FEMA/WLM Letter(s)
Windstorm Loss Mitigation (WLM) - Requirements for roofs and opening protection require the use of Just Value of the structure from the Property Appraiser's Office for ad valorem tax purposes when a building is uninsured or for which documentation of insured value is not presented.
Federal Emergency Management Agency (FEMA) - Substantial Improvement/Substantial Damage determinations allow the use of 'Just Value' of the structure developed by the Property Appraiser's office for Ad Valorem taxation purposes after adjustment to approximate market value. If your property suffered damage due to a calamity, you will need to use the FEMA letter from before the catastrophic event for FEMA 49% or 50% Rule purposes (buttons below).
Note:
- If you experienced storm damage that was not repaired as of January 1, 2025, please use the 2024 (pre-storm) letter or BVR prepared by our office.
- If your home was not damaged or was repaired by January 1, 2025, please use the 2025 FEMA letter. If this letter reflects a lower building value than the 2024 letter, it likely reflects storm damage depreciation. However, if you were not damaged or were repaired by January 1, 2025, please contact our office and ask to speak to your Area Appraiser to discuss so that we can make any warranted adjustments.
- If you completed repairs to your home after January 1, 2025, please use the 2024 letter. However, if there is a damage event that impacts your property during 2025, our office will provide Building Value Reconsiderations (BVRs) for these property owners upon request with good supporting documentation. Owners can always engage a private appraiser. It is imperative to have good photos (not video) of all areas of your home for both appraisal and insurance purposes. These should be taken as repairs progress, as well as at completion.
