National Flood Insurance Program Flood Insurance Manual May 2011 Revised October 2011 Revised May 2012 U.S. Department of Homeland Security 500 C Street SW Washington, DC 20472 February 2012 Dear NFIP Flood Insurance Manual Subscriber: Revisions have been made to the NFIP Flood Insurance Manual that will become effective May 1, 2012. All of the changes are shown on the enclosed amended pages, and related footers have been modified to reflect the May 1, 2012, effective date. Significant revisions include the following: • Updated list of the NFIP Bureau and Statistical Agent Regional Offices (REF section). • Clarification on renewals with deductible reduction (GR and RATE sections). • Additional guidance on the RCBAP photograph requirement (CONDO section). • Clarifications on Rating Endorsements, Misrated Policies, and Property Address Corrections (END section). • Updated list of Community Rating System Eligible Communities (CRS section). Thank you for your continued support of the NFIP. Sincerely, Edward L. Connor Deputy Associate Administrator for Federal Insurance Enclosure www.fema.gov Change Record Page Effective Date: May 1, 2012 Updates to the NFIP Flood Insurance Manual are distributed semiannually. Each change is highlighted by a vertical bar in the margin of the page. The effective date of each page is shown in the bottom right corner. Pages bearing the new effective date but no change bar simply indicate that text has shifted from one page to another. Please keep this Change Record Page in your manual for reference. Remove Insert vii–viii vii–viii REF 3–6 REF 3–6 GR 11–12 GR 11–12 RATE 11–12, 21–22, 25–30 RATE 11–12, 21–22, 25–30 CONDO 7–8 CONDO 7–8 LFG 5–8, 17–22, 39–40, 45–46 LFG 5–8, 17–22, 39–40, 45–46 CERT 25 CERT 25 END 1–4 END 1–4B CRS 3–30 CRS 3–31 IND 1–4 IND 1–4 Table of CoNTeNTS (continued) section PAGe MoRTGaGe PoRTfolIo PRoTeCTIoN PRoGRaM (continued) E. Eligibility...........................................................MPPP2 F. SourceofOffering....................................................MPPP2 G. DualInterest........................................................MPPP2 H. TermofPolicy .......................................................MPPP2 I. CoverageOffered.....................................................MPPP3 J. PolicyForm.........................................................MPPP3 K. WaitingPeriod.......................................................MPPP3 L. PremiumPayment....................................................MPPP3 M. Underwriting–Application..............................................MPPP3 N. Rates .............................................................MPPP3 O. PolicyDeclarationsPageNotificationRequirements............................MPPP3 P. PolicyReformation–PolicyCorrection......................................MPPP4 Q. CoverageBasis–ActualCashValueorReplacementCost ......................MPPP4 R. Deductible .........................................................MPPP4 S. FederalPolicyFee....................................................MPPP4 T. Renewability ........................................................MPPP4 U. Cancellations .......................................................MPPP4 V. Endorsement........................................................MPPP4 W. AssignmenttoaThirdParty.............................................MPPP4 X. ArticleXIII–RestrictiononOtherFloodInsurance.............................MPPP4 Y. ParticipatingWYOCompanies ...........................................MPPP5 GeNeRalCHaNGeeNDoRSeMeNT eND1 I. ENDORSEMENTRULES ...................................................END1 A. CoverageEndorsements ...............................................END1 B. RatingEndorsements..................................................END1 C. MisratedPolicy ......................................................END2 D. ConversionofStandard-RatedPolicytoPRPDuetoMisrating ....................END2 E. ChangingDeductibles .................................................END3 F. PropertyAddressCorrections............................................END3 II. ENDORSEMENTPROCESSINGPRIORTOPOLICYRENEWAL(NFIPDIRECTBUSINESSONLY)..END3 A. DuringtheLast90DaysofPolicyYear.....................................END3 B. DuringtheLast75DaysofPolicyYear.....................................END3 C. RefundsGeneratedfromEndorsementProcessing ............................END4 III. PREPARATIONOFFORM...................................................END4 A. GeneralInstructions ..................................................END4 B. RefundProcessingProcedures...........................................END4 IV. ENDORSEMENTRATINGEXAMPLES ..........................................END5 PolICYReNeWalS ReN1 I. GENERALINFORMATION...................................................REN1 II. RENEWALNOTICE .......................................................REN1 A. RenewingfortheSameCoverage–OptionA.................................REN1 B. InflationFactor –OptionB ..............................................REN1 C. NonrenewalandCancellation ...........................................REN1 III. PREMIUMPAYMENTDUE..................................................REN1 IV. FINALNOTICE ..........................................................REN2 vii MAy 1, 2012 Table of CoNTeNTS (continued) section PAGe PolICY ReNeWalS (continued) V. RENEWALEFFECTIVEDATEDETERMINATION .................................... REN2 VI. INSUFFICIENTRENEWALINFORMATION........................................REN2 VII. ENDORSEMENTSDURINGRENEWALCYCLE ....................................REN2 VIII. SEVEREREPETITIVELOSSPROPERTIES .......................................REN2 IX. TRANSFEROFBUSINESSATRENEWAL........................................REN2 CaNCellaTIoN/NUllIfICaTIoN CN1 I. PROCEDURESANDVALIDREASONS..........................................CN1 A. RefundProcessingProcedures...........................................CN1 B. ValidReasonCodesforCancellation/NullificationofNFIPPolicies.................CN1 II. COMPLETINGTHECANCELLATION/NULLIFICATIONREQUESTFORM...................CN7 A. CurrentPolicyNumber.................................................CN7 B. PolicyTerm.........................................................CN7 C. AgentInformation ....................................................CN7 D. InsuredMailingAddress................................................CN7 E. FirstMortgagee......................................................CN7 F. OtherPartiesNotified .................................................CN7 G. PropertyLocation ....................................................CN7 H. CancellationReasonCode..............................................CN7 I. Refund ............................................................CN7 J. Signature ..........................................................CN7 ClaIMS Cl1 I. INSURED’SRESPONSIBILITIES..............................................CL1 A. FilingaClaim........................................................CL1 B. AppealingaClaim ....................................................CL1 II. AGENT’S/PRODUCER’SRESPONSIBILITIES.....................................CL3 III. SINGLEADJUSTERPROGRAMIMPLEMENTATION.................................CL3 A. ScheduleandNotification ..............................................CL3 B. Training............................................................CL4 C. Agent/ProducerResponsibilities..........................................CL4 IV. INCREASEDCOSTOFCOMPLIANCE(ICC)CLAIMS ................................CL4 PolICY Pol1 DWELLINGFORM. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .POL3 GENERALPROPERTYFORM. