What if the borrower or other party disagrees with the results of a flood zone determination?
It is not uncommon for other parties, such as borrowers, surveyors, community officials, realtors, insurance agents, builders, or appraisers to have differing opinions about a propertys flood zone designation. This can occur for a variety of reasons: (1) Reliance on information other than the Flood Insurance Rate Map, (2) Historical information that differs from the flood map, (3) Updated information not reflected on the flood map, (4) Different interpretations of the flood map, or (5) A resistance to paying for the required flood insurance. When a dispute over a flood zone determination occurs, a discussion of the methodology used and a review of the flood map can often resolve the situation. A First American representative can assist with this review, and in most situations, is able to resolve the dispute. If, after the review, the borrower still believes that the flood map has not been interpreted correctly, then the borrower, jointly with the lender, can request a Lender Determinat
