Elevation Certificate

---

An Elevation Certificate (EC) is an in depth analysis of a structure's elevation. This information is used for two important purposes, the first being that FEMA (Federal Emergency Management Agency) can use it to judge the actual risk of flooding from extreme rainfall, and the second being that your insurance agency uses it to judge your risk of flooding and how much your Flood Insurance premium should be.

Flood Map Engineering is a major activity at KAPPA Surveying and Engineering, Inc.  Our staff of surveyors and civil engineers perform flood insurance surveys and flood mapping activities daily. We are familiar with the rules, regulations and procedures of FEMA, the people who create and manage the Flood Maps in San Diego.
 

Things you should know about how Flood Map Engineering directly affects you:

• If you live near a body of water, you may be required to purchase flood insurance.
• If you are already paying for flood insurance, it may be possible to reduce your insurance cost simply by surveying your lot and filing an Elevation Certificate with your insurance company.
• Even though your home may be shown on a flood map, if the elevation is high enough it may be possible to be removed from the special flood hazard area and thus, your lender may be able to remove the requirement to purchase flood insurance.

 KAPPA Surveying and Engineering has extensive experience in helping our clients reduce their flood insurance rate or remove the flood insurance requirement altogether.  We have successfully processed many applications though FEMA and are knowledgeable in the process of preparing a FEMA Elevation Certificate as well as applying for Letter of Map Amendments (LOMA) or eLOMA.  We have developed an efficient system to perform your flood insurance survey and have broken the process into two clear and comprehensive phases: the Elevation Certificate/Flood Insurance Survey Phase and the Flood Insurance Elimination Phase.
 

The Elevation Certificate/Flood Insurance Survey Phase will provide the information for KAPPA to evaluate your property's chances for a successful application to FEMA. Through this process we will prepare a FEMA Elevation Certificate to reduce your flood insurance rate or continue to the Flood Insurance Elimination Phase to potentially eliminate your requirement to purchase flood insurance. 

• Our services include field measurement of the elevation of your home's floor level,
• Field measurement of the ground elevations at the major corners of your home,
• Analysis of the FEMA Base Flood Elevation, and
• Recommendation from KAPPA as to whether or not to proceed with a FEMA LOMA application.
• If the results of our survey suggest that your project will not be approved by FEMA for a map amendment, we will provide you with a FEMA Elevation Certificate in order to acquire your actual risk rate from your insurance company.

The Flood Insurance Elimination Phase consists of compiling the required documents to submit and process a full and complete FEMA LOMA or eLOMA application package.  The typical required documents are:

• Preparation of a FEMA 'Firmette'.
• Completion of the official FEMA Property Information Questionnaire.
• Markup and reproduction of the required pages of the FEMA FIS profiles.
• Preparation of a field elevation affidavit.
• Legal descriptions, deeds, and other required documents.

If you are in need of a FEMA Elevation Certificate and a flood insurance survey we at KAPPA are here to help.   For a free quote to have KAPPA prepare a FEMA Elevation Certificate and flood insurance survey, call us or fill out our "Request a Quote Form".