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| Q:
Why would WaterCrest Flood indicate a property is within a flood
zone when the developer, city, county and appraiser show it
to be clear? |
| A:
Many times, appraisers and developers know when additional flood
control work has been done. Most county entities consult with
their local flood authority, who might clear the lot based on
local information. However, until this work is filed and approved
by FEMA through a Letter of Map Revision (LOMR) or the updating
of a map, it will not affect the flood determination. |
| Q:
What do I do if I'm told my property is in a Special Flood Hazard
Area (SFHA) and my lender requires me to get flood insurance
but I have a survey that states my home is above the Base Flood
Elevation (BFE)? |
| A:
FEMA has created a process to correct or change flood maps to
reflect actual conditions for a subject property. Find out more
about the "LOMA" Letter of
Map Amendment process. |
| Q:
Why do other flood companies clear lots based on elevation certificates
when WaterCrest Flood does not? |
| A:
It is specifically stated in the FEMA guidelines that no one,
outside of FEMA itself, is allowed to remove a lot from a flood
zone based on elevation and this can ONLY be accomplished through
the LOMA/LOMR process. |
Q:
If two homes are right next to one another and one is determined
to be outside of a flood zone, is it safe to assume the second
home is also not in a flood zone?
|
| A:
No. The flood status of the property in question has no bearing
on the flood status of a neighboring property. Flood zone boundaries
do not follow property lines. |
Q:
If there has never been a flood in the area and no bodies of
water near by, how can a property be in a flood zone?
|
| A:
There are many different types of flood zones. Floods can be
caused by storms, melting snow, hurricanes and even water backup
due to inadequate or overloaded drainage systems, or a home
may be in an area where water frequently ponds. In their flood
maps, FEMA evaluates the possibility of flooding within 100
years. Many times a flood's history may well surpass a person
or community's memory. |
Q:
If the property is in Flood Zone A, without a letter
or number after the "A", the flood zone is "approximate".
[FEMA calls it an "unnumbered A Zone"] No Base Flood
Elevation (BFE) has been determined for the area. However, FEMA
can only approve a LOMA/R if a BFE has been established using standard
engineering methodology. What should I do?
|
| A:
Sometimes another government agency has done a flood study and
determined flood elevations, or perhaps the lot is in a fairly
recent subdivision for which flood elevations were determined
as part of the land development process. Check with your local
building or zoning office. |
| Q:
Where can I purchase flood insurance? |
A:
To buy a flood insurance policy, call your insurance agent or
contact one of the Write Your Own companies, private insurance
companies that write flood insurance under a special arrangement
with the Federal government. If your agent does not write flood
insurance or you don't have an agent, you may call the National
Flood Insurance Program's (NFIP) toll free number to obtain
the name of an agent in your area who does write flood insurance.
The number is 1-888-FLOOD29 or TDD# 1-800-427-5593. You can
also check your local Yellow Pages directory.
It's a good idea to have the same agent who writes your homeowners
or other insurance policies also write your flood insurance
policy so in the event you need to file a claim, you only have
to work with one insurance agency or company. |
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|
Phone:
(865) 588-1255 (800) 782-3127 Fax:
(865) 588-1174 (800) 782-5084
email: info@watercrestflood.com
|
