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Horizon Certification Services (HCS) was founded in 1992
to provide nationwide flood zone determination and compliance
services for financial institutions. Our expert staff determines
and reviews the flood status of the property from current
FEMA maps. Trained researchers and customer service representatives
provide extraordinary customer service using state-of-the-art
web-based technology. Our professional staff provides accurate
and insured flood zone determinations in standardized format
to ensure all of your loan files are in compliance with
current federal law. We provide Life of Loan Monitoring
Services for all FEMA map revisions in your loan portfolio.
We also provide a comprehensive review of your existing
loan portfolio. Horizon’s service safeguards your
institution against liability from flood losses and regulatory
non-compliance.
We understand your daily business needs and demands. Making
a sound business relationship decision is critical to your
organization’s success and performance.
We provide:
- Flood certificates directly ordered at our website
www.horizonflood.com (or by facsimile). Our online application
system allows you to order, process and retrieve your
documents, check pending order status, and review historical
activity for all of your flood zone orders.
We use:
- Computerized mapping system, geo-coding, tax parcel
maps, surveys and aerial and satellite photography ensure
your processors receive accurate flood zone determinations
to eliminate liability.
- In most cases your requests are returned instantaneously
via the web. Our priority service guarantees that you
will receive completion of your request within 2 hours.
We offer:
- No minimum monthly requirements. Volume discounts are
available by negotiated contract.
All determinations are completed using the best mapping techniques
and are fully insured by an Errors & Omissions Policy underwritten
by an A+ rated insurance carrier. Horizon provides lenders with
a comprehensive program of services to meet compliance needs,
reduce liability, control risk management, and fulfill regulatory
requirements.
Horizon is dedicated to fostering long-term
relationships with our clients established on expertise, trust,
convenience, reliance, and value. Knowledgeable customer service
representatives personally answer your calls and make researchers
and managers available to you because our employees understand
what is at stake and what matters.
Should a specific customer have additional questions, Horizon’s
staff is available to discuss their individual flood determination.
We will counsel your customer regarding flood insurance
and its availability, FEMA LOMA/LOMR requirements, and any
other customer issues.
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