Robert Murphy of Better Flood Insurance, is a true professional. He is definitely an EXPERT on FLOOD INSURANCE.
I'm a Real Estate Agent in Florida, a large peninsula which is known for many flood zones due to most of the state being at or near sea level. Most local agents don't have the knowledge of flood zone insurance and follow cookie cutter steps to qualify properties for insurance. They rely on FEMA and NFIB for insurance, which can be prohibitively expensive for the homebuyer.
Robert saved two home sales for me. He explained how many zones are labeled "high risk for flooding" but have low to no claims for floods. Despite these homes being in "high risk flood zones" according to FEMA guidelines, the areas did not experience flooding, even with multiple exposure to severe rainstorms and even hurricanes.
I learned from Robert that Private Flood Insurance is extremely competitive with NFIB premiums and has similar AM Best ratings. In addition, Private Insurance like Better Flood Insurance, meets all FEMA guidelines. In one case, the monthly premium quoted from a local agent was nearly 15 times as much as the quote from Better Flood Insurance. According to Robert, this is unusual, but he routinely saves homeowners 20% to 50% on their premiums.
Robert went "above and beyond" to educate a local Loan Company underwriter. The underwriter couldn't believe his rates could be so low and still conform to FEMA and NFIB guidelines. It turns out that his policy was considerably less expensive and did conform to FEMA guidelines. By educating the underwriter, he saved the Home Sale.
I'm sold on Robert Murphy and Better Flood Insurance. His knowledge and his service are exceptional.