2 On Your Side Flooded With Flood Insurance Complaints
Join the discussion below, or Read more at WGRZ Buffalo.
#1 Apr 4, 2008
I live in East Amherst, I also am forced to have flood insurance.Check out my insurance premium $2,375.00 per yr. when is someone going to help the people in East Amherst. I really am not in a flood zone.
#2 Dec 5, 2008
Jo-Ann, you should contact the Town of Amherst Engineering Department at 1100 North Forest Rd. They can help you having your house removed from the floodplain.
#3 Dec 5, 2008
Americans living in the South near the Gulf and Atlantic coasts need subsities provided by homeowners in low risk/high premium areas. A Congressional ivestigation should be made in regards to how flood insurance risk assesment is made. This should be easy by showing where payouts have been made in the last ten years, and compairing premiums paid into those areas.
#4 Dec 12, 2008
Jo-Ann, everyone lives in a "flood zone". It may be a low risk or a high risk, there will always be a risk in insurance.
Fema's premiums are high and if you have to carry a mortgage you have no choice but to cover the building, but you DO NOT have to cover your contents of the home. Some savings.
The only way to dispute the flood zone rating is to go thru fema, I have seen people fight it and loose every time. Amherst engineering cant do anything for you other than develop a blue print on how to build above the base flood elevation. You wont be rebuilding allowing for proper venting I am sure.
And to Amherst Taxpayer, remember insurance is a shared risk, some people have a higher risk and some peolpe have a lower risk and that is reflected in the premiums. Typically the risk is not shared by the whole county like flood is, so we are all in the same position. There are diferent levels of the risk too, and the highest risks pay the highest premiums.
Remember the Midwest flooding of 2008? Some of those places had not flooded in 100 years. So dont think it cant happen, it may not happen in your life time but it doesnt mean it wont happen.
25% of flood claims come from people who are considered a low risk zone. Repair or rebuiling rants are not available if the area is not considered a disaster and most cases they are paid back with some sort of intrest.
Check the zone when you make your next move, we all know premiums only go up over the years, not down.
#5 Dec 26, 2010
I am a licensed land surveyor in East Amherst. I can prepare an elevation certificate for you that, if you are out of the flood zone, you can use to request a LOMA from FEMA. This will eliminate your need for flood insurance or significantly reduce the cost should you decide to keep the insurance. The cost of the elevation certificate is around $400 and will determine if you are in the flood zone. Please visit my web site surveyorny.com and fill out the request a quote page if you decide to proceed
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