The Simply Flood Podcast with Lisa Sharrard cover art

The Simply Flood Podcast with Lisa Sharrard

The Simply Flood Podcast with Lisa Sharrard

Written by: Lisa Sharrard
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Flood insurance doesn't have to be confusing.


Welcome to The Simply Flood Podcast, where flood insurance expert Lisa Sharrard helps homeowners, homebuyers, real estate professionals, and insurance agents understand flood insurance with clear, practical advice.


While many agents don't specialize in it, Lisa has spent nearly 40 years in floodplain management, FEMA programs, the National Flood Insurance Program (NFIP), and flood insurance. She breaks down complex topics into straightforward information you can actually use. New episodes are released every three weeks, covering flood insurance, policy updates, industry trends, real-world scenarios, and flood preparedness. You'll also find bonus reaction episodes whenever major flooding events or breaking industry news happen. If you're looking for trusted expertise and practical guidance, you're in the right place. Subscribe and join us.


About Lisa Sharrard

Lisa A. Sharrard is the founder of Choice Flood Insurance and owner of Simply Flood LLC, and has spent nearly 40 years serving the flood insurance and floodplain management industry. She has worked at every level of the profession—from state floodplain management and FEMA grant programs to training NFIP underwriters and customer service representatives, consulting with communities, and helping thousands of property owners secure the right flood coverage.


Lisa is a Certified Floodplain Manager (CFM), Associate in National Flood Insurance (ANFI), Certified Public Manager (CPM), and has served in numerous leadership roles, including Chair of the Association of State Floodplain Managers (ASFPM). Today, she specializes exclusively in flood insurance, helping consumers, adjusters, real estate professionals, and insurance agents navigate both NFIP and private flood insurance options with confidence.


Her mission is to provide expert guidance, clear education, and straightforward answers so people can make informed decisions before the next flood, not after.

Hosted on Acast. See acast.com/privacy for more information.

Lisa Sharrard Earth Sciences Political Science Politics & Government Science
Episodes
  • This FEMA Change Could Impact Your Premiums

    This FEMA Change Could Impact Your Premiums
    Oct 15 2026
    FEMA’s approach to flood insurance pricing is changing, and it could mean significant premium differences for homeowners.Lisa Sharrard explains FEMA’s shift from “FEMA Determined” to “FEMA Assumed” first-floor heights and what it could mean for new flood insurance quotes. In this episode, Lisa covers:
    • Why FEMA stopped using a third-party vendor to determine first-floor height
    • What FEMA Assumed foundation heights mean
    • How the change may affect flood insurance premiums
    • Why elevation certificates may become more important
    • What homeowners need to know about Sections A, B, C and H
    • How an elevation certificate could potentially help lower premiums
    • What to check on your current flood insurance quote
    • What to consider before making changes to an application
    Lisa also discusses potential premium differences ranging from hundreds to several thousand dollars, depending on the property, and why clear communication from FEMA is needed as the industry works to understand the change.


    Have questions about your flood insurance quote? Talk with your insurance professional and check whether your first-floor height is listed as FEMA Assumed or FEMA Determined.


    Subscribe to Simply Flood for practical information about flood insurance, flood risk, mitigation and protecting your home.#FloodInsurance #FEMA #NFIP #FloodInsurancePricing #FloodRisk #ElevationCertificate #SimplyFlood

    Connect with Lisa on LinkedIn 👉 https://www.linkedin.com/in/floodadvocate/


    This podcast is for informational purposes only and does not constitute medical, legal, or financial advice. Please consult with a professional for specific advice tailored to your situation. Information on the topics discussed that are subject to change due to ongoing research and new discoveries, programmatic, regulatory and/or congressional change. Always consult current sources. The views expressed in this podcast are solely those of the host/guests and do not necessarily reflect the official policy or position of any agency or company or our sponsors.

    Hosted on Acast. See acast.com/privacy for more information.
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    4 mins
  • What Homeowners Don't Know About the Flood Claim Process

