In addition to costly insurance premiums, certification in a flood zone reduces property values by approximately 20%. With so much $$ on the line, you want an expert to make sure your flood zone determination is accurate!

If your lender used an automated FZD to declare your building to be in a flood zone, you may benefit from an expert re-assessment.

Getting amended out of a flood zone means increased property values and future savings from removed/ reduced premiums.

You may also be entitled to a prorated refund of this year’s premiums, which can cover the cost of this service!

Automated determinations sometimes mistakenly require insurance when a portion of the land is in a flood zone, even when the structure itself is not. This is especially likely for properties at the edge of a flood plain or in rural/ agricultural land.

We offer flood zone reports for homebuyers and owners to see if your home is in a flood zone. In many cases, even if it is in a flood zone, we can recommend property adjustments to get formally removed from the flood zone and the flood insurance requirements.

ACTION PLAN

INITIAL FREE CONSULTATION:
We use aerial photos and GIS software to manually review if your structure is in a flood zone and (if so) assess the likelihood of success for getting it out.

If it is out

DETAILED MAPPING SERVICE:

We create custom flood maps and present them to your lender for an amendment.

If it is in (or for more complex determinations)

SURVEYING / DEEPER ANALYSIS SERVICE:

Even when it is within a flood zone, we can look for options to get it out. This may involve:

  • Our team collecting elevations for a FEMA elevation certificate
  • Recommendations on property improvements to lower flood insurance premiums or, when possible, entirely remove requirements altogether
  • Correcting the flood status via a formal report in the FEMA (LOMA) process

Our services often cost less than 1 year of flood premiums!

Buildings which are amended off a flood zone are often eligible to get a pro-rated refund on the prior year, covering the cost of our service from the start!