Deciding Who Is Covered. Figuring out whether an employer has enough employees to be covered by the laws we enforce can be complicated. If you arent sure how many employees there are, you should contact one of our field offices as soon as possible so we can make that decision. Also, keep in mind that even if an employer doesnt have enough employees to be covered by the laws we enforce, it may still be covered by state or local law.
This is called âadding freeboard.â. Thatâs especially prudent when building a new house. A new $250,000 house in a moderate or high risk flood zone, for instance, that has its lowest living floor four feet below base flood elevation, would have a $9,500 a year flood premium, FEMA notes.all notes the cost can run as much as $50,000 â at $30 to $35 a square foot for a concrete-block house â and as high as $200,000 or more for large houses. When Erika Brigham elevated her small 1925 cottage â a tiny creek runs behind it â on Ohio Place near downtown Sarasota, the cost was $17,000.
Owners of property near water where the chance of flood damage is significant should have flood insurance to protect their assets. Your mortgage or home equity lender (or in some cases, your local community) may require that you have flood insurance if your building is in a hazardous flood zone. Why do I need an Elevation Certificate? If your building is at or above the Base Flood Elevation (which is a number determined by FEMA for each flood zone), you are entitled to lower insurance premiums. The burden of proof of these elevations is on the homeowner.