3-Hour Flood Insurance (NFIP) - Virginia

3-Hour Flood Insurance (NFIP) CE Course – Virginia

Approved by the Virginia Insurance Continuing Education Board | Provider #164929 ✅
Course ID: 229596 | Only $22.99 — No added or extra fees

Stay compliant and sharpen your flood insurance knowledge with this Virginia-approved 3-hour Flood Insurance (NFIP) continuing education course. It’s 100% online and self-paced, so you can log in and out anytime without losing your place. You’ll get an instant certificate of completion when you finish, and we report your CE credits within 24 hours.

Important: Virginia charges a $2.60 per CE credit hour “course credit hour fee” for reporting completions through Sircon. We do not add that fee at checkout.

Course Description & Benefits

Flood insurance is one of the most misunderstood lines of coverage, and small mistakes can create big E&O risk. This course focuses on the National Flood Insurance Program (NFIP), common client scenarios, lender-driven requirements, policy structure, rating basics, claims timelines, mapping changes, and ethical communication.

✅ Explain flood zones and why “not in a flood zone” does not mean “no risk”
✅ Understand NFIP policy types and when each applies (including condos)
✅ Handle lender questions confidently (mandatory purchase, limits, forced placement)
✅ Improve documentation and reduce E&O exposure with best practices
✅ Guide clients through claims, Proof of Loss expectations, and mitigation options

Who Should Take This Course

This course is designed for Virginia-licensed insurance producers who need approved CE hours and want practical flood insurance knowledge, including:

✅ Property & Casualty agents who sell or service homeowners policies
✅ Producers working with real estate transactions and lender requests
✅ Agents who advise clients on flood coverage options, renewals, and claims support
✅ Insurance professionals who want to reduce errors and improve disclosures

Virginia Insurance License Renewal Requirements

Virginia insurance producers must complete 24 total CE hours during each 2-year renewal period, including 3 hours of Ethics. Your CE must be completed and posted before you renew.

This course provides 3 approved CE hours toward the 24-hour requirement (this course is not an Ethics course).

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

✅ Step 1: Confirm your renewal deadline
Locate your license expiration date and confirm your remaining CE hours.

✅ Step 2: Complete your required CE hours
Finish 24 total hours (including 3 Ethics) during your 2-year renewal period.

✅ Step 3: Take this 3-hour Flood Insurance (NFIP) course online
Self-paced, mobile-friendly, and you can log in/out anytime without losing progress.

✅ Step 4: Get your instant certificate
Download your certificate immediately after completion for your records.

✅ Step 5: We report your credits within 24 hours
Once posted, you can complete your renewal.

Need help? Call or text 1-800-698-2770.

Topics Covered (Course Outline)

Hour 1: NFIP Foundations, Compliance, and Core Concepts
✅ NFIP purpose, federal authority, and how program partners work together
✅ Community participation, floodplain management, and mitigation incentives
✅ Flood zones, SFHAs, BFEs, and how elevation data impacts compliance and pricing
✅ NFIP policy forms (Dwelling, General Property, RCBAP) and when each applies
✅ Mandatory purchase requirements tied to federally related loans
✅ Producer responsibilities: disclosures, documentation, advertising accuracy, and recordkeeping

Hour 2: Rating, Underwriting, and Policy Mechanics
✅ Key rating variables and how risk factors influence premium
✅ Required underwriting data and how to validate submissions
✅ Building vs. contents coverage, limits, deductibles, waiting periods, ICC, and exclusions
✅ Valuation concepts and property features that affect coverage treatment
✅ Endorsements, cancellations, refunds, renewals, and policy transfers
✅ Condo and lender scenarios: RCBAP vs. unit-owner coverage and coverage layering

Hour 3: Claims, Mitigation, Mapping Changes, and Ethical Practice
✅ Claims lifecycle: notice of loss, inspections, Proof of Loss expectations, and documentation
✅ Substantial damage concepts and mitigation-related claim considerations (including ICC concepts)
✅ Map revisions and how to handle changes that affect zones or BFEs
✅ Mitigation strategies and how they can impact risk and cost over time
✅ Ethical sales practices: clear communication of limits and exclusions
✅ E&O prevention: checklists, accurate applications, and durable records

Why Choose 1st Choice Continuing Education

✅ $22.99 — No added or extra fees
✅ 100% Online & Self-Paced
✅ Log in/out anytime without losing progress
✅ Instant certificate of completion
✅ Credits reported within 24 hours
✅ Money-back guarantee
✅ Trusted CE provider with 10+ years of experience
✅ Support by phone or text: 1-800-698-2770

Support When You Need It

✅ Have a question about Virginia insurance CE, the Virginia Insurance Continuing Education Board, or this course? Call or text us at 1-800-698-2770.

We also speak Spanish.

Enroll Now

✅ Enroll in the 3-Hour Flood Insurance (NFIP) course for Virginia for $22.99 and complete your flood CE today.