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  • Very often, flood insurance premiums are reduced through the use of elevation certificates. In the absence of the data and information provided on elevation certificates, flood insurance companies assume the worse case scenario and charge the highest rates. Many property owners elect to purchase elevation certificates for pre-FIRM homes and buildings in the high-risk flood zones to determine if the flood insurance premium rate would be lower when rated according to post-FIRM rules.  It is however in your best interest to consult your insurance agent prior to conducting an elevation certificate, also before grandfathering if you wish to do the opposite and get a post-FIRM building rated as pre-FIRM.

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Posted 10:44 AM

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