Has your mortgage carrier force-placed flood insurance on your property? This can happen for various reasons but if you are like many people, the flood insurance rate maps in your area have changed and you are now in a 100 year flood plain. When a property that carries a mortgage is located in a flood zone, the mortgage company is required by law to do the following: Verify if the property owner has a flood insurance policy in force, give proper notification if a flood policy does not exist, and then if the notification period lapses with no proof of flood insurance, place flood insurance on the property. Mortgage force-placed flood insurance is almost always very expensive, so make sure that you call us for a quote. Also, if you were not in a flood plain prior to the change we can likely grandfather you into the original flood zone and save you more money on your flood insurance.