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<br />Example Real Estate Advisory Flyer <br /> <br />FLOOD HAZARD: CHECK BEFORE YOU BUY <br /> <br />Flooding and other surface drainage problems can occur well away from a <br />river, lake, or ocean. If you're looking at a property, it's a good idea to <br />check out the possible flood hazard before you buy. Here's why: <br />The force of moving water or waves can destroy a building_ <br />Slow moving flood waters can knock people off their feet or float a <br />car. <br />Even standing water can float a building, collapse basement walls, or <br />buckle a concrete floor. <br />Water-soaked contents, such as carpeting, clothing, upholstered <br />furniture, and mattresses may have to be thrown away after a flood. <br />Some items, such as photographs and heirlooms, may never be restored to <br />their original condition. <br />Flood waters are not clean: floods carry mud, farm chemicals, road oil, <br />and other noxious substances that cause health hazards. <br />The impact of a flood, cleaning up, making repairs, and the personal <br />losses can cause great stress to you, your family, and your finances. <br /> <br />Floodplain Regulations: Your community regulates construction and develop- <br />ment in the floodplain to ensure that buildings will be protected from flood <br />damage. Filling and similar projects are prohibited in certain areas. Houses <br />that are substantially damaged by fire, flood, or any other cause must be <br />elevated above the flood level when they are repaired. <br /> <br />Check for the Flood Hazard: Before you commit yourself to buying property, <br />do the following: <br />Ask the real estate agent if the property is in a floodplain, if it has <br />ever been flooded, and if it is subject to any other hazards, such as <br />sewer backup or subsidence. <br />Ask the seller and the neighbors if the property is in a floodplain, how <br />long they have lived there, if the property has ever been flooded, and if <br />it is subject to any other hazards. <br />Ask the local building, zoning, or engineering department if the property <br />is in a floodplain, if it has ever been flooded, what is the flood depth, <br />velocity, and warning time, if it is subject to any other hazards, and <br />what building or zoning regulations are in effect. <br /> <br />Flood Protection: A building can be protected from most flood hazards, <br />sometimes at a relatively low cost, New buildings and additions can be <br />elevated above flood levels. Existing buildings can be protected from <br />shallow flood waters by regrading, berms, or floodwalls. There are other <br />retrofitting techniques that can protect a building from surface or <br />subsurface water. <br /> <br />Flood Insurance: One of the best protection measures for a building with a <br />flood problem is National Flood Insurance, which is purchased through any <br />property insurance agent. If the building is located in a floodplain, flood <br />insurance will be required by most mortgage lenders (see other side). Ask an <br />insurance agent how much a flood insurance policy would cost. <br /> <br />[NOTE: The other side of this flyer is the same as the example on page 14.] <br /> <br />CRS Application <br /> <br />21 <br /> <br />Edition: January 1999 <br /> <br />II I, <br />