Sounds like the Private Market which has some risks, will still likely be a better place for clients then through FEMA. Please read the full article below to see this process in motion. Please call L & S Insurance at 1-888-244-7400 for quotes On Home, Flood, Auto, Business & Commercial, and Life & Financial products as well.

http://www.insurancejournal.com/news/national/2014/01/24/318297.htm