To the Editor:

I have been carrying government flood insurance for the past 45 years, sometimes, with the business, three separate policies. Several times I have inadvertently paid both the mortgagee bank and flood company for the same policy, but I have always received reimbursement for my mistakes.

On July 7, I wrote a check and mailed it for our annual flood insurance premium. However, as the check wasn’t deposited until Nov. 3, almost four months later, the policy was terminated.

November 26, 2025