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HOW TO DISPUTE A FEMA FLOOD ZONE DETERMINATION

Most lenders will contact a Flood Zone Determination company to obtain a Standard Flood Hazard Determination (SFHD) as part of their closing process and in most cases a property insurance agent will make the same request from the same or a different Flood Zone Determination company. With two or more SFHDs being produced for a single location, disagreements in results can arise. These discrepancies can delay closing or the placement of a flood insurance policy. 

How do I get a Letter of Map Amendment (LOMA)?

For FEMA to remove a structure from the Special Flood Hazard Area (SFHA) through the LOMA process, Federal regulations require the lowest ground touching the structure, also known as the Lowest Adjacent Grade (LAG) elevation, to be at or above the Base Flood Elevation (BFE). But how do I get a LOMA?

 

The New NFIP Flood Insurance Manual Crosswalk

If you are like me, when the newly formatted NFIP Flood Insurance Manual came out on October 1st, you probably thought, “Well great! Now I have to start all over again learning this manual.”  I’ve been using the NFIP Flood Insurance Manual for over 16 years and have learned through long experience where to find certain flood insurance topics. I certainly didn’t relish having to re-learn where to find information. Despite the new format being more logical and following a transaction-by-transaction path through the lifecycle of a flood insurance policy, my first impulse was to cringe and curse.

The Latest NFIP Flood Insurance Manual-October 1, 2018

If you are like me, when the newly formatted NFIP Flood Insurance Manual came out on October 1st, you probably thought, “Well great! Now I have to start all over again learning this manual.”  I’ve been using the NFIP Flood Insurance Manual for over 16 years and have learned through long experience where to find certain flood insurance topics. I certainly didn’t relish having to re-learn where to find information. Despite the new format being more logical and following a transaction-by-transaction path through the lifecycle of a flood insurance policy, my first impulse was to cringe and curse.

Guaranteed Flood Zone Determinations are now Available to Everyone

Hi everyone.  We recently published a press release announcing the launch of our DirectFlood platform so everyone can have access to high-quality and affordable guaranteed flood zone determinations.  Here's the press release:

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