LOMA – LETTER OF MAP AMENDMENT
Is Your Property Exempt From Flood Insurance Payments?
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A FEMA LOMA Letter is a document provided by the government that declares a property to be at a different elevation than previously recorded. LOMA’s are a precise re-measurement of a property’s likelihood of being flooded. This document can be used as a tool to lower a property’s flood insurance rates. Loma Elevation Certificate’s team will help you obtain a LOMA and remove your residential or commercial property from flood zones. If your structure is reasonably safe from flooding it can be removed from FEMA’s flood plain zones. Once qualified and approved by FEMA (the Federal Emergency Management Agency) you can inform your insurance agency that you are exempt from paying flood insurance and request a refund of your flood protection premiums. The refund will more than cover the processing fee of your LOMA, check with your insurance. You can easily eliminate flood insurance this way.
As a major aspect of its organization, FEMA (Federal Emergency Management Agency) distributes surge risk maps, called Flood Insurance Rate Maps. The reason for these maps is to demonstrate zones that are liable to flooding within the nation. One section on the rate map is a Special Flood Hazard Area or (SFHA). The SFHA is the region that has a 1% or more noteworthy possibility of flooding in any given year. The flood danger and risk data introduced on the rate map are performed by licensed surveyors or engineers in the US territory.
Unintentionally, properties appear inside of a flood zone on a rate map despite the fact that the structure is over the base flood elevation. This is because FEMA’s maps are not completely accurate. It’s not realistic for FEMA to specify if each property in the US is above of base flood elevation zone. FEMA has the enormous task of mapping the United States as a whole and for that reason there are mistakes and updates.
More reasons to apply
Letter Of Map Amendment / Letter Of Map Change / Letter Of Map Revision
A LOMA – LETTER OF MAP AMENDMENT is used to amend FEMA’s flood maps due to a number of errors made my FEMA. For instance, the construction of individual properties are not taken into consideration under FEMAs rate maps. If your property’s lowest horizontal structural member is raised above the base flood elevation, then FEMA has wrongly placed you in their insurance rate maps. This decision to raise the property above the flood line before construction can save homeowners a lot of money. If your property’s Elevation Certificate can show proof that your lowest floor is above the base flood elevation then LOMA Elevation Certificate’s team can help eliminate your insurance premiums.
FEMA utilizes the most accessible surge data and applies thorough measures in building up the Flood Insurance Rate Maps (FIRMs). Due to impediments of scale or topographic interpretations of the source maps used to set up a FIRMs, portions of the map may incidentally appear inside of a flood plain on a FIRM. In this case; using the Elevation Certificate of the property, LOMA Elevation Certificate’s team can help eliminate your insurance premiums.
Knowing that these circumstances happen, FEMA allows residents to amend the flood maps. Procedures allowed by FEMA are called Letter of Map Amendments (LOMA’s), Letter of Map Change (LOMC), Letter of Map Revision (LOMR) and Letter of Map Revision Based on Fill (LOMR-F). Through these procedures, a person who possesses, leases or rents a property may present certain mapping and study data to FEMA and request that FEMA issue a record that formally exempts the property and/or structure from the SFHA (Special Flood Hazard Area). Property owners should contract LOMA Elevation Certificate’s team to set up an Elevation Certificate for the property. After FEMA accepts a complete application through the mail or through the Online LOMC application, FEMA will regularly finish its audit and issue its determination in 4 to 6 weeks.