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .POL25 RESIDENTIALCONDOMINIUMBUILDINGASSOCIATIONPOLICY ..........................POL45 viii MAy 1, 2011 REFERENCE I. INTRODUCTION TO THE NATIONAL FLOOD INSURANCEPROGRAM The National Flood Insurance Program (NFIP) was established by the National Flood Insurance Act of 1968. The Act was in response to Congress finding that: •Flooding disasters required unforeseen disaster relief and placed an increased burden on the nation’s resources. •The installation of flood preventive and protective measures and other public programs designed to reduce losses caused by flood damage had not been sufficient to adequately protect against the growing exposure to flood losses as a matter of national policy. A reasonable method of slowing the risk of flood losses would be through a program of flood insurance that could complement and encourage preventive and protective measures. •Many factors made it uneconomical for private insurance industry carriers to make flood insurance available to those in need of such protection on reasonable terms and conditions. •A program of flood insurance with large-scale participation of the Federal Government and the maximum extent practicable by the private industry was feasible and could be initiated. Congress stated that the purpose in passing the Act was to: •Authorize a flood insurance program that, over time, could be made available across the country through the cooperative effort of the Federal Government and the private insurance industry. •Provide flexibility in the program so that such flood insurance would be based on workable methods of pooling risks, minimizing costs, and distributing burdens equitably among the general public and those who would be protected by flood insurance. •Encourage state and local governments to use wisely the lands under their jurisdiction by considering the hazards of flood when rendering decisions on the future use of such land in order to minimize damage. From 1968 until 1979, the NFIP was administered by the U.S. Department of Housing and Urban Development. When the Federal Emergency Management Agency (FEMA) was established in 1979, administration of the NFIP was transferred to that agency. In March 2003, FEMA became part of the newly created U.S. Department of Homeland Security. The NFIP is a program in which communities formally agree, as evidenced by their adoption of codes and ordinances, to regulate the use of their floodprone lands. In return, FEMA makes flood insurance coverage available on buildings and their contents throughout the community. FEMA has traditionally identified these flood hazard areas on maps that are provided to communities for carrying out their responsibilities. The maps are also used by insurance agents/ producers to determine rates and by lenders to determine purchase requirements. II. THEWRITEYOUROWNPROGRAM The Write Your Own (WYO) Program, begun in 1983, is a cooperative arrangement between FEMA and the private insurance industry. The WYO Program operates within the context of the NFIP and is subject to its rules and regulations. WYO allows participating property and casualty insurance companies to write and service Federal flood insurance in their own names. The companies receive an expense allowance for policies written and claims processed while the Federal Government retains responsibility for underwriting losses. Individual WYO Companies may, to the extent possible, and consistent with Program rules and regulations, match their flood business to their normal business practices for other lines of insurance. Many agents/producers have elected to move or place their flood policies with 1 or more of the WYO Companies they represent. In brief, the agent/producer has these options: •Place all business with 1 or more WYO Companies; •Place business with both the NFIP directly and with 1 or more WYO Companies; or •Place all flood insurance directly with the NFIP (referred to as “NFIP Direct business”). The goals of the Program are to increase the policy base, improve services, and involve the insurance companies. III. TECHNICALASSISTANCE In order to provide the most efficient service to policyholders, follow these procedures when requesting technical assistance in connection with the sale and servicing of Standard Flood Insurance Policies. It is essential that all parties – WYO Companies, the NFIP Bureau and Statistical Agent (NFIP Bureau), the NFIP Servicing Agent, insurance agents/producers, and adjusters – comply. REF1 May 1, 2011 A. WYOCompanies Agents/producers and adjusters servicing flood insurance business through a WYO Company should direct questions and requests for technical assistance to the company itself. If the WYO Company needs technical assistance, it will contact its NFIP Bureau business consultant. If the business consultant, with the assistance of technical experts, cannot provide the needed assistance, the NFIP Bureau will direct the inquiry to FEMA for an answer. B. NFIPServicingAgent(NFIPDirect) Agents/producers and adjusters servicing flood insurance business through the NFIP Servicing Agent IV. CONTACTINFORMATION should contact the NFIP Servicing Agent for answers to technical questions or the resolution of technical problems connected with the NFIP. If the NFIP Servicing Agent cannot provide the needed assistance, it will contact FEMA for an answer. C. SpecialDirectFacility Agents/producers and adjusters servicing flood insurance policies identified as Severe Repetitive Loss (SRL) properties should contact the Special Direct Facility established by the NFIP Servicing Agent for technical assistance. See the Severe Repetitive Loss section of this manual for more information. A. NFIPServicingAgent ContactInformationforNFIPDirectProgramAgents The contact information below is for use only by agents/producers who write with the NFIP Direct Program – the NFIP Servicing Agent. Agents/producers who write with the NFIP WYO Program must submit materials and questions to their respective WYO Companies. CORRESPONDENCE TYPE MAILING ADDRESS TELEPHONE & FAX NUMBERS* •Applications (not Submit-for-Rate) NFIP Servicing Agent P.O. Box 29138 Shawnee Mission, KS 66201-9138 Phone 1-800-638-6620 Fax 1-800-742-3148 •Endorsements •Cancellations NFIP Servicing Agent P.O. Box 2992 Shawnee Mission, KS 66201-1392 Phone 1-800-638-6620 Fax 1-800-742-3148 •Submit-for-Rate Applications (see the Rating section) •Underpayment Letters •Underwriting Inquiries and Issues •All Other Inquiries NFIP Servicing Agent P.O. Box 2965 Shawnee Mission, KS 66201-1365 Phone 1-800-638-6620 Fax 1-800-742-3148 •Severe Repetitive Loss (SRL) Properties NFIP Special Direct Facility P.O. Box 29524 Shawnee Mission, KS 66201-5524 Phone 1-800-638-6620 Fax 1-800-742-3148 •Renewal Notices (with premium payments) •Expiration Notices (with premium payments) National Flood Insurance Program P.O. Box 790348 St. Louis, MO 63179-0348 Phone 1-800-638-6620 Fax 1-800-742-3148 •Notices of Loss •Written Claims Inquiries •All Other Claims Correspondence NFIP Servicing Agent P.O. Box 2966 Shawnee Mission, KS 66201-1366 Phone 1-800-767-4341 Fax 1-800-767-5574 •Overnight Express Deliveries •Certified Mail NFIP Servicing Agent c/o CSC Covansys 13401 W. 98th St. Lenexa, KS 66215 N/A *Telecommunication Device for the Deaf (TDD): 1-800-447-9487 REF2 OctOber 1, 2011 B. NFIPGeneralContactInformationforAllNFIPStakeholders TOPIC MAIL, EMAIL & WEBSITE ADDRESSES TELEPHONE & FAX NUMBERS* Agent Referral Program •Information & Sign-up Form https://agents.floodsmart.gov Phone 1-888-786-7693 CBRS Areas – Map Panel Listing http://www.fema.gov/business/nfip/cbrs/cbrs.shtm N/A Community Status Book (order hardcopy or CD-ROM, or download PDF) FEMA Map Service Center P.O. Box 1038 Jessup, MD 20794-1038 http://www.fema.gov/fema/csb.shtm FEMA Map Information eXchange (FMIX) Phone 1-877-336-2627 (1-877-FEMA-MAP) Fax 1-800-358-9620 FEMA Information Resource Library, Multimedia http://www.fema.gov/library/index.jsp N/A NFIP Flood Insurance Manual (order hardcopy or CD-ROM, or download PDF) FEMA Map Service Center P.O. Box 1038 Jessup, MD 20794-1038 http://www.fema.gov/business/nfip/manual.shtm FEMA Map Information eXchange (FMIX) Phone 1-877-336-2627 (1-877-FEMA-MAP) Fax 1-800-358-9620 Flood Map Information from FEMA Map Specialists on: •Letters of Map Change •Other Technical Issues FEMA Map Information eXchange (FMIX) 847 S. Pickett St. Alexandria, VA 22304 femamapspecialist@riskmapcds.com Phone 1-877-336-2627 (1-877-FEMA-MAP) Flood Maps, Flood Insurance Studies, and Q3 Data (order hardcopy or CD-ROM) FEMA Map Service Center P.O. Box 