Flood Insurance Elevation Certificate Requirements
Flood Insurance Elevation Certificate is a documentation which was initially developed by the Federal Emergency Management Agency which acts as a proof to authenticate the height and elevations of the buildings that are built. This certificate is a must and an absolute necessity for buildings, especially those which are built in areas which are prone to flood risks.
This document, or rather the certificate form is usually completed by the land surveyor of the area or it can be done by any engineer who is a professional. The insurance rate of the building depends entirely on the information that is provided in the Elevation Certificate of the building. This certificate is mostly required by lenders and those who buy locations and apply for flood coverage insurance.
Requirements to Obtain Elevation Certificate
There are a few requirements that need to be meted out before applying and obtaining an elevation certificate for your location or your building. These requirements which need to be fulfilled are:
- The first most important thing is to contact the office of the local governance body or the municipal’s office to check whether the area of the location already possess an elevation certificate or not. Since the certificate is issued by a governmental entity, these bodies usually already have the official papers with them.
- In case the first step does not work out, the next option is to look for a professional engineer or the land surveyor of the area. These people are well aware about the procedures and processes that are involved in obtaining the elevation certificate.
- During the application for the certificate the APN number or better known as the tax parcel ID number is required.
The search for a land surveyor or a professional engineer could sometimes turn out to be a tedious task. To make it convenient and an easier process there are a number of companies or websites who offer these services to obtain elevation certificate of the required area or location.
When new buildings are built- whether domestic or commercial- the elevation certificate is issued on a calculation which is done on the basis of a relation between the heights of the lowest floor of the building to be constructed with the Base Flood Elevation as it is considered.
- The rating of these buildings is done using the issued certificate.
- A procedure called “grandfathering” is applied in case there are any updates or changes in the main floodplain map that is provided by the Flood Insurance Rate Map.
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