Expert Elevation Certificates and Surveying for the east end of L.I.

       A Federal Emergency Management Agency (FEMA) elevation certificate is necessary for flood insurance on properties in flood-prone areas. It’s required when purchasing property with a federally regulated mortgage in Special Flood Hazard Areas (zones “A” or “V”). Searching the address of your desired property on the FEMA website will help you learn if this designation applies to you. The certificate helps insurance companies assess flood risk and determine rates. It provides essential details, including the property’s flood zone, building features, and the lowest floor elevation. 

       FEMA flood maps, updated regularly, guide flood risk assessments and insurance rates. A flood certification company can help obtain an elevation certificate, ensuring compliance with local codes and determining flood risk for your insurance. Additionally, you may qualify for lower flood insurance rates if the certificate proves that the lowest floor of your property clears the Base Flood Elevation Level. Also, if you’re planning construction, a new certificate may be required to assess the updated flood risk. Renovations and new construction can alter your flood risk potential, so stay on the safe side by contacting an elevation certificate surveyor.

       Insuring your property against flood damage is an important precaution, particularly if you live in an area with a high risk for flooding. However, flooding isn’t unheard of in areas outside of flood zones, so securing an elevation certificate for flood insurance will give you the peace of mind of knowing you’ll be protected in the event of a flooding disaster. Ultimately, Peconic FCS will provide you with details and suggestions that will net you the best flood insurance rate for your individual situation.