On the FIRM do I need to date my photographs? What if I use an old film camera?
Bonus:
Is it true that you can only get a policy for $250,000? How on earth could one pay $50k/year for a $250k policy?
Still Laughing
Food map!!!!!!!!!!!!!!!!!!!!!!!!!!!
You can buy more than that. It's just not the standard.
> On the FIRM do I need to date my photographs? What if I use an old film camera?
>
> Bonus:
> Is it true that you can only get a policy for $250,000? How on earth could one pay $50k/year for a $250k policy?
The pictures are supposed to be current I would suspect. Matters not how old the film is, as long as they can see them. I never date my pix.
Bonus quiz: I had flood insurance 10 yrs years back on my house on a river. The premium was approx 1% of my mortgage amount, or $650. I'm pretty sure that any payout would be for catastrophic damage and not just the mortgage amount. Things may be different now since FEMA morphed into a walking, living, breathing extortion monster - but it seems that the premiums are all tied into the loan.
Do you get fries with that Food Map....:-D
> I never date my pix
From the Elevation Certificate instructions: "Identify all photographs with date taken."
> From the Elevation Certificate instructions: "Identify all photographs with date taken."
Never knew that and never been asked to show it. Pretty easy to either set the date in the camera or just write it in the margin. Still worth knowing. Thanks
> On the FIRM do I need to date my photographs? What if I use an old film camera?
>
> Bonus:
> Is it true that you can only get a policy for $250,000? How on earth could one pay $50k/year for a $250k policy?
Yes, you have to date the photos, In fact, I had one rejected because I just put "Photos taken on XX/XX/XXXX" at the top of the photo page. The FEMA reviewer insisted that all photos be dated individually. In the beginning when they required photos (1999?), we'd tape the photo prints to the sheet, and hand write the date next to the photos. I suppose you could do that, then scan it.
I think a basic policy covers up to $250K, but FEMA adds a premium to your premium if want to insure for more than that amount. I read one lady in Mass. got a $62,000/yr. quote due to Biggert Waters. I'd love to know how much her house appraises for.
A food map would come in handy at the all-you-can-eat buffet:-P
Same as some of the others have said. It says to date them, but I never do.....haven't had an issue.....yet;-)
The 2012 instructions state that all photographs shall be taken within 90 days of the date of the certificate. As "Digital photographs are acceptable" it would lead me to ask about the film w/o date stamp...
Item A6. If the Elevation Certificate is being used to obtain flood insurance through the NFIP, the certifier must provide at least 2 photographs showing the front and rear of the building taken within 90 days from the date of certification. The photographs must
be taken with views confirming the building description and diagram number provided in Section A. To the extent possible, these photographs should show the entire building including foundation. If the building has split-level or multi-level areas, provide
at least 2 additional photographs showing side views of the building. In addition, when applicable, provide a photograph of the foundation showing a representative example of the flood openings or vents. All photographs must be in color and measure at
least 3" × 3". Digital photographs are acceptable.
Here's a Food Map... I was still floored that an agent told me that some of these 10k-50k premium estimates are for a policy of 250k. Imagine paying 50k for 5 years, then having a flood and you would break even.
