FEMA FLOOD ZONE DISPUTE PROFESSIONAL

We will work with you to evaluate your property, provide an Elevation Certificate and Letter of Map Amendment (LOMA) to FEMA when appropriate. Where there is a dispute with a LOMA, local officials may want to seek technical assistance. This article is written to aid the general public in understanding the mandatory purchase requirement and FEMA’s flood zone designations. We help homeowners, realtors, and anyone forced to pay flood insurance to validate the validity of the placement of their property on the Flood Zone map. FEMA Flood Insurance Rate Maps and Flood Insurance Studies. specializes in performing extensive flood zone analysis. Flood Insurance Rate Map (FIRM) published by FEMA, and made available online in the form a FIRMette through the FEMA Map Store at the link below.

A favorable Elevation Certificate is the key support document to obtain a Letter of Map Amendment (LOMA) to officially remove a structure from a Flood Zone.Īlpine Land Surveying, Inc. Flood determination companies have developed procedures to address these disputes with the purpose of confirming the correct flood zone based on the effective FEMA flood map. If the building is located in an flood zone, additional attention needs to be paid to the cost of repairing the building relative to the building’s value. Obtaining an Elevation Certificate is the first step toward permanently eliminating unnecessary Flood Insurance. Check the insurance carrier’s underwriting file or FEMA’s Flood Map Service Center to determine if a damaged building is located in a flood zone. Often a home will appear to be in a high risk Flood Zone when it is actually elevated above. FEMAs flood maps require homeowners in the highest flood risk areas to purchase flood insurance to cover the cost of any damage done to a home as a result. If you receive a notice from your lender requiring you to get Flood Insurance, you need to know that you have options. Accurate and up-to-date zoning and mapping data help streamline flood determination during the loan application process.

FEMA FLOOD ZONE DISPUTE PROFESSIONAL

It is now up to the homeowners to be proactive and hire a Professional Land Surveyor to establish if flood insurance is necessary. While all homes are at risk for catastrophic flooding, many of these properties do not warrant Flood Insurance. The properties most affected are those fronting a body of water. Due to tougher regulations and revised Flood Zone maps, many homeowners are now being required by their lenders to obtain Flood Insurance.

Fema flood zone dispute