FEMA Letter 1741 Avenida La Posta National Flood Insurance Program
US Department of Homeland Security
P.O. Box 2965
Shawnee Mission, KS 66201-1365
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FEMA
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DATE: 01 /14/2013 p
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Ralph D Bettencort °
111 N El Camino Read Ste D
Encinitas, CA 92024
760-942-2277
RE: POLICY NUMBER: SF00280818
INSURED'S NAME: Barnings, James J & Vivian H
PROPERTY LOCATION : 1741 Avenida La Posta
Encinitas, CA 920245669
Dear Agency:
In 2003 Congress passed a law and appropriated funds directing FEMA to create the Flood Map
Modernization Program . As a result, some property owners now find themselves in high-risk areas where
they are now required by lenders to purchase flood insurance.
We have been informed by the National Flood Insurance Program of a map change in the community for
the property listed above. The NFIP requires companies to obtain extended eligibility or recertification
documentation of Preferred Risk Policies at renewal when there has been a map change during the policy
term that may affect the insured property. To be eligible for a Preferred Risk Policy, the building must be in
a B, C, or X zone. The flood map available at the time of the renewal offer determines a building's
continued eligibility for the Preferred Risk Policies. NFIP map �grandfathering rules do not apply to the
Preferred Risk Policies.
In order to maintain eligibility for the regular Preferred Risk Policy, please send valid documentation that
the current flood zone is B, C, or X within 15 days of the date of this letter. Valid documentation includes:
• A letter that is signed and dated by a local community official, indicating the property address and
referencing the current effective map information , including the zone.
• A .copy of the current effective map marked to show the exact location of the property and the flood zone
of the building .
• An Elevation Certificate ( EC) referencing the current effective map, indicating the exact location of the
property and flood zone of the building, that is signed and dated by a surveyor, engineer, architect, or local
community official
• A flood zone determination certification referencing the map in effect immediately prior to the
current effective map, issued by a company that guarantees the accuracy of the information
• A Letter of Map Amendment ( LOMA), Letter of Map Revision (LOMR), or Letter of Determination
Review (LODR) that became effective between the dates of the prior map and the current map
revision
• A FIRMette produced on the FEMA Map Service Center web site that shows the flood zone of the
building on the map in effect immediately prior to the current effective map.
FD 00 50
000592(2:4):72178. 364
While the map changes more accurately reflect a property's flood risk, FEMA recognizes the financial
hardship that a Special Flood Hazard Area designation may place on individuals in newly identified high-
risk flood zones. Consequently, FEMA is extending eligibility for low-cost Preferred Risk Flood Insurance
Policies for qualifying properties. Existing policies on remapped properties that meet certain loss history
requirements may qualify for a 2 year extension in the Preferred Risk Policy beginning at the next renewal
after January 1 , 2011 .
To take advantage of this opportunity or to determine if you are eligible, YOU MUST TAKE ACTION and
provide documentation showing that your property was remapped into the Special Flood Hazard Area . If
valid documentation is not received , the Preferred Risk Policy will expire on its renewal anniversary and a
premium billing notice will be sent for a Standard Policy under separate cover.
If you have any questions regarding this action , please call our Customer Service Department at 1 -800-
638-6620 or your agent.
Sincerely,
NFIP Direct Servicing Agent
CC, Insured Barnings , James J & Vivian H
CC Mortgagee
Documentation for 2-Year PRP Eligibility Extension
If your property was newly designated in a Special Flood Hazard Area as a result of a flood map revision
effective on or after October 1 , 2008 , please have your local community official complete the information --
below. Return this document to your insurance agent/company to determine if your property qualifies for
this extension.
Property Owner: N
0
Property Address:
0
Building Description: ❑ Residential ❑ Nonresidential
Current Map Date:
Current Community Number, Map Panel & Suffix:
Current Flood Zone:
Name of Community Official Community Official Title
Community Name Telephone Number
Signature of Community Official Date
Comments (optional):
FD 00 50.
000593(3:4):72178. 364