Letter of Map Change – LOMA / LOMR / LOMR-F

You’ve been mapped into a Special Flood Hazard Area, now what?

Must you resign yourself to paying flood insurance premiums for as long as you own the property?

Not necessarily!

FEMA’s approach to floodplain mapping is not granular enough to provide a confirmed determination for each property owner.  If you have a current Elevation Certificate in hand that indicates that the property is not actually at risk because the elevation data indicates the structure was properly ‘floodproofed’ during design and construction, then you likely meet the minimum qualifications to request removal of the property or structure from the floodplain through the Letter of Map Change process.

FEMA allows all property owners, except those placed in AO flood zones, to submit a Letter of Map Change request for issuance of a LOMA or LOMR or LOMR-F depending upon the individual circumstances of your situation.  Those circumstances will also determine whether FEMA will charge a fee for the submittal process.

Our flood expert started as a licensed flood insurance agent in 2005 and has submitted or assisted in the submittal of hundreds of Letter of Map Change requests.  During that time, only two requests have been denied by FEMA; one of those was successfully argued and the denial was overturned, and the other is still under review as of this writing.

Our success is your success!  If you’d like to explore the possibility of getting rid of your mandatory flood insurance premium give us a call and we can discuss the next steps.