I never did believe my property was in a flood zone. I had to provide flood insurance for my mortgage, but now, I do not have to do this anymore thanks to: Flood Premium Reduction Services.
Thank you Lexi O'Leary, Veronica and all staff.
Lowry L. Griffin Defuniak Springs, FL
I received friendly service from the first phone call to the last. FPRServices achieved the result I was looking for, which was elimination of an unnecessary flood insurance policy. Plus, I received a full refund of the current year's flood premium. It took a few months, but FPRServices took care of everything. Thanks for your help.
San Jose, CA
My relationship with Flood Premium Reduction Services was excellent! Johanna followed up with me on every move, kept me informed and saved me a lot of money!! I am so glad I contacted them about my flood insurance. Thank you all for your help.
Kaaren White Marathon, FL
When I first received a letter from FPRS I didn't know whether to believe it. So, I pursued cautiously. To my surprise, the girls at FPRS were very service-oriented and easy to work with. The end result-they eliminated my flood insurance completely. Thank you!
Nancy Rogers Orlando, FL
We have been very pleased with the services of FPRS. Although, we didn't qualify for a full waiver of flood insurance, we were very happy to get a reduced premium (by 35%) of our policy. And, a refund check for that amount for the current policy.
Janie Wallace Ft. Launderdale, FL
F.P.R.S cuts through the red tape, gets the job done, and gets all your money refunded. Thanks guys, you did a great job.
Bob Hanna and Karen Wallace Haddonfield, New Jersey
I worked with Ms. Lexi O'Leary for over six months! I bought a house last year in New Orleans and if you're not familiar with the area, it's sub tropical in weather patterns. Even though I was not able to get a reduction in my flood insurance, I did find out that I was under insured. Thanks to Lexi and her team for the professional, diligent work and long hard hours that were put in to help me with my flood insurance. You should really try them out - they're not only kind - but also professional!
Valerie Jackson, RN New Orleans
We would like to thank you very much for helping us to get our property re-zoned so that we are no longer in the flood zone. We had tried on our own to get the classification changed but working with the government proved to be very overwhelming for us. Thank you so very much for all of your efforts and your success in getting our property out of the flood zone.
David Sens Corpus Christi, Texas
Dear Lexi:
I want to thank you very much for everything you did for us in helping us to remove our flood insurance. After many failed attempts on our part since we moved into our new home five years ago, we finally are free of paying this huge bill, in fact we just recently received our refund in the mail. I can't thank you and your staff enough. I wish I would have known about your services earlier. I do know, however, that I will recommend your services highly to anyone with the same issues.
Again, thank you so much.
Teresa Davoli
Nice job! Very professional, efficient operation and staff, start to finish. Great product. Thanks.
Dennis P. Busche Menlo Park, CA
I would have had no clue how to go about getting a change in my flood insurance situation. The flood zone maps in this city which were originally done in 1911, are, I believe, still in use. The name of this company was enough to spark my curiosity, so after speaking with them, I decided to give it a chance, and am very happy that I did. I was more than reimbursed for the full cost of the service, as I received a full refund from the year which was ending, and a refund from my escrow for the money which was about to be paid out. My house payment has gone down $40 per month. I fully recommend FPRS for anyone who thinks they may be paying for flood insurance which shouldn't be required.
Tom Dayton Lincoln, NE
Lexi O'Leary and Lou of Flood Premium Reduction Services have always been very helpful, kind and always willing to go the "extra mile" in the pursuit to win my flood insurance battle.
Always my thanks, Mona Grothes
I got my refund! Thank you so much!
Dear FPRS:
My wife and I would like to thank off of those people; such as Rosy and Lexi, who took time to help us eliminate the flood insurance and got our complete refund.
We can only imagine how much harassment that they had to go through with the insurance company.
May God bless all of you.
Thank you very, very much Charles and Kitty Richardson Middleburg, FL
The way things were done, it is wonderful. I never thought of this and now I will save a lot of money.
Flood Premium Reduction Services' staff is very helpful and hassle free working.
Subitash Khanna Carmel, IN
To Whom It May Concern:
You are providing an excellent service, and your staff is outstanding in handling telephone calls and information provided when needed, in the process of providing this service. In this day and age it is rare to find this type of service. I want to thank you again, and I certainly would recommend your services.
Sincerely Kaaren White Marathon, Florida
Dear Lexi:
Today, I am happy to report that I received a full refund on my flood insurance premium due to the efforts of your company. I would like to commend you on the fine job your company did in accomplishing the delisting of my personal residence from the FEMA Flood Zone. Your personnel expedited and maintained job control throughout the entire process from my initial contact to my flood premium refund. Your management team did an excellent job coordinating all aspects of the flood pain certification process, causing no inconvenience to me whatsoever. You did everything! The quality and expertise of your work speaks for itself, and was outstanding. There was always a 'can-do' spirit from you.
