1. What is CoreLogic's process for completing flood determinations?
According to the federal regulations, the flood zone determination must be based upon the current FEMA Flood Insurance Rate Map (FIRM). The foundation of our flood zone determination process is a multi-level database, which is based on two complementary processes. The first component is a vast database of nearly three decades worth of manually completed determinations. These determinations are created when one of our Map Analysts examines the hard copy FIRM and renders a determination. The analyst who specializes in the specific geographic region involved may also use other resources from our extensive library to locate the specific structure on the FEMA map. These resources can include tax maps, plats, surveys, subdivision maps, lot and block information, section/township/range, aerial photographs, and legal descriptions.

The second building block in our process is state-of-the-art Geographic Information Systems (GIS) technology, which is a computerized mapping approach that gives us a digitized data view of a geographic location. This technology allows us to process map revisions quickly and efficiently and serves as a built-in check and balance system for maintaining superior accuracy.

2. How quickly does CoreLogic fulfill requests for flood determinations?
On a nationwide average, the vast majority of our determinations are returned to you instantaneously, with the remainder manually researched and returned in less than 24 hours. Our current national average exceeds a 90 percent instant response with manually researched items completed in an average of 12 hours.

3. What information does CoreLogic require in order to complete a flood determination?
The information required to prepare an accurate flood zone determination is a correct and valid property address. Occasionally, we may require additional information such as the legal description, tax parcel number, tax identification number, and survey or site plan showing the physical location of all structures on the property. We utilize our expansive resource database to complete flood determinations prior to requesting any additional information, but we welcome any information that you have regarding the property.

4. What if we have questions about a specific flood determination request, a completed flood determination, or about our account?
Because we know your time is valuable, our goal is to provide such flawless service so as to minimize any questions or concerns. Should you need to contact us, however, you'll have immediate access to a friendly, knowledgeable Client Advocate who will answer your question or rectify the problem as quickly as possible. Your call is answered without complicated phone menus or endless on-hold waits. Best of all, because of their training and authority, our Client Advocates can resolve 80% of phone (800-447-1772), This e-mail address is being protected from spambots. You need JavaScript enabled to view it and FloodCert.com inquiries on the spot, with no additional calls or follow-up needed. We are available from 7 a.m. - 7 p.m. Central time, Monday through Friday.

5. What does CoreLogic do to assist its client when faced with a regulatory complaint or violation?
If you are ever faced with a flood-related regulatory complaint or violation, please contact CoreLogic immediately. We encourage you to contact us through our Client Services Department, your Account Manager, or the Compliance Department. Because we take an active role in the resolution, the sooner we become involved in the process, the greater the likelihood that we can resolve the matter.

We will work directly with you and the agency, commission, department, or other regulatory body to resolve the situation.

6. Explain how CoreLogic handles rush requests. What is the response time for a rush request?
We understand that the need for rush service on a determination will arise from time to time. As a normal part of our customer service, we provide an expedited determination whenever the need arises. For an additional fee of $10 (ten dollars) we guarantee a turnaround time of four business hours.

Since most flood determination requests are completed instantly, this added guarantee is seldom needed. If your Rush Determination is not completed within four (4) business hours or less from the time you placed the rush order, you are not billed the rush fee.

7. What if there is information in the loan file, such as a survey, which has a different flood zone than on the flood determination?
The federal regulations specify that the lending institution has the ultimate responsibility to require flood insurance when applicable; thus it behooves the lender to review the flood determination along with any other loan documentation and to contact CoreLogic with any conflicting information. When this occurs, we will review the flood determination to confirm the property's flood zone. Please also provide us with any conflicting documents, so we can respond directly to this information.


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