Fill - Free fillable Hazard Area (SFHA). For structures located outside of (Bay County Board of County Commissioners) PDF form

Rick Holmes, CBO Wayne Porter, CFM

Items needed to acquire permits for repair of damaged homes in a Special Flood

Hazard Area (SFHA). For structures located outside of a special flood hazard area, normal

permitting procedures apply.

1. Completed and signed permit application. (Included)

2. Official Elevation certificate. (See Q & A below)

3. Completed Damage Repair Worksheet. (Included)

Continue with items below if the structure is non-conforming. (See definition below)

4. Completed Property Owner's Damage Affidavit. (Included)

5. Completed Contractor's Damage Affidavit. (Included)

6. Pre-damaged appraised market value of the structure from a licensed appraiser. (Optional, see

how is market value determined below)

Notice of Determination of substantial damage will be issued upon request.

(Sample included)

Questions and Answers

What is a ‘non-conforming structure’? Existing structures that have the lowest finished floor below the

required elevation are non-conforming.

What is the FEMA 50% rule? Bay County participates in the National Flood Insurance Program (NFIP)

making affordable flood insurance available for structures within its jurisdiction through FEMA. The

FEMA 50% Rule is a requirement for participation in this program. It limits the cost of repairs to non-

conforming structures to less than 50% of the “Market Value” of the structure prior to the Flood. If your

home is below the FEMA required flood elevation, the County has flood damage prevention regulations

that will affect repair your home.

What if the cost of repair exceeds 50% of the market value? If a building is ‘substantially damaged’ or

‘substantially improved’, it must be brought into compliance with Bay County floodplain regulations,

which may include elevating the building to or above the 100 year flood elevation. Likewise, all electrical

and mechanical equipment, bathrooms, and laundry rooms would need to be elevated. Only parking,

building access and storage is allowed below the flood level.

What is Substantial Damage? Damage of any origin sustained by a structure whereby the cost of

restoring the structure to it’s before damage condition would equal or exceed 50 percent of the market

value of the structure before the damage occurred. (Note: The cost of the repairs must include all costs

necessary to fully repair the structure to its “before damage” condition.) Bay County has a 10 year

cumulative substantial damage clause in its floodplain management ordinance. This means that the

County includes the cost of any repairs or improvements made to the home within the last ten years

when making substantial damage determinations.

Where can I obtain an Elevation Certificate? Elevation Certificates must be prepared and certified by a

Licensed Land Surveyor, Registered Professional Engineer or Registered Architect who is authorized by

state or local law to certify elevation information. If an Elevation Certificate has been prepared for your

property, you may be able to obtain it from the property developer or the Bay County Floodplain

Manager may have a copy. Bay County Floodplain Manager (850) 248-8250

How is ‘market value’ determined? Bay County will use the assessed value of your structure recorded

by the Bay County Property Appraisers Office, plus the recommended adjustment factor. Only the value

of the structure is pertinent, the value of the site improvements such as pools, accessory structures,

fences, landscaping, docks, etc. are not included. If you disagree with the Bay County Property

Appraisers Office valuation of the structure, you may engage a State of Florida licensed property

appraiser to submit a comparable property appraisal for the pre-damage market value of the structure.

The appraised value of the structure less the value of all forms of depreciation is the ‘market value’.

When do I need to submit a Repair Cost Form? When a structure is non-conforming you must provide

an estimate of the cost to perform the proposed improvements or repairs if your building has been

damaged. The cost estimate must include all work required to repair the building to its pre-damage

condition. The cost estimate must include all labor and materials. If the work will be done by a

contractor, the contractor’s overhead and profit must be included. If the work will be done by the owner

or volunteers, market rates must be used to estimate the cost of materials and the value of labor.

Attached to this notice is a list of costs that must be included and costs that are excluded.

Who can I contact for more information? For answers to any questions regarding Bay County Floodplain

Regulations contact Bay County Floodplain Manager, Wayne Porter at 850-248-8250 or

wporter@baycountyfl.gov.

Costs

for

Substantial

Improvements

and

Repair

of

Substantial

Damage

In

c

lud

ed C

osts

It

ems

th

at

must

be

i

nc

l

uded

in

the

costs

of

i

mpro

veme

nt

or

costs

to

re

pair

are

tho

se

that

arc

dire

ctly associ

ated

with

th

e

bui

l

din

g .

Th

e fo ll

ow

in

g list

of

costs

th

at

mu

st

be

includ

ed

is

not

in-

t

en

ded

to

be

exhaus

ti

ve,

but

cha

ra

cte

ri

zes

the

types

of

costs

th

at

must

be

i

ncluded:

• Materials

and

labor

,

includin

g the

estimated

rnlue

or

donated

or

d isco

unt

ed

mat

e

ri

als

and

own

er

or

vo

lunt

ee

red

l

abo

r

• Site preparaLion relat

ed

to the i

mpro

v

ement

or

r

epa

ir

(fou

nd

aL

i

on

excavati

on,

filling in

basemems)

