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Started By
Message
Flood Elevation Certificate
Posted on 4/24/19 at 1:22 pm
Posted on 4/24/19 at 1:22 pm
I'm considering getting a flood elevation certificate but before i drop $250, i wanted to see if any of you could tell me if i even stand a chance of benefiting from an FEC.
I live in Metairie near the lakefront before Causeway. I have a single story house that isn't built up. Using RiskMap6 and the Effective flood zone, I currently sit partially in an AE zone and the BFE is -4.5 ft. Most of my actual house sits in an X zone with some portion of the yard and my detached garage being in AE. The parts of the yard considered AE were low as they were originally an alley that i have since filled in. I don't believe filling this area in will have much impact on this as a whole but offering it as information anyway.
That being said, I am really timid to have someone come out for a FEC. I know the $250 isn't alot of money in the grand scheme of potentially getting out of AE zone, but i just don't foresee insurance just allowing me to move to X zone because i added a little mud and get a certificate. I'd imagine it's all or none with them when considering X flood zone. I do wonder if there is a chance i could get put in a B type zone that isn't AE but isn't X but I believe they may be doing away with some of those zones.
I know my BFE and I can borrow a surveyor level so I was hoping I could generally figure this out before wasting the money. Any thoughts?
I live in Metairie near the lakefront before Causeway. I have a single story house that isn't built up. Using RiskMap6 and the Effective flood zone, I currently sit partially in an AE zone and the BFE is -4.5 ft. Most of my actual house sits in an X zone with some portion of the yard and my detached garage being in AE. The parts of the yard considered AE were low as they were originally an alley that i have since filled in. I don't believe filling this area in will have much impact on this as a whole but offering it as information anyway.
That being said, I am really timid to have someone come out for a FEC. I know the $250 isn't alot of money in the grand scheme of potentially getting out of AE zone, but i just don't foresee insurance just allowing me to move to X zone because i added a little mud and get a certificate. I'd imagine it's all or none with them when considering X flood zone. I do wonder if there is a chance i could get put in a B type zone that isn't AE but isn't X but I believe they may be doing away with some of those zones.
I know my BFE and I can borrow a surveyor level so I was hoping I could generally figure this out before wasting the money. Any thoughts?
5
Posted on 4/24/19 at 1:27 pm to cberni1
quote:
i just don't foresee insurance just allowing me to move to X zone because i added a little mud and get a certificate.
people get LOMA's all the time and do exactly this
I'm not sure if they clamp down on it more now because of recent flooding, but it's pretty common
i'm assuming you are planning to go the same route with the FEC
Posted on 4/24/19 at 1:27 pm to cberni1
I had one done and it saved me a ton of coin. Had me AE and my FEC got me to X.
Posted on 4/24/19 at 1:27 pm to cberni1
Good luck
This post was edited on 4/24/19 at 1:28 pm
Posted on 4/24/19 at 1:30 pm to Croacka
quote:Yes, i planned to file a LOMA once getting the FEC. I figured it can't hurt to try.
i'm assuming you are planning to go the same route with the FEC
Posted on 4/24/19 at 2:46 pm to cberni1
Yes, go for it. If it means potentially lowering your flood insurance cost, why not?
I had my final elevation certificate done in December and began LOMA-F process. I’m still waiting on FEMA to complete the process.
I had my final elevation certificate done in December and began LOMA-F process. I’m still waiting on FEMA to complete the process.
Posted on 4/24/19 at 11:26 pm to LSUtigerME
LOMR-F =\= LOMA. I haven’t looked at one in awhile, but if I remember correctly, LOMA review is free. LOMR-F costs around $500. If you’re going to take the position that your fill has gotten you into X, then you will probably have to go with a LOMR-F application.
Still worth it IMO, but just something to think about.
Still worth it IMO, but just something to think about.
Posted on 4/24/19 at 11:59 pm to cberni1
If most of your house sits in an X zone you could start by going to your insurance company. They might honor your X zone without a recert
This post was edited on 4/25/19 at 12:00 am
Posted on 4/25/19 at 7:19 am to LSUtigerME
quote:
I’m still waiting on FEMA to complete the process.
