Are you looking for an Elevation Certificate in Bergen County NJ?
Omland & Osterkorn is an experienced and accomplished engineering firm that can provide you with an Elevation Certificate in Bergen County NJ.
Elevation certificates also documents the elevation of your
building for the floodplain managers enforcing local building ordinance, and
for insurance rating purposes. The need for an elevation certificate is very
important if you are living in a high-risk area that is prone to flood which
can have disastrous after effects.
How to Get an Elevation
Certificate:
If you are starting the process from scratch, check with
your local government to raise the profile or certification in your home. If
none of these are available, you will need to contract a state-certified
surveyor, architect or designer to do the elevation certificate. The cost of
the elevation certificate will vary depending on your location and the
complexity of the job.
Please Note: An Elevation Certificate does not
expire. However, newer Elevation Certificates require additional information
that older ones do not offer. In order for an agent to offer you a quote on a
high-risk flood policy, you may need to update your Elevation Certificate.
Unfortunately, this may require that you again enlist the services of a
surveyor or architect to provide that additional information.
When You Need a New Elevation
Certificate: If
you make substantial changes to your building in a high-risk area—for example,
you make an addition to your home or convert the garage to living space—you
likely need a new EC to reflect the new building characteristics and Lowest
Floor Elevation.
When You Do Not Need a New Elevation
Certificate: As
long as the structure information on your elevation certificate is accurate,
you do not need a new one. If you get an elevation certificate from the
previous property owner or have a copy of the one on file with your community,
your insurance agent can use the certificate to rate your policy. If your
community adopted new FIRMs and your building has not changed, your insurance agent
can rate your policy using the information on the old elevation certificate and
the FIRM used to rate your policy. However, you might need to provide
additional information, such as new photographs of your home or business.
Why you need an Elevation Certificate:
- To determine the flood
insurance policy rates. Without an Elevation Certificate, your home
may not be rated properly and you could be paying unnecessarily high
rates.
- Rebuilding the
structure after a disaster to the proper elevation to protect it in the
future.
- Remodeling a
property or raising it to help mitigation future losses from flood
disasters.
For more information about elevation certificates in Bergen County NJ, speak to one of our engineers at 973-647-7820.
Omland & Osterkorn – Your Trusted Elevation Certificate Surveyors in Bergen County NJ.
No comments:
Post a Comment