But even if it is not required, it can help you save money on flood insurance. Do You Need an Elevation Certificate?
You must secure an elevation certificate if you meet any of these conditions:. Elevation certificate costs vary because every property is unique, and surveyors do not want to guarantee one price.
Factors affecting the cost include:. Your elevation certificate may be free if it already exists. Since an elevation certificate can be expensive, it is a good idea to investigate thoroughly before producing a new one. You may find your existing elevation certificate with any of the following:. If you exhaust all these sources and still cannot find an elevation certificate, contact your state's professional association for land surveyors.
You can find someone near you to perform the survey and complete the elevation certificate. How to Get an Elevation Certificate? You must hire an elevation surveyor , also called a land surveyor. You do not need a new FEMA elevation certificate if the information on your home is accurate. However, if your house changed , you likely need a new one. Homeowners should get a new elevation certificate if they remodel or expand living space. It is important because it will affect your property's flood risk.
Elevation Certificate Surveyor You can hire a licensed land surveyor, engineer, or certified architect to perform the survey and complete an elevation certificate. This individual inspects your home and the surrounding property to determine location, flood zone, building characteristics, and base flood elevation. Generally, a survey and elevation certificate takes around five days to complete.
If you seek your elevation certificate during peak season , expect it to take about two weeks. Sometimes, if you live near a high-risk flood zone , your insurer will price your policy on that zone rather than the zone you live in. An elevation certificate can prove you are not at high risk of a flood.
This insurance must be maintained as long as the mortgage continues. The fact that a structure may not have ever suffered flood damage is no protection against future loss. This is especially true of property located in the flood plain. Like all insurance, the premium is based on the risk.
Insurance for buildings located well below the BFE can run several thousand dollars a year. Insurance for structures above the BFE will cost substantially less. Back to Top How can a surveyor assist me in obtaining flood insurance? So you start your search for some one to complete it. Generally this will be done by a surveyor.
However before you have it completed you want to ask a few questions. Here are 5 questions you should ask before hiring a surveyor. Are you licensed 2. How long have you been doing this? How long will it take to get certificate 4. What happens if some of the information is wrong 5. Please call or email us for details. We can accept all major credit cards. We can accept payment information over the phone at the time that you schedule the appointment or via our secure online system.
Cancellations must be made prior to the day of the appointment. Once a charge has been processed, we do not offer refunds. You are not required to be present for the appointment. However, if you are not available to be onsite at the time of our field visit please be sure that we will have access to all exterior walls of the structure. We ask that you please leave any gates unlocked and secure any pets for the duration of our visit. Prior to the date of the appointment, we will provide you with a 2 hour window of when to expect us onsite.
We've made finding out if your structure is in a flood zone easy. Simply click the words Flood Map at the top of this page and type in your address.
0コメント