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Natalie Torres

Is there any way to check records to see if a house has flooded previously? Other than the SD

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Is there any way to check records to see if a house has flooded previously? Other than the SD

By Natalie Torres   
Posted on Jul 30, 2021 in Topic: Realtor Only
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Status: Open
Viewed: 704
Asked by: REALTORS®
Posted: 2 months ago
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Amy Vance
about 2 months ago
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about 2 months ago
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Cynthia Cantu-Tucker
about 2 months ago
Fema website and in HAR under flood maps.


about 2 months ago
Gold
Penny Clissold
about 2 months ago
Yes during your option period get a quote on home owners insurance. They will provide you with a “Clue Report “ which shows all claims on the home.


about 2 months ago
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Ximena Allub
about 2 months ago
Aask your insurance agent. Your insurance agent can run a Comprehensive Loss Underwriting Evaluation (CLUE) report on the past claims on the property. This will be the most concrete way of determining whether or not the home has flooded in the past. This reports past flood claims filed by the owner, but NOT flood damage at the property when no claim was filed. If the owner did not have a flood policy at the time of the previous damage, it is unlikely they filed a claim.

Other resources can be inspectors who can determine if there is water damage on the property, the sellers must disclose it on the SD.


about 2 months ago
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Melba Aguilar Rodriguez
about 2 months ago
I would search in Matrix for homes surrounding the one you have doubts about, and check in remarks or SDs if any flood has been disclosed. But you may be going beyond the line of duty trying to find something that sellers are not disclosing.


about 2 months ago
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Harriet Lane
about 2 months ago
This can be challenging information to access if a claim was never filed through FEMA or an Insurance company, and it’s not indicated on the SD. A professional home inspection is an option if the flood history is not documented.


about 2 months ago
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Janet Davila
about 2 months ago
Clue report. Insurance agent.


Source:


Experience


about 2 months ago
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James Wright
about 2 months ago
I've found YouTube to be helpful. I know it sounds crazy, but its amazing how many flooded Houston homes from 2017 are on YouTube. I hope this is somewhat helpful.


about 2 months ago
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Ricardo Ramirez
about 2 months ago
Good Question, If you can't find records, ask the neighbors of that property.


about 2 months ago
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A. Selena Barr
about 2 months ago
Yes the CLUE Report


about 2 months ago
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Suzanne Dillmann
about 2 months ago
Your insurance agent should be able to look up up to see if any claim have been filed on the home.


about 2 months ago
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Maria Barnabe
about 2 months ago
Check the address on FEMA map, ask the insurance company for a quote they will get the CLUE report.


about 2 months ago
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Brenda Cheney
about 2 months ago
Great question! Yes, you can go to msc.fema.gov and put the address in the search bar.


Source:


FEMA


about 2 months ago
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J. Lindsey
about 2 months ago
If the house was originally built with hardwoods (all were, up to 1969) and they are gone, it has flooded. If the hardwoods look too new (not just refinished.. there is a difference), it flooded. If the house is under 200k and in a flood area, it flooded (lol). Checking neighbors won’t necessarily work unless you can get an elevation for your subject property and an elevation cert for the surrounding properties to compare against.


about 2 months ago
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Kathryn Nelson
about 2 months ago
This is still looking at Sellers Disclosure, only I check Archives. Was the property listed previously and if so, what did that disclosure say? Incredible how often you can learn new - and important - info.
Another suggestion: typically there are seasoned agents who were around during various flood events. Some are nice enough to share.


Source:


Houston MLS


about 2 months ago
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Daniel Sirka
about 2 months ago
The best thing is for your client to ask their insurance agent for a CLUE report. Should be on there.

Unfortunately, in the last few years, the owners are using SD to tell you about the things they have replaced or upgraded, not actually disclosing deficiencies. As agents we should advise our clients to answer the questions to the best of their knowledge, not just cross out the SD and state "Owner never lived in the house".


about 2 months ago
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Lidia Beza
about 2 months ago
Fema Flood Maps


Source:


www.fema.gov


about 2 months ago
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Arfacxad Cabrera
about 2 months ago
FEMA map is a great source to see if a home has flooded, also make sure to ask an insurance company for a CLUE report, you may need to get a quote at the same time. Also, check previous Seller's Disclosures if home has sold before or was listed more than once.


about 2 months ago
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Erica Texada
about 2 months ago
If the homeowner was issued any insurance money for damages, you may be able to reach out to your insurance provider as request a CLUE report for the property in question.


Source:


https://www.tdi.texas.gov/blog/buying-a-house-ask-for-a-clue-report.html


about 2 months ago
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Laura Coria
about 2 months ago
Get your insurance company to run a CLUE report on all claims. When buying a home this is your due diligence period foe you to evaluate and inspect the home thoroughly.


Source:


Experience


about 2 months ago
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Melissa Sanders
about 2 months ago
Check with your insurance company and also the Harris County Flood Control District has a map and reports


about 2 months ago
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MariaDolores Baquero-Perez
about 2 months ago
Home owners insurance willProvide you with all the information and in the fema flooding map you can get the info... sometimes fema map doesn’t show everything. I usually ask to neighbors... They tell you everything ???????????????


about 2 months ago
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Guadalupe Martinez-Thomas
about 2 months ago
Fema website and Home Insurance Carriers


about 2 months ago
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Diane Peters
about 2 months ago
No, I don't think they have a way to tell you if the owner doesn't share. If it is let me know.


about 2 months ago
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Edna Catchings
about 2 months ago
You can get your insurance to do a Clue Report on the property.


about 2 months ago
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Stephony Garrett
about 2 months ago
If you’re buying a house, you can ask the owner to show you a CLUE report for the property. If you’re selling a house, a CLUE report can help potential buyers know the condition of the house they’re buying.


