Terms of service

Short version: we sell automated research reports built from public federal data. They are honest, useful screenings — and they are not surveys, determinations, or professional services.

What the service is

RemoveFloodInsurance.com provides (1) a free flood-map lookup and (2) research reports (free during our launch period; normally paid) compiling data from FEMA's National Flood Hazard Layer and USGS 3DEP elevation data for a property you specify. Reports are generated automatically and delivered by email as PDF documents. Free reports are provided as-is under these same terms, including the limitations and liability sections below.

What the service is not

Nothing we provide is a land survey, an Elevation Certificate, an engineering opinion or instrument of service, a flood zone determination for lending purposes, insurance advice, or legal advice. Eligibility for any FEMA Letter of Map Amendment is decided solely by FEMA based on field-surveyed elevations certified by a licensed professional. Whether a lender requires flood insurance is ultimately the lender's decision under federal law and its own credit policy.

Accuracy and limitations

We read federal data sources live and state our methodology and its error budget in every report. Screening-level elevation analysis carries inherent uncertainty (LiDAR accuracy, map rounding, geocoding position), which is why verdicts are expressed as screening conclusions, not certifications, and why the refund policy exists.

Liability

To the maximum extent permitted by law, our total liability for any claim arising from the service is limited to the amount you paid for the report at issue. We are not liable for decisions you or third parties (including lenders and insurers) make in reliance on a screening report.

Contact

RemoveFloodInsurance.com is an independent online service. For any question, request, or dispute, contact hello@removefloodinsurance.com - we respond to substantive requests within two business days.