🌊 How an Elevation Certificate Can Help Lower Your Flood Insurance Premiums

Katherine Gil Suro
Sep 20
2 min read

Updated: Oct 9

What Is an Elevation Certificate?

An Elevation Certificate (EC) is an official document prepared by a licensed land surveyor, engineer, or architect. It provides detailed information about your property’s elevation in relation to the Base Flood Elevation (BFE) determined by FEMA. Insurance carriers use this data to assess flood risk and set flood insurance premiums. Without an EC, rates are often based on generalized maps and estimates, which can lead to overpaying for coverage.

Why It Matters for Homeowners

Lower Premiums

Accurate elevation data can significantly reduce your flood insurance costs. When you have precise information, insurance companies can offer better rates. This means you can save money while ensuring your property is adequately covered.

Accurate Coverage

An Elevation Certificate ensures your property is rated properly. This way, you’re neither underinsured nor overcharged. Having the right coverage is crucial for your peace of mind.

Loan & FEMA Program Requirement

Certain mortgages and disaster assistance programs require an EC. If you’re looking to secure a loan or apply for assistance, having this certificate is essential. It can be a key factor in your eligibility.

Peace of Mind

Knowing your home is protected at the right level gives you peace of mind. You can rest easy, knowing that you’ve taken the necessary steps to safeguard your property.

How to Get an Elevation Certificate

Step 1: Hire a Professional

Start by contacting a licensed land surveyor, engineer, or architect. They have the expertise to prepare an accurate Elevation Certificate.

Step 2: Request the Official Document

Make sure the document meets FEMA standards. This is crucial for it to be accepted by insurance companies and other entities.

Step 3: Send It to Your Agent

Share the Elevation Certificate with Kathy Gil Agency. We can review your current policy and help you shop for the best rate.

Real Savings Example

Many homeowners have seen hundreds to thousands of dollars in annual savings after providing an Elevation Certificate. Every home is different, but the investment in obtaining one often pays for itself in reduced premiums.

The Value of Investing in an EC

Investing in an Elevation Certificate is a smart move. It not only helps you save money but also ensures you have the right coverage. This is especially important for those living in flood-prone areas.

Additional Benefits of an Elevation Certificate

Improved Property Value

Having an Elevation Certificate can enhance your property’s value. Potential buyers appreciate knowing that the home is properly insured against flood risks. This can make your property more attractive in the market.

Easier Claims Process

In the unfortunate event of a flood, having an EC simplifies the claims process. You’ll have the necessary documentation to support your claim, making it easier to receive compensation.

Better Understanding of Flood Zones

Obtaining an Elevation Certificate helps you understand your property’s flood zone designation. This knowledge can guide you in making informed decisions about your insurance and property improvements.

Ready to Save on Flood Insurance?

At Kathy Gil Agency, we help families in New Jersey and Pennsylvania protect their homes with affordable and reliable coverage. If you’re in a flood zone, let us review your policy and guide you through the Elevation Certificate process. We’re here to make insurance simple and supportive!