This Service is free of charge and is based on approximate determinations and calculations.  (Otherwise a second opinion on you current flood insurance policy).  Please fill out the request form on the side and we will email back the results and let you know if there is any alternative options for your situation.

What Florida Floodzone Services will accomplish in the preliminary review:

1. Determine what flood zone the structure is located.
2. Calculate an approximate premium amount.
3. Determine if there is any possible solutions in lowering or eliminating the flood insurance coverage. 
4. Determine if proposed flood zone benefits or damges your current home value and insurance cost.

Solutions in Flood insurance

Florida Floodzone Services has found several ways of correcting/adjusting clients flood insurance policies.  We developed various ways to accomplished our goals using the experience and expertise, from our  professional  surveyor and mappers on staff.  Cost of each service varies  base on specific neighborhood information.  Various solutions developed are:

1. Historical Mapping Survey:  This service determines a timeline of the flood zone development in reference to the actual construction date of the subject building.  Structures can use a “Grandfather Rule” to be classified in the older flood zone if it was constructed per the building standards of that time period.  Refunds are usually based on a pro-ration of the current policy.
2. Out as Shown Survey:  This service is for structures near the flood zone limits and accurately maps the structure in relationship to flood zone boundary.  If a structure is proven outside the flood zone the owner might be able to obtain upto 6 years of full refunds due to an insurance mis-rating.
3. Elevation Certificate Survey:  This service will provide the insurance company up to date information on the subject structure and elevation.  The insurance company will be able to properly rate the insurance policy.
4. X Food Zone Certification:  This service will provides the owner a lender packet to release the requirment for flood insurance and a insurance packet to obtain refunds of the current flood insurance policy.  All documents will be certified by a state licensed surveyor which will be used as the owner "burden of proof" for this process.
5. Flood Zone Removal Survey:  This service will certified that the structure is above the calculated flood zone base flood elevation and  Florida Floodzone Services will obtain an FEMA exempt status for the structure.   With this exempt status in most cases the lender will not require flood insurance and the owner can still obtain cheaper insurance policy if desired.   If the policy is canceled the refund is a 100% of the current policy or if the policy is switch to a cheaper policy the refund is the difference of the two policies.  (discounts provided for group rates and if a valid elevation certificate is provided.)

Experience and Expertise:

Florida Floodzone Services has extensive experience with:

1. Flood Insurance Rules and Policies.
2. Calculating flood insurance premium costs.
3. Elevation certificate processes.
4. Neighborhood flooding models.
5. Flood plain management.
6. Flood zone boundary mapping.
7. Flood zone mitigation processes.
8. Flood zone permitting issues

Florida Floodzone Services group currently consist of the following expert qualifications:

1. Florida Licensed Surveyor and Mappers
2. Flood Plain Managers
3. FEMA Registered Licensed Mapping Professionals
4. Professionals with B.S. Engineering Degrees
5. Professional Insurance Agents

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We will try to respond to all requests within 24 hour time frame.