Oak Mountain Lake Topics: Flood Insurance

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	Name:	Osms -
	Subject:	Flood Insurance
	Date:	1/11/2012 4:45:58 PM

I was told by the state flood guy that if you have waterfront property then the two stakes at water's edge are at 490' and that's what declares your lot is in a flood plain. If you get a mortgage company letter and you have only 30 to 45 days to act your best bet is to find some insurance agent that sells FEMA insurance and buy only FEMA Flood Ins. Have your property surveyed for lowest finished floor elevation, submit your LOMA flood exemption application to FEMA. When you get your exemption approval, FEMA will pay you back 100% of FEMA flood insurance premium. Don't fall for the mortgage company scam of selling you high priced commercial insurance--you won't get your premium back.