A neighbor, who paid the $125 to be part of a VeronaWalk Group, having surveys completed for the purpose of getting a Letter of Map Amendment (LOMA) for Flood Insurance reasons has offered some information readers may wish to evaluate.
He made a phone call to the surveying company to get a status report regarding his LOMA. He was asked "Do you need only the LOMA" or "Do you need an Elevation Certificate (EC) too?"
In order to have the EC the survey company must visit your home to measure elevations. They may not need to do that visit to get a homeowner the LOMA. The issue is: What does your insurance carrier demand.
Allstate Insurance, for example, wants only the EC.
If you are thinking of buying flood insurance, it would be very wise to examine this (EC) subject, with a knowledgeable insurance person, and/or contact the survey company to request this certificate.
Apparently the EC is not going to be provided automatically with the LOMA. Each case may be different.
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