Do You Need an Elevation Certificate? Florida Flood Insurance Secrets

Do You Need an Elevation Certificate? Florida Flood Insurance Secrets

Understanding the Florida Elevation Certificate is critical if you are buying, selling, or insuring a home in a flood zone. In this video, Allen Hovis explains what an elevation certificate is, why it matters for flood insurance, and how FEMA rules impact Florida homeowners.

We’ll break down the key sections of the elevation certificate, what surveyors measure, and how it affects flood risk, building codes, and insurance premiums. If you’re considering buying property in Florida—especially near the water—this guide will help you avoid costly mistakes and make informed decisions.

If you have questions about Florida real estate, flood zones, or FEMA’s 50% rule, leave a comment below or visit my website.

Visit my website: allenhovis.com
Phone: 941-780-6567

For more information and supporting documents related to this video, please visit the links below:
https://drive.google.com/file/d/11_q8...
https://drive.google.com/file/d/1jRUF...


Timestamps:

00:00 – Introduction & About the Channel
00:27 – What Is an Elevation Certificate?
01:16 – Why Elevation Certificates Matter (Flood Risk & Insurance)
01:54 – Section A: Property Information & Key Details (A7 & A8)
02:33 – Building Diagrams Explained (Slabs, Stem Walls, Elevated Homes)
03:19 – Flood Vents & Openings (A8 Importance)
03:36 – Section B: Surveyor Information, Flood Zones & Base Flood Elevation (B8 & B9)
04:28 – Understanding Flood Zones: A vs V Zones
04:59 – Section C: Comparing Home Elevation vs Base Flood Level
05:34 – Freeboard & Building Above Base Flood Elevation
06:06 – Section D: Certification, Photos & Final Notes
06:28 – Final Advice, Contact Info & Closing


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