We are experienced in completing FEMA Elevation Certificates (EC) and we are a FEMA approved
eLOMA professional. We service clients in New York's Hudson Valley, Mohawk Valley and greater Capital District.
We have assembled a list of important information below describing the process for obtaining an EC.
For more in-depth information, including eLOMAs please click here.
We also encourage everyone to visit both the official FEMA website at
fema.gov and the offical NFIP website at
floodsmart.gov for additonal information.
Background Information about the National Flood Insurance Program (NFIP)
In 1968, Congress created the National Flood Insurance Program (NFIP). The NFIP offers flood insurance to homeowners, renters and business owners.
If you do not have federally related financing, you are not required by federal regulations to have flood insurance. However, a lender may require a borrower to obtain flood insurance even in the absence of a federal requirement.
Elevation Certificates (EC)
If your home or business is in a high-risk area, your insurance agent will likely need an Elevation Certificate (EC) to determine your flood insurance premium. Knowing your building’s elevation compared to the estimated height floodwaters will reach in a major flood helps determine your flood risk and the cost of your flood insurance. An EC documents the elevation of your building for insurance rating purposes.
The EC includes important information that is needed for determining a risk based premium rate for a flood insurance policy. For example, the EC shows the location of the building, Lowest Floor Elevation, building characteristics, and flood zone. Your insurance agent will use the EC to compare your building’s elevation to the Base Flood Elevation (BFE) shown on the map being used for rating and determine the cost to cover your flood risk. The higher your lowest floor is above the BFE, the lower the risk of flooding. Lower risk typically means lower flood insurance premiums.
EC Order Process
Step 1) Complete the form below to request a free quote.
Step 2) An email will be sent when we review your completed form. We will provide you instructions for making payment and scheduling access to the building for the field survey.
Step 3) Be at the building at the scheduled appointment time, prepared to provide access to the first floor, basement and any crawlspaces.
Step 4) Receive three (3), signed and stamped, copies of your EC by mail. Clients typically receive their completed EC within five (5) days of the scheduled field work on site.
To request a free quote for an EC, please complete the form below or contact us at