Hi Doug,
No Bot here, however, I could likely benefit from being able to do repetitive functions the same way every time. 
You are not unusual (unfortunately), when it comes to flood insurance, most people believe that they will never have a flood loss and opt out of carrying flood insurance if they can, or will drop it as soon as they get a LOMA or pay off their loan.
I am guessing this is because most are “forced” to purchase flood insurance if they live in a High-risk flood zone (SFHA) and the lender forces homeowners to buy flood insurance because they have a loan. And on the government flood program since they have had a monopoly for over 50-years premiums have gotten out of control!!
EVERY property is in a flood zone and Every property has a 28% of flooding any given year.
We just don’t know what mother nature is going to do.
Are you willing to risk it and possibly add this home to the loss list yet do it without flood insurance?
Maybe you are the small percentage of finally independent individuals and can afford a $40,000 exposed to risk, however, most that have money protect it and insurance is the way they do so. I can guarantee that most that have means have it because they don’t leave anything exposed to their wealth.
Insurance is something you wish and hope to never use. Life insurance we don’t get to use but our survivors are taken care of. The peace that brings is priceless. Real estate and most peoples home are their main asset and smart individuals that have and want financial freedom cover their risk.
To insure or not is a very personal decision thanks for engaging with me to chat about your risk, now you have more information and when you decide you want to not worry about the chance of flood when that hurricane is 15 days out give me a call.
Doug, Great questions let me know if you have more
AT your service kind regards Robert Your flood nerd
