Who do I talk to concerning flood damage, repetitive loss, floodplain mapping, etc. and to review FEMA publications?
To set up an appointment at our office to discuss the specifics of your situation or to review FEMA publications, please call our office at 770-419-6435. Who/what determines whether I must purchase flood insurance? According to the Flood Insurance Reform Act passed by Congress in 1994, lending institutions (i.e. banks and mortgage companies) are responsible for making the determination as to whether or not a property is contained within a regulatory floodplain and is required to have flood insurance. If a loan is federally insured, and the property is in a federally regulated Zone “A” or Zone “AE” floodplain, banks are supposed to require borrowers to purchase flood insurance as a condition of the loan. What is a “CLOMR”? A CLOMR stands for a Conditional Letter of Map Revision. Generally speaking any modification or encroachment into a regulatory floodway necessitates a CLOMR. In Cobb County, any encroachment into the floodplain which either affects the regulatory floodway or increases