I look forward to our next opportunity to work together and wish you continued success with your consulting company.
Sincerely, David M. Cantera Lincoln, MI
Now entering Phase II. I just found your site. I do not do the computer thing to much, right now I'm just borrowing this one. I've read all the letters you have posted and they all really do sum it up. It is very frustrating, and you do suddenly feel very small in this situation. I am very happy with the services rendered so far. I am confident that my letter of map amendment will go through. It has been conducted in the most professional manor. Thank you for all your help.
Steven Sturges Ocala, FL
To Whom It May Concern,
Our experience with Flood Insurance began during the refinance boom of 2003. We had built our dream home on Cedar Lake (Iosco County, MI) in 1999 and our current mortgage company did not require flood insurance. To our dismay, the refi mortgage lender would not refinance our mortgage without a flood insurance policy.
We decided first to meet with Jim Biggar, the Township Zoning Administrator. We were ignorant and needed information desperately. Mr. Biggar's office seemed a logical place to start. He pulled out a Flood Insurance Rate Map (FIRM) of our township and, sure enough, our property was indeed located with Flood Zone "A". Mr Biggar did have some interesting information though regarding Flood Premium Reduction Services (FPRS). We copied the FPRS contact information and thanked Mr. Biggar for his help.
Before leaving his office, Mr. Biggar asked us to let him know about our experience with flood insurance, FPRS, and how he could better serve his constituents. Since he was so conscientious in his efforts on our behalf, we promised to get back to him with a report.
That evening we relayed our dilemma to a dear friend who owns a local restaurant. "Sure, that's Lexi O'Leary's company". "I have her phone number right here!".
We called Ms. O'Leary the next day to discuss our situation. She told us about her services, that she had a 100% success rate on our lake of having flood premiums eliminated, and that she would mail a contract to us immediately.
When we researched flood insurance premiums in our area, we were shocked to find that a minimum of $1600.00 would be required for annual coverage. Obviously, we could not amortize this huge cost with a lower mortgage interest rate so we cancelled the refinancing of our mortgage. Unfortunately, we could not utilize FPRS in time to save the deal so we did nothing.
In August of 2004 we received a letter from our mortgage company stating that their insurance department had performed a routine audit and discovered that we had no flood insurance. They demanded, and rightfully so, that we provided evidence that a flood insurance policy was in force. They stated that if we had no coverage, that we would have to obtain a policy in order to "Protect our mutual interests".
Once again, we faced the specter of high flood insurance premiums. We contacted Lexi O'Leary of FPRS and requested her services. We received a very straightforward contract, all manner of additional information, and a letter directed to Cedar Lake Association members regarding the subject of Mandatory Flood Insurance.
FPRS had secured the services of a local surveyor at a greatly reduced rate. By the middle of December, FPRS had obtained the Elevation Certificate from the surveyor, and had obtained a Letter of Map Amendment (LOMA) from FEMA. FPRS moved so rapidly that we never had an opportunity to obtain private flood insurance!
Obtaining a LOMA from the federal government (FEMA) is no easy feat. If you go the FEMA website, there is a detailed information on the federally mandated NFIP (National Flood Insurance Program). The NFIP is written like our US tax code.Somehow, FPRS was able to cut through the bureaucratic red tape and have the flood area designation removed from our property in just a few weeks. Simply incredible!
Lexi O'Leary is now contacting our mortgage company. She will provided evidence that flood insurance is not required. The mortgage company has obtained a flood insurance policy ($1,100.00) and debited our escrow account accordingly. We probably will never have to make an escrow payment, or any private flood insurance premium payment due to the fast response of FPRS.
Lexi has also informed us that all State and local regulatory agencies will be contacted regarding the LOMA. It appears that all bases will be covered and that we can finally put to rest any flood insurance issues. For this "Peace of Mind", we are truly grateful.
Lexi's phone call just before Christmas made this holiday season brighter indeed. We would like to thank Lexi O'Leary and FPRS for their efforts on our behalf. After we have received the final documentation from FPRS, we will write to Jim Biggar, the Oscoda Township Zoning Administrator. He will receive our full endorsement for the services provided by FPRS.
Sincerely, Michael and Cheryl Sudds 7490 Cedar Lake Road Oscoda, MI 48750
Lexi,
Thank you for all you've done in helping me eliminate the high flood insurance I was paying on my home in Alpena, MI. You made the whole process go smoothly and I felt comfortable the whole time while you got the flood insurance eliminated from my monthly mortgage payment.
I've already recommended some of my mortgage customers here at Washington Mortgage Company to your company and will continue to do the same in the future.
Once again, thank you very much!
