- (844) 4EZ-CERT
Commercial properties and condominium buildings have the most to gain from a LOMA becuase the insurance premiums are higher. We have helped hundreds of commercial customers understand their flood risk reduction and flood zone removal options.
A Letter of Map Amendment (LOMA), is a type of FEMA flood map change (collectively called Letters of Map Change or LOMC) that can correct your flood zone based on new property-specific information. This property-specific information includes Professional Land Surveyor analysis of the elevation of the property compared to the elevation of the flood. Even though the flood map may show your property in a FEMA high-risk flood zone, the elevation of the property can cause the flood zone to change to a low-risk flood zone. If this is the case, FEMA will issue an official floodplain removal document which can remove the mandatory flood insurance requirement for the property.
We make it Massively Easy and take care of everything.
Lenders have to require flood insurance on a property when you take out a mortgage if the FEMA flood maps show the building is located in what they consider a high-risk flood zone. Unfortunately, those flood maps may not show the property accurately, or worse, may be outdated. But because it is federal law, the lender has no choice in the matter. Flood insurance is often very affordable, but can still add up over the life of a 15- or 30-year mortgage. The only way out is to seek a removal from the high-risk flood zone. You could wait for FEMA to update the maps, but that can take years. The only viable alternative is to apply for a Letter of Map Change(LOMC). Our experts have years of experience in navigating this process and can help advise you every step of the way. We can advise you on your eligibility and apply on your behalf. If we think you are a good candidate, we guarantee to get you a removal or your money back!
My wife and I wanted to write to thank you for all your help and support through the process of obtaining an elevation certificate and subsequent application for a LOMA. You guys were great! The process was super simple and efficient and everyone we spoke with at MassiveCert was knowledgeable and professional taking plenty of time to answer our numerous questions.
They did a great job in a timely matter. I just didn't want to pay for flood insurance on my income. But you were great.
We were informed by our mortgage company that our home was now considered to be in SFHA Zone A and we had to purchase flood insurance. After determining that we needed a Letter of Map Revision based on Fill (LOMRF) and attempting to understand and resolve this on my own for several weeks, I was fortunate enough to happen across MassiveCert's website. I called and was connected with Eric Ratcliffe. Eric's knowledge was immediately apparent. His background in FEMA provides him with a unique ability to consult on and help resolve the challenging and confusing process of getting a Letter of Map Amendment (LOMA) or Letter of Map Revision (LOMR). Eric guided us through the process to a successful conclusion and made the entire process easy and painless. Eric went above and beyond providing consulting and support...always watching out for our interests. I'm sure we'd still be paying for flood insurance and going around in circles had we not found and engaged Eric and MassiveCert