Compliancy can come in several forms. It may be as simple as elevating you’re A/C condenser or installing flood vents, or it may be as involved as having to elevate your entire house. To know the level, you need to first know your ground elevation. This might be found on a survey, and elevation certificate, or by consulting with a surveyor. There are programs to assist with bringing your structure compliant through state and federal programs. You can look into floridadisaster.org or disasterassistance.gov

You can submit additional data in the form of photos (with date stamp immediately after the storm) that demonstrates the extent of the damage or non-damage. A reassessment will be done, but please be aware that we are still working on initial evaluations and that may affect the time in which reassessments are done. 

Substantial Damage Evaluations take the best available data we have collected and enter the information into a FEMA software to come up with the calculations.

Values are taken from the Property Appraiser’s website. This is highlighted as the FEMA Value, which is the cost of the structure minus the land and any features (such as fences, detached structures, etc). This value is used across the board to ensure consistency with all evaluations that we do. 

• Effective date must be prior to the storm 

• Photos must include pre-damaged conditions 

• Intended User must include Manatee County 

• Intended Use must include FEMA 50% Rule 

• Must use the Actual Cash Value Approach (cost of reproduction minus physical deterioration). We will not accept any appraisals that use a Sales Comparison Approach