Frequently Asked Questions

What is the per-determination cost?

Our pricing structure is nearly half the industry average and is based on yearly volume. For more specific pricing information, please call (800)261-3111.

What are your Flood Determination Procedures?

Click here for a comprehensive document containing our Flood Detmermination procedures.

What are the possible flood zones and what do they mean?

Click here for a listing of zones and their meanings.

Can you provide general Information About the National Flood Insurance Program (NFIP)?

Yes, please click here for some FAQ's about the NFIP.

Where can I find the Mandatory Purchase of Flood Insurance Guidelines?

The Guidelines can be found here.

How are life of loan (LOL) updates processed?

The life of loan process is detailed here. This document also details the LOL update notification and retrieval processes.

How many determinations do I need?

For more information describing the number of determinations required in unique situations such as condominiums, duplexes and apartment complexes, click here.

Can a flood determination be completed on a property without a structure?

Yes, we can process a Land Only determination for properties without structures. To review our Land Only policies, please click here.

What are the policies regarding loanid/name changes, recertifications, back dating and disputes?

In some cases we can change a loanid or name on a completed flood determination. Please review this document to see when these types of changes are allowed.

To review our policy on disputes, click here.

Opps... I entered the wrong address when I submitted my flood determination request! What do I do?

Click here for more information.

What is meant by "Participating Community"?

Participation in the National Flood Insurance Program (NFIP) for each community is voluntary. Participation indicates that the residents in that community are able, and required by law, to purchase flood insurance if any part of an insurable structure on their property is located within a Special Flood Hazard Area (SFHA). If a community is a "Non-Participating" community or has been suspended by FEMA, flood insurance is not available.

What if I believe that my property is not located in a Special Flood Hazard Area, but the flood determination says that it is?

We are always willing to reinvestigate a determination that it has made based on additional information provided by either the borrower or the lender. Please see the "Dispute Resolution" section of this site.

What is an insurable structure, as defined by the NFIP?

A structure is any walled and roofed improvement predominately above ground including manufactured homes affixed to permanent foundations.

What if my property is located within a Special Flood Hazard Area (SFHA), but the structure is not? Is flood insurance required?

No, the structure itself has to be in the SFHA to require insurance.

For more information, please see the FEMA and NFIP sites.

http://www.fema.gov, http://www.fema.org/nfip