![]() Some private options do not require elevation certificates if the property is in a preferred zone, so check with your Agent to see what they advise. Heres what you need to know to make sure youre covered. It’s almost always a benefit to obtain an elevation certificate as it allows for a more accurate rating process. Updated on: DecemHow does flood insurance work A standard homeowners insurance policy will not protect you from flooding that originates outside the home, like flash flooding. Depending on the zone that your property is in and what type of flood insurance you are seeking, you may be required to obtain an elevation certificate. Flood is specifically rated based on your building elevations in relation to neighboring properties.Īn elevation certificate is a document prepared by a qualified engineer or surveyor that provides information about the elevation of the building in relation to the area’s base flood elevation as well as information about the building and the location on the most current flood maps. Quotes online with the National Flood Insurance Program for all of FL. ![]() If your property is located in a Special Flood Hazard Area (SFHA), an elevation certificate issued by a licensed property surveyor is required to provide an accurate flood insurance quotation. Florida Flood Insurance Rates, Quotes & Policies online with Greene & Associates. Whether you are located in a flood zone that requires you to carry flood insurance or if you are located in a zone where coverage is optional, virtually every property in Florida should carry flood insurance to protect against the damage caused by rising bodies of water.ĭifferent flood policy fees apply to investment property than to primary residences so additional documentation demonstrating a property is your primary residence is required to qualify for the lower fees.
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