In case your business or home is situated in a high risk area, your progressive insurance agent would be requiring a need of an Elevation Certificate (EC) to calculate Flood insurance premium. Elevation Certificate is a form by FEMA (Federal Emergency Management Agency) to be used for elevation of your house or a building. The form is filled by an Engineer or a land surveyor. The information in the certificate helps floodplain managers to meet local building ordinance and determine your flood insurance premium.
You can ask local floodplain manager to get an Elevation Certificate which must be in your file. Each National Flood insurance program community has flood plain manager, but that person should have different titles and be serving in different capabilities. While buying any house, you can take EC from the seller, if they do not have the one ask them to arrange for it before settling property details. You can also have EC from developer or a builder. He might have documented the EC during the time of construction. You can also find EC in your property deeds. For validation of your EC or document the same, you can hire a licensed land surveyor, a professional engineer or an architect who has by law authorized to certify their elevation information. They can prepare an EC for you at reasonable fees. You can find your State professional association for land surveyor or ask State NFIP coordinators or speak to local building permit office.
Elevation certificate can be exempted or may not be necessitated in case of Pre-FIRM properties to buy flood insurance. Secondly the properties which requires grandfathering, too does not require a new elevation certificate. However these properties types can choose to rate as per elevation certificate if so as it may account to decrease in the premium rate. If the properties are POST-FIRM constructed, “elevation certificates must be located in Flood Zones A-1 through A-30 , through A-30, AE, V, V1 through V-30 and also for the buildings which are built in unnumbered zones AO, AH, and A – if the buildings have basements or enclosures”. (Source: Willis.com).
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Elevation Certificates must be submitted with flood insurance applications for properties of Post-FIRM construction located in Flood Zones A-1. But as far as newly constructions are concerned in the flood prone areas, they require an elevation certificate for flood insurance rating. It is highly suggested to consult an insurance agent to get at the correct rating.
If you require help in finding an engineer or land surveyor, companies have websites that provide free quotations for getting an Elevation Certificate. These sites need to complete an online application. Many of these services have network of surveyors to complete the process. So if your building is in flood prone area requiring flood insurance, ensure you have Elevation Certificate.