Tenkiller Ferry Lake Topics: FEMA Delays Flood Maps

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	Name:	Little Talisi -
	Subject:	FEMA Delays Flood Maps
	Date:	4/30/2009 8:57:49 AM

The problem will still exist if you receive a letter from your mortgage company that you have to get flood insurance or they will get it for you. They are then allowed to charge you a fee (WAMU states up to 15%) for doing this for you. The delay of the maps does not mean anything to your mortgage company. Site surveys in Elmore county are cosing $400 and then you have to submit your request to FEMA for removal from the flood zone. This process takes 30 - 60 days. All during this time you have to provide proof of flood insurance to your mmortgage company. Some of the companys allow different deductibles so read the letter from your mortgage company carefully. They also tell you that it is not strictly the amount of the mortgage but the higher of 80% of replacement value of your home or your mortgage.