Name:   Osms - Subject:   FEMA didn't get you, mortgage company did. Date:   5/2/2014 9:36:54 AM

Toni, I got back 100% of what I paid in, and I was told by the State flood guy that was the policy.  Maybe it has changed.  One thing may also be possible.  The homeowner has to buy FEMA Flood via a local agent and then that agent is paid back by FEMA and then the agent is refunding the homeowner.  The agent winds up holding the empty bag, because he gets nothing for his trouble, so maybe, maybe an agent held out part of the premium to recoup his costs.  Not accusing, just don't know.