water line breaking. &nbsp;As long as the water crossed another property you should be covered.</span></p>
<h2>5. You can buy flood insurance after you have been flooded.</h2>
<p><span style="font-weight: 400;">After a 30 day waiting period, you can purchase a flood policy. &nbsp;While it won’t pay for repair to the damage of the first flood, it is suggested that you hold on to your receipts in case you have another loss after the policy is in force. &nbsp;FEMA will require proof that you made the repairs from your first loss.</span></p>
<h2>6. FEMA cannot cancel your flood insurance policy.<span style="font-weight: 400;"> &nbsp;</span></h2>
<p><span style="font-weight: 400;">As long as you pay your premiums, FEMA cannot cancel you no matter how often your property floods. &nbsp;If you are more than 60 days late on premiums you will have to have a new policy written. &nbsp;</span></p>
<h2>7. You can transfer your policy to a new homeowner.<span style="font-weight: 400;"> &nbsp;</span></h2>
<p><span style="font-weight: 400;">Let’s say you bought your policy years ago and since then they have placed your property in a flood zone. &nbsp;Your premium has stayed the same but the new owner of the house, if they apply for a new policy, would pay more. &nbsp;You are allowed to transfer your policy to the new owner thus keeping their premiums lower than if they secured one on their own.</span></p>
<h2>8. You can lower your premium if your flood zone improves<span style="font-weight: 400;">. </span></h2>
<p><span style="font-weight: 400;">Remember when I said things were always changing? They could change for the better. &nbsp;Kimball reminds us that “If you find out that your home is now in a better zone (less chance of a flood), you can request lower rates by showing your new elevation certificate. &nbsp;If all is in order, you could see lower premiums.” This is a great reason to have your coverage reviewed periodically.</span></p>
<p><span style="font-weight: 400;">Get covered if you are not and know your facts. &nbsp;You might also start thinking about moving that Mary Kay inventory out of your garage.</span></p></span>
            
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        <li><a href="https://cos.unitedcp.com/blog/topic/stan-corey">Stan Corey</a></li>
        4074171202<br>
        Stan Corey is a Certified Financial Planner™ Professional (CFP®), Chartered Financial Consultant (ChFC), and Certified Private Wealth Advisor (CPWA). His career in financial services spans over thirty-five years. As a sought-after expert, Stan regularly provides financial commentary at national conferences, in print and online publications, and on TV. He has appeared in USA Today, Working Women magazine, MONEY, Northern Virginia Magazine and Good Housekeeping.  Stan has published a novel which is a case study on a divorcing couple. You can go to www.divorcedance.com to get more information.

            
        
        <li><a href="https://cos.unitedcp.com/blog/topic/united-capital">United Capital</a></li>
        1648262852<br>
        Our goal is to improve lives. We help people make sound financial decisions aligned with their goals. If you’d like to stay in touch with us feel free to follow us on social media.
            
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                    <h3>Written by <a href="mailto:adam.vega@unitedcp.com"> Adam Vega  </a> </h3>
                    <p>Adam Vega, CFP®, empowers high net-worth individuals by guiding them to making informed and measured financial decisions. He specializes in the financial needs of doctors, successful business owners, and aviation professionals. </p>
                    
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                    <h3>Written by <a href="mailto:bob.landry@unitedcp.com"> Bob Landry  </a> </h3>
                    <p>Bob Landry, CFA, CFP®, is the Chief Investment Strategist for United Capital's Investment Management team.

