Cookie Policy

Disclaimers:

1. Information collected will be shared with insurance carriers to return quotes.  A quote does not establish a contract for coverage. A policy will only become in effect when an application is returned signed and payment is made.
2. Consumer Responsibility: it is the consumer's responsibility to provide accurate information to place property with insurance including effective policy term start date (including any changes to property sale closing dates if for a new policy), confirming the accuracy of the carriers declarations page and that the policy is paid - either by lender escrow or self before term expiration.  Consumer is responsible to maintain the accuracy of their policy including to but not limited to contact information (phone, email, physical mailing address), insured address, coverages, what is covered, responsible payee (escrow or insured), deductibles, mortgagee clause address, named insured, insured property sale date.  
3. Consumer is responsible for keeping their policy up to date.  Notify Modern Flood Insurance Services Inc. of any policy changes in a timely manner. 
4. Cancellation guidelines are established by individual carriers.  Carriers may retain a minimum earned premium for paid in full policies.  Please refer to policy documents for what is covered, claims handling, cancellations guidelines, including refunds and prorated refund policies. 
5. This website is for general information purposes only and is not intended to provide legal, tax, or regulatory advice.  This website is not responsible for the content of any third party sites referenced.
6. Each insurance carrier (FEMA, Admitted, or Surplus lines) has sole financial responsibility for their products and services.
7. Please contact the agency for insurance quotes, policy review, and questions.

Cookies: The Website may use “cookie” technology for such purposes as enhancing your online experience by making it easier for you to navigate through the Website and making certain features work better. Cookies are text files which are commonly deposited by websites on a user's hard drive when the user visits a website. The file identifies a user's computer and can record the user's preferences and other data about the user's website visit. We do not extract information about individual users during this process. Your web browser may enable you to disable cookies, but please note that certain services may not function correctly without it and your experience on our Website may be hindered.

Third Party Cookies: We may use third-party advertising companies to serve ads on our behalf across the Internet. These companies may collect and use information about your visits to this and other websites and your interaction with our products and services in order to provide advertisements about goods and services of interest to you. However, no personally identifiable information (such as your name, address, email address or telephone number) will be connected with such information. They may use information about your visits to this and other websites to target advertisements for goods and services, and may be used to keep track of user response to each advertisement. These targeted advertisements may appear on our Websites or on other sites that you visit. The anonymous information is collected through the use of a pixel tag or cookies, which are industry standard technologies used by most major websites. If you do not want such companies to collect this information, you may opt out.

Please note that if you delete your cookies, use a different browser, or buy a new computer, you will need to renew your opt-out choice.