Letter of Map Amendment
A Letter of Map Amendment (LOMA) is an official amendment, by letter, to an effective National Flood Insurance Program (NFIP) map. A LOMA establishes a property”s location in relation to the Special Flood Hazard Area (SFHA). LOMAs are usually issued because a property has been inadvertently mapped as being in the floodplain, but is actually on natural high ground above the base flood elevation.
Because a LOMA officially amends the effective NFIP map, it is a public record that the community must maintain. Any LOMA should be noted on the community”s master flood map and filed by panel number in an accessible location.
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Requesting a map amendment from FEMA can be difficult and time consuming. Experienced Mapping Analysts can do the following work for you:
- Review the property and verify the current FEMA flood zone.
- Obtain and compile all the public research required by FEMA for the dispute.
- Submit all available information to FEMA for review.
- Provide FEMA additional information required to quickly complete the application.
- Send you the completed map amendment document removing the structure from the FEMA high-risk flood zone.
A lender will apply this Letter of Map Amendment to their FEMA Flood Zone Determination, overturn the flood zone, and drop the flood insurance requirement. If you choose to have a policy, it will be available at a heavily discounted rate. You will save money- guaranteed.
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