Difference in FEMA Elevation Certificate and LOMA

College Station Land Surveying Posted on by

I get calls all the time from someone requesting an Elevation Certificate or Elevation Survey. Usually it’s because they’ve gotten a letter in the mail from their mortgage company telling them they have to get flood insurance. This leads them to contact their insurance company and that leads to a surveyor.

“purchasing flood insurance is mandatory…if the loan is federally insured or the lender is regulated by the federal government”

Purpose of the Elevation Certificate

elevation_certificateAn Elevation Certificate is a form “…used to provide elevation information necessary to ensure compliance with community floodplain management ordinances, to determine the proper insurance premium rate, and to support a request for a Letter of Map Amendment (LOMA)…” Make sure that your surveyor uses the latest version of this form as it’s currently being revised (March 2016).

Surveyor Measures the Elevations

The surveyor determines the lowest floor elevation of the house, the lowest adjacent grade (LAG) elevations of the house, the elevation of the lowest element attached to the house (like a porch step,) and the lowest elevation of machinery or equipment servicing the building. The surveyor also identifies the building type according to the instructions in the Elevation Certificate form.

Base Flood Elevation Determined

After these are measured, then the Base Flood Elevation (BFE) is determined from either the Flood Maps (FIRM), the Flood Insurance Study (FIS), or by the local community. The difference in elevation between this BFE and the LAG and/or Lowest Floor will determine the insurance premium rate.

LOMA Removes Flood Insurance Requirement

Even if an Elevation Certificate shows that your house is above the Base Flood Elevation at all points, you still have the requirement to obtain flood insurance. Only after the submission and approval of a Letter of Map Amendment (LOMA) can the Flood Map be amended and the Federal mandate for the purchase of flood insurance be removed.GIS with Flood Hazard Zone Overlay

The LOMA process can be done online and typically takes 30 days or less but sometimes a review of the LOMA submission can identify additional information that is needed.

It should be noted that the Elevation Certificate must be completed by a Land Surveyor, Engineer, or an Architect who is authorized by law to certify elevation information, though I don’t know of any Architects that will do these, and not too many Engineers.

Call College Station Land Surveying at ​(979) 985-2525 for help with an elevation certificate or LOMA in College Station or Brazos County, Texas.

What is Property Encroachment and How to Deal with It

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What exactly is property encroachment? Encroachment happens when a certain improvement extends onto and over the boundary line of a neighboring property.

One of the most common types of encroachment is structural encroachment – this is when a part of a building extends over the property line. However, gardening beds as well as fences also are constructed over the line and are considered an encroachment as well.

Why do encroachments happen? More often than not, an encroachment is an honest mistake. It might be that the previous owner or contractor miscalculated and thought they were building on their property, or the wrong pin may have been used. Without a survey, this happens more than you would think.

There are several ways to deal with encroachments. The easiest way is to politely ask your neighbor to remove the encroachment. This is not usually a big problem if it’s only a flower bed or something else that can easily be removed.

If it’s a fence or a part of a structure, you can strike up an agreement and have the other party pay rent for the part of your property that was encroached. Another option is to sell the “encroached” property to the other party so they’re free to use it.

If you would rather use your property, you can go to court and plead your case. This is the most expensive option usually. An early agreement is much better for both sides.

Property Encroachment

This is exactly why a land survey is very important if you’re going to buy property. When it comes to an encroachment, the earlier you address the problem, the better. This is because of the Adverse Possession laws.

This law states that if someone openly uses a piece of property for a certain period of time and pays taxes for it, among other requirements, they could claim possession of the property and be awarded ownership.

Please note though that each state has different property encroachment laws so it’s best that you talk to a lawyer and a local land surveyor.

For any property encroachment problems or questions about it, call College Station Land Surveying at ​(979) 985-2525 or send us a message through our contact form.

Basics of a Property Survey or Boundary Survey

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Both property surveying and boundary surveying dates back in ancient history to the Egyptians who surveyed farm sites along the Nile River after every flood event.

Boundary Surveying Today

boundary surveying

Surveying is used for many reasons today.  A property survey or boundary survey is completed to establish a specific location of a parcel of land along with its exact acreage.  It is used to determine the boundaries of an area of ownership.

It is also used to identify a piece of property by a written legal description or to provide a review of the accuracy of an existing description. This data is of the utmost importance with regard to buying and selling land, and is also used to insure a clear title to the land.Here’s a little more about boundary surveying.

There are many different kinds of surveys that can be performed. Boundary surveying is typically done for undeveloped land. A lot survey or closing survey is typically done to re-establish the boundary of a previously established parcel of land.

These types of surveys measure the actual physical extent of the property in question. Most surveys progress through the basic procedures regardless of the type being done.

Any pertinent deeds, contracts, maps or other documents that contain a description of the property’s boundaries are located, studied and interpreted. A determination is made of what the actual property description says, along with the locations of any physical evidence of the boundaries.

This can be in the form of both natural and man-made monuments or markers that exist in the field. The property is then measured to establish the boundary, not only using the appropriate existing monuments but with setting new markers where necessary.

Measurements are accomplished using a total station and other surveying tools. A total station measures both vertical and horizontal angles, as used in triangulation networks. After these steps are accomplished, the property description and plat are prepared.

Boundary Surveying: Interpreting results

adams county ms property surveyInterpreting the results of boundary surveying is not as difficult as it may first seem. For instance, a property plat will usually contain a directional orientation which is typically indicated with an arrow pointing north.It will contain the bearing and distance of each boundary line, the property lines of other properties shown on the plat, and the names of adjacent property owners listed in the areas of their property.

Corner monuments, along with the names of any natural monuments (such as “Smith’s Creek”, for example) or a brief description of any unnamed natural monuments (such as the “30-inch oak tree”) are on the plat.

There is also a title block containing the property’s location and owner name, the land surveyor’s name and license number, the date the survey was performed, the scale of the plat and any other relevant data.

Boundary Surveying Services

For a free boundary surveying quote for College Station or Brazos County, Mississipi, call College Station Land Surveying at ​(979) 985-2525 or visit our contact page to send us a message.