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Sue’s Flood Real Estate Tips: Significant Damage From A flood? Clock Could Be Ticking
Are you aware that if your home has suffered significant damage from coastal flooding there is a time limit for you to act? There are restrictions in place, specific by-laws written by communities. Once a specified period of time has lapsed if you have taken no action to repair, replace or sell the property you […] You must be a member to view this content. Becoming a member is FREE! Go to our “Become a Member” page to join now by clicking HERE Username or E-mail Password Remember Me Forgot Password
CRS Symposium- Thank You!
Thank you for attending the 2019 CRS Symposium on the North Shore on June 13th. Your participation is vital to the implementation of CRS in our communities. The presentations and resources that were presented are now available online at the link below: www.knowflood.org/downloads and look for the “CRS” tab. Our next step is to work with your region to participate in a CRS users group. The MCC will continue to update you when those groups are set to begin. If you would like to speak to any of the specific presenters from the event, please email us at email@example.com and we can direct you to the right presenter. To receive our newsletter and/or regular flood updates, become a member here: Thank you and we look forward to continuing to work with you.
Understanding New Private Flood Insurance Lending Regulations
When Congress passed the Biggert Waters Act of 2012 (BW12), the intent of Congress was to make it easier for lenders to accept private flood insurance to satisfy the mandatory purchase requirement. However, what the Act did was create vague language that took lending regulators seven years to finalize. Since the lending regulators had to base the final rule around the legislative language, lenders worried that accepting the wrong private flood policy could be seen by a regulator as a violation of the law which would mean a fine of thousands of dollars. In January, the Office of the Comptroller of the Currency (OCC), the Board of Governors of the Federal Reserve System (Board), the Federal Deposit Insurance Corporation (FDIC), the Farm Credit Administration (FCA), and the National Credit Union Administration (NCUA) (known going forward as the Regulators) issued their final guidance to lenders on how to accept a private flood policy, and on July 1st 2019 it became effective. Even with the new rule, which should make business easier going forward for consumers purchasing private flood insurance, some questions remain and the industry hopes to receive answers in the coming months. The final rule breaks the acceptance of private […]
Introducing Our Flood Insurance Service Center
Legislative Activity That Impacts You
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Presented by the office of Congressman Seth Moulton, ISO’s regional CRS specialist, FEMA regional CRS Specialist, State NFIP Coordinator, and other CRS specialists. The goal of the CRS Symposium is to have North Shore communities become familiar with and enter the CRS program. AGENDA OPENING: Joe Rossi, Massachusetts Coastal Coalition- 15 minutes (with questions) An overview of the day, what CRS is, a review of material, and questions to focus the day. LEGISLATIVE UPDATE: Representative Moulton’s Office- 15 minutes (with questions) An update of the NFIP, CRS and other important items from a legislative perspective. STATE PERPECTIVE AND INSURNACE: Joy Duperault- 30 minutes Joy, Director, Flood Hazard Management Program and State NFIP Coordinator & Deputy Hazard Mitigation Officer, outlines the value of CRS beyond premium discounts, and impacts on flood policies within your community. CRS CAV: Molly Kaput- 60 minutes Molly, Natural Hazards Specialist, FEMA Region I, reviews the process of the Community Assistance Visit (CAV), which is one of the first steps (and required step) to enter the CRS program. OVERALL CRS PROCESS: Eugene Kohls- 60 minutes Eugene, the New England ISO/CRS Specialist, will review CRS prerequisites, application process, review the important sections of the coordinators manual (specifically for […]
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