10/3/2013 - NFIP to Continue Operating Despite Appropriations Lapse: Despite a lapse in annual appropriations, FEMA is allowed by law to continue activities that are funded by sources other than annual appropriations. The National Flood Insurance Program (NFIP) is funded by sources other than annual appropriations and will maintain daily operations and operate the NFIP consistent with existing funding authority.

FEMA issued a statement on October 1, 2013 saying that WYO Companies and insurance agents should continue all NFIP functions as they normally would. Letter of Credit (LOC) functions will also continue to be handled as usual. NFIP contractors will continue to function as usual, and key contracts that support FIMA will also continue their regular work schedule, including the NFIP Legacy Systems Services, the NFIP iService Bureau & Statistical Agent, and the NFIP Direct Servicing Agent.

9/23/2013 - PIA Members Invited to Attend Webinars on Changes to NFIP Presented by The Hartford: Every Wednesday – ONLY ONE LEFT - Wednesday, September 25, 2013 – PIA National’s flood insurance partner The Hartford Flood will conduct a free informational webinar on the October 2013 changes to the NFIP mandated by the Biggert-Waters Act of 2012 (BW12). PIA members are invited to attend. Here is registration information for this week’s session:

Time: 2:00 pm, Eastern Daylight Time Session number: 493 417 502
Registration password: This session does not require a registration password.

To register for this session go here. Once the host approves your registration, you will receive a confirmation email with instructions for joining the session. For assistance contact Marcia Eden at: marcia.eden@thehartford.com

Subject: Save the Date – September 27, 2013

Thank you for your support and promotion of the PIA/HHS webinar earlier this month. Due to the its success, we have scheduled another PIA/HHS webinar for September 27th from 1:00 – 2:30 EST. They will cover a number of topics specifically relevant to agents and brokers including:

The information will be pertinent to states that have elected to have a Federally Facilitated Exchange (FFE). If you are one of those states, this webinar should be of great value to you and your members.. If you need to confirm if your state has chosen an FFE, click here. If you state isn’t an FFE, you still may find value in this as it will provided great insight to market changes and reforms that other states are going through.

In the coming weeks I will send out additional marketing and registration information for your members. In the meantime, please save the date and time.

If you have any questions, please don’t hesitate to ask.

Mike Becker, 703-518-1365

Make the Most of Flood Safety Awareness Week: March 18-22 is Flood Safety Awareness Week. Take this opportunity to refocus your efforts on this important insurance coverage.

Use this opportunity to inform your clients:
What is covered?
  1. Structural elements, including walls, floors, equipment and fixtures
  2. Contents, such as furniture, appliances, carpeting, wall and floor coverings
  3. Personal items like clothing, audio equipment and televisions

Flood insurance provides peace of mind for your clients:

The PIA/Hartford Flood Insurance Program

Since 2004, PIA and The Hartford have joined together to provide PIA member agents the opportunity to offer their customers flood insurance through The Hartford, a premier WYO company. The program is available to PIA members and their policyholders in all 50 states, the District of Columbia and Puerto Rico.

The Hartford makes selling flood insurance easy for you:

The Hartford has two decades of experience writing flood policies through The National Flood Insurance Program. They offer extremely competitive commissions to PIA members and two plan offerings:

  1. The Standard program includes a web-based application process with the agency doing the customer service administration with Internet and live customer service support.

  2. The Flood Solutions program includes a streamlined application process with The Hartford’s Flood Insurance Processing Center doing most of the work. Flood Solutions simplifies the writing of flood insurance for the agency.

For more information about the PIA/Hartford flood insurance program, please visit http://www.pianet.com/benefits/insurance-products-to-sell/hartfordfloodinsurance or contact Joseph M. Surowiecki, Jr. of The Hartford at 860-547-5006 or joseph.surowiecki@thehartford.com.

Dear PIA Affiliate Exts:

We know how many of our members are dealing with the ACA requirements and its 10-01-2013 deadline.

However, NFIP also has a critical 10-01-2013 implementation date – the largest number of NFIP reform changes are going into effect at the same time.
Also, a significant number of NFIP policies have renewal dates of 09-01 & after, so the amount of work for members is significant.

This week - NFIP just issued:
w-13056 - MAJOR revisions to the NFIP October 1, 2013 Manual. This includes revised rating tables and more. Attach #1
New summary on FEMA’s use of preliminary Mapping information FAQ on this Attach #1 & 2.

1. Major BW12 changes are going into effect 10-01-13 – and members must know that NFIP has just revised the manual that they will need to use.

2. Many communities across the US are undergoing map revisions and/or audits of their community flood compliance program. MAPs are central to both.
Members need to be aware of this revised FEMA map information to be able to better ask questions regarding any map changes that may be included in that process – and at what stage of data development are the maps being used.

3. We repeat the reminder we issued last week:
FEMA/NFIP has released “new” consumer information explaining the BW12 and other NFIP changes, and how these may affect their properties. In that FEMA/NFIP has included simplified rating examples to illustrate their point. Please remember that these “pricing examples” are GREATLY simplified and do not include all the additional factors that need to be considered (example: map & elevation changes) that can create a VERY different & higher real price from that of the FEMA/NFIP illustration.

4. Please see below the information on the weekly free webinar’s that PIA is making available through PIA WYO partner.
The last program of this series is this coming Wednesday, September 25. Please be sure members are made aware of this.
Please also consider using this as a free-look-see for any member prospecting.
PIA-Hartford WYO offering has a lot of benefits for members to consider.
We are beginning work with Hartford on the next series.

5. Last, the scale and size of all the changes being made to NFIP – and still yet to come is massive. They are coming online every week, as well as updates/revisions &/or residing of previously issued information. We must all work together to be sure that members are regularly informed and reminded to about these changes. PIA makes every effort not just to send out the bulletins, but to provide explanation that allows PIA members to better appreciate the applied context for each change.

Please keep sharing your questions, suggestions, examples and the like about NFIP coming in, and as Affiliates Exts, please share your suggestions of how we can issue this in ways that are also more useful for you.

Thanks for being PIA Affiliates!
Richie Clements (LA), PIA National VP/Treasurer & FEMA/NFIP Representative
Responses to: patbo@pianet.org