See what our clients had to say...

Michael Vernon has become an integral part of both my personal/professional activities and those of Abbitt Realty Co LLC.

On a personal level he advised me through the mitigation process and due to his expertise and thorough understanding of the current floor insurance issues he effectively reduced my annual flood insurance premium from over $ 1,800 to less than $ 800.

On the company level he has conducted numerous flood insurance training classes for Abbitt agents and has, in some specific situations, assisted Abbitt clients, or the agents themselves, in securing reduced premiums. In a number of cases this has saved sales transactions.

Having Michael Vernon as a proven resource when wading through the complicated process of arranging flood insurance coverage has been a benefit to Abbitt Realty Co LLC. He knows the industry, he understands the regulations and he is an excellent communicator.

Perry Pilgrim

Mike Vernon of Flood Mitigation Services was extremely helpful in determining ways to reduce damage to our property and to reduce our flood insurance premiums. He proved to be a reliable and dependable “man of his word.” With the recommendation of installing flood vents, as well as other suggestions of slight changes to meet codes, we were eligible to reduce our flood insurance cost by more than half and make our home better protected in the event of a flood. We are grateful for his expertise and would highly recommend him to our friends and neighbors.

Mike & Patsy Petway

I was panicked when I received my last flood insurance quote. Mike seemed sure he could help and he delivered. I would recommend him to anyone that believes that the rising rates will force them out of their home.

Anthony K


Mike Vernon has been an invaluable asset to our team. His knowledge of flood insurance and flood mitigation is astounding. He has already helped 3 of our clients reduce their rates significantly in the past month. One was reduced from nearly $5,000 per year to less than $500 per year! He is responsive, follows through, and very professional. We trust him talking to our clients and we know that they are in good hands. We look forward to continuing to refer clients to him in order to save them money and to help boost the waterfront real estate market.
On a personal level he advised me through the mitigation process and due to his expertise and thorough understanding of the current floor insurance issues he effectively reduced my annual flood insurance premium from over $ 1,800 to less than $ 800.

On the company level he has conducted numerous flood insurance training classes for Abbitt agents and has, in some specific situations, assisted Abbitt clients, or the agents themselves, in securing reduced premiums. In a number of cases this has saved sales transactions.

Having Michael Vernon as a proven resource when wading through the complicated process of arranging flood insurance coverage has been a benefit to Abbitt Realty Co LLC. He knows the industry, he understands the regulations and he is an excellent communicator.

Tiffany McDonough

I have found Mike to be above reproach, trustworthy, and very responsive. I have asked him to evaluate my home and the potential for savings in flood insurance based upon another referral from Nancy Chandler. I paid him for his time and he ordered an elevation survey. DKT came out within a few days and we had a certificate in a week.

Mike determined after designing a FEMA compliant mitigation plan and doing a flood insurance analysis to determine the impact on the flood insurance that I would ultimately save more than $900 a year.

Mike has guided me along with way and stayed in touch every step and has referred me to a reputable contractor for ideas and estimates. My home is now safer, more marketable and I am saving money.

I trust him fully and you should as well. If you would like to discuss anything further, please feel free to call me on the below number.

David B. Holt

Shout out, recommendation, and just plain thank you to Mike Vernon! My clients are purchasing an oceanfront house at Sandbridge. First flood quote was $14k per year. She got it down to $10k. I got the current sellers insurance company to agree to transfer their policy at $5400. 
Mike (in a day and half) came back with $856. (Eight hundred fifty-six,
No typo) for the year! Unbelievable. Made me look like a rock star with my clients! Use Mike!

Shelly Napier

Early on in knowing Mike I heard several people state that 'Mike Vernon is the go to guy for all flood insurance needs'. After working with him for a while now I have come to understand that he is indeed the person you want on your side when trying to unravel the FEMA flood maze. One of the first properties I helped Mike mitigate was a $115,000 win for his client. in which the customer was unable to sell her house because of an extremely high flood insurance premium. The client had reduced the price of the house by $120,000 over a year and a half because of the flood insurance. After a $5,000 project that I was part of, the premiums were reduced by over 500%. That is the real number. The client put the house back on the market for full market value and sold it two weeks later.
Mike determined after designing a FEMA compliant mitigation plan and doing a flood insurance analysis to determine the impact on the flood insurance that I would ultimately save more than $900 a year.

Mike has guided me along with way and stayed in touch every step and has referred me to a reputable contractor for ideas and estimates. My home is now safer, more marketable and I am saving money.

I trust him fully and you should as well. If you would like to discuss anything further, please feel free to call me on the below number.

V Paul Farmer

Flood Insurance Hampton Roads showed me how to reduce my flood
insurance premium from $5,958.00 to $943.00. Boom! Wish I had met them
years ago. Now I have my house listed at full market value!

Elisa in Larchmont

I want to thank you for the professional consulting services you provided to evaluate the flood mitigation issues at my waterfront home. With your timely assessment of my liabilities and recommendations, I was able to reduce my flood insurance premium and make my home more salable. The company you recommended for flood vent installation knew the National Flood Insurance Program's guidelines and provide the necessary documentation needed.

Your expertise and knowledge is sorely needed by homeowners in the Hampton Roads community. I wish you luck in your endeavors.

Sue Roady

We offer a complete turnkey service for mitigation including:

  • Elevation Certificates
  • Current flood insurance policy evaluation
  • Mitigation project analysis
  • Before and after mitigation flood quotes to determine ROI
  • Flood and storm related product recommendations
  • Flood mitigation trained construction company introduction
  • Project oversight
  • Immediate flood insurance premium relief

Call today!

Call today and ask for “The Flood Insurance Guy” Mike Vernon. Mike has helped hundreds of homeowners lower their flood insurance premiums. Mike has presented to or taught continuing education to thousands of real estate agents concerning flood insurance and its impact on real estate transactions. He has presented at the Virginia Coastal Policy Clinic at William and Mary law school, the Virginia Institute of Marine Science and has been featured or quoted in the Washington Post, Bloomberg View, New York Times and the Virginian Pilot. Mike has also appeared on International Public Radio, Voice of America and local stations in Hampton Roads.

Work with us

We have helped hundreds of home owners lower their flood insurance premiums!