Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; WP_MatchesMapRegex has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-includes/class-wp.php on line 635

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; Translation_Entry has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-includes/pomo/entry.php on line 14

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; POMO_Reader has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-includes/pomo/streams.php on line 12

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; POMO_FileReader has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-includes/pomo/streams.php on line 106

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; POMO_StringReader has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-includes/pomo/streams.php on line 150

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; POMO_CachedFileReader has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-includes/pomo/streams.php on line 189

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; POMO_CachedIntFileReader has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-includes/pomo/streams.php on line 204

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; WP_Widget_Factory has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-includes/widgets.php on line 405

Warning: Declaration of P_Photocrati_NextGen::define() should be compatible with C_Base_Product::define($id = 'pope-produ...', $name = 'Pope Produ...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/product.photocrati_nextgen.php on line 72

Warning: Declaration of M_Fs::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/fs/module.fs.php on line 34

Warning: Declaration of M_Router::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/router/module.router.php on line 50

Warning: Declaration of M_I18N::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/i18n/module.i18n.php on line 202

Warning: Declaration of M_Validation::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/validation/module.validation.php on line 30

Warning: Declaration of M_WordPress_Routing::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/wordpress_routing/module.wordpress_routing.php on line 61

Warning: Declaration of M_Security::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/security/module.security.php on line 54

Warning: Declaration of M_Lzw::define($context = false) should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/lzw/module.lzw.php on line 36

Warning: Declaration of M_NextGen_Settings::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/nextgen_settings/module.nextgen_settings.php on line 36

Warning: Declaration of M_MVC::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/mvc/module.mvc.php on line 65

Warning: Declaration of M_Ajax::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/ajax/module.ajax.php on line 96

Warning: Declaration of M_Dynamic_Stylesheet::define($context = false) should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/dynamic_stylesheet/module.dynamic_stylesheet.php on line 51

Warning: Declaration of M_Frame_Communication::define($context = false) should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/frame_communication/module.frame_communication.php on line 64

Warning: Declaration of M_DataMapper::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/datamapper/module.datamapper.php on line 212

Warning: Declaration of M_NggLegacy::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/ngglegacy/module.ngglegacy.php on line 50

Warning: Declaration of M_NextGen_Data::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/nextgen_data/module.nextgen_data.php on line 117

Warning: Declaration of M_Dynamic_Thumbnails::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/dynamic_thumbnails/module.dynamic_thumbnails.php on line 51

Warning: Declaration of M_NextGen_Admin::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/nextgen_admin/module.nextgen_admin.php on line 151

Warning: Declaration of M_NextGen_AddGallery_Page::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/nextgen_addgallery_page/module.nextgen_addgallery_page.php on line 63

Warning: Declaration of M_NextGen_Pagination::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/nextgen_pagination/module.nextgen_pagination.php on line 28

Warning: Declaration of M_Gallery_Display::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/nextgen_gallery_display/module.nextgen_gallery_display.php on line 368

Warning: Declaration of M_Attach_To_Post::define($context = false) should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/attach_to_post/module.attach_to_post.php on line 411

Warning: Declaration of M_NextGen_Other_Options::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/nextgen_other_options/module.nextgen_other_options.php on line 87

Warning: Declaration of M_NextGen_Pro_Upgrade::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/nextgen_pro_upgrade/module.nextgen_pro_upgrade.php on line 36

Warning: Declaration of M_MediaRss::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/mediarss/module.mediarss.php on line 44

Warning: Declaration of M_Cache::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/cache/module.cache.php on line 40

Warning: Declaration of M_Lightbox::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/lightbox/module.lightbox.php on line 321

Warning: Declaration of M_NextGen_Basic_Album::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/nextgen_basic_album/module.nextgen_basic_album.php on line 148

Warning: Declaration of C_NextGen_Basic_Album_Installer::install() should be compatible with C_Gallery_Display_Installer::install($reset = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/nextgen_basic_album/class.nextgen_basic_album_installer.php on line 25

Warning: Declaration of M_NextGen_Basic_Templates::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/nextgen_basic_templates/module.nextgen_basic_templates.php on line 50

Warning: Declaration of M_NextGen_Basic_Gallery::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/nextgen_basic_gallery/module.nextgen_basic_gallery.php on line 244

Warning: Declaration of C_NextGen_Basic_Gallery_Installer::install() should be compatible with C_Gallery_Display_Installer::install($reset = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/nextgen_basic_gallery/class.nextgen_basic_gallery_installer.php on line 27

