Save Thousands on Flood Insurance with a Professional LOMA Letter

 

At Florida Building Engineering and Land Surveying, Corp., we’ve helped homeowners, builders, and HOA communities across Florida remove properties from FEMA-designated flood zones through professional Letters of Map Amendment (LOMA).

 

A LOMA Letter is an official FEMA document that confirms your property’s finished-floor elevation is above the Base Flood Elevation (BFE), and that it no longer requires mandatory flood insurance coverage. With accurate surveying, documentation, and FEMA submission handled by our licensed surveyors, we’ve helped Florida homeowners save thousands each year in unnecessary insurance premiums.

 

What Is a LOMA Letter?

 

A Letter of Map Amendment (LOMA) corrects FEMA’s Flood Insurance Rate Map (FIRM) for an individual structure or parcel. If your property’s elevation is actually above the flood zone line shown on FEMA’s map, we can file a LOMA to officially amend that designation.

 

Our process includes:

• • Conducting a FEMA-compliant elevation survey.
• • Preparing accurate topographic and grading documentation.
• • Submit the required elevation data and forms directly to FEMA.
• • Following up until your amendment is approved.

 

Once approved, your property’s flood zone status changes, and your insurance carrier can remove or dramatically reduce your flood insurance premium.

 

Sarasota – Bayview Preserve HOA Saves Over $60,000 Annually

When the Bayview Preserve HOA in Sarasota County contacted us, their flood maps still placed 18 homes within a high-risk zone, despite the subdivision being built on elevated land. After completing precise GNSS elevation surveys, we proved that all 18 homes sat more than two feet above FEMA’s Base Flood Elevation. FEMA approved the LOMA application within six weeks, and the community’s HOA president wrote:

 

“Our annual flood premiums dropped from over $3,500 per home to nearly zero. Florida Building Engineering & Land Surveying handled everything, from survey to FEMA paperwork, and saved our homeowners association over $60,000 a year.”

 

Orlando – Lakeview Estates Removed from Flood Zone

In Orange County, the Lakeview Estates subdivision near Winter Park faced rising insurance costs due to outdated flood zone maps. Our licensed surveyors used drone LiDAR elevation modeling to prove that the community’s lakefront properties were elevated well above flood risk levels. The HOA manager shared:

 

“We were being charged for flood insurance we never needed. Their survey team and engineering department completed our LOMA documentation and got FEMA’s approval fast. Every resident saw their flood policy either canceled or reduced by more than 80%.”

 

Naples – Gulf Pines Villas Saves Residents $4,200 Each

In Collier County, the Gulf Pines Villas development was listed in Zone AE, even though the homes were built on pilings and above flood grade. Our engineers performed a detailed FEMA Elevation Certificate and submitted a multi-structure LOMA request. Within two months, FEMA removed the designation. The property management firm stated:

 

“We couldn’t believe how easy they made it. Each unit owner saved an average of $4,200 a year on flood insurance. Their understanding of Collier County’s FEMA maps and permitting process made all the difference.”

 

Fort Lauderdale – Harbor Club Condominiums Redefined Their Zone

Located along the Intracoastal in Broward County, the Harbor Club Condo Association had long accepted high flood insurance costs as unavoidable. We performed a comprehensive as-built elevation survey for the structure and surrounding seawall. The results showed the finished floor was safely above the required elevation. FEMA issued the LOMA in 45 days.

 

“Our insurer reclassified the entire property. We saved nearly $100,000 in community premiums this year. Florida Building Engineering & Land Surveying is now our go-to for all elevation and LOMA documentation.” — Board Treasurer, Harbor Club HOA.

 

Boca Raton – Palm Dunes Estates HOA Wins Big

In Palm Beach County, the Palm Dunes Estates HOA hired us to re-evaluate FEMA maps after repeated premium increases. Our analysis proved that the community’s drainage redesign raised its lowest adjacent grade well above FEMA’s flood base. After FEMA issued an updated LOMA, the HOA president wrote:

 

“We trusted the right company. Our flood insurance dropped from $1,900 to $500 per unit. Their FEMA paperwork expertise was invaluable.”

 

Jupiter – Waterfront Homes Gain FEMA Approval

Along the Loxahatchee River, several custom homes in Jupiter’s Riverbend community were incorrectly shown in Zone AE. Our surveying team completed precision GPS elevation shots and collaborated directly with FEMA to correct the map.

 

“Every single homeowner saved over $3,000 per year. We’re extremely grateful; they took care of everything.” — Property Manager, Riverbend HOA.

 

Tampa – Bayshore Crest Condominium Reclassified Out of Flood Zone

In Hillsborough County, the Bayshore Crest Condominium Association struggled with steep flood premiums due to its proximity to the bay. Our LOMA request proved that the building’s elevation exceeded FEMA requirements. After approval, the HOA wrote:

 

“This company saved our association nearly $75,000 in premiums. The LOMA process was seamless, and their communication was top-notch. I’ve already recommended them to two other condo boards.”

 

Why Homeowners and Communities Choose Us

 

• • Licensed Surveyors and Engineers specializing in FEMA submissions.
• • Over 1 million completed elevation and LOMA reports have been accepted statewide.
• • Direct FEMA processing and follow-up until approval.
• • Guaranteed cost savings for qualifying structures.
• • 24–48-hour turnaround on elevation data and documentation.

 

If your property, HOA, or management company is still listed in a flood zone, you may be paying thousands more than necessary.

Call 877-894-8001 today for a FREE evaluation to see if your property qualifies for a LOMA Letter and flood insurance reduction.