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Flood insurance is coverage against property loss due to flooding from rising water from heavy rains, hurricanes, and other storms. This type of coverage is not included in most homeowner’s insurance policies, and must be purchased separately. There are different types of water damage. Contact your provider to find out which types of damage are covered by homeowner’s insurance and which types are covered by flood insurance. Please note that the Federal Emergency Management Agency(F.E.M.A) defines the flood zones and can change them at any time.
Do I need flood insurance?
Federal law requires you to purchase flood insurance if your home is located in a Special Flood Hazard Area. Because F.E.M.A. defines these areas and can change flood zones at any time, MetLife continually monitors the requirements for your location. We will contact you if your house is moved into or out of a flood zone. For your protection, you may choose to purchase flood insurance even if you are not in one of these zones or required by your lender to have flood insurance.
Proof of flood insurance
Send the entire policy to the address below, or contact our Insurance department at 1-866-411-8905.
MetLife Home Loans
A Division of MetLife Bank N. A.,
Its Successors and / or Assigns
PO Box 7481
Springfield, OH 45501
Cancel my flood insurance
Flood insurance can only be cancelled in areas that do not require it. It is your responsibility to cancel the policy and obtain any resulting refunds from the provider. Contact our insurance department to cancel future scheduled payments from your escrow account at 1-866-411-8905.
My property is flooded—what next?
- Immediately contact your flood insurance provider--claims are not filed through your mortgage company. Sign in to find out who your flood insurance provider is.
- Is your home in a Disaster Area? Click Here or contact a Customer Service Representative at 1-866-638-4251.
