DOCUMENTS FOR PROFESSIONALS
LCG will require the latest version of the elevation certificate (FEMA FORM 086-0-33), as required by the National Flood Insurance Program W-16040 Bulletin. Please click on the following link for the 2019 FEMA Elevation Certificate
Letter of Map Change
Real Estate Agents
Buildings in Special Flood Hazard Areas (SFHAs) must be built to minimize future flood damage. At a minimum, residences must be built so that the lowest floor (including basement) is elevated 1’ foot above the Base Flood Elevation. Make sure
your clients know this if they are considering developing land in the SFHA. Also be aware that existing buildings in the SFHA not constructed in accordance with such standards will carry high flood insurance premiums.
Insurance Industry Professionals
Get information about upcoming training, answers to common client questions and resources about writing policies, managing claims and marketing your business through FloodSmart’s Agent
Lending Industry Professionals
Remember that it is your role as a lender to enforce the federal flood insurance requirement for properties with federally backed loans. Failure to do so will result in penalties including significant fines.
The NFIP offers training for lenders on a variety of topics. To receive advance notice when new training sessions are scheduled, sign up for NFIP Training Updates
In cases when a lender’s flood zone determination is different from that of an insurance agent, FEMA recommends that the more hazardous flood zone be used for rating, unless the building qualifies for the NFIP Grandfather Rules