Frequently Asked Questions

Here are answers to the most common questions regarding house elevation, flood insurance, and programs like Severe Repetitive Loss (SRL) and ICC coverage.

Who qualifies for the Severe Repetitive Loss (SRL) program?

Property owners who have submitted two or more claims under the National Flood Insurance Program (NFIP) where the total payouts surpass the property's market value, or those with four claims each exceeding $5,000, may be eligible for elevation funding. Additionally, at least two of these claims need to have happened within a 10‑year span and be at least 10 days apart. For your property's flood claim records, contact the NFIP hotline at 800‑427‑4661.

How much time does it typically take to obtain SRL funding?

The timeline varies based on the available funding in your local parish or county.

What does Increased Cost of Compliance (ICC) coverage entail?

This is an extra $30,000 benefit provided through the NFIP. It's available if local authorities assess that flood damage repair costs equal 50% or more of the home's value. You'll need an official substantial damage determination letter to proceed.

What's the required elevation height for my property?

This is determined by your area's base flood elevation (BFE) standards.

Will the program cover additional features like driveways, fencing, or yard improvements?

Coverage for these items is based on the home's condition before the flood event.

Am I eligible if I bought my property after a major event like Hurricane Katrina?

Absolutely, eligibility is tied to the flood claim history of the property itself, not the current owner.

Where can I find contact information for my parish?

Funding availability differs by location. Check our Elevation Assistance page for phone numbers and details on parishes in the greater New Orleans area.