I have a potential client wanting to purchase flood insurance on his property that is listed in Flood Zone X. The insurance companies are all telling him to get an elevation certificate. How do you perform an elevation certificate for Zone ÛÏXÛ? In my area Zone X is areas that are outside the flood hazard areas. My gut reaction is since there is no BFE calculated (and our local building official doesnÛªt have one for this area), then treat it as a Flood Zone ÛÏAÛ. Problem is, most insurance companies rate Zone AÛªs much higher than zones in which the BFE has been determined. Anyone ever done one of these before care to chime in? Thanks!
In the past I have put in B8 X and B9 N/A. No one has ever said anything.
How about using the nearest BFE in whatever is not Zone X? I'm guessing they want to know how much higher than flood everything is. If it's only six inches, they might have a concern. If it's 30 feet, they should offer it to him for a dollar per year.
You do it the same as you would any flood zone, just use Flood Zone X, then put N/A for the BFE. Sometimes Cites want it because the house needs to be above the road a foot or more.
Research Flood Elevation Certificate - Out of State. I believe this would apply in this case.
It is a relatively new method, I believe it just came out last year, but is a quick, easy solution in cases such as this.
I TEND TO AGREE WITH MR. CARRINGTON & MR. ELLIS. YOU CAN ONLY CERTIFY FACTS THAT YOU CAN VERIFY. PERSONALLY, I DON'T WANT TO "ASSUME" ANYTHING I CAN'T DOCUMENT, ESPECIALLY ANYTHING TO DO WITH FEMA REGS. DON'T BE AFRAID TO CALL FEMA IF YOU DON'T UNDERSTAND SOMETHING & DOCUMENT THE REPLY. REMEMBER, ANYTHING NOT IN WRITING IS A LIE & ANY BUREAUCRAT WILL LIE TO SAVE HIS A$$.
hlbennettpls, post: 395058, member: 10049 wrote: I have a potential client wanting to purchase flood insurance on his property that is listed in Flood Zone X. The insurance companies are all telling him to get an elevation certificate. How do you perform an elevation certificate for Zone ÛÏXÛ? In my area Zone X is areas that are outside the flood hazard areas. My gut reaction is since there is no BFE calculated (and our local building official doesnÛªt have one for this area), then treat it as a Flood Zone ÛÏAÛ. Problem is, most insurance companies rate Zone AÛªs much higher than zones in which the BFE has been determined. Anyone ever done one of these before care to chime in? Thanks!
I think I would just fill out sections A and B. List the flood zone as "X" with BFE of "N/A". Answer C1 and explain in the comments why you did not provide any elevations (because they don't need them). That should give the insurance agent all they need to know to rate a Preferred Risk Policy.
I do them all the time, and provide elevations of building and HAG and LAG. Some cities and parishes require them just to have the finish floor information on all structures. In case of a flood they they can document the water elevation based upon which structures flooded.
I fill out A1 thru A9 - B1 thru B8 and for B9, 10 & 11 I use NA. Check off B12 if applicable. I also fill out the elevations in sections C1 and C2, where I can and NA where it doesn't apply. I then fill out the top part of page 4 and attache pictures. Describe in the comments section what you measured to for C2e.
It's just like a standard certificate except for B9 thru 11.
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For B 8 I use "X".
Do they not still have an Out As Shown LOMA?
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I'm wondering why you can't give them elevations? I see no harm in this...