Letter of Determination Review (LODR) 1
Letter of Determination Review (LODR) 1 :
"A Letter of Determination Review (LODR) is FEMA's comment on the determination made by the lender or third party that the borrower's structure is in the Special Flood Hazard Area (SFHA). Borrowers who have good reason to dispute the flood hazard determination presented by a lender may request, jointly with the lender, that FEMA review that determination. Because of the fee required to process the request, borrowers should not consider this alternative unless they have already had the subject STRUCTURE plotted on the current effective Flood Insurance Rate Map (FIRM) and are certain it is wholly outside the SFHA. It is important to keep in mind that if any portion of a structure falls within the SFHA, the flood insurance purchase requirement will apply". (FEMA, Frequently Asked Questions: General Information-What is a LODR, 2006)
