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<br />Specialist's verification report. Once FEMA confirms your community's classification, it sends <br />a notice to your CEO and the insurance companies, This must be done before January 1 and July <br />1 in order to give the insurance companies three months to distribute the community <br />classification lists that take effect on April 1 and October L <br /> <br />Therefore, it takes 5-9 months for FEMA and ISO to review, verity, and double check the <br />application and then to advise the insurance companies of the new classification, The 'insurance <br />companies need an additional 3 months to advise their agents. Accordingly, your CRS <br />classification will take effect on the April 1 or October 1 approximately 8-12 months after you <br />submit your application, <br /> <br />CRS Application <br /> <br />9 <br /> <br />Edition: January 1999 <br />