    What Homeowners Don't Know About the Flood Claim Process
    Sep 29 2026
    Flood damage can be overwhelming, but knowing how the flood insurance claims process works can make a major difference.Host Lisa Sharrard sits down with experienced flood adjusters Keith Fountain and Clinton Miller of Fountain Group Adjusters to break down what homeowners, insurance agents, and flood insurance professionals need to know about navigating a flood claim.From documenting damage before cleanup begins to understanding how adjusters prioritize catastrophe claims, this conversation provides practical insight into what happens after a flood and how policyholders can be better prepared.In this episode, we discuss:• How to prepare for a flood claim before a loss ever happens• What homeowners should do during the first 48 hours after filing a claim• Why photos and documentation are critical to a successful flood claim• What evidence homeowners often fail to preserve• How to document personal property and building damage• Why damaged items shouldn't automatically be thrown away• NFIP vs. private flood insurance claims• How flood adjusters prioritize claims after a catastrophe• What homeowners can realistically expect regarding claim timelines• Replacement cost vs. actual cash value• The role of independent and public adjusters• What happens when a flood claim is denied or underpaid• The FEMA flood claim appeals process• Supplemental claims and requests for additional payment• Common documentation mistakes that can affect a claim• Why prior flood claims and completed repairs need to be documentedKeith Fountain and Clinton Miller bring decades of flood claims experience to the conversation, offering insight into the claims process from the adjuster's perspective. Check out Fountain Group Adjusters at https://fgclaims.com/.▶️ Watch and subscribe on Youtube https://lnkd.in/eSc88CEh🎧 Listen to the latest episode of Simply Flood wherever you get your podcasts.🌟 Thank you to our supporting sponsor, National General! Check them out and request a quote at https://nationalgeneral.com/🌟 And thank you to our premium sponsor, Choice Flood Insurance LLC! Check them out at https://lnkd.in/eBXuvGy8 and schedule a consultation to learn more about how Choice can protect your home from flood.#FloodInsurance #FloodClaims #NFIP #FloodDamage #InsuranceClaims #FEMA #FloodRecovery #InsuranceAgents #ClaimsAdjuster #FloodRisk #InsuranceAdjusting #CFM #ANFI #NCAFPM #ASFPM #IIANC #FAIA #ExtremeWeather #SimplyFlood #FloodplainManagement #FloodRisk #FloodAwareness #Podcast #Flood #Floodplain #CFM #ANFI #NCAFPM #ASFPM #IIANC #FAIA #LargeLoss #EmergencyResponse #CommercialRestoration #WaterDamage #DesiccantDrying #DisasterRecovery #Mitigation #Teamwork #RestorationIndustry #ClaimsAdjusting#FloodInsurance #FloodClaims #NFIP #FloodDamage #InsuranceClaims #FEMA #FloodRecovery #InsuranceAgents #ClaimsAdjuster #FloodRiskConnect with Lisa on LinkedIn 👉 https://www.linkedin.com/in/floodadvocate/This podcast is for informational purposes only and does not constitute medical, legal, or financial advice. Please consult with a professional for specific advice tailored to your situation. Information on the topics discussed that are subject to change due to ongoing research and new discoveries, programmatic, regulatory and/or congressional change. Always consult current sources. The views expressed in this podcast are solely those of the host/guests and do not necessarily reflect the official policy or position of any agency or company or our sponsors. Hosted on Acast. See acast.com/privacy for more information.
    Show More Show Less
    43 mins
  • Flood Mitigation: What Homeowners Need to Know After a Flood

    Flood Mitigation: What Homeowners Need to Know After a Flood
    Sep 22 2026

    After a flood, the clock is ticking—and the decisions you make during the first few days can affect how your claim is handled.


    In this episode of The Simply Flood Podcast, Lisa sits down with Craig Fowler of CNC Catastrophe and National Claims, who has more than 30 years of experience in the claims industry, to talk about one of the most important, and often misunderstood, parts of a flood claim: structural drying and mitigation.


    Craig explains what homeowners should know before signing a contract with a mitigation company, why documentation matters, and how drying logs can affect what gets reimbursed under a flood policy.


    One of the biggest takeaways? Don't wait until a flood happens to learn how your flood insurance works. Understanding your coverage and responsibilities ahead of time can make an already difficult situation much easier to navigate.


    Check out these resources:


    - FEMA Drying Bulletin https://drive.google.com/file/d/16TR5KkY0WXtI00k29GPMXsO0Por6XZED/view?usp=sharing


    - FIMA/FEMA Appeal Decision C26 https://drive.google.com/file/d/1VGs8pThMs1KSo0QNrmS3IKRsGH0CF1dC/view?usp=sharing


    🌟 And thank you to our premium sponsor, Choice Flood Insurance LLC! Check them out at https://choicefloodinsurance.com/ and schedule a consultation to learn more about how Choice can protect your home from flood.


    #SimplyFlood #FloodInsurance #FloodplainManagement #FloodRisk #FloodAwareness #Podcast #Flood #Floodplain #CFM #ANFI #NCAFPM #ASFPM #IIANC #FAIA #LargeLoss #EmergencyResponse #CommercialRestoration #WaterDamage #DesiccantDrying #DisasterRecovery #Mitigation #Teamwork #RestorationIndustry

    Connect with Lisa on LinkedIn 👉 https://www.linkedin.com/in/floodadvocate/


    This podcast is for informational purposes only and does not constitute medical, legal, or financial advice. Please consult with a professional for specific advice tailored to your situation. Information on the topics discussed that are subject to change due to ongoing research and new discoveries, programmatic, regulatory and/or congressional change. Always consult current sources. The views expressed in this podcast are solely those of the host/guests and do not necessarily reflect the official policy or position of any agency or company or our sponsors.

    Hosted on Acast. See acast.com/privacy for more information.
    Show More Show Less
    47 mins
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