Letter of Map Amendment (LOMA)
A Letter of Map Amendment (LOMA)
is a process in which certain mapping and survey information may be submitted to
FEMA to request that a document that officially removes a property and/or structure from the Special Flood Hazard Area (SFHA) is issued. Usually an Elevation
Determination is done on a property first to establish the elevations around the building in relationship to the Base Flood Elevation (BFE) on the Flood Maps.
A LOMA is submitted to FEMA to notify them that the flood map needs to be amended. Once this is complete and accepted by FEMA the flood insurance requirement
may be waived or modified.
G.C.E. has performed many LOMA's. We have the ability to be a third party between the property owner and FEMA. This allows us to monitor the progress that FEMA is making on the
LOMA as well as provide additional information in an expedited fashion, so that the LOMA process does not slow down.
After a LOMA is submitted the traditional way, the turn around time can range from 8 to 12 weeks.
At G.C.E. we have the ability to submit an eLOMA to FEMA. eLOMA's (or Electronic Letter of Map Amendment), if certain requirements are met, can be completed between one and 10 days.
Sometimes the results of an eLOMA are returned instantly. This allows us to turn around properties that meet the specific criteria of an eLOMA extremely quickly.
Letter of Map Amendment Form MTEZ