You may not need it. Without an elevation certificate, your insurance rate defaults to the highest flood risk category.
This is the first step in determining an accurate need for flood insurance. An Elevation Certificate is evidence of your home’s relationship to the flood zones. It is the document your lender and insurance company needs to determine your adjusted rate for flood insurance. Or, it can be the key document in removing the need for flood insurance.
This is the second step in determining an accurate need for flood insurance. The Letter of Map Amendment will amend the Federal Emergency Management Agency (FEMA) flood map to more accurately reflect the conditions of your property. It is prepared by a professional land surveyor and submitted to FEMA for a map revision. Many times a Letter of Map Amendment can completely eliminate the requirement for the home/building owners to pay flood insurance.
Our qualified professional land surveyors often times will perform a topographical survey to gather the necessary measurements for accurately determining the flood elevations near your home/property. This may be helpful for new construction, understanding your needs for flood insurance, or the possibility of floodplain area modifications. Our civil engineering design team has permitted many amendments to floodplain areas in order to accommodate development desires. Don’t hesitate to contact us to determine the best solution for your unique situation.