Patrick J. Adams 622 Thunder Bay Ave. Alpena, MI 49707
Dear Ms. O'Leary:
Thank you for your work toward the issuance of a full flood premium refund on our property. We always wondered by flood insurance was necessary at our location. This is a case where fees paid to you were an absolute bargain.
Very truly yours, Robert and Aida Edenholm 7177 William Rogers Road NE Indianola, Wa. 98342
To Whom It May Concern:
I highly recommend Flood Premium Reduction Services, to anyone who is buying a house, and it is in a flood plain. FPR Services (Lexi in particular) knowledge of the FEMA rules and regulations as well as paperwork requirement's was instrumental in me getting a total refund of my flood insurance premium monies.
Jim Caraher
TO WHOM IT MAY CONCERN:
After losing my job of 32 years and having the opportunity to go back to school, it became apparent that it would be a good idea to start looking into the process of refinancing our mortgage at a lower interest rate.
We went to our local bank where we had our original loan. We made application to refinance our mortgage. A few days later, our loan officer called and told us that flood insurance was required.
We called our insurance agent to inquire about flood insurance. He could not give us a direct quote. He claimed he had only done one other flood insurance policy for a home on a lake in Luck, Wisconsin. He told us we would be required to submit a Certificate of Elevation. This required us to have our land surveyed. After submitting the information, our agent called us back with a quote of $1,900.00. Mind you, our homeowners' insurance is only $300/annually.
We called our loan officer back. He told us that if we did not refinance, our original loan would not be affected. At that moment we decided to drop the process and leave well enough alone.
However, as the interest rates continued to drop, we became determined that there must be a place to refinance without having to obtain flood insurance. We ran across an advertisement of a mortgage company in Hudson, Wisconsin. The office was located right on the St. Croix River. The loan officer there assured us that he had done only one loan in the last ten years where flood insurance became an issue. This home was on an island. We agreed that if they could refinance our mortgage without having the additional cost of flood insurance, we would pursue it. A flood determination was done and it came back that our property was NOT in a Flood Zone A. In December, 2002 we proceeded with the financing. Closing went well and we believed that was the end of it. Not so!
In November 2003, 11 months later, we received a letter from Wells Fargo Bank stating they had audited our file and it was determined our property was in a Flood Zone A. We were required to obtain flood insurance. Our insurance agent was surprised as he still hadn't written any flood insurance in our area.
In the meantime, he sent us an article regarding Lexi O'Leary and FPRServices, Inc. The article was interesting. It stated that FPRServices dealt with FEMA on a daily basis and could help homeowners that were being mandated by their lenders to obtain this insurance. Though it got our attention, it was our thought... "this company is in Michigan and we are sitting in Wisconsin". We set the article aside.
We started to call for insurance rates with different agents. No one of them could help us. Things kept getting worse. The additional premium added to our monthly mortgage was definitely making a payment too high to handle. Would we have to sell our home?
Once again, we came across the article on Lexi O'Leary at FPRServices, Inc. Knowing we had exhausted all of our resources, we called Ms. O'Leary.
Immediately, Lexi was interested in learning more about our situation. She explained how her services worked and assured us she could help. Still very apprehensive, we moved forward. We sent Lexi all of the information. Within days, she was able to locate an agent who wrote flood insurance. The premium was affordable, only $300/year. But once again there was a glitch when the Underwriting Department of the insurance company received our application. Apparently, there was some confusion on how the survey was written. We now were notified our premium would be $2,100/year.
It only took one phone call to Lexi. Within hours, Lexi called to let us know things were taken care of. She told us our premium had been reduced back to $300/year. She also shad she would be taking the next step to pursue the LOMA to remove our property from Flood Zone A.
Finally after all this time and with Ms. O'Leary's expertise, we received notification from our lender that flood insurance is no longer required.
We are so relieved! This is our dream house on the lake. We raised our kids in this home, had all intentions of retiring here. Fortunately, with the help of Lexi O'Leary and FPRServices, Inc., our dream is still there.
Dear Lexi,
We would like to extend our appreciation to you and your staff. As you are aware, we were advised the evening prior to our closing on our Cedar Lake property that flood insurance was required. We secured the insurance for the closing but did not feel that this piece of property required flood insurance. After researching on the "web", we came across your company, Flood Premium Reduction Services, and telephoned for assistance.
You assured us that you would do all that you could to assist in proving that there was no need for the flood insurance. The process went smooth, at first. Then came the complication with our mortgage being sold and the run-around with two mortgage companies.If not for your commitment and tenacity to resolving this matter, we may still be on the FEMA merry-go-round! You just notified us that the matter has been resolved successfully and we should receive our refund in 30 days.
Thank you for keeping us up to date through the process. Thank you for the successful resolution.