1038 Jessup, MD 20794-1038 http://msc.fema.gov FEMA Map Information eXchange (FMIX) Phone 1-877-336-2627 (1-877-FEMA-MAP) Fax 1-800-358-9620 Flood Zone Determination Companies, List of http://www.fema.gov/business/nfip/fzone1.shtm N/A General Information for •Agents & Consumers http://www.floodsmart.gov/floodsmart/pages/index.jsp N/A Supply Order Forms (bulk hardcopy orders): •Claims & Underwriting •Public Awareness Materials FEMA Distribution Center P.O. Box 2012 Jessup, MD 20794-2012 Phone 1-800-480-2520 Fax 1-301-362-5335 Training on Flood Insurance http://www.fema.gov/business/nfip/wshops.shtm; http://www.fema.gov/business/nfip/trainagt.shtm N/A Watermark & eWatermark Newsletters http://www.fema.gov/business/nfip/wm.shtm; http://www.nfipiservice.com/watermark/index.html N/A Write Your Own (WYO) Companies, List of http://www.fema.gov/library/viewRecord.do?id=4063 Phone 1-800-480-2520 (Ask for item F-073, “The Choice Is Yours”) Write Your Own (WYO) Companies Writing MPPP, List of http://www.fema.gov/nfipInsurance/search. do?action=Search&state=mppp N/A *Telecommunication Device for the Deaf (TDD): 1-800-447-9487 REF3 OctOber 1, 2011 C. NationalFloodInsuranceProgramBureauandStatisticalAgentRegionalOffices The NFIP Bureau and Statistical Agent operates a network of regional offices within the continental United States. The regional staff may be able to assist with problems and answer questions of a general nature. However, the regional offices do not handle processing, nor do they have policy files at their locations. The latest contact information for both NFIP Bureau and FEMA regional offices is available at http://www.fema. gov/about/contact/regions.shtm. NFIP BUREAU AND STATISTICAL AGENT REGIONAL OFFICES NFIP BUREAU AND STATISTICAL AGENT REGIONAL STAFF SERVICE AREA iService Headquarters Walter McGuckin Entire Country 8400 Corporate Dr., Suite 350 Regional Support Lead Landover, MD 20785 Cell: 301-467-8103 Phone: 301-577-4104 wmcguckin@ostglobal.com Region I P.O. Box 2156 Merrimack, NH 03054 Phone: 603-423-0470 Fax: 603-423-0395 Robert Desaulniers Regional Manager Cell: 713-252-6779 rdesaulniers@ostglobal.com Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, Vermont Region II Walter McGuckin New Jersey, New York, Puerto Rico, P.O. Box 7342 Regional Support Lead Virgin Islands Penndel, PA 19047 Cell: 301-467-8103 Phone: 267-560-5057 wmcguckin@ostglobal.com Fax: 267-560-5057 Region III HC 87 Box 36 Pocono Lake, PA 18347 Phone: 570-643-6582 Fax: 570-643-6582 Tom Kustelski Regional Manager Cell: 816-509-1949 tkustelski@ostglobal.com Delaware, District of Columbia, Maryland, Pennsylvania, Virginia, West Virginia Region IV P.O. Box 1046 Zephyrhills, FL 33539-1046 Phone: 813-788-2624 Fax: 813-788-2710 P.O. Box 10 Buford, GA 30515 Phone: 770-614-0865 Lynne Magel Regional Manager Cell: 813-404-8782 lmagel@ostglobal.com David Clukie Regional Liaison Cell: 813-767-5355 dclukie@ostglobal.com Alabama, Florida, Georgia, Kentucky, Mississippi, North Carolina, South Carolina, Tennessee Alabama, Florida, Georgia, Kentucky, Mississippi, North Carolina, South Carolina, Tennessee Region V Ally Bishop Illinois, Indiana, Michigan, To Be Announced Acting Regional Manager Cell: 202-486-2738 abishop@ostglobal.com Minnesota, Ohio, Wisconsin REF4 May 1, 2012 NFIP BUREAU AND STATISTICAL AGENT REGIONAL OFFICES NFIP BUREAU AND STATISTICAL AGENT REGIONAL STAFF SERVICE AREA Region VI Mark Lujan Arkansas, Louisiana, New Mexico, P.O. Box 1536 Regional Manager Oklahoma, Texas Frisco, TX 75034 Cell: 425-417-3159 Phone: 214-618-1092 mlujan@ostglobal.com Fax: 214-618-1092 P.O. Box 775 Carlton Watts Arkansas, Louisiana, New Mexico, Wewoka, OK 74884 Regional Liaison Oklahoma, Texas Phone: 405-257-9000 Cell: 301-928-3124 Fax: 405-257-9000 cwatts@ostglobal.com Region VII Ally Bishop Iowa, Kansas, Missouri, Nebraska P.O. Box 252 Regional Manager Louisburg, KS 66053 Cell: 202-486-2738 Phone: 913-837-5220 abishop@ostglobal.com Fax: 913-837-5220 Region VIII 7125 W. Jefferson Ave., Suite 400 Lakewood, CO 80235 Phone: 303-299-7873 Fax: 303-293-8585 Erin May Regional Manager Cell: 303-550-3658 emay@ostglobal.com Colorado, Montana, North Dakota, South Dakota, Utah, Wyoming Region IX P.O. Box 492 West Sacramento, CA 95691 Phone: 301-467-7291 Fax: 916-375-0927 Adam Lizarraga Regional Manager Cell: 301-467-7291 alizarraga@ostglobal.com American Samoa, Arizona, California, Guam, Hawaii, Mariana Islands, Marshall Islands, Micronesia, Nevada, Palau Region X 9300 50th Ave. NE Marysville, WA 98270 Phone: 360-658-8188 Fax: 360-658-8188 Kristin Minich Regional Manager Cell: 830-265-7796 kminich@ostglobal.com Alaska, Idaho, Oregon, Washington REF5 May 1, 2012 PAPERWORKBURDENDISCLOSURENOTICE GENERAL – This information is provided pursuant to Public Law 96-511 (Paperwork Reduction Act of 1980, as amended), dated December 11, 1980, to allow the public to participate more fully and meaningfully in the Federal paperwork review process. AUTHORITY– Public Law 96-511, amended; 44 U.S.C. 3507; and 5 CFR 1320 DISCLOSURE OF BURDEN – Public reporting burden for the collection of information titled “National Flood Insurance Program Policy Forms,” is estimated to average 10 minutes per response, excluding the VZone Risk Factor Rating Form. The estimated burden includes the time for reviewing instructions, searching existing data sources, gathering and maintaining the data needed, and completing and reviewing the forms. Reporting burden for these forms, as part of this collection, is listed below. Send comments regarding the burden estimate or any aspect of the collection, including suggestions for reducing the burden, to: U.S. Department of Homeland Security, Federal Emergency Management Agency, 500 C Street, SW, Washington, DC 20472, Paperwork Reduction Project (1660-0006). NOTE: Do not send completed forms to this address. PRIVACYACT– The information requested is necessary to process these forms for flood insurance. The authority to collect the information is Title 42, U.S. Code, Sections 4001 to 4028. Furnishing the information is voluntary. It will not be disclosed outside the Federal Emergency Management Agency except to the servicing office acting as the government’s fiscal agent, to routine users, agents, and mortgagees named on policies. FeMa FOrM NUMber tItLe bUrDeN HOUrS 086-0-1 Application for Flood Insurance (New) 12.00 Minutes 086-0-1 Application for Flood Insurance (Renewal) 7.50 Minutes 086-0-2 Cancellation/Nullification Request 7.50 Minutes 086-0-3 General Change Endorsement (w/ and w/o Premium) 9.00 Minutes 086-0-4 V-Zone Risk Factor Rating 6.50 Hours 086-0-5 Preferred Risk Policy Application 8.00 Minutes REF6 May 1, 2011 home equity loan, or refinancing. The increased amount of flood coverage shall be effective at the time of loan closing, provided that the increased amount of coverage is applied for at or before closing. The rules provided in subsection A. Receipt Date must be used. The insurer may rely on an agent’s/producer’s representation on the endorsement that the loan exception applies unless there is a loss during the first 30 days after the endorsement effective date. In that case, the insurer must obtain documentation of the loan transaction, such as settlement papers, before adjusting the loss. 13. Endorsement – 1-Day Waiting Period (Map Revision) The first increase in coverage requested during the 13-month period beginning on the effective date of a map revision shall be effective 12:01 a.m., local time, the day after the endorsement date and presentment of the additional premium. This rule applies only where the FHBM or FIRM is revised to show the building to be in an SFHA when it had not been in an SFHA. The rules provided in subsection A. Receipt Date must be used. 14. Renewal with Inflation Increase Option The 30-day waiting period does not apply when an additional amount of insurance is requested at renewal time that is no more than the amount of increase recommended by the insurer on the renewal bill to keep pace with inflation. If a revised renewal offer results from an endorsement that increases coverage more than the previously offered inflation increase option and becomes effective at least 30 days before renewal, the revised limits will apply at policy renewal. The revised renewal offer must be generated at least 30 days before the policy renewal in order for these revised limits to take effect at renewal. In either situation, the increased amount of coverage will be effective at 12:01 a.m. on the date of policy renewal provided the premium for the increased coverage is received before the expiration of the grace period. 