Checklists that turn confusing policy language into questions you can ask.

FEMA Flood Zone Quick Guide

• Zone X: Often lower or moderate mapped flood risk, but flood insurance can still be worth discussing.
• Zone AE/A: High-risk flood area where federally backed mortgages may require flood insurance.
• Zone VE/V: Coastal high-risk zone with wave action exposure.
• Zone AO/AH: Shallow flooding zones with depth or ponding concerns.

Official source: FEMA Flood Maps and FloodSmart.

Home Insurance Renewal Checklist

• Confirm dwelling coverage and replacement cost estimate.
• Check hurricane, wind/hail, water, and all-other-perils deductibles.
• Gather roof age proof, permits, and inspection reports.
• Ask whether any mitigation credits are missing.
• Check if flood insurance is separate from homeowners insurance.
• Ask for the reason in writing if renewal is denied or restricted.

Wind Mitigation Prep Checklist

• Find roof permit and final inspection records.
• Ask whether the inspector uses the current OIR-B1-1802 form.
• Prepare attic access if roof-deck attachment needs verification.
• Collect product approvals for shutters, impact windows, or doors.
• Send the completed form to your agent and ask which credits changed.