What if the borrower still questions the results of the flood determination even after the Dispute Process?
If we confirm that the structure is in the Special Flood Hazard Area through our internal dispute process, yet the borrower still believes that we have not interpreted the flood map correctly, then the borrower, jointly with the lender, can request a Lender Determination Review through FEMA. The Lender Determination Review (LODR) is a process through which FEMA will determine if the Standard Flood Hazard Determination Form, which includes the flood zone determination used by the lender, is accurate. For example, if a lender is requiring flood insurance based upon a flood zone determination that states that the subject property is in the Special Flood Hazard Area (SFHA), then FEMA will confirm whether or not the property is indeed in the SFHA based upon the Flood Insurance Rate Map. After their review, FEMA will issue a Letter agreeing or disagreeing with the flood determination. The lender can rely on this FEMA letter to make a decision about the flood insurance requirement and to canc
