Elevation Certificate Training. Long Island flooding

Transcription

1 Elevation Certificate Training Long Island flooding

2 Flood Zones Rockaway, Queens

3 Flood Zones Special Flood Hazard Areas Zones beginning with A or V A, A1-A30, AE, AO, AH, A99, AR Rivers, Lakes, Low Lying Areas V, V1-V30, VE Ocean, Bay Mandatory purchase applies 100 YEAR FLOOD 1% percent annual chance the land could be inundated by a flood

4 FLOOD ZONES Moderate And Minimal Flood Hazard Areas (non-sfha) Zone B, C, OR X 30% claims paid in these zones Insurance is optional 500 YEAR FLOOD PRP Can not have more than 2 flood claims or disaster relief from FEMA PRP Extension (PRP EE) Map revision after 10/1/2008 moving from B,C or X into a SFHA

5 Pre-FIRM vs. Post-FIRM Flood Insurance Rate Map (FIRM) PRE-FIRM Constructed prior to the initial FIRM POST-FIRM Constructed or Substantially Improved after the FIRM Should be constructed based upon the map in affect at the time of construction

6 Community Code Post-FIRM Date Current Flood Map City of Rye /1/1980 4/1/1980 Greenport /15/1983 9/25/2009 Garden City /02/1997 9/11/2009 Riverhead /1/1978 9/25/2009 Great Neck Village /17/1982 9/11/2009 Massapequa /19/1983 9/11/2009 Mineola /31/2007 9/11/2009 NYC 5 Boroughs /16/ /16/1983

7 Elevation Certificate (EC) Prior to Biggert Waters (10/1/2013) Optional Pre-FIRM in SFHA Required Post-FIRM in SFHA Not Required in B, C or X Zones BW (10/1/2013) Full Risk Rating Pre-FIRM New Retro 7/6/2012 Lapse 10/4/2012 Required Post-FIRM HomeOwner Act (4/15/2014) All business processed after 5/1/2014 can use subsidized rates Optional Pre-FIRM Required Post FIRM

8 Elevation Certificate Land Surveyor Engineer Architect Community Official authorized by Law or Ordinance to provide floodplain Mgmt Building elevation information

9 FIRM Panel 0001C - Specific Location N Approximate Scale In Feet The structure is located on Vallejo Ave. 200 feet upstream of the Sutter Blvd. and Vallejo Ave. intersection. ZONE X E Vallejo Ave. Larkin St. Alvarado Ave. D Fremont St. C ZONE AE Monterey Ave. Bidwell St. 200 feet ZONE X Sutter Blvd. Fort Ross Ave. X RM1 Sonoma Ave. LIMIT OF DETAILED STUDY B ZONE A A

10 Name does not need to match Make sure address matches Document if it does not then document Need 2 recently dated photos/4 for Split Level Use diagram numbers as reference Venting information found in A8 & A9 Important in A zone rating

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12 Section A Building Diagrams 9 Types of Foundations Non-Elevated Buildings (1a,1b,2,3,4 & 9) Slab (Diagrams 1A,1B, 3) Basement (2, 4) Crawlspace Below Grade (9) Elevated Building (5, 6, 7 & 8) Elevated No Enclosure (5) Elevated with Enclosure (6) - Storage Elevated with Enclosure (7) - Walkout Elevated (8) - Crawlspace at Grade

13 Non-Elevated Buildings Diagram 4 Diagram 1 Diagram 3 Diagram 2

14 Elevated Buildings Diagram 5 Diagram 6 Diagram 7 Diagram 8

15 Enclosures Portion of an elevated building below the lowest elevated floor that is either partially or fully shut in by rigid walls

16 Proper Openings (A Zones Only) Minimum of two Openings Opposite Walls No Higher than 1 Ft above the higher of the interior or exterior grade. Sq inches of venting => than Sq Ft of enclosure Newer Elevation Certificates have Venting Information Older Elevation Certificates do not venting information and the Agent needs to obtain Engineer Vents have wider openings ½ Sq Inch for every Sq foot

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18 Reflects current map info Compare DOC to map Possible Grandfathering Important to ensure the same Datum is used for both the Map and LFE Elevations If B12 is checked work with your underwriter Based upon the DOC flood insurance may not be available

19 Vertical Datum Reference Point used to calculate elevations Two Main Types NGV29 Geodetic Vertical Datum of 1929 NAVD88 North American V. Datum 1988 More Accurate Compare B.11 to C.2

20 Flood Insurance can be sold before/during/after construction Check Datum is same for Flood Map Garages Single Family/A Zones Non-Elevated/M&E above BFE or Proper Vents Check if Basement or Below Grade Crawl

21 Basement Any area of the building, including any sunken room or sunken portion of a room, having its floor below ground level (subgrade) on all If C2f (LAG) is > than C2a = Basement or Below Grade Crawl Space There are special rates for Below Grade Crawl Less Expensive then a Basement

22 Below Grade Crawlspace vs. Basement?

23 Building Diagrams 9 Below Grade Crawlspace 23

24 Sub-Grade Crawl Space 2/5 Rule Within 2 feet below grade (LAG) on all sides = -2 Within 5 feet from the top of the next higher floor = +3.90

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26 Obstruction (V Zones Only) Obstruction Any wall (1-4) may constitute an obstruction whether it is on the ocean or beach side. LFE is the bottom of wall Any M&E below the base flood elevation LFE is M&E Breakaway Walls > 300 sq. feet or with M&E LFE is the bottom of the Breakaway Wall

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28 Building Photographs

29 Show what you are trying to prove. Don t send pictures like this. Minimum 0f 2 Photos (Front & Back)/4 Photos for MultiMulti-Level Can you tell how many floors there are above the enclosure? Looking at this picture, can you tell the size of the enclosure? 29

30 Required Proper Photos Recently dated photos Within 90 days 2 Photos for elevated buildings 4 Photos for Split Level More photos the better Need to see: Number of floors Enclosure (vents/breakaway)

31 Check for Comments on the back Make sure dated, signed/seal or license number

32 Only for AO & A without a BFE Premium is determined by comparing LFE to LAG Property Owner or Owner s Representative can complete

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