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An Elevation Certificate is an official form of the National Flood Insurance Program created to compare a property's elevation data (as determined by field measurement) to the Base Flood Elevation (BFE) data. It provides elevation information for compliance with floodplain management ordinances, setting insurance premium rates, and supporting map change requests, namely the Letter of Map Amendment (LOMA) and the Letter of Map Revision Based on Fill (LOMR-F). For many homeowners, a LOMA is a preferable option. If you property is in a Special Flood Hazard Area but you believe that your home and/or structure is above the flood level, a LOMA can remove those structures and relieve you from some of the associated cost of insurance.
At Peak Geomatics, we have extensive experience in working with home owners and property developers in areas that may flood. We can certify a Elevation Certificate and create a site plan that may help homeowners lower the cost of insurance AND keep their homes and family safe from damage.
Remember, you do not have be on or near a river or body of water to experience flooding. Contact us today to discuss the options available to you.
An Elevation Certificate is required to obtain a National Flood Insurance Program policy on all Post-FIRM construction, but is optional on Pre-FIRM construction. The Elevation Certificate is required by the NFIP to certify the lowest floor of a building so the policy can be properly rated.
Flood insurance is:
- Open to everyone. Even if you don't live in a designated flood zone you can purchase flood insurance if your community participates in the NFIP. Any property can get flooded, and anyone can buy flood insurance.
- Protective of homes and contents.
- Payable even when no disaster is declared. Statistically, federal disaster declarations are issued in less than 50 percent of flooding incidents. An NFIP policy will pay for flood damage whether or not there is a federal disaster declaration.
- Purchasable at any time. You can purchase flood coverage at any time, but in most cases there is a 30-day waiting period after you have applied and paid the premium before the policy becomes effective.
Contact a Flood Insurance Specialist today for more information.
ALTA/ACSM Title Survey