Warning: Declaration of M_NextGen_Basic_ImageBrowser::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/nextgen_basic_imagebrowser/module.nextgen_basic_imagebrowser.php on line 126

Warning: Declaration of C_NextGen_Basic_ImageBrowser_Installer::install() should be compatible with C_Gallery_Display_Installer::install($reset = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/nextgen_basic_imagebrowser/class.nextgen_basic_imagebrowser_installer.php on line 17

Warning: Declaration of M_NextGen_Basic_Singlepic::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/nextgen_basic_singlepic/module.nextgen_basic_singlepic.php on line 127

Warning: Declaration of C_NextGen_Basic_SinglePic_Installer::install() should be compatible with C_Gallery_Display_Installer::install($reset = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/nextgen_basic_singlepic/class.nextgen_basic_singlepic_installer.php on line 16

Warning: Declaration of M_NextGen_Basic_Tagcloud::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/nextgen_basic_tagcloud/module.nextgen_basic_tagcloud.php on line 146

Warning: Declaration of C_NextGen_Basic_Tagcloud_Installer::install() should be compatible with C_Gallery_Display_Installer::install($reset = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/nextgen_basic_tagcloud/class.nextgen_basic_tagcloud_installer.php on line 21

Warning: Declaration of M_Widget::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/widget/module.widget.php on line 54

Warning: Declaration of M_Third_Party_Compat::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/third_party_compat/module.third_party_compat.php on line 387

Warning: Declaration of M_NextGen_XmlRpc::define() should be compatible with C_Base_Module::define($id = 'pope-modul...', $name = 'Pope Modul...', $description = '', $version = '', $uri = '', $author = '', $author_uri = '', $context = false) in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/nextgen_xmlrpc/module.nextgen_xmlrpc.php on line 630

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; nggLoader has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/ngglegacy/nggallery.php on line 10

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; NextGEN_shortcodes has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/ngglegacy/lib/shortcodes.php on line 11

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; nggMeta has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/ngglegacy/lib/meta.php on line 12

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; nggRewrite has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/nextgen-gallery/products/photocrati_nextgen/modules/ngglegacy/lib/rewrite.php on line 13

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; CPTO has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/post-types-order/post-types-order.php on line 364

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; WYSIJA_object has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/wysija-newsletters/core/base.php on line 16

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; WYSIJA_help has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/wysija-newsletters/core/base.php on line 211

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; WYSIJA has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/wysija-newsletters/core/base.php on line 386

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; WYSIJA_model has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/wysija-newsletters/core/model.php on line 3

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; WYSIJA_model_config has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/wysija-newsletters/models/config.php on line 3

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; WYSIJA_help_forms has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/wysija-newsletters/helpers/forms.php on line 4

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; WYSIJA_help_front has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/wysija-newsletters/helpers/front.php on line 6

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; WYSIJA_control has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/wysija-newsletters/core/controller.php on line 5

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; WYSIJA_view has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/wysija-newsletters/core/view.php on line 3

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; WYSIJA_view_front has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/plugins/wysija-newsletters/views/front.php on line 3

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; thinkup_widget_categories has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/themes/engrave-lite/lib/widgets/categories.php on line 13

Deprecated: Methods with the same name as their class will not be constructors in a future version of PHP; thinkup_widget_flickr has a deprecated constructor in /services/webpages/util/i/n/insu26.attwebspace.com/insure-smart.com/public/wp-content/themes/engrave-lite/lib/widgets/flickr.php on line 13

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Preferred Risk Policy Eligibility Extension - Insure Smart
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Welcome To Insure Smart

Preferred Risk Policy Eligibility Extension


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Preferred Risk Policy Eligibility Extension

There’s good news for property owners who have been newly mapped into a high-risk flood area since October 1, 2008. The National Flood Insurance Program (NFIP) offers a cost-saving insurance option that may benefit them. If a structure has been newly mapped into a high-risk flood area on or after October 1, 2008, the property owner may be eligible for significant savings with the NFIP’s Preferred Risk Policy Extension. This extension provides temporary financial relief and additional time to save while FEMA completes its analysis and implementation of premium rate revisions put in place by the Biggert-Waters Flood Insurance Reform Act of 2012.

Fact Sheet

The National Flood Insurance Program (NFIP) offers the Preferred Risk Policy (PRP) Eligibility Extension, a cost-saving flood insurance coverage option for property owners whose buildings are newly mapped into a high-risk flood area.

