Many Florida properties are incorrectly shown within a Special Flood Hazard Area (SFHA) on FEMA maps, forcing owners to pay for expensive, mandatory flood insurance. However, your property’s actual ground elevation may be higher than the flood level. An Elevation Certificate is an official survey that determines your building’s true elevation. If the data shows your structure is safely above the flood line, we can submit a Letter of Map Amendment (LOMA) application to FEMA on your behalf to officially remove the requirement, potentially saving you thousands of dollars annually.
Our Flood Zone Correction Services
FEMA Elevation Certificates
Our licensed surveyors perform a detailed on-site survey to determine the precise elevation of your structure’s key features, including the lowest floor, adjacent ground, and mechanical equipment. This data is recorded on an official FEMA Elevation Certificate.
LOMA Application & Submittal
If the Elevation Certificate shows your property is a LOMA candidate, we manage the entire application process. We compile all necessary documentation and submit the LOMA request directly to FEMA for an official determination.
End Mandatory Flood Insurance
A successful LOMA from FEMA officially removes your building from the SFHA. This makes the mandatory flood insurance requirement optional for your mortgage lender, giving you freedom and significant financial savings.
Increase Property Value
A property that is officially removed from a high-risk flood zone is instantly more attractive to potential buyers. It becomes far more marketable, often leading to a direct increase in its overall value.
Potential for Insurance Refunds
In many cases, with a successful LOMA and no recent claim history, your current year’s flood insurance premium can be refunded. We help you secure the documentation needed to request this from your provider.
Lower Your Monthly Mortgage
For loans with escrow accounts, removing the mandatory flood insurance premium will typically reduce your monthly mortgage payment, freeing up your cash flow for years to come.