• De

mo

lition a

nd

constr

uc

ti

on

debris disposal

• Lab

or

a

nd

other

costs associ

ated

with

demol

ishing, moving,

or

altering

building c

omponents

to acco

mm

odate

i

mp~o

ve

m

e

nts,

addit

ion

s,

a

nd

making

re

pair

s

• Costs assoc

iat

ed with

co

mp

lying

wi

th any

other r

eg

ulation or

code

requ

i

re

m

ent

that

is

tr

igger

ed

by

the work, incl

udin

g costs

to

co

mply with the re

quir

eme

nt

s or the

Americans with Dis

ab

ili

ties Act (ADA)

• Costs associat

ed

with elevating a struc

tur

e to

an elevation that is lower t

han

the

BFE

•

Cons

t

ru

ction ma

nag

eme

nt

a

nd

s

up

ervision

• C

ontra

ct

or

's overh

ead

and

proflt

• Sales taxes on ma

ter

ials

•

St

ruct

ur

al ele

men

ts

and

ex

terio r finishes,

in

cl

uding:

Foundat

ions (e.g., s

pr

ead

or

comin

u-

ous

found

a

ti

on

fo

otings, pe1

imc

t

cr

wa

ll

s,

chainwalls, pilings,

co

lumn

s,

post

s,

etc.)

Monolithic

or

oth

er

types

or

co

ncrete

slabs

B

ea

ri

ng

wa

ll

s,

ti

c beams, t

ru

sses

J oists, b

ea

m

s,

s

ubn

oo1ing, framin

g,

ceilings

lmc

ri

or

non

-b

ea

ring walls

Exte

rior

fi

nishes (e.g., brick, stucco, sid-

in

g,

paintin

g,

a

nd

trim

)

• Structural elements

and

exte

ri

or

finishes

(co

nt.

):

Wind

ows a

nd

exte

ri

or

door

s

Roofi

ng

, gutters,

and

downspo u

ts

Hardware

Attached d

ec

ks

and

por

ches

•

lnt

e

ri

or

finish

elements

,

includin

g:

Flo

or

finishes (e.g., h

ardwood,

ce-

ramic, vinyl, linoleum,

stone

, a

nd

wa

ll-to-wa

ll

carp

et over s

ubfloorin

g)

B

at

hroom

Li

ling

and

fixtures

Wa

ll

finishes (e.g., drywa

ll

,

paint

, s

tu

c-

co, plaster,

panel

ing, a

nd

ma

rble)

Built-in

ca

binet

s (e.g., kitchen, utilit

y,

e

nt

e

rta

i

nm

ent,

sto

rage, a

nd

bathro

om)

Int

e

rior

doo

rs

In

ter

ior

finish carpe

nt

ry

• Built-in bookcases a

nd

furnitu

re

Hard

ware

Insulation

• U

ti

li

ty

and

serv

ic

e

eq

ui

pme

nt

,

includin

g:

HVAC e

qu

i

pm

en t

Plumb

ing

fi

x

ture

s a

nd

piping

Elec

tr

ical wiring,

out

lets,

an

d switches

Lig

ht

fixtures

and

ceiling fans

Sec

urit

y systems

Built-in

app

l

ian

ces

Central vac

uum

sys

tems

Wat

er

filtration, condiLioning, a

nd

r

e-

circula

tion

sys

tem

s

Rick Holmes, CBO Wayne Porter, CFM

Property address: ______________________________________________________________________

Owner name: ______________________________ Phone number: ______________________________

Contractor: ________________________________ Phone number: ______________________________

Contractor License number: ________________ Contractor address: _____________________________

________________________________________ Email: _______________________________________

Contractor Affidavit

I hereby attest that I have personally inspected the building located at the above-referenced address and discussed

the nature and extent of the work requested by the owner, including all improvements, rehabilitation, remodeling,

repairs, additions and any other form of improvement.

At the request of the owner, I have prepared a cost estimate for all of the improvement work requested by the

owner for the repair of damage; I have prepared a cost estimate to repair the building to its pre-damage condition.

I acknowledge that if, during the course of construction, the owner requests more work or modification of the

work described in the application, that a revised cost estimate must be provided to the Bay County Builders

Services Department, which will re-evaluate its comparison of the cost of work to the market value of the

building to determine if the work is substantial improvement. Such re-evaluation may require revision of the

permit and may subject the property to additional requirements.

I also understand that I am subject to enforcement action and/or fines if inspection of the property reveals that I

have made repairs or improvements that were not included in the description of work and the cost estimate for

that work that were the basis for issuance of a permit.

__________________________________ ________________________________ ____________________

Contractor’s Signature Print Name Date

Notary required if not submitted in person

State of _________________________

County of ________________________

Before me this____________________ day of___________________ , 20_____ , personally appeared

_____________________________________ who being duly sworn deposes and says that he/she has read,

understands and agrees to comply with all the aforementioned conditions.

