A few years back, I contributed an article (The Coastal Coverage Challenge, October 2008) to American Agent & Broker that outlined some of the numerous challenges agencies face in writing insurance in the coastal areas of the U.S. What has changed since then?
A customer may not know what flood zone in which he or she lives, but agents have that kind of information at their fingertips; it's easily accessible from The National Flood Insurance Program (NFIP),
Writing insurance in the coastal areas of the United States always seems to present more of a challenge to agencies than writing similar policies in non-coastal areas. Is this because it is by nature harder to write