On our previous blog, we discussed how to determine whether you’re really required to carry flood insurance.
This week, we’re examining how to get your home or business rezoned if you own your property outright, but it is located in an area designated by FEMA to be in a high-risk flood zone.
There are several reasons you want to ensure you’re zoned properly:
• Insurance premiums tend to go up every year;
• Removing your property from a designated flood zone will increase your home’s value;
• If it turns out your home is wrongly zoned, you can get last year’s flood insurance payments refunded.
If your property has never been flooded before, it’s definitely worth it to have an inspection conducted to see if you’ve been wrongly zoned. National Flood Experts will inspect your home for free. If we determine your property is not in a flood zone, we can request a rezoning with FEMA, and we guarantee results by 100%.
You can get this process started by getting a copy of the Elevation Certificate for your property, and emailing it to [email protected]. You can get said certificate from your closing documents from when you bought your home, or from your insurance agent.
You could always bypass contacting us and going about it the long way, by determining your Base Flood Elevation (BFE) and your Lowest Adjacent Grade (LAG), then filing a Letter of Map Amendment (LOMA) with FEMA. The entire process could take you up to six months and it has to be done perfectly in order to avoid having to re-file corrected information, along with the associated fees.
If this letter soup sounds confusing, let National Flood Experts do it for you. You have nothing to lose by calling us, and a lot of money to save by getting rezoned.