Danette O'Neal, PhD

FYI: Effective April 1st this year as a result of the Graham- Waters Act also called the Homeowner Flood Insurance Affordability Act, FEMA was required to impose an automatic $250 surcharge to your policy to immediately help adsorb the impact of Sandy and other recent major flooding events. All policyholders who are legitimate PRIMARY RESIDENTS of the
insured property must reply to the letters you have already been sent or will be receiving. The letter asks for signing the form and checking off your status as primary resident. The easiest method is providing a copy of one of the items that are listed on this letter as well. Of either the form or one of the documents I need you to send to me by email or fax to be assured that it is applied to your policy and history. Otherwise I can not monitor the documentation being processed. Scanned and emailed provide the most clarity.

Why is this important to you?
All documented PRIMARY RESIDENT policyholders will be given a $225 reduction in previously renewed policies after April 1st and refunded to you or your renewal billing will be correctly priced with only a $25 surcharge instead. It is imperative that you check your declaration of flood insurance that you have received to make sure your policy did not default to include this higher surcharge.