The listing agent represents the seller. The buyers agent represents the buyer and owes his full fiduciary duty to his client, the buyer.
Your agent should be answering those questions. Regards to flood insurance your agent should know if your in a low area that was previously flooded as with the last hurricane. Some properties on high ground may not need flood insurance, if you were in silver lake area you were flooded out. I’d be asking my real estate agent these questions, not random people.
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