These are questions that are asked about the Elevation Certificate process.
The Flood Elevation Certificate is an important tool of the National Flood Insurance Program (NFIP). It is used to certify building elevations if the building is located in a SFHA in order to:
A Flood Zone is an area that has been carefully studied by the government to determine the probability of flooding due to intensive storms, or along the coast, severe tidal conditions. Flood Zones are designated to specify the probability and frequency of anticipated flood conditions. Flood zones range in severity. There are areas of minimal flooding and areas where flooding is expected to occur frequently.
In an effort to protect property owners from the material and financial devastation of natural disasters, the federal government has implemented various "protection" programs, of which the National Flood Insurance Program (NFIP) is one. Through careful studies of communities across the United States, the government has identified specific flood prone areas, known as Special Flood Hazard Areas (SFHA), and now mandates proper insurance within those flood hazard zones.
The Federal Emergency Management Agency (FEMA) compiles the results of extensive flood studies, and publishes "Flood Insurance Rate Maps" (FIRM). These maps, organized by community (city, town or subsection thereof), indicate those areas which may anticipate flooding conditions and delineate them according to frequency and severity of flooding.
There are six (6) flood zone designations.
Some zones have multiple sub-designations, as follows:
There are a number of different possible answers to this question:
Yes. If you believe that the FIRM designation is erroneous you may submit an engineering study to the government and request a LOMA (letter of map amendment). If based on the study you provide, the government agrees that your property is not located in a special flood hazard area, a LOMA will be issued, and you may no longer be required to purchase or maintain flood insurance (some lenders may still require it).
Yes, it is not only possible, but also highly probable that a lower premium may be secured. Most insurance companies compute the rate for flood insurance based on the worst-case scenario; that is, the highest possible rate. However, if the house is elevated above the level at which the government has determined that flooding is probable, the insurance company can use specific elevation information to compute a lower rate, based on a sliding scale. The specific information necessary for rate determination is provided on an Elevation Certificate.
The Elevation Certificate is an important administrative tool for the National Flood Insurance Program and is required to properly rate flood insurance for post-FIRM buildings or pre-FIRM buildings rated based upon the determined Base Flood Elevations for the flood hazard area.
When placing the order on the website, you will be asked to provide the date needed. We can accommodate most timeframes even RUSH orders.
The fee to provide a RUSH order may be increased based on property type, location, and the timeframe within which you need the Elevation Certificate.
You do not have to be present unless special arrangements are required to allow the surveyor access to the property or if the property has a crawl space or basement. If you have special requirements that may require an appointment please be sure to include an access contact name and phone number when entering your property information.
The only time we can guaranty when our crews will be on the site is the first job each morning. So if it is required that someone meet us on the site we can set a time and date to meet you, however, if the early morning does not fit in your schedule we can guaranty a day, but not the exact time they will be there.
When placing the order on the website, use the comments section to indicate the number of buildings that need to be included.
A detached garage used only for parking and storage for a 1-4 family residential building is an appurtenant structure and only 10% of the building coverage can apply to this detached building. The detached garage cannot have any plumbing in order to qualify under the 10% coverage. If required or you elect to have a separate insurance policy for this building then a separate Elevation Certificate can be obtained.
If the property is to be insured as a commercial property, then it must be treated as a commercial property according to the National Flood Insurance Program.
Yes, we will supply you with 3 hard copies of the EC. More copies can be requested at an additional printing fee. The elevation certificate can be mailed out after completion and when the invoice has been paid in full. Prepayment is encouraged to expedite the processing, but not required. All EC's must be paid in full prior to faxing, emailing, or pickup.