Building Your Home

Building a home is a great way to make sure your house is done right. You can choose the builders and engineers to design and make your building. There are things that should be considered long term though. Families rarely stay the same, and you want maintenance to be easy while you live there. Here are a few things to think about while during construction.

Systems

When you have a large investment like a home, you want to take care of it. Adding something like flood prevention systems can give you peace of mind. This can save you from large claims with insurance companies if you every were faced with bad storms and flooding in your area. Also, you may want to consider installing security cameras to help you keep a better watch over your home. Keeping your family safe should be one of the most important parts of the home.

Flexibility

If you are a young family and are thinking of having children, adding extra rooms and bathrooms may be a smart thing to do. If you spend all your time and money building a house, you want to have it for a long time. Many people decide to move into new houses because they outgrow their old ones. You might be able to avoid those problems by planning ahead.

Quality

The materials that you put into building your home will determine its value and longevity. Your home is a place you will spend a lot of time at, so you should look to put quality appliances and items in it. Spending a few extra dollars on better products will pay off in the end. The last thing you want to do is to replace things in a new home.

Building your own home can be an exciting, but stressful time. Planning everything out is very important to make sure everything goes smoothly.…

What You Need To Know About Flood Elevation Certificates

The National Flood Insurance Program (NFIP), administered by the Federal Emergency Management Agency (FEMA) requires an Elevation Certificate (EC) for buildings in high-risk areas to help determine flood risk and cost of insurance.  You may need an EC to assure compliance with local ordinances or to support your efforts for an amendment in the event the building is not in a floodplain. If you are seeking flood insurance, it is essential to know how to get an EC and when they are required.

How to get an Elevation Certificate

First, contact your local government or floodplain manager to see if elevation information or a certificate is already available for your building. You could also talk to the seller, developer, or builder if they have the certificate or know where it can be found. If no certificate is currently available, you look for a flood elevation certificate surveyor near me and remember; it is crucial to find a properly certified surveyor

When to get an Elevation Certificate

In general, an EC is required if your loan is financed or insured by an entity that is federally regulated. It may also be needed if your flood insurance is backed by NFIP or if  FEMA determines that your building is in a Special Flood Hazard Area (100-year floodplain). If your lender requires flood insurance, but you believe your building is not in a high-risk area, an EC could help eliminate the need for flood insurance.

Flood insurance is essential when it is relevant, and an EC, conducted by a properly certified surveyor, can help with that determination.  Knowing how and when to get an EC can make the process go more smoothly.  If a flood occurs and your building is affected because the EC helped determine the relevance of flood insurance, you can have protection.…