This is a great question to be asking at this time. If the subject property is within or even close to the FEMA flood limits, the existing insurance company would have required the owner to pay higher premiums or get a elevation certificate. If the owner does not have one, this could indicate the property is not in a threatened situation.
It is to your advantage to pay for and retain a flood certificate. You will discover the number of feet above the flood elevation willl prove to have a dramatic influence on your premiums. Four feet or more are golden.
Making the elevation survey available to future owners is a great benefit and addresses some of their risk aversion needs.
A local surveyor will be able to complete a elevation survey and provide an elevation certificate.
Best of success,
Annette Lawrence, Broker/Associate
Remax Realtec Group
Palm Harbor, FL
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