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re: NOLA flood insurance premiums with & without elevation certificates
Posted on 5/18/16 at 1:57 pm to Cold Cous Cous
Posted on 5/18/16 at 1:57 pm to Cold Cous Cous
An EC serves two purposes for a structure, not the property.
1. Help rate a structure for insurance purposes. Many factors go into this part, the main being how high your structure is compared to the required elevation for zones Zone A-- and Zone V-. Zone X has no elevation requirement so structures in zone X can be rated without a certificate and it won't make any difference if you have one.
2. Community compliance. The local government should have an ordinance about complying with FEMA's regulations. A community has the option of going beyond FEMA's requirement. There are advantages of doing this. If a base flood elevation is say 10' the community can adopt a free-board "height above the BFE" of their choosing. The most common is 1'. The certificate helps ensure these structures comply with what ever ordinance they have in place.
The community may require a certificate for a structure in zone X but it won't matter when it comes to insurance part.
1. Help rate a structure for insurance purposes. Many factors go into this part, the main being how high your structure is compared to the required elevation for zones Zone A-- and Zone V-. Zone X has no elevation requirement so structures in zone X can be rated without a certificate and it won't make any difference if you have one.
2. Community compliance. The local government should have an ordinance about complying with FEMA's regulations. A community has the option of going beyond FEMA's requirement. There are advantages of doing this. If a base flood elevation is say 10' the community can adopt a free-board "height above the BFE" of their choosing. The most common is 1'. The certificate helps ensure these structures comply with what ever ordinance they have in place.
The community may require a certificate for a structure in zone X but it won't matter when it comes to insurance part.
This post was edited on 5/18/16 at 1:58 pm
0
Posted on 5/18/16 at 2:14 pm to Cold Cous Cous
Cold Cous Cous-
riskmap6.com and you can search your address for the new BFE. Being an agent I can manipulate a new quote and put in the new BFE to get a price back.
I have been giving a lot of new buyers quotes as is and with the new maps.
Your agent should be able to do it, they may just not want to go through the trouble or know how.
riskmap6.com and you can search your address for the new BFE. Being an agent I can manipulate a new quote and put in the new BFE to get a price back.
I have been giving a lot of new buyers quotes as is and with the new maps.
Your agent should be able to do it, they may just not want to go through the trouble or know how.
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