As a homeowner in a coastal or flood plain region, you already know that you need flood insurance. Though your house insurance will cover some damage, flood insurance is a necessity if the damage to your home is directly related to a flood. One of the key aspects of getting the proper flood insurance you need is to have a boundary survey done in order to obtain a flood elevation certificate. Here are a few things you need to know about this process and how it can help you with flood insurance in the future.
Boundary Surveying Analysis
The first thing you need to know about surveying and your flood insurance is what the boundary survey will show. Boundary surveying looks for specific issues within your property. The survey measures how far your property is from the flood elevation plane. This gives the insurance company the numbers it needs to determine how quickly you would be in a flooding situation that may cause damage to your home. Other aspects of the survey include where your home falls in the flood-zone zoning area by the county or city, photos of the boundaries and property, and the description of your property.
Survey Assistance for Flood Insurance
Your flood insurance is available through many options, but without the flood elevation certification that is obtained with boundary surveying, your premiums may be high. With a boundary surveying report, the flood insurance company you choose can make a better determination of your specific property. They can use the survey to assist them in a full evaluation of the property. This can greatly lower your premiums and allow you to get the insurance coverage you need in case flooding does occur. It can also help you to get insurance through a recognized company.
You will need to prepare yourself for the boundary surveying process. The surveyor will first locate every corner of the property and verify them against the deed for the property. The corners will be marked off with stakes, paint, or both. Once this is done, the surveying team will start to look at all of the buildings on the property. They will also look at improvements that have been made to the property and note them on the survey. This part of the survey will be used along with the flood elevation and flood zone portion of the survey in order to obtain the flood elevation certificate.
If you need to get your flood elevation certification, or if you are being told you need a new boundary survey, contact your boundary surveying contractor. They can schedule an appointment and help you with the surveying process. They can also answer questions about the flood elevation certificate.Share