Posts tagged with "land surveyor Hernando County FL"


What Is An Elevation Certificate?

What Is An Elevation Certificate for Flood Insurance?

If you are purchasing property or live in an area that is deemed to be a high-risk flood zone, you will typically be required to purchase flood insurance from the National Flood Insurance Program (NFIP). In order to purchase flood insurance, you will need to obtain an elevation certificate, which is necessary to document certain characteristics of the property, such as location, flood zone, an elevation of the lowest floor. These characteristics help insurance agents to determine the overall risk of damage to the property that may be present in the event of a flood and designate the appropriate premiums for the insurance.

An elevation certificate is used for determining just how vulnerable your property is, should a flood occur. It provides insurance companies with the information they need to calculate any flood insurance premiums.

How Can An Elevation Certificate Save Money?

If you provide your insurance company with an updated elevation certificate for your property, you may be able to save money on your premiums. FEMA performs studies on a yearly basis to assess flood hazard information. However, there are limitations to how many areas they can re-assess during the year. This may indicate that a flood plain has changed. When you get an elevation certificate, you may be able to show the insurance company that the base elevation has changed, and your premiums may be lowered as a result.

Although FEMA intends to update elevation maps on a yearly basis, this does not always occur. However, when it does happen, you are at a distinct advantage when it comes to saving money on insurance premiums. Often, all it takes to reduce or eliminate your insurance premiums is to have a surveyor review if FEMA has revised the flood plain in your area and prepare a new elevation certificate.

Do You Need an Elevation Certificate?

You need an elevation certificate to obtain flood insurance if you have a federally-backed mortgage on the property and if FEMA has determined that your property lies in a Special Flood Hazard Area, like many properties in west Pasco county. You will also be required to obtain an elevation certificate if you are purchasing flood insurance from a private company that is backed by the NFIP. The elevation certificate helps the insurance company determine what the appropriate premiums are. It is also important that you have your elevation certificate periodically updated, to determine whether or not your property remains in a flood plain, and if the base flood elevation has changed at all. When the base flood elevation changes in your favor, you will save money on your flood insurance.

You can find out if your property is within a Special Flood Hazard Area, as determined by FEMA, by visiting the FEMA website and checking the local maps. It is the lowest floor elevation compared with the Base Flood Elevation (BFE) for your area that determines whether or not your property is at risk of flooding within a one-year period, and this is what the insurance company will use.

Saving Money on Flood Insurance

It is wise to ensure that your elevation certificate is up-to-date and that your insurance company has a current measurement. Flood insurance can be expensive, and if you don’t need it, or don’t need as much coverage, you will save plenty of money on your insurance premiums. Braden Land Surveying provides elevation surveys at an affordable rate. Pasco county flood insurance rate maps were recently updated in 2020, and Pinellas county in 2009. If you have not made any changes to your flood insurance policy recently, it is time to re-assess and determine how much money you can save with a new elevation certificate. Call Braden Land Surveying in Pasco county today, and they will provide the details and determine whether or not your base flood elevation has changed in your favor to warrant a new certificate.

Female worker on a highway construction site

What is Highway Construction Surveying?

When a highway is being constructed, a survey is generally conducted to ensure the project is progressing as and where it should. Once construction is complete, a survey can also be undertaken to dictate an accurate layout of features, facilities, and obstructions around the area.

A construction land surveyor near Hernando County, FL, is often required for this type of job. They will survey the existing terrain to determine the best route and where the least amount of dirt can be moved. The surveyor will also assist engineers in mapping out the best possible routes for the highway. Determining the necessity of a bridge or tunnel is often the most challenging aspect of construction, but a surveyor can help ensure they are located exactly where they need to be.

Once the highway is entirely built, a surveyor can be brought in to assist with road repair, maintenance, or reconstruction after an accident. GPS and 3D mapping technology also play an integral role in these types of surveys, as it provides more accurate geographical information to work from.

If you are in need of a land surveyor near Hernando County, FL, look no further than the experts at Braden Land Surveying. Our experienced team is ready to assist you with a variety of different projects. Contact us today by calling (727) 224-8758.

Surveyor and property owner shaking hands

3 Myths about Land Surveying

Land surveying can be a complicated business, and the importance is often overlooked. This results in a variety of myths and misconceptions around the business and why it is needed. If you are second-guessing hiring a land surveyor in Hernando County, FL, read the three myths below to ensure you are as informed as possible about the process.

Myth #1: Neighbors Rarely Interfere with Property Lines

Neighbors arguing property boundaries are more common than you think. It is also possible that you are in fact over the line with your property, or that your initial documents are incorrect or confusing. It is always important to hire a reputable land surveyor to ensure property lines are correctly and officially established before construction.

Myth #2: You Can Build on the Property Line without a Survey

Even though you are almost certain you have your property lines correct, building directly on or up to your property line could have negative consequences if a survey has not been conducted. No matter how sure you are that you know where the lines are, you may have to tear down your hard work if you are in fact building onto a neighboring property.

Myth #3: The Land Has Been Surveyed; You Just Need to Find the Document

If your land has been surveyed in the past, but the document is missing or very old, your safest bet is to have another survey conducted. You want to ensure your property lines are up to date and valid before starting construction to avoid conflict with neighbors.