Robert C. Johnson PSM, CFM
I am a Licensed Surveyor & Mapper in the State of Florida and a Certified Floodplain Manager and have 21 years of experience working throughout the State. I have provided many clients with Elevation Certificates over the years to properly rate their Flood Insurance Policies and I have discovered that 50% or more of the Elevation Certificates I have provided, allow for removal of the structure from the Special Flood Hazard Area (SFHA) via the Letter of Map Amendment (LOMA) or a Letter of Map Revison with fill (LOMR-F), a "Flood Zone Correction." This is an application submitted to the Federal Emergency Management Agency (FEMA) along with technical documentation to remove a structure or tract of land from the Special Flood Hazard Area (SFHA). FEMA will then issue an official document (LOMA) removing the structure or tract of land from the Special Flood Hazard Area (SFHA).
Lenders are required by law via the Mandatory Purchase Requirement (MPR) to require borrowers to purchase Flood Insurance if the loan is Federally backed and the property lies within a Special Flood Hazard Area (SFHA). Lenders normally hire or are contracted with Flood Determination Companies that provide them with a Standard Flood Hazard Determination Form (SFHDF). These determination forms do not require a thorough investigation of all Letter of Map Changes (LOMC) or an evaluation of an Elevation Certificate to determine if the property is eligible to be removed from the Special Flood Hazard Area (SFHA). This responsibility is left to the borrower and the Flood Insurance Agent that is issuing the policy.
This is where we can help.
We provide a FREE Evaluation of Elevation Certificates
If our review of the Elevation Certificate indicates that you are eligible for removal from the SFHA, we will contact you and/or your Flood Insurance Agent to proceed in removing your structure or property.
We also provide Evaluation of Standard Flood Hazard Determination Forms (SFHDF).
If our review of your SFHDF indicates that your structure is in a SFHA. We will contact you and/or your agent to receive authorization to proceed with an Elevation Certificate and a LOMA to remove structure from the SFHA, if eligible.
If we determine that your structure is not in the SFHA by plotting it correctly on the Flood Insurance Rate Map, we will contact you and/or your agent to remove your structure from the SFHA.