HL-40244
Step 6 · Insurance and floodstate
held
file 7 of 108
interrupt
low_confidence
low confidence
waiting
1m
astro · paused
low_confidence
The flood determination returned two zone codes for adjacent parcels. Which applies to the subject property?
What the run already has
determination pg 1parcel 0412-88 · Zone X
determination pg 2parcel 0412-89 · Zone AE
recordedZone X — underwriter
re-derivedZone AE — checker
differenceone zone band
likely causeadjacent parcels 0412-88 and 0412-89 both returned
The outcome is unchanged either way
Zone AE requires flood insurance before closing and adds a condition to the final record. Zone X does not. The outcome stays an approval either way; the conditions differ.
Everything above came from the run — no document reading required. If answering this needs the loan folder, the payload is incomplete and that is a spec defect rather than a training issue.