Previously, Bob served as Chief Investment Officer of USAA, tasked with investment oversight for USAA Managed Portfolios, a unified managed portfolio (UMP) platform with assets under management of $22.3 billion and approximately 144,500 accounts. He was responsible for asset allocation, portfolio design and construction, investment strategy, manager research and selection, and risk management. He was also a voting member of the Advisor Governance Committee, Investment Risk Committee, Investment Code of Ethics, and Best Execution, Credit and Operations Committee. </p>
                    
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                    <h3>Written by <a href="mailto:byron.ellis@unitedcp.com"> Byron Ellis  </a> </h3>
                    <p>Byron is the Managing Director of The Woodlands, TX division of United Capital Financial Advisers, and a well-known financial educator. In addition to helping families with their financial life management, Byron is a weekly columnist that has the ability to turn complex topics into clear and interesting essays. </p>
                    
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                    <h3>Written by <a href="mailto:cary.carbonaro@unitedcp.com"> Cary Carbonaro  </a> </h3>
                    <p>Cary is a Managing Director of NY/NJ and Clermont, FL.  She is a Nationally Known Personal Finance Expert.  She is an Ambassador for the CFP Board.  Her bestselling book,  “The Money Queens Guide For Woman Who Want to Build Wealth and Banish Fear” was listed in the Top 10 of Books that Make You Rich by Daily.  She is a passionate female advocate and teaches yoga in her spare time. </p>
                    
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                    <img alt="Eric Lewis, CFA, CFP®" src="https://cos.unitedcp.com/hubfs/Authors/Eric%20Lewis%20Headshot.jpg?t=1518461174705">
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                    <h3>Written by <a href="mailto:eric.lewis@unitedcp.com"> Eric Lewis, CFA, CFP®  </a> </h3>
                    <p>Eric Lewis is a Managing Director at the United Capital Silicon Valley office. He revels in complex client portfolios. Eric received a Bachelor of Arts from Princeton University and an MBA from Harvard Business School. He is a CFA Charter holder and a CFP®. When Eric’s not working, traveling, volunteering or hanging out with his family, he likes to hike and cycle the beautiful trails around the Bay. </p>
                    
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                    <img alt="Gail Graham" src="https://cos.unitedcp.com/hubfs/_FinLife_Assets/Authors/gail.png?t=1518461174705">
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                    <h3>Written by <a href="mailto:gail.graham@unitedcp.com"> Gail Graham  </a> </h3>
                    <p>Gail is the Chief Marketing Officer of United Capital and a champion for changing the way financial services meets the needs of people and their families.        </p>
                    
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                    <h3>Written by  Gene Balas </h3>
                    <p>Gene is a portfolio manager in United Capital's Investment Management Department. Gene began his career in 1989 and is a Chartered Financial Analyst with an MBA from Columbia University. His passion outside of work is weightlifting.</p>
                    
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                    <img alt="Heather Kelly" src="https://cos.unitedcp.com/hubfs/Authors/heather_k2.png?t=1518461174705">
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                    <h3>Written by <a href="mailto:Heather.Kelly@unitedcp.com"> Heather Kelly  </a> </h3>
                    <p>Heather is the Vice President of Risk Management and a Chartered Financial Consultant at United Capital. She has been in the insurance industry more than 20 years and is a continual student of the industry. She was the first ever young professional to receive the ATHENA Award, that recognizes women in leadership.</p>
                    
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                    <img alt="Heidi S. Hirsh" src="https://cos.unitedcp.com/hubfs/Authors/Heidi%20Headshot.jpg?t=1518461174705">
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                    <h3>Written by <a href="mailto:heidi.hirsh@unitedcp.com"> Heidi S. Hirsh  </a> </h3>
                    <p>Heidi Hirsh is a Wealth Manager with more than 20 years of industry experience in Social Security strategy planning. As a Retirement Income Certified Professional® (RICP) she currently specializes in creating retirement income plans for individuals and families in both the pre- and post-retirement stages of life.</p>
                    
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                    <img alt="Jarrod Upton" src="https://cos.unitedcp.com/hubfs/Screen_Shot_2016-04-06_at_9.34.28_PM.png?t=1518461174705">
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                    <h3>Written by  Jarrod Upton </h3>
                    <p>Jarrod is the AVP of Guidance and Financial Planning at United Capital. He is responsible for developing and advancing financial guidance initiative. Jarrod is a CERTIFIED FINANCIAL PLANNER with a Master of Science in Financial Planning and a MBA from Texas Tech University.  Follow him on twitter: @jarrodupton</p>
                    
