The best time to know that your structure is compliant with the requirements of your policy is before that event occurs.
Structures constructed in Flood Hazard Areas, (whether moderate to high-risk flood zones) are required to meet certain standards of design that protect them and surrounding buildings from severe damage and/or collapse.
Understanding and implementing these standards have a direct effect on your flood insurance premium (the rate you pay for that coverage).
Newly constructed homes in a Flood Hazard Area are required to comply with these standards and for the most part they do.
However, once a home is occupied, things may change. Unpermitted improvements to the residence may alter the effectiveness of the original design.
In some cases these changes could affect the structural integrity of the building which could render your coverage ineffective, and result in a massive personal financial loss.
Our fee for consultations starts at $100 and is based on an hourly rate reflected by the service provided.
Leo Mills & Associates, Inc. offers the services of a Certified Flood Plain Manager (US-09-04190) for consultation regarding compliance with the rules and regulations affecting your flood insurance policy.
Disasters like hurricanes, floods caused by rain, dam or levee failure, or by clogged storm drains are all examples of claims that would most likely fall under the protection of the National Flood Insurance Program.
If you are considering building or purchasing a home in a "Flood Hazard Area", you need to know that your Flood Insurance Policy protects your possessions in the event of a disaster. It only takes a few inches of water to cause major damage to your home and its contents. Flood damage is not typically covered by a Homeowner's Policy.
Protect Yourself and Your Property in the Event of a Flood
From a simple evaluation of your Flood Elevation Certificate to a detailed home inspection, complete with a report and photographs, our service is designed to provide you with the tools to lower your Flood Insurance Premium and protect your investment.