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I have a client who got a letter from a company that administers her home loan. They are telling her she has to get Flood Insurance since her property is located in a FEMA designated Flood Zone.
I have reviewed the appropriate maps and her propertyis not located in any such zone. I sent evidence to affect to the Loan Company. I also sent a letter from the local Flood Ordinance Administrator indicating that her property was not in a designated flood zone.
They told me first that they could not discuss her case with me. I got her on the phone and they told her she would have to do a LOMA to remove the property from the flood zone. I told them that the property was not in a flood zone so asking FEMA to remove the property from the flood zone made no sense.
The property is not located within any designated flood zone. It can not be removed from a zone it is not in.
The Loan Company told me they received a letter from FEMA telling them the property was in a flood zone (the exact same day they sent the letter to my client).
I asked for a copy of the letter from FEMA. They refused. I asked that they send the client a copy of the letter. They refused. They keep insisting that they have to have proof from FEMA that the property has been removed from the flood zone.
I called FEMA to discuss the problem with them. They tell me my client has to submit a LOMA request to have the property removed from the designated flood zone. I tell them the property is not located within any designated flood zone. They tell me that is why they need the LOMA so they can remove the property from the flood zone.
Call me crazy but I don't believe that every property not located in a flood zone has to have proof from FEMA that it is not in a Flood Zone.
Any ideas on how to stop the madness?
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