Sincerely, Larry and Susan Sage
TO WHOM IT MAY CONCERN:
I recently purchased a home on Cedar Lake in Greenbush Township. Before closing, I was notified that I had to obtain a Federally mandated flood insurance policy. Naturally, this came as a surprise because I had not been informed of this mandate. Confused, I began to seek out answers but couldn't find anyone that could help.
In June I ran across an ad for Flood Premium Reduction Services, in the Cedar Lakes "Whispering Waters". I called and spoke with Lexi O'Leary. Lexi demonstrated a professionalism I seldom experience. She answered all my questions and was at my home the next day. Within two days my land was surveyed and she had begun the process. Was I paying flood insurance inappropriately, and was I entitled to a refund? Lexi began the process immediately to ensure my current year premium refund. While Flood Premium Reduction Services interfaces with my mortgage company, Chase Manhattan, my insurance company, the land surveyor and FEMA, Lexi was ahead of schedule at every complicated aspect of the process from my LOMA to securing my refund.
As it turned out, my flood insurance was eliminated and my current year's premium refunded. I would highly recommend using Flood Premium Reduction Services.
Sincerely, Carol D. Maples
To Whom It May Concern,
Early last summer, my wife and I decided it was a good time to refinance our home. With the low interest rates available, refinancing would result in a significant savings. A few days before closing on our new mortgage, we were informed that, because we were in a flood plain on Lake Huron, it would be necessary to purchase flood insurance. Needless to say, we were dumb founded and then we found out how much it cost. The savings on our new mortgage would be eaten up in flood insurance premiums.
As I explained our predicament to a friend, he told me a little about Flood Premium Reduction Services and told me to call. The rest is history. I called F.P.R.S. and talked to Lexi O’Leary and an appointment was made. When Lexi came to our home, my wife and I weren’t sure what, if anything, she could do for us. She explained her service to us, all the costs involved, what to expect and exactly what she would do to assist us in reducing or eliminating our flood insurance premium.My wife and I were so impressed with her presentation, her professionalism and her enthusiasm for her service, that we hired her immediately.
Lexi did exactly what she told us she would do. She had a surveyor in 2 days and the paperwork was begun. She handled all correspondence with F.E.M.A. (Federal Emergency Management Agency), our local bank and a sometimes "reluctant" local insurance agency. I was even told at our local bank how impressed they were with the way she conducted herself and represented our interests. Lexi was always accessible. Any time we called her office with questions or concerns, she was either there or promptly returned our calls (many of which were to our Florida residence) and put our minds at ease.
The end result of our association with Lexi and F.P.R.S. was a reduction of 90% in our flood insurance premium. It is with the utmost confidence that my wife and I would recommend her services to anyone who may be in an area classified as a flood plain. Her outgoing personality, dogged determination and knowledge of the specialized service she is offering, can only work to her client’s advantage.
Gratefully, Ronald J. Smith
Dear Lexi,
Thank you for providing the clarity regarding my placement, or lack there of, in the Special Flood Hazard Area. Independent Bank has wisely chosen you, to make sure, that they are providing the correct information to their customers
It seems as though you and your company has finally cleared up the mystery of mandatory flood insurance. I hope my letter of recommendation will serve to benefit others who have been confronted by the uncertainty involving the mandatory required flood insurance. There is nothing more comforting then being sure about one's position in a flood zone.
I would highly recommend your services to anyone who is concerned, confused or just wants to be certain of their position in the Special Flood Hazard Area.
Thanks again and keep up the good work!
Sincerely, Warren Libka
Dear Lexi,
I wanted to take this opportunity to thank you for your assistance with my flood insurance. Before going to you I was paying a huge flood insurance payment each year.
With your help, we not only were able to be taken off the flood insurance program, but received a refund in an amount that almost paid for your services.
I also want to say thank you for your professionalism. You were always there to answer my questions and always returned my calls. I will think of you each year when I don't have to pay for insurance I didn't need.
Thank you, Rick Dowd Greenbush, MI
Dear Lexi,
SUBJECT: PEACE OF MIND
Thank you so much for giving us peace of mind regarding our flood insurance requirement dilemma. As you know we had purchased our home 18 months ago. When we closed on our home we were not required to have flood insurance. Subsequently we refinanced our home recently with the same bank and again we did not have a requirement to obtain flood insurance. Shortly after our refinance we applied for a HELOC from another bank. We were informed by the bank on the day we closed our HELOC that we needed to purchase flood insurance. I was surprised to say the least. Here we were ready to close our HELOC and we encountered a serious road block. It was then that I solicited your services. Your quick response time and accurate summation of our situation allowed us to make a prudent decision. It also gave us peace of mind. Thank you for your help. I highly recommend your services to people who are in doubt of their requirement to obtain flood insurance.
