Janice L. Dollar’s residence sustained water damage during widespread flooding which occurred in the Albany area in July of 1994. Dollar had maintained a flood insurance policy on the residence since 1973 as a condition of the existing first mortgage on the residence with Albany First Federal Savings and Loan, but she allowed the flood insurance to lapse in 1993 prior to the flood. In a suit against NationsBank of Georgia, N.A. for the uninsured damage, Dollar alleged that, when she obtained a second mortgage on the residence from NationsBank in March of 1993, NationsBank told her the residence was not in a flood hazard zone, and did not require her to maintain flood insurance on the residence as a condition of the second mortgage. Dollar alleges that this representation was incorrect-that her residence was in a flood hazard zone-and that she relied on the incorrect information provided by NationsBank when she allowed the flood insurance required by her first mortgage to lapse.1
In granting summary judgment to NationsBank, the trial court concluded that, even if NationsBank incorrectly informed Dollar that her residence was not in a flood hazard zone, it was not liable for any damages resulting from Dollar’s decision to rely on the incorrect information and to allow the existing flood insurance to lapse. Because we conclude that NationsBank had no duty to provide accurate flood hazard information to Dollar, and that Dollar did not justifiably rely on NationsBank’s representations, we affirm.