15. Renewal with Higher PRP Limits The 30-day waiting period does not apply to a renewal offer to the insured for the next-higher limits available under the PRP. 16. Renewal with Deductible Reduction The deductible amount may be reduced at the time of renewal. In order for the deductible reduction to take effect on the renewal date, the request and full premium must be received at least 30 days prior to the renewal effective date, except when the deductible reduction is part of the renewal offer and the renewal offer reflecting the deductible reduction was made at least 30 days prior to the renewal date. IX. COVERAGE A. Limits ofCoverage Coverage may be purchased subject to the limits available under the Program phase in which the community is participating. Duplicate policies are not allowed. See the Rating section of this manual for additional information regarding coverage limits. B. Deductibles Deductibles apply separately to building coverage and to contents coverage. See the Rating section of this manual for deductible options and factors. C. Coverage D – Increased Cost of Compliance (ICC)Coverage The ICC limit of liability is $30,000. The SFIP pays for complying with a state or local floodplain management law or ordinance affecting repair or reconstruction of a structure suffering flood damage. Compliance activities eligible for payment are: elevation, floodproofing, relocation, or demolition (or any combination of these activities) of the insured structure. Eligible floodproofing activities are limited to non-residential structures and residential structures with basements that satisfy FEMA’s standards published in the Code of Federal Regulations [44 CFR 60.6 (b) or (c)]. ICC coverage is mandatory for all SFIPs, except that coverage is not available for: 1. Policies issued or renewed in the Emergency Program. 2. Condominium units, including townhouse/ rowhouse condominium units. (The condominium association is responsible for complying with mitigation requirements.) 3. Group Flood Insurance Policies. 4. Appurtenant structures, unless covered by a separate policy. ICC coverage contains exclusions in addition to those highlighted here. See the policy for a list of exclusions. To be eligible for claim payment under ICC, a structure must: •Be a repetitive loss structure as defined, for which the NFIP paid a previous qualifying claim, in addition to the current claim. The state or community must have a cumulative, substantial damage provision or GR11 May 1, 2012 repetitive loss provision in its floodplain management law or ordinance being enforced against the structure; or •Be a structure that has sustained substantial flood damage. The state or community must have a substantial damage provision in its floodplain management law or ordinance being enforced against the structure. The ICC Premium is not eligible for the deductible discount. First calculate the deductible discount, then add in the ICC Premium for each policy year. D. ReductionofCoverageLimitsorReformation In the event that the premium payment received is not sufficient to purchase the amounts of insurance requested, the policy shall be deemed to provide only such insurance as can be purchased for the entire term of the policy for the amount of premium received. With 2 exceptions, where insufficient premium or incomplete rating information is discovered after a loss, the complete provisions for reduction of coverage limits or reformation are described in: •Dwelling Form, section VII, paragraph G. •General Property Form, section VII, paragraph G. •Residential Condominium Building Association Policy (RCBAP), section VIII, paragraph G. The property must be insured using the correct SFIP form in order for these 2 exceptions to apply. The 2 exceptions are following and apply only when after a loss it is discovered that the premium is insufficient to provide the coverage requested, or there is critical rating information missing that is necessary to properly rate the policy: 1. Any additional premium due will be calculated prospectively from the date of discovery; and 2. The automatic reduction in policy limits is effective the date of discovery. This will provide policyholders with the originally requested limits at the time of a claim arising before the date of discovery without paying any additional premium. Policyholders will then have 30 days to pay the additional premium that is due for the remainder of the policy term, to restore the originally requested limits without a waiting period. If additional information is needed, policyholders will have 60 days to obtain the additional information, and then 30 days to pay the additional premium due for the remainder of the term, to restore the originally requested limits without a waiting period. In addition, payment of the claim will not be delayed because of additional information needed to calculate the correct payment. If a claim occurs after the notice requesting additional information or additional premium due is sent to the policyholder, that claim cannot be processed with the originally requested amount of coverage limits until the information, if required, and the premium are received by the company within the required time. However, all claim payments will be based on the coverage limitations provided in accordance with the correct flood zone for the building location and not on the zone shown on the flood policy if it is in error. For example, if a policy for a Post-FIRM, elevated building is written incorrectly in a non-SFHA (e.g., Zone X), and at the time of the loss the property is determined to be located in an SFHA (e.g., Zone AE), then the claim is paid in accordance with the coverage limitations applicable to the SFHA. NOTE: When coverage is issued using an incorrect SFIP form, the policy is void and the coverage must be written under the correct form. The provisions of the correct SFIP form apply. The coverage limits must be reformed according to the provisions of the correct SFIP form and cannot exceed the coverage limits originally issued under the incorrect policy. E. LossAssessments The Dwelling Form provides limited coverage for loss assessments against condominium unit owners for flood damage to common areas of any building owned by the condominium association. The RCBAP and General Property Forms do not provide assessment coverage. The Dwelling Form provides assessment coverage only under the circumstances, and to the extents, described below. 1. No RCBAP a. If the unit owner purchases building coverage under the Dwelling Form and there is no RCBAP, the Dwelling Form responds to a loss assessment against the unit owner for damages to common areas, up to the building coverage limit under the Dwelling Form. b. If there is damage to building elements of the unit as well, the building coverage limit under the Dwelling Form may not be exceeded by the combined settlement of unit building damages, which would apply first, and the loss assessment. 