Q: My mortgage company did not require me to purchase flood insurance. Is there any chance I can recover?

A: Yes. We are finding that many flood certificates were false which misled you into thinking you were not in a flood zone but in reality you were and flood insurance should have been required. What we mean by this is that the engineer never actually determined the location of your home on a flood map. As a result, you may not have been required by the mortgage company to have flood insurance at the loan closing on your property.