Private flood is working and Lloyds is the backer. This is considered Surplus lines so it is not guaranteed by our government, but it is by Lloyds of London and they have plenty of money. For all of those getting these high rates, please call us and we will shop out your Flood policy and other policies as well. The rates in Fort Lauderdale, Miami Tampa, Tarpon Springs and other Key areas here in Florida. There is still a bill passing through the Legislators in Florida which should allow the program to expand as well. Please call L & S at 1-888-244-7400 for quotes on Home, Auto, Flood, Business & Commercial, & Life & Financial products as well. Please enjoy the full article below.