If the Federal Emergency Management Agency (FEMA) has determined that your property is located within a Special Flood Hazard Area (SFHA), the professionals at Bedrock Engineering can assist you in completing a FEMA Elevation Certificateand a LOMA or LOMR application. These may be necessary in order to purchase flood insurance, as a part of the sale of the property, or as part of new construction or remodeling process for your home.
An Elevation Certificate is an administrative tool of the National Flood Insurance Program (NFIP) used for the following purposes:
- - To provide elevation information necessary to ensure compliance with local, community floodplain management ordinances.
- - To determine the proper insurance premium rate.
- - To support a request for a Letter of Map Amendment (LOMA) or Letter of Map Revision (LOMR), which removes the structure in question from the flood map.
The Professional Land Surveyors at Bedrock Engineering have many years of experience in producing elevation certificates and filing LOMA/LOMR applications. An elevation certificate compares measured elevations around the subject structure and property to the floodplain elevations determined by FEMA. This process helps an insurance estimator or city/county official determine the actual flood risk to your home and property.
If the Elevation Certificate determines that although a property is in a designated FEMA Special Flood Hazard Area, portions of the property and/or structure may be above the floodplain elevation, a LOMA (Letter of Map Amendment) Application can be submitted to FEMA to request that the property and/or structure be removed from the flood hazard zone. This would remove or reduce the requirement to obtain flood insurance for the property.
Bedrock can assist you in filing the FEMA Letter of Map Amendment (LOMA), stating that the property or building is correctly shown outside of the Special Flood Hazard Area and, therefore, the mandatory flood insurance requirement does not apply.