Did my place well over 25 years ago. Took a little more then 6 months to complete the paperwork.
Posted on 4/25/19 at 12:40 pm to cberni1
At my old house near oaklawn and w esplanade, the elevation certificate saved me a ton of money. I knew I was on the crown of the street going in. Where is your house in relation to the storm drains on your street?
Posted on 4/25/19 at 1:01 pm to bee Rye
quote:I have a small drain across the street from me BUT i also live very close to the major pumping station. I know you live in the area so you know what i'm referring to. Between the raise in the levee height, the pumping station, and the fact i'm mostly in X, i'm hoping they look favorably on me.
Where is your house in relation to the storm drains on your street?
Also, i am relatively certain we either know each other or have very mutual friends through high school
This post was edited on 4/25/19 at 1:03 pm
Posted on 4/25/19 at 1:04 pm to pwejr88
quote:That was my first attempt. That got shot down pretty quick and they said I have a better chance with the FEC. So, i guess thats my next step and be optimistic its worth the $250
If most of your house sits in an X zone you could start by going to your insurance company.
Posted on 4/25/19 at 3:29 pm to cberni1
A couple things to consider. If any part of your structure is in the AE zone then that is what you will be classified at.
Doing an EC no matter how high you are won't change your flood zone from an AE to X, it will only set your rate, the higher you are above the BFE the cheaper the rate.
Typically the zone line between AE and X is an elevation contour line. If your house is above the BFE and you add enough fill adjacent to your structure to be at or above the contour line elevation you can submit to be reclassified.
FYI insurance companies don't determine or have anything to do with moving flood zones.
Doing an EC no matter how high you are won't change your flood zone from an AE to X, it will only set your rate, the higher you are above the BFE the cheaper the rate.
Typically the zone line between AE and X is an elevation contour line. If your house is above the BFE and you add enough fill adjacent to your structure to be at or above the contour line elevation you can submit to be reclassified.
FYI insurance companies don't determine or have anything to do with moving flood zones.
This post was edited on 4/25/19 at 3:31 pm
Posted on 4/25/19 at 4:11 pm to rodnreel
quote:This is what I was told by my insurance company and why i'm hesitant to even get an EC.
If any part of your structure is in the AE zone then that is what you will be classified at
quote:This is exactly what I was looking to understand. Best case scenario, i get reclassified and get a marginally better rate.
Typically the zone line between AE and X is an elevation contour line. If your house is above the BFE and you add enough fill adjacent to your structure to be at or above the contour line elevation you can submit to be reclassified.
Thanks for the good info. I may still do it but won't have high expectations.
Posted on 4/25/19 at 4:17 pm to cberni1
What you are trying to do is move the ground contour line line between zones AE and X from under your house to going completely around your house.
In other words the elevation of the ground "grade", adjacent to any part of your structure is at or above the zone X grade.
Even if you don't get reclassified the EC may help with your insurance cost. In an AE zone your rate is based on how high you are compared to the BFE. Every foot of elevation you go up or down compared to the BFE changes the cost.
In other words the elevation of the ground "grade", adjacent to any part of your structure is at or above the zone X grade.
Even if you don't get reclassified the EC may help with your insurance cost. In an AE zone your rate is based on how high you are compared to the BFE. Every foot of elevation you go up or down compared to the BFE changes the cost.
This post was edited on 4/25/19 at 4:22 pm
Posted on 4/25/19 at 5:46 pm to cberni1
Worth it.
So you’re out $250, that’s sucks.
OR... you save hundreds on insurance. Very worth doing in my opinion.
So you’re out $250, that’s sucks.
OR... you save hundreds on insurance. Very worth doing in my opinion.
Posted on 4/25/19 at 5:53 pm to pwejr88
Does anyone have any experience with Severe Repetitive Loss Properties? Namely, how I can get a house out of the program. Pretty sure there is no easy way but asking just in case. Sucks paying $1800 for flood insurance when you’re in Flood Zone X...
Posted on 4/25/19 at 8:12 pm to lighter345
Check to see if you assume the flood insurance from the seller
Posted on 4/25/19 at 10:42 pm to cberni1
quote:intradesting
Also, i am relatively certain we either know each other or have very mutual friends through high school
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