2. RCBAP Insured to at Least 80% of the Building Replacement Cost GR12 OctOber 1, 2011 AppLICATION I. USEOFTHEFORM The National Flood Insurance Program (NFIP) Flood Insurance Application form, or a similar form for Write Your Own (WYO) Companies, must be used for all flood insurance policies except the Preferred Risk Policy (PRP). For a Scheduled Building Policy, an Application must be completed for each building and/or contents for which coverage is requested. See the Scheduled Building Policy subsection in this section. This section includes important guidance to carry out the regulatory intent and instructions for the rating of different building types. The flood insurance rate to be applied to a building insured under the NFIP is determined by establishing the following: •Whether the building is Post-FIRM construction or Pre-FIRM construction. •The building description with regard to: º Building occupancy; º Building type; º Basement type; º Elevated building type. •The flood risk zone. •The elevation of the building. II. COMpLETING pART 1 OF THE FLOOD INSURANCEAppLICATIONFORM The following are instructions for completing Part 1 of the Flood Insurance Application form. A. policyStatus Check the appropriate box to indicate if the Application is for a NEW policy or RENEWAL of an existing policy. If the Application is for a renewal, enter the current 10-digit policy number. Enter the policy effective date and policy expiration date (month/day/year).Checktheboxfortheapplicablewaiting period. The effective date of the policy is determined by adding the appropriate waiting period, if applicable, to the date of application listed in the “Signature” section. The standard waiting period is 30 days. NOTE: Refer to the Effective Date subsection of the General Rules section in this manual for exceptions to the standard waiting period. C. AgentInformation Enter the agent’s/producer’s name, agency name and number, street address, city, state, ZIP Code, phone number, and fax number. Enter the agent’s/ producer’s Tax I.D. Number. D. InsuredMailingAddress Enter the name, mailing address, city, state, ZIP Code, and telephone number of the insured. If the insured’s mailing address is a post office box or a rural route number, or if the address of the property to be insured is different from the mailing address, the “Property Location” section of the Application must be completed. If there is more than 1 building at the property location, see “F. Property Location” for B. policyTerm further instructions. E. DisasterAssistance Check the appropriate box to indicate who should receive the renewal bill. If BILL FIRST MORTGAGEE Check YES if flood insurance is being required for is checked, complete “Mortgagee” section. If BILL disaster assistance. Identify the Government (disaster) SECOND MORTGAGEE, BILL LOSS PAYEE, or BILL agency and enter the insured’s case file number. OTHER is checked, complete the “Second Mortgagee/ Other” section. If NO is checked, no further information is required. App1 May 1, 2011 F. propertyLocation Check YES if the location of the property being insured is the same as the insured’s mailing address entered in the “Insured Mailing Address” section. Leave the rest of the section blank unless there is more than 1 building at the property location. If NO is checked, provide the address or location of the property to be insured. If the insured’s mailing address is a post office box or rural route number, give the street address, legal description, or geographic location of the property. If more than 1 building is at the location of the insured property, use the “Property Location” section to specifically identify the building. An example would be where 5 buildings with the same mailing address and location are insured with separate policies. Describe briefly the building (barn, silo, etc.) in this section or submit a sketch showing the location of the insured building to assist the NFIP in matching the policy number to the specific building insured. A clear description of the insured’s property is important. G. Mortgagee Enter the name, mailing address, city, state, ZIP Code, telephone number, and fax number of the first mortgagee. Enter the loan number. If any of this information is not available at the time of application, add it to the policy by submitting a change request. For condominium association applications, do not enter the mortgagees for the individual condominium unit owners. H. SecondMortgagee/Other Identify the second mortgagee or the loss payee by checking the appropriate box and entering the loan number and the mortgagee’s name, mailing address, telephone number, and fax number. For condominium association applications, do not enter the mortgagees for the individual condominium unit owners. If more than 1 additional mortgagee or disaster assistance agency exists, provide the requested information on the insurance agency’s letterhead and attach the letterhead to the Application form. I. Community Enter the Flood Insurance Rate Map (FIRM) information that will be used for rating. Use the current map information, unless the grandfathering rule applies. Enter name of the county or parish where the property is located. (Not all communities that have been assigned NFIP community numbers are participating in the NFIP. Policies may not be written in nonparticipating communities.) Enter the community identification number, map panel number, and revision suffix of the map that will be used for rating for the community where the building is located. When there is only 1 panel (i.e., a flat map), the community number will consist of only 6 digits. Use the FIRM in effect and that has been published at the time of presentment of premium and completion of the Application. NOTE: The postal address of the insured building may not reflect the community where the property is located. Therefore, do not rely on the postal address when determining community status and identification. In addition, because of possible changes in the FIRM, do not rely on information from a prior policy as accurately reflecting the current FIRM information. The current community number may also be obtained from a flood zone determination or by checking the NFIP Community Status Book online (http://www. fema.gov/fema/csb.shtm) or contacting the insurer or a local community official. Enter the FIRM zone in the space provided. If the program type is Emergency, leave this area blank. If the community program type is Regular and the building is Pre-FIRM construction, enter the FIRM zone, if known; otherwise, enter UNKNOWN and follow the Alternative Rating procedure explained in the Rating section of this manual. UNKNOWN cannot be used for manufactured homes or other buildings located in a community having flood zones V or V1–V30 (VE). App2 May 1, 2011 Check if the community is in the Regular Program or the Emergency Program. NOTE: If the community contains a Coastal Barrier Resources System (CBRS) or Otherwise Protected Area (OPA), see the CBRS section in this manual for additional information. Check YES if the grandfathering rule is being applied, and complete this section; otherwise, check NO. If YES: •Check whether the building is eligible for grandfathering under the built-in-compliance or the continuous-coverage provision. •Enter the prior policy number if grandfathering under continuous coverage. •Enter the current community identification number, map panel number, suffix, FIRM zone, and, if applicable, the BFE. Do not use this map information for rating. Check YES if the building is owned by a state government; otherwise, check NO. Check YES if the building is located on Federal land; otherwise, check NO. NOTE: If the property is federally leased, refer to the Leased Federal Property section for guidance. J. Building Complete all required information in this section. •building Occupancy Check the type of occupancy for the building (i.e., SINGLE FAMILY, 2–4 FAMILY, OTHER RESIDENTIAL, or NON-RESIDENTIAL). º Single Family – This is a residential single-family building, or a single-family dwelling unit in a condominium building; incidental occupancies are permitted if limited to less than 50% of the building’s total floor area. NOTE: Incidental occupancies are offices, private schools, studios, or small service operations within a residential building. º 2–4 Family – This is a residential building that contains 2–4 units. This category includes apartment buildings and condominium buildings. Incidental occupancies (see note above) are permitted if the total area of such occupancies is limited to less than 25% of the total floor area within the building. This excludes hotels and motels with normal room rentals for less than 6 months. º Other Residential – This is a residential