Course Description

3-Hour Flood Insurance (NFIP) – Florida

 

✅ Approved by the Florida Department of Financial Services (DFS)
Course ID: 136900 | Provider #: 374697
School Official ID: 2578229

Price: $15.99 — No added fees
✅ No Florida filing fee required

This 3-hour Flood Insurance CE course is 100% online and self-paced for Florida insurance licensees. Complete the course on your schedule, log in and out anytime, receive your instant certificate of completion, and we’ll report your CE credits to the state within 24 hours.

Who Should Take This Course?

This course is designed for Florida insurance professionals, including:

✅ Property & Casualty Insurance Agents
✅ Flood Insurance Producers
✅ Insurance Adjusters handling flood claims
✅ Agency Owners and Licensed Insurance Staff

Florida CE & Renewal — What to Know (Important)

Florida insurance licensees must complete 24 total CE hours every 2-year license renewal cycle.

Key renewal requirements include:
✅ 5 hours of Law & Ethics are required per renewal period
✅ Remaining hours may include approved subject-matter courses such as Flood Insurance
✅ CE must be completed by your license expiration date
✅ Credits must be reported by an approved Florida CE provider

This course counts toward your approved Florida CE subject-matter hours.

How to Renew Your Florida Insurance License (Step-by-Step)

1. Confirm your Florida CE requirements for your license type
2. Enroll in this 3-Hour Flood Insurance course
3. Complete the course online at your own pace
4. Receive your instant certificate of completion
5. We report your CE credits within 24 hours
6. Verify your credits are posted
7. Complete your standard Florida license renewal

What You’ll Learn — Course Outline

Hour 1: NFIP Foundations, Compliance, and Core Concepts

✅ Purpose and federal authority of the National Flood Insurance Program (NFIP)
✅ FEMA, insurers, and community coordination to reduce flood losses
✅ Community participation, floodplain management, and CRS incentives
✅ Flood zones (A, AE, AO, AH, V, VE, X), SFHAs, BFEs, and Elevation Certificates
✅ Standard Flood Insurance Policy forms (Dwelling, General Property, RCBAP)
✅ Mandatory purchase rules and producer compliance responsibilities

Hour 2: Risk Rating 2.0, Underwriting, and Policy Mechanics

✅ Risk Rating 2.0 variables and premium determination
✅ Required underwriting data and validation methods
✅ Building vs. contents coverage, limits, deductibles, ICC, and exclusions
✅ Replacement Cost vs. ACV and basement/enclosure treatment
✅ Endorsements, cancellations, refunds, and policy transfers
✅ Condo, lender, and small-business flood scenarios

Hour 3: Claims, Mitigation, Mapping Changes, and Ethical Practice

✅ Flood claims lifecycle and Proof of Loss timelines
✅ Substantial damage determinations and ICC mitigation claims
✅ Map revisions (LOMA/LOMR-F) and newly mapped properties
✅ Mitigation strategies and premium impacts under Risk Rating 2.0
✅ Ethical sales practices and client communication standards
✅ Reducing E&O exposure through documentation and compliance

Why Choose 1st Choice CE?

✅ Instant certificate of completion
✅ Log in/out anytime without losing progress
✅ We report credits to the state within 24 hours
✅ Money-back guarantee
✅ Trusted provider for 10+ years
✅ Support by call or text: 1-800-698-2770

Need More Florida CE Hours?

✅ 

✅ Florida 4-Hour Annuity Best Interest – $15.99
https://1stchoice-ce.com/courses/checkout/florida/4-hr-annuity-best-interest-suitability

✅ 

FAQ

Is this course approved in Florida?
Yes. It is approved by the Florida Department of Financial Services (DFS).

How many CE hours does this course provide?
This course provides 3 CE hours.

Are there any extra fees?
No. Florida does not require a filing fee for this course.

Do I receive my certificate immediately?
Yes. You receive an instant certificate of completion.

How quickly are CE credits reported?
Credits are reported within 24 hours.

Can I log in and out without losing progress?
Yes. Your progress is saved.

Is the course self-paced?
Yes. Complete it entirely on your schedule.

What is the refund policy?
This course includes a money-back guarantee.

Who do I contact for help?
Call or text 1-800-698-2770.

Does this course count toward license renewal?
Yes. It counts toward Florida CE renewal requirements.

Course Details

• Approved by the Florida Department of Financial Services
• Approved Provider #374697
• Approved Course #166900
• Instant Access - Online Course.
• Study At Your Own Pace. Anytime.
• On Any Device. Phone, Tablet, or Computer.
• Hassle Free Navigation. Easy to Follow.
• Certificate emailed immediately upon completion.
• 1-800-698-2770 for any questions.