In the wake of Irene’s flooding and increased squabbling over the National Flood Insurance Program (NFIP), personal lines insurance policyholders (homeowners) that have flood insurance are found to be less satisfied with their policy coverage compared with policyholders who opt not to carry it, according to the J.D. Power and Associates 2011 U.S. National Homeowners Insurance Study. The study, J.D. Power's 11th, measures customer satisfaction with homeowners insurance companies by examining five key factors: policy offerings; price; billing and payment; interaction; and claims.

The study shows that less than one in 10 homeowners insurance customers in New England and the Mid-Atlantic reported carrying flood insurance prior to Hurricane Irene. While a higher proportion of policyholders in the Gulf states—more than 25 percent—carry flood coverage either through their homeowners insurance company, state flood plans or another provider, this is still a relatively low proportion, considering the frequency of hurricanes and other severe weather events in the region.

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