We are a Hazard Disclosure Company providing Natural Hazard Disclosure Reports for the California Real Estate Market and Flood Zone Determination Reports for Flood Insurance Professionals, Homeowners and the Mortgage and Lending Industry for regions IX and X (Arizona, California, Nevada, Alaska, Idaho, Oregon, Washington).

Our Real Hazards disclosure package satisfies
the Natural Hazard Disclosure requirements of
the Mandatory Real Estate Disclosures
in California:

If you are selling a home in California, you
or your real estate agent must disclose to the prospective buyer a: 

Natural Hazard Disclosure Statement (NHDS)

If the real property lies within one or more of six statutorily specified areas:

• A Special Flood Hazard Area
  
• An Area of Potential Flooding
  
• A Very High Fire Hazard Severity Zone
  
• A Wild land Fire Area
  
• An Earthquake Fault Zone
  
• A Seismic Hazard Zone

Additional Disclosures:

• Airport Influence Area
  
• Megan's Law
  
• Mello-Roos Community Facilities Districts
  
• 1915 Bond Act Assessment Districts
  
• A Notice of Supplemental Property Tax Bill
  
• Private transfer fees
  
• County and City transfer taxes
  
• San Francisco Bay Conservation and Development (BCDC) Notification

Reminder: It is in your best interest to
disclose early.

There is a three-day rescission period during which buyers have the right to terminate an offer if the Natural Hazard Disclosure Report is delivered after presentation of the offer.

Environmental Reports

Real Hazards Incorporated has partnered with Environmental Data Resources Inc (EDR) to provide comprehensive and accurate environmental reports. These reports compare your property address against selected government databases of known and potential contamination sites.

More and more real estate agents in California are protecting themselves and their clients by meeting the states spreading environmental disclosure standard of care. In some counties nearly all residential transactions include an Environmental Disclosure Report, and inclusion is on the rise across the state.

• Like all forms of disclosure, in most cases an environmental disclosure report will increase buyer confidence and bring peace of mind to all parties.
• Providing an environmental disclosure report with the natural hazard report demonstrates a good faith effort on the part of the real estate agent and the seller to disclose all material property issues.
• When a significant problem is found in an environmental disclosure report it is in the best interest of all parties that the issue has been discovered and disclosed.

Developed exclusively for home buyers and sellers, the EDR Neighborhood Environmental Report identifies potential environmental risks such as leaking underground tanks, landfills and toxic waste sites on or near a property that may threaten a family's health or the value of their investment.

Order your comprehensive and accurate Environmental Report at our Services web page.

Standard Flood Hazard Determination (SFHD)

Our Flood Zone Determinations satisfy the National Flood Insurance Act of 1968 and the two subsequent laws, the Flood Disaster Protection Act of 1973 and the National Flood Insurance Reform Act of 1994.

When you use Real Hazards Incorporated as your Flood Zone Determination provider, you can answer yes to the relevant questions in the Flood Insurance Compliance Monitoring Checklist provided by the Federal Deposit Insurance Corporation (FDIC):

• The flood zone determination is made using the most current Federal Emergency Management Agency (FEMA) Flood Insurance Rate Maps (FIRM), Flood Hazard Boundary Maps (FHBM) and FEMA revisions to it and is guaranteed to be correct and covered by $4 million dollars in E&O insurance.
• There are provisions to resolve disputes and compensation for inaccuracies are stated in the service agreement.
• Flood zone determinations are accurately prepared on the Standard Flood Hazard Determination form (SFHD expires Oct 31 2008 ).Example
• A notice to the borrower is provided along with the SFHD for buildings or mobile homes in Special Flood Hazard Areas (SFHA):
  • Warning that the subject property is located in a SFHA.
  • With a description of flood insurance requirements.
  • Stating when applicable that flood insurance is available under the National Flood Insurance Program (NFIP) and is also available from private insurers.
  • Included is a statement indicating whether federal disaster relief assistance may be available in the event of damage to a building or mobile home caused by flooding in a federally declared disaster.
    
• A Metropolitan Statistical Area (MSA) number if available and a census tract number will be included for Home Mortgage Disclosure Act/Community Reinvestment Act (HMDA/CRA) reporting.

What is a Special Flood Hazard Area (SFHA)?

• These are the areas with the highest risk for flooding, shown on the Flood Insurance Rate Maps as Zones A or V.
  

• Over a 30-year mortgage, homes in these flood zones have a 26 percent chance of being flooded.
  

• Flood zone definitions.
  

For more information about the mandatory purchase of flood insurance requirements, and other related topics, read the Mandatory Purchase of Flood Insurance Guidelines.

• For a copy, call 1-800-480-2520 and request document F-083, or access the book on the FEMA web site at http://www.fema.gov/business/nfip/mpurfi.shtm.
  

Ease of Ordering

It's easy to order a Natural Hazard Disclosure Statement or a Standard Flood Hazard Determination when you establish an account with us. Simply login and your order-form will be automatically populated with your company profile and placed over a Secure Socket Layer (SSL), so your communications between your browser and our web servers will be private and secure.

If you want someone else to order for you, no problem, you have administrative rights and can add as many users as you like or give them administrative rights as well. You will also have the ability to view all users and edit or delete them from your user group.

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ESTABLISH ACCOUNT

If you are selling a home in California that was built before 1960, You are required to fill out a Residential Earthquake Hazards Report

FEMA CALL CENTER REFERENCE SHEET

[Top 10 Facts Every Lender needs to know About the National Flood Insurance Program (NFIP)]

[Top 10 Facts Every Flood Insurance Agent needs to know About the National Flood Insurance Program (NFIP)]

[Questions & Answers About Flood Insurance for Real Estate Professionals]

[Top 10 Facts Every Consumer needs to know About the National Flood Insurance Program (NFIP)]

[Flood Zone Determination Review]

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