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The Beach Haven West real estate market is defined as being a waterfront area that caters to boaters and those looking for life at the Jersey shore. Being located on the water, most homes in Beach Haven West will carry flood insurance, and in fact any home with a mortgage will be required to have flood insurance. Flood insurance can add a great deal of expense to your home ownership costs, so it is important to understand the impact flood insurance will play in your real estate transaction. The best way to determine the cost of flood insurance is with a Beach Haven West elevation certificate.
An elevation certificate is a document supplied by an engineer that will tell the following information.
The number of flood vents, and other metrics used to determine the cost of flood insurance
An elevation certificate will be provided by an engineer after that engineer has completed field work on the property. The engineer will take a series of measurements that will determine the various elevation points for a home in Beach Haven West. This data will be computed and an elevation certificate will be produced. This elevation certificate can be taken to any insurance agent and that agent will be able to give an exact cost of flood insurance. The elevation certificate is an essential component to any real estate transaction in Beach Haven West.
It is important for any buyer to make sure their fully aware of the cost of ownership for their new home. Flood insurance can be very expensive if a home is not compliant so it is essential to make sure any home is rated properly and the costs of flood insurance are understood. There are many recent changes to the national flood insurance program and homes that are below base flood elevation are at risk of seeing a very high insurance premium. There are some homes that are not elevated and will see a very reasonable cost of flood insurance, which makes it all the more important to understand the specific attributes of a home and how the cost of flood insurance for a property is determined.
Flood insurance is determined by a few factors. The most influential of which are:
The flood zones most commonly seen in Beach Haven West are the A and the V flood zone. While most of Beach Haven West is located in the A flood zone, the homes located in the V flood zone have to contend with a more detrimental impact. Homes located in the V flood zone will typically have a higher cost of insurance and more restrictive billing guidelines.
Learn about the Beach Haven West and Stafford Township areas in Southern New Jersey.
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