building that contains more than 4 apartments/units. This category includes condominium and apartment buildings as well as hotels, motels, tourist homes, and rooming houses where the normal occupancy of a guest is 6 months or more. These buildings are permitted incidental occupancies (see note above). The total area of incidental occupancy is limited to less than 25% of the total floor area within the building. Examples of other residential buildings include dormitories and assisted-living facilities. º Non-Residential (including hotel/motel) – This is a commercial or non-habitational building, or a mixed- use building that does not qualify as a residential building. This category includes, but is not limited to, small businesses, churches, schools, farm buildings (including grain bins and silos), garages, poolhouses, clubhouses, recreational buildings, mercantile buildings, agricultural buildings, industrial buildings, warehouses, nursing homes, licensed bed-and-breakfasts, and hotels and motels with normal room rentals for less than 6 months. •basement/enclosure/crawlspace/Subgrade crawlspace Check whether the building contains: º Basement – Any area of the building, including any sunken room or sunken portion of a room, having its floor below ground level (subgrade) on all sides. º Enclosure – That portion of an elevated building below the lowest elevated floor that is either partially or fully shut in by rigid walls. A garage below or attached to an elevated building is considered an enclosure. NOTE: A finished (habitable) area is an enclosed area that has more than 20 linear feet of finished interior walls (paneling, etc.). App3 OctOber 1, 2011 An unfinished area is an enclosed area that is used only for the parking of vehicles, building access, or storage purposes and that does not meet the definition of a finished (habitable) area. º Crawlspace – In an elevated building, an under- floor space that has its interior floor area (finished or not) no more than 5 feet below the top of the next-higher floor. º Subgrade Crawlspace – A crawlspace foundation where the subgrade under-floor area is no more than 5 feet below the top of the next-higher floor and no more than 2 feet below the lowest adjacent grade on all sides. (A building with a subgrade crawlspace is not an elevated building.) Select NONE if the enclosure or crawlspace is not the lowest floor for rating. In all zones with the exception of zones V, VE, and V1–V30, this means that the enclosure has proper openings, is unfinished, and is used only for building access, parking, or storage. Select NONE for a Post-FIRM V-Zone building constructed before October 1, 1981, if the enclosure is less than 300 square feet with breakaway walls and no machinery or equipment, is unfinished, and is used only for building access, parking, or storage. Select NONE if coverage is for an individual unit in a high-rise condominium building that is elevated with an enclosure. NOTE: If NONE is selected, use the without basement/enclosure/crawlspace/subgrade crawlspace rates. •Number of Floors or building type Indicate the number of floors in the entire building, including the basement/enclosed area if applicable, in the appropriate space. If the building’s enclosure or crawlspace is eligible for exclusion from rating, do not count the enclosed area as a floor. See the explanation under “Basement/Enclosure/Crawlspace/Subgrade Crawlspace” for eligibility of exclusion from rating. º 1 Floor – excludes unfinished attic; º 2 Floors – includes basement, enclosure, crawlspace, and subgrade crawlspace; º 3 or More Floors – includes basement, enclosure, crawlspace, and subgrade crawlspace; º Split Level – A foundation with a vertical offset in the floor framing on either side of a common wall; º Townhouses/Rowhouses (RCBAP low-rise only) – A row of homes sharing at least 1 common wall; º Manufactured (Mobile) Home or Travel Trailer – Must be built on a permanent chassis and affixed to a permanent foundation, regardless of size. A serial number must be provided in Part 2 of the Application. •Number of Occupancies (Units) For other than single-family dwellings, indicate the number of units in the building. •condominium Information º Form of Ownership Check YES if the building is under a condominium form of ownership; otherwise, check NO. (A homeowners association [HOA] may or may not be in a condominium form of ownership.) Refer to the Condominiums section for rating guidelines. º Condominium Coverage If condominium coverage is being purchased, indicate whether the coverage is for a condominium unit or the entire condominium building. º Residential Condominium Building Association Policy (RCBAP) For an RCBAP, enter the total number of units (including non-residential) within the building and indicate whether the building is a high-rise or low-rise. The RCBAP covers only a residential condominium building in a Regular Program community. – High-Rise Building – A condominium building having 5 or more units and at least 3 floors excluding enclosures. – Low-Rise Building – A condominium building having fewer than 5 units regardless of the number of floors, or 5 or more units with fewer than 3 floors including a basement. App4 OctOber 1, 2011 •estimated replacement cost Using normal company practice, estimate the Replacement Cost Value (RCV) and enter the value in the space provided. Include the cost of the building foundation when determining the RCV. •Insured’s Principal residence Check YES if the building is the policyholder’s principal residence; otherwise, check NO. •building in the course of construction Check YES if the building is in the course of construction (if the building is not yet walled and roofed); otherwise, check NO. •building Walled and roofed Check YES if the building has at least 2 outside rigid walls and a fully secured roof; otherwise, check NO. •building Over Water Check NO if the building is not located over water. Check PARTIALLY if any part of the building is over water. Check ENTIRELY if the building is completely over water. In tidal areas, use the mean high tide in determining whether the building is partially or entirely over water. For Post-FIRM buildings located completely over water, use the Submit-for-Rate procedures in the Rating section of this manual. •elevated building Check YES if the building is an elevated building; otherwise, check NO. An elevated building is a building that has no basement and that has its lowest elevated floor raised above ground level by foundation walls, shear walls, posts, piers, pilings, or columns. If the building is elevated, indicate in the next box whether the area below the lowest elevated floor is free of obstruction or with obstruction. An obstruction is a partially or fully enclosed area, or machinery and equipment, below the lowest elevated floor of the building. •building Use Check the box that indicates the insured building’s use. If OTHER, describe the building use. •Manufactured (Mobile) Homes and Travel Trailers For all manufactured (mobile) homes and travel trailers, complete Part 2 on the back of the Flood Insurance Application after you have completed Part 1. K. Contents Check the box that describes the location of the contents to be insured. Check YES if personal property is household contents; otherwise, check NO and describe. L. ConstructionData 1. Construction Date Check 1 of the 5 boxes in the first part of this section. Enter the appropriate date in the Date box. •building Permit Date Select this box if construction began within 180 days of the building permit date and enter the building permit date. •Date of construction Select this box if construction began more than 180 days after the building permit date and enter the date of the start of construction. App5 May 1, 2011 •Substantial Improvement Date Select this box if the building has been substantially improved or damaged. If the building has been substantially improved, enter the date that substantial improvement started or the building permit date. If the building has been substantially damaged, enter the date that substantial damage occurred. Substantial