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                    <h3>Written by  Joe Duran </h3>
                    <p></p>
                    
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                    <h3>Written by <a href="mailto:kathleen.grace@unitedcp.com"> Kathleen Grace  </a> </h3>
                    <p>Kathleen Grace, CERTIFIED FINANCIAL PLANNER(CFP®) professional, Certified Investment Management Analyst (CIMA®), is a Managing Director at United Capital. She advises affluent families, Fortune 500 executives, entrepreneurs, and institutions throughout the country on all facets of financial planning, helping them chart a financial course with the goal of lifetime wealth creation. She is also the author of international best-seller, Prince Not So Charming®, a financial planning novel.</p>
                    
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                    <h3>Written by  Konrad Brown </h3>
                    <p>Konrad Brown's professional mission is to help each client spend more time doing what makes their life worth living. As a Wealth Adviser, Konrad works closely with physicians, entrepreneurs, business owners, and families to pair them with financial strategies to achieve the goal of effectively and efficiently preserving their financial security, legacy and lifestyle.The key to providing elite service is fundamentally understanding a client's unique circumstances and tailoring a comprehensive financial plan that may help them maintain their wealth and achieve their financial goals.</p>
                    
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                    <img alt="Min Zhang" src="https://cos.unitedcp.com/hubfs/Authors/MZ%20headshot.jpg?t=1518461174705">
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                    <h3>Written by <a href="mailto:min.zhang@unitedcp.com"> Min Zhang  </a> </h3>
                    <p>Min Zhang, CFA is VP of Digital Product Management at United Capital, where she is responsible for enhancing software products and innovating new solutions for clients and advisors. 

Min earned an MBA from Stanford Graduate School of Business, a bachelor’s degree in Computer Science and Economics with Honors from Dartmouth College, and holds the CFA charter.</p>
                    
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                    <img alt="Robert Wolfe" src="https://cos.unitedcp.com/hubfs/Robert_Wolfe_CFP.png?t=1518461174705">
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                    <h3>Written by  Robert Wolfe </h3>
                    <p>Robert is a Managing Director and NFLPA Registered Player Financial Advisor. He specializes in the design and implementation of wealth management strategies for professional sport executives, athletes, physicians, and entrepreneurs. </p>
                    
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                    <h3>Written by <a href="mailto:stan.corey@unitedcp.com"> Stan Corey  </a> </h3>
                    <p>Stan Corey is a Certified Financial Planner™ Professional (CFP®), Chartered Financial Consultant (ChFC), and Certified Private Wealth Advisor (CPWA). His career in financial services spans over thirty-five years. As a sought-after expert, Stan regularly provides financial commentary at national conferences, in print and online publications, and on TV. He has appeared in USA Today, Working Women magazine, MONEY, Northern Virginia Magazine and Good Housekeeping.  Stan has published a novel which is a case study on a divorcing couple. You can go to www.divorcedance.com to get more information.
</p>
                    
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                    <img alt="United Capital" src="https://cos.unitedcp.com/hubfs/UC_twitter_Profile-1.jpg?t=1518461174705">
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                    <h3>Written by <a href="mailto:info@unitedcp.com"> United Capital  </a> </h3>
                    <p>Our goal is to improve lives. We help people make sound financial decisions aligned with their goals. If you’d like to stay in touch with us feel free to follow us on social media.</p>
                    
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                <img alt="Byron Ellis" src="https://cos.unitedcp.com/hubfs/images/byron.jpg?t=1518461174705">
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                <h3>Written by <a href="mailto:byron.ellis@unitedcp.com"> Byron Ellis  </a> </h3>
                <p>Byron is the Managing Director of The Woodlands, TX division of United Capital Financial Advisers, and a well-known financial educator. In addition to helping families with their financial life management, Byron is a weekly columnist that has the ability to turn complex topics into clear and interesting essays. </p>
                
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