What is an elevation certificate and how do I review it?

An elevation certificate is a key document for anyone purchasing a property on 30A because it

provides detailed information about a home’s height relative to the base flood elevation. Jen

Kolar is an expert in coastal real estate and flood regulations and guides buyers through

understanding and reviewing these certificates to ensure informed decisions about insurance,

risk, and property value.

Jen explains that an elevation certificate is prepared by a licensed surveyor or engineer and

records measurements such as the height of the lowest floor, the foundation type, and other

critical features in relation to local flood levels. This information is used by insurance companies

to determine flood insurance premiums and by lenders to assess whether coverage is required.

A properly prepared certificate can result in lower insurance costs for homes elevated above the

base flood elevation or built to current code standards.

When reviewing an elevation certificate, Jen advises buyers to focus on key sections. The first is

the property information, which identifies the location, building type, and construction details.

The second is the surveyor’s certification, which confirms the accuracy of measurements. Most

importantly, buyers should examine the elevation data, including the lowest floor and

surrounding ground levels, compared to the base flood elevation for that area. Jen provides

clear guidance on interpreting these numbers, explaining how even a few inches of elevation

can influence insurance costs and risk assessment.

Jen also emphasizes understanding any notes or restrictions included in the certificate. These

may provide context about construction features, potential flood hazards, or local code

requirements. She ensures her clients are aware of how the certificate interacts with insurance

underwriting and lender requirements, so there are no surprises during the purchase process.

For buyers considering renovation or new construction, Jen uses the elevation certificate to

identify whether additional measures may be needed to meet flood insurance or code

requirements. She also coordinates with insurance providers to confirm how the certificate

affects premiums, helping buyers budget accurately.

Ultimately, an elevation certificate is more than just a formality. With Jen Kolar’s expertise,

buyers can review the document confidently, understand its impact on flood insurance and long

term risk, and make informed decisions about their 30A property. Her guidance ensures that

clients are fully prepared to protect both their investment and their peace of mind in this unique

coastal market.