improvement is any reconstruction, rehabilitation, addition, or other improvement of a building, the cost of which equals or exceeds 50% of the market value of the building before the start of construction of the improvement. Substantial damage is damage of any origin sustained by a building whereby the cost of restoring the building to its before-damaged condition would equal or exceed 50% of the market value of the building before the damage occurred. Do not select this box for substantial improvement to a Pre-FIRM building where the improvement is an addition next to and in contact with the existing building and the lowest floor elevation of the addition is at or above the BFE. Select the Building Permit Date box or the Date of Construction box as applicable and enter the appropriate date. Do not select this box if the building qualifies as a historic building; see the Definitions section in this manual for more information. •Manufactured (Mobile) Homes/travel trailers Located in a Mobile Home Park or Subdivision Select this box if the manufactured (mobile) home or travel trailer is located inside a mobile home park or subdivision, and enter the construction date of the mobile home park or subdivision facilities. •Manufactured (Mobile) Homes/travel trailers Located Outside a Mobile Home Park or Subdivision Select this box if the manufactured (mobile) home or travel trailer is located outside a mobile home park or subdivision, and enter the date of permanent placement. 2. Post-FIRM Construction Check YES if the building was constructed or substantially improved after December 31, 1974, or on or after the effective date of the initial FIRM for the community, whichever is later; otherwise, check NO. 3. Elevation Information Enter the elevation information from the Elevation Certificate (EC) for Post-FIRM construction in zones A, A1–A30, AE, AO, AH, V, V1–V30, or VE or for Pre-FIRM construction that is elevation rated. Attach the EC and dated photographs taken within 90 days of the date of application. NOTE: Post-FIRM buildings constructed in a non- SFHA and remapped to an SFHA are eligible for grandfathering. The insured has the option of obtaining an EC or continuing with the non-SFHA rates without an EC. When the building is in the course of construction, the elevation information provided by the surveyor on the EC must be based on the proposed architectural plans. In communities that participate in the NFIP’s Community Rating System (CRS), building elevation information may be available from the community office in charge of building permits or floodplain management. •building Diagram Number Enter the building diagram number from the EC. Applications for buildings rated using the Floodproofing Certificate do not require a diagram number. •Lowest adjacent Grade Enter the Lowest Adjacent Grade from the EC. The Lowest Adjacent Grade is not required for buildings located in AO Zones and buildings in Unnumbered A Zones and Unnumbered V Zones without a BFE. Applications for buildings rated using the Floodproofing Certificate do not require a Lowest Adjacent Grade. •elevation certification Date Enter the date the EC was signed. •Lowest Floor elevation Enter the Lowest Floor Elevation from the EC. To determine the lowest floor for rating, see the Lowest Floor Guide section in this manual. When entering elevation data, drop hundredths of a foot and show only tenths of a foot. For example, if the Lowest Floor Elevation is 10.49’, enter 10.4’; do not round up to 10.5’. •base Flood elevation Enter the Base Flood Elevation from the EC. Base Flood Elevations for Unnumbered A Zones must be provided by the community or established using the Flood Insurance Study (FIS) Profile. When App6 OctOber 1, 2011 other sources are used, the community must agree in writing with the established BFE. Base Flood Elevations for V Zones on FIRMs dated before January 1, 1981, may require a wave height adjustment. See the FIRMs With Wave Heights subsection in the Rating section for details. •elevation Difference Enter the Elevation Difference. To determine the Elevation Difference, subtract the Base Flood Elevation from the Lowest Floor Elevation. For example, if the Lowest Floor Elevation is 10.5’ and the Base Flood Elevation is 9.0’, then the Elevation Difference is +1.5’ (10.5’ - 9.0’ = 1.5’), which is rounded to the nearest foot, which is +2’. •In Zones V1–V30 Only, Does base Flood elevation Include effects of Wave action? Check YES if the Base Flood Elevation includes the effects of wave action; otherwise, select NO. See the FIRMs With Wave Heights subsection in the Rating section of this manual for details. •Is building Floodproofed? Check YES if the building is floodproofed; otherwise, check NO. To receive credit for floodproofing, the completed Floodproofing Certificate must be submitted. NOTE:Buildings in V Zones on the current FIRM are not eligible for the floodproofing credit. The residential floodproofing rating credit may be grandfathered for those residential buildings with a valid Residential Basement Floodproofing Certificate that were constructed between the effective date of the community’s floodproofing eligibility and their rescission date, but not on or after the rescission date. (See the Special Certifications section in this manual for a list of communities approved for residential basement floodproofing.) M. CoverageandRating •Deductible and Deductible buyback Enter the deductible amount for building and/or contents. (See information on deductibles in the Rating and Condominiums sections in this manual.) Check YES to indicate if the applicant is “buying back” a deductible; otherwise, check NO. (Refer to the Rating section in this manual for information on the deductible buyback.) •coverage Enter the desired coverage limits. For information on coverage limits available, see the “Amount of Insurance Available” table in the Rating section. •rating Enter the rates. Add additional charges/credits, i.e., deductible reduction/increase, ICC Premium, CRS Premium Discount, Probation Surcharge (if any), and Federal Policy Fee. Calculate the Total Prepaid Amount. For the CRS discounts, see the Community Rating System Eligible Communities list in the Community Rating System section. For rating examples, see the end of the Rating section. •rate type Check the applicable rate type: º Manual – Used to rate a policy using the rate tables provided in the NFIP Flood Insurance Manual. º Alternative – Used when a building is Pre-FIRM, the FIRM zone is unknown, and the community in which the building is located has no V Zones. º Provisional Rating – Used for placing flood coverage prior to the receipt of an EC. It is expected that an EC will be secured and standard rating completed within 60 days of the Policy Effective Date. º Mortgage Portfolio Protection Program (MPPP) – Used by lending institutions to maintain compliance with the Flood Disaster Protection Act of 1973, as amended. Policies written under the MPPP can be placed only through a WYO Company. º Submit for Rating – Used to rate a building for which no risk rate is published in the NFIP Flood Insurance Manual. º V-Zone Risk Factor Rating Form – Used when a rating credit is granted based on the design, placement, and/or construction information provided on the V-Zone Risk Factor Rating Form. º Leased Federal Property – Used when applying for coverage for buildings leased from the Federal Government that the Administrator determines are located on the river-facing side of any dike, App7 May 1, 2011 levee, or other riverine flood-control structure, or seaward of any seawall or other coastal flood- control structure. (For more information, refer to the Leased Federal Property section.) •Payment Option Check CREDIT CARD if paying by VISA, MasterCard, Discover, or American Express. Otherwise, check OTHER and describe the payment method. Payment must be for the Total Prepaid Amount, payable to the insurer, and accompany the Application. For credit card payments, a disclaimer form, signed by the insured, must be submitted with the Flood Insurance Application. The disclaimer