Flood Certification

Identify whether or not properties that are being acquired by loan applicants or used as collateral sit on government-designated flood plains.

Our Flood Certification independently verifies a property’s flood status based on the date of the current Flood Insurance Rate Map (FIRM) and the date the order was received. Our comprehensive, user-friendly reports flag troublesome results, enabling you to quickly evaluate loan risk and process applications more efficiently.

Through the powerful combination of our manual mapping and quality control methodology, proprietary software, geographic information systems applications, and highly trained staff, we offer a complete, guaranteed flood hazard disclosure solution for the real estate and insurance industries.

Basic Flood Certification

Our Basic Flood Certification provides one-time flood plain determination. Conclusions are based on the most current data detailing a property’s flood-zone exposure. You can order our report through our secure online platform. Reports include:

  • Key details on the property including community name and number, panel number, suffix, and date
  • A notice to the borrower for all properties in and out of a Special Flood Hazard Area (SFHA)
  • Indemnification for flood loss claims and fines due to noncompliance
  • Errors and Omissions (E&O) coverage
  • Home Mortgage Disclosure Act (HMDA) data

Portfolio service

During a flood audit review, your entire portfolio is covered under a blanket flood policy to offer immediate protection. Each property in your portfolio will be researched with the same level of precision as with single orders. We also offer life of loan service for portfolio reviews.

Life of Loan Flood Certification

With our Life of Loan Flood Certification, you receive notification of any changes in the property’s flood zone status. Notifications will occur within 60 days of updates to the Flood Insurance Rate Map (FIRM). Reports include:

  • Tracking flood hazard status for the term of the loan
  • Monitoring of Federal Emergency Management Agency (FEMA) flood map revisions and National Flood Insurance Program (NFIP) community participation status changes
  • Notification of all future FEMA map changes affecting flood insurance requirements
  • A notice to the borrower for all properties in and out of a Special Flood Hazard Area (SFHA)
  • Free transferability
  • Free recertification provided the borrower and property address remain the same