Due to tougher regulations and revised Flood Zone maps, many homeowners are now being required by their lenders to obtain Flood Insurance.  The properties most affected are those fronting a body of water.  While all homes are at risk for catastrophic flooding, many of these properties do not warrant Flood Insurance.

It is now up to the homeowners to be proactive and hire a Professional Land Surveyor to establish if flood insurance is necessary.

If you receive a notice from your lender requiring you to get Flood Insurance, you need to know that you have options. Often a home will appear to be in a high risk Flood Zone when it is actually elevated above.  Obtaining an Elevation Certificate is the first step toward permanently eliminating unnecessary Flood Insurance.  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.