Source:


https://www.tdi.texas.gov/tips/check-your-propertys-insurance-claim-history.html


about 2 months ago
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Al Mesrahi
about 2 months ago
Always check with your insurance agent before purchasing any properties.


about 2 months ago
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Cindy Scrivner
about 2 months ago
For consumers check with your current insurance company to give you a quote and ask for the CLUE report. I also use this website that is free for now:

https://portal.texascoastalatlas.com/buyersbwhere/landingpage/

It’s a great source better than FEMA. It uses Google Maps to break down residential risk by home. It calculates flood zones, past flooding and even hazardous waste. Also I like using the Army/Military evaluation maps I find are better and more update than the HAR flood maps and FEMA.

I hope that helps. Please reach out to me if you need more info and help.


about 2 months ago
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Alpana Romana
about 2 months ago
Yes
.When you Check on listing Photo, after Photo is Click is Map view and there is lots of option. You click on Flood zone may be 5 or 6 Box, And when you click . There is different colors . If its purple is always on Flood Zone and then green one on 500 lavel, and Brown color is No Flood Zone at all.


about 2 months ago
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Marsha E Loring
about 2 months ago
Disclosure and verification of previous flooding can be challenging. Many of the posts do provide valuable information. Having worked in areas that have previously flooded please see a few ideas below. Fair warning, playing detective takes time.
1. Carefully read all flood related sections of the Seller’s Disclosure Notice carefully. If they currently carry Flood Insurance, request a copy of their Flood History report. It comes with the packet sent to confirm the policy (don’t have the exact name of the mailer); it is the second page which is often overlooked. It provides the claim history and the amounts of those claims. If the sellers do not have it they can request it from FEMA or through their insurance agent.
2. Check the property history of the listing and review any attachments. Sometimes the SDN has been removed and other feature pages etc remain. One Meyerland property had a love letter attached where they left a flood kit for the new owners - no SDN.
3. Check previous or current listings for the properties immediately adjacent to the listing, back and sides.
4. Call previous owners. I’ve even had a previous owner laugh and send me pictures of themselves on too of a counter surrounded by water. When people have sold a home that has flooded they often are bitter and happy to tell.
Please feel free to reach out if I can help you …


about 2 months ago
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Cory Kammerdiener
about 2 months ago
Yes. Contact an insurance agent and have them do a claims check on the property. If there have ever been any claims on the home...they will see it. It is possible a home could have been flooded and the owner did not file a claim...this is why we use the Sellers Disclosure.


about 2 months ago
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Purvi Shah
about 2 months ago
Insurance agent can run CLUE report for past claims


about 2 months ago
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Brianne Merck
about 2 months ago
From Veronica Mullenix: Your insurance agent can run a Comprehensive Loss Underwriting Evaluation, CLUE Report,, on the claims history for a property. In addition to the seller’s disclosure this is one way to uncover whether a property ever flooded. If the property was listed in MLS after a flood incident the past listing remarks may comment about whether or not the property flooded. All Realtors have access to the property archive report for each listing that is in the MLS. Hope these suggestions help."


Source:


https://www.har.com/question/3108_is-there-a-database-or-way-to-look-up-if-a-home-has-previously-been-flooded-prior-to-purchasing


about 2 months ago
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Tracie Benton
about 2 months ago
Good Question! You can reach out to your preferred insurance provider and ask them to pull a report to see if the house has ever reported any flood damage. They can also tell you if it's in a flood zone.


about 2 months ago
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Kimberley Weathers
about 2 months ago
CLUE is the easiest, plus all of the flood maps that are on the apps. It is really important to also find out what kind of remediation the city and county has done to keep flooding from happening again. There are quite a few projects that are already completed.


about 2 months ago
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Janet Chavez
about 2 months ago
Absolutely! Try www.Fema.gov/flood-maps and check with Insurance and previous SD from previous sales.


Source:


www.Fema.gov/flood-maps


about 2 months ago
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Peter Wright
about 2 months ago
You are looking for a CLUE report:

“That includes the date of loss, loss type and amount paid, along with general information such as policy number, claim number and insurance company name.”



Source:


https://www.forbes.com/advisor/homeowners-insurance/clue-report/


about 2 months ago
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Pauline Clement
about 2 months ago
All the answers listed by other HAR agents are exactly a good place to start. CLUE report, insurance agent, neighbors, You Tube, HOA and neighborhood news, Sellers Disclosure, and the news.


about 2 months ago
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Abbas Naqvi
about 2 months ago
Comprehensive Loss Underwriting Evaluation - CLUE Report, is a resource that can be used to double check the sellers disclosure but is only good if a seller claimed against his insurance. A lot of times depending upon the deductible and amount of damage done, a homeowner may not claim against his insurance. I would check last sold on the same street, or a few streets down and if it was disclosed as flooded, then more than likely the neighborhood took water. Also an inspection would reveal water damage or detect mold if the house was flooded.


Source:


Personal experience and working knowledge.


about 2 months ago
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Erick Mariscal
about 2 months ago
You can use the MatrixMLS for the flood map on the property and also see the 360 history from the house and houses near by for any documents disclosed.

Lot of other great answers from everyone.


Source:


matrix.harmls.com


about 2 months ago
Disclaimer: Answers provided are just opinions and should not be accepted as advice.
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