(stamp)

_____________________________________

Signature, Notary Public

_____________________________________

Print Name, Notary Public

click to sign

signature

click to edit

click to sign

signature

click to edit

Rick Holmes, CBO Wayne Porter, CFM

Property address: ______________________________________________________________________

Owner name: ______________________________ Phone number: ______________________________

Email: ______________________________________

Contractor: ________________________________ Phone number: ______________________________

Contractor License number: ________________ Contractor address: _____________________________

________________________________________ Email: _______________________________________

Owner Affidavit

I hereby attest that the description included in the permit application for the work on the existing building that is

located at the property identified above is all of the work that will be done, including all improvements,

rehabilitation, remodeling, repairs, additions, and any other form of improvement. I further attest that I requested

the above-identified contractor to prepare a cost estimate for all of the work, including the contractor’s overhead

and profit. I acknowledge that if, during the course of construction, I decide to add more work or to modify the

work described, Bay County Builders Services Department, will re-evaluate the comparison of the cost of work to

the market value of the building to determine if the work is substantial improvement. Such re-evaluation may

require revision of the permit and may subject the property to additional requirements.

I also understand that I am subject to enforcement action and/or fines if inspection of the property reveals that I

have made repairs or improvements that were not included in the description of work and the cost estimate for

that work that were the basis for issuance of a permit.

__________________________________ ________________________________ ____________________

Owner’s Signature Print Name Date

Notary required if not submitted in person

State of _________________________

County of ________________________

Before me this____________________ day of___________________ , 20_____ , personally appeared

_____________________________________ who being duly sworn deposes and says that he/she has read,

understands and agrees to comply with all the aforementioned conditions.

(stamp)

_____________________________________

Signature, Notary Public

_____________________________________

Print Name, Notary Public

click to sign

signature

click to edit

click to sign

signature

click to edit

Rick Holmes, CBO Wayne Porter, CFM

Property address:____________________________________________________

Owner name:_____________________________ Phone number______________

Contractor:__________________________ Lic:____________________________

This cost estimate of repairs must be signed by the contractor or by the owner if the owner acts

as the contractor. Owners who act as their own contractors must estimate their labor cost at

current market value for the work to be performed including construction supervision cost.

Sub-contractor bids

Bid amounts

OR

Contractor or owner estimates

Material costs Labor costs

1. Masonry / Concrete

2. Carpentry Material (rough)

3. Carpentry Labor (rough)

4. Roofing

5. Insulation and Weather-strip

6. Exterior Finish

7. Doors, Windows & Shutters

8. Finish / Trim Carpentry

9. Hardware

10. Drywall

11. Cabinets & Countertops

12. Floor Covering

13. Plumbing

14. Shower / Tub / Toilet

15. Electrical & Light Fixtures

16. Concrete

17. Built-in Appliances

18. HVAC

19. Paint

20. Demolition & Removal

21. Overhead and Profit

22. Other:

Subtotal

Total of all

BAY COUNTY COMMUNITY DEVELOPMENT DEPARTMENT

840 West 11

th

Street Room 2350

Panama City, Florida 32401

Telephone: (850) 248-8250

Fax: (850) 248-8267

Email: planning@baycountyfl.gov

Notice of Substantial Damage Determination

Dear [name of structure owner]:

Bay County has reviewed your recent application for a permit to repair the

existing residential structure located at [0000 Some Street, Florida 324xx].

These repairs are required due to damage received from Hurricane Michael

on October 10, 2018.

It has been determined that this structure is located within a mapped

Special Flood Hazard Area on the Flood Insurance Rate Map (FIRM), Panel

[xxxx, with an effective date of any day and year]. As required by our

floodplain management regulations and building code, we have determined

that the proposed repairs constitute Substantial Damage for the structure.

This determination is based on a comparison of the cost estimate of the

proposed cost of repairs to the pre-damage market value of the structure

(excluding land value). When the cost of repairs equals or exceeds 50

percent of the pre-damage market value of the structure, the damages are

considered Substantial Damage (Bay County has a 10 year cumulative

substantial damage clause within its floodplain regulations).

As a result of this determination, you are required to bring the structure into

compliance with the floodplain regulations found in Article II of Bay County

Code of Ordinances and the current Florida Building Code.

There are several aspects that must be addressed to achieve compliance.

The most significant requirement is that the lowest floor, as defined in the

flood regulations/code, must be elevated to or above the base flood

elevation (BFE) plus one foot on the FIRM. You may wish to contact your

insurance agent to understand how raising the lowest floor higher than the

minimum required elevation can reduce National Flood Insurance Program

(NFIP) flood insurance premiums.

Please resubmit your permit application along with plans and specifications

that incorporate compliance measures to the Bay County Builders Services

Division. Construction activities that are undertaken without a proper permit

are violations and may result in citations, fines, or other legal action.

Sincerely,

Wayne Porter, CFM

Floodplain Manager

Board of County

Commissioners

www.baycountyfl.gov

840 WEST 11

TH

STREET

PANAMA CITY, FL 32401

COMMISSIONERS:

TOMMY HAMM

DISTRICT I

ROBERT CARROLL

DISTRICT II

WILLIAM T. DOZIER

DISTRICT III

GUY M. TUNNELL

DISTRICT IV

PHILIP “GRIFF” GRIFFITTS

DISTRICT V

ROBERT J. MAJKA JR.

COUNTY MANAGER

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Fill Online, Printable, Fillable, Blank Hazard Area (SFHA). For structures located outside of (Bay County Board of County Commissioners) Form

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