Whether or not your home needs to be elevated to meet current – and future – requirements is the most confusing component of moving forward with rebuilding your home. If home elevation is necessary, there are several important components to consider prior to construction. The cost of hiring a professional to design, permit and complete a turnkey home elevation on your behalf is the chief consideration. The second is to determine if you are entitled to Federal Emergency Management (FEMA) financial assistance or if your flood claim qualifies for state grants and/or loans. Ascertaining the minimum required elevation height with which you must comply, as well as the most efficient construction method, are all critical rebuilding components that must be considered before moving forward..
That’s not all.
It is also important to carefully identify and consider your needs, procuring the appropriate contractor to elevate your home. Historically, New Jersey has not required a significant percentage of properties to elevate their homes; therefore, there isn’t an abundance of qualified contractors available to efficiently meet the crushing demand of countless homes that now must meet elevation requirements. This huge demand, combined with a lack of experience, has created a gap in the market that new, inexperienced companies are looking to exploit.
Smart Jack™, meanwhile, offers a turnkey solution to the challenge of elevating your home efficiently, leveraging the resources of the Smart Center™ and its team of multi-disciplinary professionals with experience in engineering, construction, FEMA flood maps, grants, loans specialist, insurance claims and finance. Our team will quickly perform a site inspection of your property — virtually and physically — to establish your zoning and eligibility for insurance claims and FEMA funding, as well as state and federal grants and loans.
Smart Jack™ services include, but are not limited to:
- Site surveying
- Flood claim support
- Home inspection report
- FEMA Hazard Mitigation Grant programming, as well as local, state and federal application completion
- Engineering, planning and permitting
- Site utilities such as water, sewer, gas and electric disconnects/reconnects
- Demolition and carting services
- House jacking and elevating services
- Wood, concrete and helical pile Installations
- Foundations and masonry trades
- Driveways, pavers, sidewalks and curbing
- Stone, sand, topsoil and landscaping
Elevating your home is a sophisticated project and requires great orchestration of design, materials, labor and equipment to ensure the project is successful. Hiring a qualified contractor has never been more important than now because of the current demand for elevating homes in the area. Analysts predict it could take up to five years to complete the tens of thousands of homes in need of elevation. The longer you wait to hire a contractor, the longer you may have to wait to have your home raised by a qualified contractor.
When Smart Jack™ gives you a schedule we keep it. We are committed to taking the uncertainty out of the Jersey Shore rebuilding effort. With our in-house surveyors, engineers, materials, labor and equipment, we can control and manage our projects and guarantee success.
Smart Jack™ offers smart solutions for smart people
For more information about our turnkey solution please call 855-5- JACKIT or click this link to schedule a free consultation with our solution specialist at the Smart Center™.
Key benefits of elevation include:
- Reduces the flood risk to the house and its contents
- Eliminates the need to move vulnerable contents to areas above the water level during flooding
- Reduces physical, financial, and emotional strain that accompanies floods
- Provides homeowners with additional parking and storage space within their home
- Reduces flood insurance premiums
- Ensures neutral — or positive – impacts to tax bases of communities
How much does it cost to elevate or raise my house?
- Method of elevation and foundation type drives cost
- Experience is:
- Approximately $100/sq. ft. for slab on grade
- Approximately $75/sq. ft. non-slab on grade
Smart Jack™ has partnered with nationwide lenders to provide you with the most cost-saving options when it comes to obtaining a loan to purchase, renovate or rebuild a home. Once we have reviewed your questionnaire, we will work with you to determine the loan type that makes the most sense for your personal situation.
Our loan programs include:
- New home loans
- New construction loans
- Renovation loans
- Hard money loans
Whatever your needs we have the perfect loan product for you.
Subsidies / Funding Options
- Hazard Mitigation Grant Program
- 75/25 cost share
- Flood Mitigation Assistance Program
- 75/25 cost share
- Severe Repetitive Loss Program
- 90/10 cost share
- Substantially Damaged
- Up to $30,000
- Homeowner direct claim
How local cost share can be paid:
- SRL offer triggers ICC
- Otherwise substantial damage triggers ICC
*Note ICC is complicated and often cannot be determined until complete.
What costs will be eligible for grants?
- Architectural and engineering fees associated with a design for elevating an eligible insured building
- Clearing necessary vegetation and preparing path for installation of lifting supports
- Excavation around the dwelling
- Lifting or jacking building
- Additional cost of elevating the risk above the minimum required height
- Temporary support cribbing
- Disconnecting utility connections
- Extending or modifying utility connections
- Reconnecting utility connections
- Constructing a compliant foundation
- Code upgrade requirements not related to state or local floodplain ordinances
- Cost associated with elevating the insured building out of a Special Flood Hazard Area (SFHA)
- Restoring the lawn
- Restoring walks, driveways and other surfaces outside the perimeter exterior walls of the insured
Key features of Biggert-Waters Flood Insurance Reform Act include:
- Extends National Flood Insurance Program (NFIP) through Sept. 30, 2017
- Hazard Mitigation Assistance (HMA) grant programs
- Merges Repetitive Flood Claims (RFC) and Severe Repetitive Loss (SRL) grant programs into Flood Mitigation Assistance grant program
- SRL properties will be funded at 100 percent
- RFC properties will be funded at 90 percent
- All others will be funded at 75 percent
- Adds mitigation reconstruction (demolition/rebuild)
What are the most common elevation methods?
- Available elevation methods, which are thoroughly described in both FEMA P-312 (Chapter 5) and FEMA 347, include:
- Elevating the existing structure onto piles, post or piers
- Filling in the basement and replacing it with an elevated floor
- Elevating by vertically extending the foundation walls of the home
What are several good tips for hiring a contractor to raise my home?
- Select qualified elevation contractors
- Set minimum requirements for participation
- Ensure the contractor has the specific equipment necessary to move your type house such as a “unified jacking machine”
- Ensure the contractor is a licensed professional with experience in heavy construction
- Ask if your elevation contractor has cargo/riggers liability insurance for contents of your home, as well as at least $1 million in liability insurance
- Local contractors with New Jersey contractor licenses are highly recommended
- Request several estimates and compare them
- Have a written contract in place before beginning work
- Make sure you get a permit for the work — you may lose your insurance money without proper permits or have a “Stop Work” order put in place
- Set up sound financial processes