If you own property in Andalusia, Alabama, flood risk is something you can’t ignore. Heavy rain, nearby creeks, and low-lying areas across Covington County can all affect how flood insurance is priced. One document plays a major role in that process: the elevation certificate . An elevation certificate helps homeowners, lenders, and insurance companies understand how a structure sits in relation to flood levels. Having the right information can protect your home and may even lower insurance costs. What Is an Elevation Certificate? An elevation certificate is an official document prepared by a licensed land surveyor. It shows the height of key parts of a building compared to the Base Flood Elevation (BFE) set by FEMA. The certificate includes: Ground elevation Finished floor elevation Garage and equipment elevations Flood zone information Insurance companies use this data to determine flood insurance rates. In some cases, it can mean the difference between high premiums and more afforda...
Greenville, South Carolina has become one of the fastest-growing cities in the Southeast. From downtown redevelopment projects to new commercial spaces along I-85 and Woodruff Road, property activity is booming. With that growth comes one important step that buyers, lenders, and developers can’t afford to skip: the ALTA survey. If you’re buying, selling, or developing commercial property in the Upstate, understanding how an ALTA survey works — and why it matters — can save time, money, and legal stress down the road. What Is an ALTA Survey? An (short for American Land Title Association survey) is a detailed land survey used mostly for commercial real estate. It goes far beyond a basic boundary survey. An ALTA survey shows: Property boundaries Buildings and improvements Access points and easements Rights-of-way and utilities Zoning-related items (when requested) Lenders and title companies often require an ALTA survey before closing because it reduces risk. In a growing market like Gre...