Use the property address, not just the school.
A university name covers many possible housing locations. Open FEMA’s Flood Map Service Center using the actual address and bring the result to the professional discussion. Do not use a school’s location, distance from campus, or a map color as a promise about future flooding. If the lender has supplied a flood determination, include it rather than replacing it with your own conclusion.
Separate the building from the belongings.
An owner and a tenant may be asking different questions at the same address. Identify who owns the building and who owns its contents. Ask Guy about building protection, contents protection, applicable limits, and what the proposal excludes. A renter can ask about flood contents coverage without owning the building. Ask separately about temporary housing rather than assuming it is part of a flood proposal.
Confirm when coverage could begin.
NFIP policies typically have a 30-day waiting period, with exceptions. Provide the purchase, closing, lease, and move-in dates so Guy can explain what applies to an actual proposal. Do not wait for severe weather to start the conversation, and do not treat submitting this review form as establishing an effective date.
Keep the documents together.
Save the map information, lender request, proposal, coverage selections, effective date, and Guy’s answers. Take an inventory before moving belongings into a new property. If you later change the property or the occupants, update the review rather than carrying a prior address’s assumptions into a new location.
| Part of the conversation | What to bring or ask |
|---|---|
| Property owner | Ask about building and owned contents |
| Student renter | Ask about contents at the rental address |
| Lender or closing date | Provide requirements and timing for review |
MAKE YOUR REVIEW MORE USEFUL
Your checklist for Guy
- Exact property and unit address
- Owner or renter status
- Lender flood determination, if provided
- Building and contents questions
- Closing and move-in dates
- Existing flood documents, if any
ILLUSTRATIVE CONVERSATION · NOT A COVERAGE DECISION
Put it into a real housing question.
A student is renting near Corpus Christi while a parent owns a different home in Austin. Submit separate addresses and describe who owns each building and each set of belongings.
Discuss my situation with Guy