FLOOD MAPS CHANGE – FLOOD RISKS CHANGE

Since 2003, FEMA has led a major effort to update the nation’s flood maps to reflect current flood risks. FEMA is continuing to provide new maps through a program known as Risk MAP (Risk Mapping, Assessment & Planning). The new maps are digital, easily accessible, and represent the most accurate flood risk data available.
As new maps have been issued, many property owners have learned that their risk of flooding has changed. And for some, the change has meant new flood insurance requirements. If a building in a moderate- to low-risk flood zone is mapped into a high-risk Special Flood Hazard Area (SFHA), most lenders will require flood insurance.
Before January 2011, a property owner could buy a lower-cost Preferred Risk Policy (PRP) before the new flood maps became effective, but the policy converted to a more expensive standard-rated policy at subsequent renewals. On January 1, 2011, FEMA extended PRP eligibility, allowing the lower-cost PRP to be written for two years after a revised flood map’s effective date.
Beginning January 1, 2013, FEMA continues to make the PRP available for properties that were newly mapped into an SFHA since October 1, 2008, even after the two-year extension ends. The PRP option will continue until FEMA completes its analysis and implementation of premium rate revisions put in place by the Biggert-Waters Flood Insurance Reform Act of 2012.

ELIGIBILITY FOR THE PRP EXTENSION

To be eligible for the PRP, the building must meet certain loss-history requirements. If there have been two disaster relief payments, or claims for flood losses of $1,000 or more, or three losses of any amount, the structure is ineligible for a Preferred Risk Policy.

Owners of buildings that meet the loss history requirements and were newly mapped into a high-risk flood zone (shown on a flood map as a zone beginning with the letter “A” or “V”) since October 1, 2008, are eligible for a PRP. Property owners should contact their insurance agent to obtain or renew their insurance using this low-cost option.
Insurance agents will be required to provide documentation to their insurance company showing that the building is eligible for the PRP extension, including the current and prior map information. Both historic and current flood maps can be found on FEMA’s mapping website (http://msc.fema.gov). The community’s floodplain manager also should have the maps on file.

STAY PROTECTED AND SAVE

Property owners need to understand that they still are at a high risk for flooding. This extension provides them additional time to save and prepare for paying for the full risk premium when it is implemented. The extension also provides more time for the community to upgrade or mitigate flood control structures to meet FEMA standards and reduce the flood risk.

For additional information about flood insurance and the PRP Extension, visit www.FloodSmart.gov and www.FloodSmart.gov/PRPExtension or call the NFIP Help Center at 1-800-427-4661.

2 Comments

  1. Reply Armando

    No. Actually, in some cases, you can’t do that. Flood insurance is funny it’s colmpetely controlled by the National Flood Insurance Plan, a division of FEMA. You HAVE to follow their rules. You cannot just insure for the lowest amount of coverage , aka, the mortgage balance on the house. You will have to insure for 80% of the replacement value of the house (you do NOT have to insure contents!), but there is a maximum dollar amount that you can insure I THINK it’s $250,000 for a single family home, but it’s been a while. You can’t just pick $35,000 to insure the house (say, the loan balance) because the flood policy has an 80% coinsurance clause. That means, if you only partially insure the house, they only partially pay the claim. So, if you had a claim, with $40,000 of damage, they would pay . . . not $35,000 less your deductible, but closer to $20,000 which leaves the bank holding a note on a house that YOU can’t afford to repair, and they don’t want to end up owning it!Flood rates and terms are set by the federal government, so there isn’t any negotiation room.**Also. Check with your mortgage company. Just because your area *might* be re-rated (ok, it will LIKELY be rerated, but that doesn’t mean you won’t be in a 100 year flood plain any more!), that does NOT change the original terms of the mortgage. So if the ORIGINAL mortgage terms require that you buy flood insurance, THOSE TERMS DON’T CHANGE WHEN YOUR AREA IS RERATED. You’ll have to get another mortgagee, if you’re not going to be in a 100 year flood zone. Additionally, if you DO decide to change mortgages, keep in mind that when you CANCEL your flood policy, you do NOT get a refund on any unearned premium, unless you can prove you sold the house. Being changed from a flood zone A to a B, meaning you don’t have to carry flood insurance, does NOT allow you to cancel the policy and get any kind of refund, and you are NOT eligible for a re-rate until the renewal date.

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