Repair/Rebuild process after storm damage:
1. File a claim:
- Homeowner Insurance (does not cover flood-related loss)
- Flood Insurance
- SBA (only if a declared disaster)
- FEMA (only if a declared disaster)
2. Get estimates to repair the damage to the home
3. Check with the county and/or your local city to determine any permitting requirements
4. Is the home considered substantially damaged? (The cost to repair the damage meets or exceeds 50% of the market value of the home prior to the damage occurring)
- Must come into current compliance of local jurisdictions flood plain ordinances. (Elevation)
- A surveyor can determine how much the structure must be raised to meet the compliance.
- Complete the elevation requirements and receive an Elevation Certificate
- Submit Elevation Certificate to local jurisdiction as proof of compliance
- Permits for repair/rebuild will be issued
- If the structure is not considered substantially damaged or if the structure is located outside of a flood plain or floodway, permits can be obtained through normal processes.
Repairing and rebuilding a structure that is considered substantially damaged without coming into compliance with the local jurisdictions flood plain regulations can place the property at risk of becoming a 1316 property.
For more information on repair/rebuild visit Montgomery County Engineer's Office 936.539.7833