I recently spent big bucks buying a condo and found out shortly thereafter that FEMA just increased my property valuation. Consequently, the mortgage company wanted me to pay for the difference in flood protection between what my HOA covered and the new amount. Flood policies are not cheap depending on where you own the property. I was overwhelmed with a wide range of high premium prices and the cost differences between Federal and Private insurance. Yes there is private flood insurance now. All I wanted was to talk to someone I could trust, who had my best interests at heart. Well, I found that person at Better Flood, AKA the Flood Nerds. I googled flood insurance and the company came up with a comprehensive web site asking a lot of questions. Low and behold, Robert, the owner, got back to me right away. His initial quote was right in the ballpark of what I was hoping for. I was also working with other agents and it quickly became apparent that the Flood Nerds knew exactly what they were talking about. Robert dug deep into the complex world of condo insurance and provided the coverage that protected my property. I am not too familiar with condo rules and regulations but they did the investigative work, with me by their side, to determine that I was property covered. I can't say enough about them and would highly recommend the company. I found that other insurance agents undertake flood as a sideline and provided me great quotes without the proper coverage. I felt uneasy listening to them. In the end I spent more money on the policy than the initial quote but it wasn't that much more. Robert and his team are truly the Flood Nerds. They called me back quickly, were professional, understood the complexities of flood insurance and were very patient and friendly. I gave them 5 stars all around. I sure you will too.