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          Flood Insurance Advocate Video Project
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Release Date:
              September 17, 2021

            Graphic
              A house with three floors. "if the floor is below ground on all sides, it's a basement according to the NFIP.The Office of the Flood Insurance Advocate (OFIA) recently produced four videos to help explain frequently misunderstood concepts to National Flood Insurance Program (NFIP) customers. Existing material targeting insurance agents, adjusters, Write Your Own stakeholders, or other technical audiences can require an advanced level of familiarity with NFIP concepts. Confusion around certain flood insurance terminology was identified through OFIA’s casework and research. The OFIA sought to address these commonly misunderstood topics with straightforward and informative videos.

**The Claims Process**: This video explains the NFIP claims process. It includes:Documentation tips and reminders
	The role of a flood adjuster
	Cost estimate of damages and proof of loss
	Adjusting a claim

**Basements**: This video explains how the NFIP defines basements. It includes:NFIP definition of a basement
	Types of below-ground spaces which are considered a basement
	Types of items and basement furnishings which have coverage

**Flood Risk**: This video explains the tools and considerations for assessing flood risk. It includes:An introduction to FEMA’s Flood Insurance Rate Map (FIRM) and flood zones
	Considerations for homes outside of high-risk areas
	Urban flooding risks

**When Flood Insurance is Required**: This video explains when flood insurance is required vs. when it is simply recommended. It includes:An introduction to Flood Insurance Rate Maps (FIRMs) and Special Flood Hazard Areas (SFHAs)
	Mandatory purchase requirements for federally backed mortgages
	Insurance’s effect on eligibility for future disaster assistance
	Reasons to insure properties when there is no requirement
      Download Fact Sheet PDF
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  National Flood Insurance Program: Publications
  Watermark Report
Last updated September 17, 2021

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