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Elevation Certificate Who does em?

#1 User is offline   Garry 

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  Posted 20 March 2008 - 01:52 PM

Hey all. I don't post a lot but I am usually reading a lot. I like this place.

I live over near S River and Jefferson and like most of that area, it's a flood zone. Thankfully I have a little house and the flood insurance isn't terrible, but it woud be nice if it was even less.

My neighbor had an elevation certificate done years ago (he doesn't remember who did it), and his insurance dropped drastically from it. We have similar houses and I am thinking about having one done later this year.

I just don't know where to start. Are they worth having done? How much (about)? Anybody here do them? uhm.gif

Any help would be great.

Thanks,
Garry
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#2 User is offline   TheWiz 

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Posted 20 March 2008 - 02:11 PM

Any Certified Land Surveyer should be able to do it. I've had them done on my last 2 homes, but the guy that did mine has retired. I think they were about $300 each.

Both of my houses were proved to be above the 100 year flood plain and I was able to get my Flood insurance reduced by about half. I could actually go further & apply for a LOMA package (Letter of Map Amendment) and eliminate the need for flood insurace, I just never did that. I think that papperwork costs about $700. I would ask the surveyer you choose.

Just call around for quotes on Elevation Certificates...
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#3 User is offline   fish n chick 

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Posted 20 March 2008 - 03:08 PM

P.M.sunsation98. he's in land surveying.
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#4 User is offline   dnasty 

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Posted 20 March 2008 - 03:11 PM

Talking to the lenders, they are the ones that dictate if you have flood insurance and how much coverage you have on your home. If you do have another survey done, the lender is going to have the final say in whether you can lower the insurance or not. However, if you don't have a mortgage, you are not required to have flood insurance. I think you might be a little too young not to have a mortgage Gary, but I could definitely be wrong tongue.gif . Good luck!!
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#5 User is offline   K G 

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Posted 20 March 2008 - 03:13 PM

Please feel free to give me a call when ever you'd like! We can get ya taken care of! smile.gif Elevation Cert and LOMA paper work will be very reasonable!

586-822-7002
Ken George!

P.S. Fish-n-chicks, thanks for looking out for me! LOL

This post has been edited by sunsation98: 20 March 2008 - 03:21 PM

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#6 User is offline   boatnfish 

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Posted 20 March 2008 - 05:18 PM

QUOTE(sunsation98 @ Mar 20 2008, 04:12 PM) <{POST_SNAPBACK}>
Please feel free to give me a call when ever you'd like! We can get ya taken care of! smile.gif Elevation Cert and LOMA paper work will be very reasonable!

586-822-7002
Ken George!

P.S. Fish-n-chicks, thanks for looking out for me! LOL


Good to know. We have been looking at a couple of places on the lake. At least one of the places, the neighboring house has received a LOMA taking it out of the flood plane.


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#7 User is offline   Garry 

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Posted 20 March 2008 - 05:48 PM

QUOTE(dnasty @ Mar 20 2008, 03:11 PM) <{POST_SNAPBACK}>
Talking to the lenders, they are the ones that dictate if you have flood insurance and how much coverage you have on your home. If you do have another survey done, the lender is going to have the final say in whether you can lower the insurance or not. However, if you don't have a mortgage, you are not required to have flood insurance. I think you might be a little too young not to have a mortgage Gary, but I could definitely be wrong tongue.gif . Good luck!!


Yeah, unfortuantely, I had no silver spoon! I gotta get up every morning go to work. dry.gif
I can't get away from the mortgage for a loooong time! But thanks for pointing out the info on the mtg holder.

I have spoken with my mtg co, and they will honor the EC if done.

I will still carry a flood policy regardless, just won't have the huge premium from what I understand.

Thanks for all the input.
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