Key Colony Beach, Near Marathon Airport Florida Keys: Buyers and Sellers be AWARE Flood Insurance Florida Keys 305-395-0814

Buyers and Sellers be AWARE Flood Insurance Florida Keys 305-395-0814

FIRM has noted 2 problems with the
National Flood Insurance Program
Learn more
and join the fight!


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FIRM would like you to be aware of two problems we've recently identified with the National Flood Insurance Program (NFIP).

PROBLEM 1.  You may receive a letter from your insurance company asking you to provide documentation that your policy is for your primary residence.  You will be asked to provide one of the following:
  • Driver's license
  • Automobile registration
  • Proof of insurance for a vehicle
  • Voter's registration
  • Documents showing where children attend school; or
  • Homestead Tax Credit Form for Primary Residence    
You will only have 30 days from the date on the letter to provide this documentation.  As you will have no control over when the letter was printed or mailed, or how long it took to reach you, or if it was delivered while you were out of town, for instance, this could be an extremely tight deadline. Further, the envelope in which the letter arrives may not appear to be an "official" correspondence that requires your immediate attention.

Be on the lookout for any letter from an insurance company, open and respond right away.  If you miss the 30-day deadline, call your insurance company to inform them, and then supply the documentation.  If your flood policy does in fact cover your primary residence, failure to provide this documentation could result in an increase in your premium of over 25%.

PROBLEM 2.  If you receive a renewal and your premium goes up, do a little math. If your premium has increased more than 15% on your primary residence, or if your premium has increased more than 25% on your second home or business, please:
  • Contact your carrier and question the increase.  We have found that if something is missing or illegible in your file, you may automatically be charged the highest possible increase, even if it should not apply to your home.
  • Contact us at  We are informing our Representative and working to eliminate this practice.
FIRM continues to work on issues related to flood insurance and the implementation of HR3370 to prevent these kinds of damaging errors, and to find a long-term solution to affordable flood insurance.  We are also working on lowering windstorm insurance rates through our Reduce InsurancePremiums Project.  The fight goes on!  

Thank you for your support.

~ ~ ~ ~ ~ ~


For more information 
call FIRM at (305) 294-3476.



422 Fleming Street
Key West, FL 33040
(305) 294-FIRM (3476)
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Remember ---what you think about, you talk about, you bring about. Don't! keep me a secret..Right Now, take out your cell phone, look up my number  305-395-0814  and give me a call, Have the best day of your life


Lela Ashkarian, PA, CRS, GRI, e-PRO

Coldwell Banker Schmitt Real Estate

International President's Circle

11050 Overseas Highway

Marathon, Fl 33050


P.S.My Purpose is for you to be so outrageously happy with the help I provide you that you'll gladly introduce me to at least two people you really care about before I even sell your home/help you buy a new home.  Not because you feel obligated, but because you truly believe they will benefit.


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Comment balloon 2 commentsLilas "Lela" Ashkarian • May 13 2014 06:07AM


Good Morning and this is some great Info for all in that area,  keep up the good work and good luck with your sales,  E

Posted by Ed & Tracy Oliva, The Oliva Team Arizona Agents (West USA Realty - Arizona) about 5 years ago

We try to educate, nurture, encourage, uplift and allow our buyers and sellers to make their own informed educated decision.  Thank you for your support.  Love your State of Arizona and specially Sedona... have the best day of your life 

Posted by Lilas "Lela" Ashkarian, Ashkarian PA, ABR, CRS, E-PRO, GRI,SFR (Coldwell Banker Schmitt Real Estate) about 5 years ago