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#2177178 - 05/08/18 04:01 PM Flood Coverage Must Match Determination Flood Zone
TINKerBell Offline
Power Poster

Registered: 11/16/06
Posts: 3180
Loc: Tiger's Den!
We have a property that has a flood zone of AE on the flood determination, but their flood policy shows X. Normally, I would request a change in coverage to match AE, but the insurance company provided us with an elevation certificate. I was under the understanding that in order to change flood zones, a LOMA is required. Am I missing something here?
The last thing that blew my mind was the wind.

Flood Compliance
#2177200 - 05/08/18 04:54 PM Re: Flood Coverage Must Match Determination Flood Zone [Re: TINKerBell]
rlcarey Online
10K Club

Registered: 07/16/01
Posts: 69768
Loc: Galveston, TX
It is. The only way they would not match is if the policy was grandfathered. All buildings post FIRM must be constructed above the BSE - the fact that the ground floor elevation is above the BSE has nothing to do with the zone the building is in.
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