Kukulcan
Posts:17
 | | 12/20/2007 1:05 PM |
 Alert | | Has anyone else received a letter from their finance company requiring flood insurance? FEMA's new flood maps of December 4, 2007, now has Desert Cedars in an AO flood zone. | | | |
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mrhawk
Posts:56
| | 12/23/2007 7:49 AM |
Alert | | I have not received a letter (yet). When we bought our house (May 2006), we were told in advance we were already considered zone A0, but the US Home sales guy said the FEMA maps were being re-worked to incorporate recent improvements, and we'd no longer be an A zone. It appears this was not true. Was anyone else told anything like this by the builder? Of course, it was all verbal discussions - nothing in writing. The only thing I have in writing was the A0 disclosure. | | | |
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Kukulcan
Posts:17
| | 12/23/2007 7:33 PM |
Alert | | I have documentation that Desert Cedars and Maricopa Meadows were removed from the flood zone classification as result of drainage improvements made to both developments. The public report I received when I purchased in August 2006 states Desert Cedars is not in the flood zone. A recent visit to City Hall and a discussion with Rodolfo Lopez(Planning) futher confirmed the above. I am beginning to believe FEMA's December 2007 flood maps are incorrect, but unfortunately I have yet to find the right person(s) in FEMA that will discuss the matter with me. | | | |
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LoveScience
Posts:81
| | 12/23/2007 8:31 PM |
Alert | Kukulcan,
If you find any information, please be sure to pass it on. There are many of us in Alterra that are now being told that we are in a flood zone as well. Ugh! The joys of owning a home.... | | | |
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Kukulcan
Posts:17
| | 01/14/2008 9:30 AM |
Alert | I contacted CW today and was advised the flood insurance policy was removed from my mortage. I had noticed a change in my account (online) over the weekend which prompted my call. CW representative stated I would receive a letter showing the change in my escrow amount less the $350 lender placed insurance in 10 business days.
I suggest anyone with CW make contact and verify the flood has been removed. I would be interested in knowing if I am an isolated case due to my numerous phone calls and faxes to CW. | | | |
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twostep23
Posts:1684
| | 01/19/2008 9:17 PM |
Alert | I was advised by our community manager that she has some information that will help people work through all of this mess. I'll have it Monday and I'll post more on what it is exactly.
If anyone wants it please let me know and I'll forward it to you. | |
Senior Member
Posts: 4625
Joined: Feb 2006 | |
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matmo
Posts:88
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| 01/23/2008 9:29 PM |
Alert | | Can you forward that info to me....thanks | |
amatman
Senior Member
Posts: 5398
Joined: Oct 2006
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maricopamommy1
Posts:552
| | 02/07/2008 12:58 PM |
Alert | | twostep I would like the info also as I just rvcd a letter I need flood insurance. Thanks. | |
I am enough of an artist to draw freely upon my imagination. Imagination is more important than knowledge. Knowledge is limited. Imagination encircles the world. -Albert Einstein | |
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Robert B
Posts:805
| | 02/13/2008 9:24 AM |
Alert | I just talked to wells fargo because, I want to dispute the zone map and they told me they have the new map and we are not in the flood zone anymore. So we do not need the flood insurance. | | | |
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twostep23
Posts:1684
| | 02/13/2008 1:22 PM |
Alert | I have a copy of the LOMR letter if you want it for your records. Just let me know. | |
Senior Member
Posts: 4625
Joined: Feb 2006 | |
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Navyjeff
Posts:10
| | 02/14/2008 11:05 PM |
Alert | | Where do we get this info to send to our mortgage company?? I tried sending them the link to Fox 10's website so they could see the weather reports......last I checked, you had to have this stuff called rain to have a flood. That didnt work though. | | | |
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twostep23
Posts:1684
| | 02/15/2008 9:01 AM |
Alert | I have it. Let me know and I'll get one to you. | |
Senior Member
Posts: 4625
Joined: Feb 2006 | |
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Robert B
Posts:805
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cregan
Posts:15
| | 02/16/2008 3:47 PM |
Alert | Can anyone PM me with something I can show my mortgage company? They chareged a lot of money to my escrow and I do not have that unexpected funds. How I realize how the community has so many foreclosures. A lot fo unexpected bills and high property taxes.
I would be happy if anyone can forward concrete information that I can backup this data with the lender
Thank you | | | |
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twostep23
Posts:1684
| | 02/16/2008 3:51 PM |
Alert | I'm assuming that you live in Desert Cedars If you do send me your email address to twostep23@aol.com and I'll forward you the LOMR letter that shows that Desert Cedars has been removed. | |
Senior Member
Posts: 4625
Joined: Feb 2006 | |
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Avalanche
Posts:30
| | 04/14/2008 5:47 PM |
Alert | | Anyone in Maricopa Meadows paying for flood insurance? Anyone able to get it removed? I talked to the city today and was told he could prove we are NOT. We shall see though. | | | |
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cregan
Posts:15
| | 04/15/2008 10:42 PM |
Alert | Avalanche
I'm in Desert Cedars. I received my letter from my lender early February and just got the unathorized flood insurance removed from my escrow early April. It took a lot of persistance and learning the FEMA and flood legal stuff. I have accumulated everything, all the paperwork. email me at regan.chantal@yahoo.com for a pdf of all those documents. My lender is Countrywide. I kept the names of everyone and especially the department that decides if we are in a flood zone or not, and the refund department. When you call the main number they are not allowed to transfer you or give you the numbers of those departments. After 2 months of dealing with them ... they did not hide that from me.
I still have trouble with escow. My payment went up. They told me that my escrow was revised as I did not have to have flood insurance, but unfortunately they had to win. I have to pay the higher payment and they apply part of my payment to escrow. They had to win ... now my payments are not decreasing my principal right away. | | | |
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