Business Services and Policies

Manual Determination Research

All manual determinations are process on a first in, first out basis.

Manual determinations will be process in 24 hours or less.
- Determination completed
- Request for additional information
For information on manual research procedures, see "Flood Determination Procedure."

Disputed Determination Research

All disputed determinations are processed on a first in, first out basis.

Disputed determinations will be processed in 24 hours or less.
- Determination completed/revised
- Request for additional information
For information on manual research procedures, see "Flood Determination Procedure."

Rush Service

All rushed manual determinations will be processed in 4 hours or less.

Flood Determination - Business Policies

Loan ID Chanages:

You are able to change the Loan ID up to 90 days after the order date. If you need a determination with a new Loan ID and it is past 90 days, you will need to order a new determination.

Multiple Loan ID's

Each loan requires its own determination. If you are manually processing a determination, complete the original with only one loan and have the client place additional orders for the other loans.
Also, upon reviewing a dispute and you see this, revise the determination to only include one loan and have them place an additional order.

Borrower Name Change:

You are able to change the borrower name up to 90 days after the order date. If you need a determination with a new borrower name and it is past 90 days, you will need to order a new determination.

Upgrading from Basic Determination to a LIfe of Loan Determination:

You are able to change the service level of a determination within 30 days of the order date. If you need a determination upgraded and it is beyond 30 days, you will need to order a new determination.

Recertifications:

Unfortunately, we do not recertify previous flood determinations - if you are in need of a determination with an updated date you will need to reorder for the property. However, you can reuse a flood certificate if it falls within these categories spelled out by the NFIP Mandatory Purchase Guidelines:
- It is less than 7 years old; and
- No new or revised FIRM or FHBM has been issued in the interim; and
- It was initially recorded on the SFHDF.

Back Dating

For compliance reasons the completion date on a flood determination must accurately reflect the actual date that the order was completed. The determination date will change if we have made an update due to a new FEMA effective map or if we have overturned a dispute and the flood insurance requirements have changed.