will state that cancellation of a policy due to a billing dispute will be permitted only for a billing error or fraud. If the credit card information is taken over the telephone by the agent/producer, he or she may sign the authorization form on behalf of the payor only after having read the disclaimer to the payor. N. Signature The agent/producer must sign and date the Application and is responsible for the completeness and accuracy of the information provided on it. NOTE:The waiting period, if applicable, is added to this date to determine the policy effective date entered in the Policy Term section of the Application. Electronic transactions are permitted if the business process includes authentication of signatures and dates of receipt of premium. WYO Companies are responsible for determining the business practices and transaction authentication methods they will use to ensure the security and integrity of such transactions. III. COMpLETING pART 2 OF THE FLOOD INSURANCEAppLICATIONFORM After completing Part 1 of the Flood Insurance Application, the agent/producer must complete all relevant items in Part 2 for all buildings. A. SectionI–AllBuildingTypes 1. Enter the Building Diagram number that best describes the building, as provided on the EC. If an EC is not provided, select and enter the appropriate Building Diagram number from the EC instructions located in the Special Certifications section. 2.–4. Enter the requested information, if applicable. All measurements are rounded to the nearest foot using the ground (grade) immediately next to the building. 5.Check the applicable boxes for items 5a and 5b. If OTHER is checked in item 5b, provide a brief description of the source. 6.If the answer to 6a is YES, select the applicable answer to 6b; otherwise, disregard 6b. If the answer to 6b is YES, check the applicable items. App8 May 1, 2011 In 10b, enter the square footage of the total enclosed area below the elevated floor. 7. If the answer to 7a is YES, complete 7b through 7f. If the answer to 7a is NO, disregard 7b through 7f. B. Section II –ElevatedBuildings This section is required for all elevated buildings, including manufactured (mobile) homes/travel trailers. 8. Check the type of elevating foundation used for the building. NOTE: “Solid perimeter walls” means foundation walls as shown in Building Diagram numbers 7 and 8. 9. If the area below the elevated floor contains machinery or equipment, check YES and check the applicable items; otherwise, check NO. 10. If the answer to 10a is YES, complete 10b through 10f. If the answer to 10a is NO, disregard 10b through 10f. If answer to 10c is YES, check the applicable box; otherwise, check NO. For Post-FIRM buildings in V Zones, elevated on solid foundation walls, submit the Application to the insurer for rating. NOTE: In V Zones, if the area below the elevated floor appears to be enclosed using masonry walls in the submitted photographs and these walls are represented as being breakaway walls on the Application, provide certification of breakaway walls signed by a local building official, an engineer, or an architect. Check YES in 10d if the area is constructed with a minimum of 2 openings (excluding doors); otherwise, check NO. The openings must be positioned on at least 2 walls and have a total net area of not less than 1 square inch for every square foot of enclosed area. If the enclosure is partially subgrade, a minimum of 2 openings must be provided, with positioning on a single wall adjacent to the lowest grade next to the building. The bottom of all openings must be no higher than 1 foot above the higher of the exterior or interior adjacent grade or floor immediately below the openings. Enter the number of openings and the total area of all openings in square inches. May 1, 2011 App9 Check YES in 10e if the enclosed area/crawlspace is used for any purpose other than solely for parking of vehicles, building access, or storage, and provide a description; otherwise, check NO. Check YES in 10f if the enclosed area/garage has more than 20 linear feet of interior finished wall, paneling, etc.; otherwise, check NO. C. Section III – Manufactured (Mobile) Homes/ TravelTrailers 11. Enter the make, year of manufacture, model number, and serial number. 12. Enter the dimensions, excluding any permanent addition or extension to the manufactured (mobile) home or travel trailer. 13. Check YES if permanent additions or extensions are present; otherwise, check NO. If YES, enter dimensions. 14. Check the box describing the anchoring system. If OTHER is checked, describe the anchoring system. 15. Check the box describing how the manufactured (mobile) home was installed. 16. Check YES if the manufactured (mobile) home is located in a manufactured (mobile) home park or subdivision; otherwise, check NO. IV. SCHEDULEDBUILDINGpOLICY The Scheduled Building Policy is available to cover 2 to 10 buildings. The policy requires a specific amount of insurance to be designated for each building. To qualify, all buildings must have the same ownership and the same location. The properties on which the buildings are located must be contiguous. Complete a separate Application for each building and/or contents for which coverage is requested. Write “Building #1”, “Building #2”, etc., in the upper right corner of each Application. Staple the applications together as a single unit. All Flood Insurance Application forms must be completed in accordance with all NFIP Flood Insurance Manual rules and the Scheduled Building Policy qualifications above. For each scheduled building (building and/or contents coverage), the Federal Policy Fee is $40 per building. V. MAILINGINSTRUCTIONS Upon completion of all sections of the Application, attach all required certifications and other documents to the Application, along with a check, draft, or money order made payable to the insurer for the Total Prepaid Amount. If paying by VISA, MasterCard, Discover, or American Express, submit a disclaimer form, signed by the insured, with the Flood Insurance Application. The disclaimer will state that cancellation of a policy due to a billing dispute will be permitted only for a billing error or fraud. If the credit card information is taken over the telephone by the agent/producer, he or she may sign the authorization form on behalf of the payor only after having read the disclaimer to the payor. Mail the original copy of the completed Application packet as described above with the Total Prepaid Amount to the insurer. Retain a copy of the Application and supporting documents for the agency file and distribute copies of the Application to the applicant and the mortgagee. A copy of the Application and a copy of the premium payment are sufficient to satisfy the mortgagee’s proof-of-purchase requirements. After receipt of the Application and Total Prepaid Amount, the insurer will process the Application and issue the App10 May 1, 2011 policy. The policy contract and declarations page will be mailed to the insured. Copies of the declarations page will be mailed to the agent/producer and mortgagee(s). VI. HANDLING OF INCOMpLETE OR INCORRECT AppLICATIONS If an Application is not complete, or if the information presented on it is not correct, a policy will not be issued. The Application may be placed in a pending file until the agent/producer provides the complete or correct information. For NFIP Direct business, if necessary information is not provided, a policy may be issued using Tentative Rates. If sufficient information is not available to tentatively rate the policy, the Application may be rejected and the premium refunded. In the case of an incomplete Application, the NFIP Servicing Agent will send the agent/producer a letter requesting the necessary information. Copies of this letter will be provided to the named insured and mortgagee(s). The agent/ producer should provide the necessary information to the NFIP Servicing Agent. If the necessary information is not provided, the Application will be rejected and the premium refunded. If the premium received is not enough to buy the kind and amount of coverage requested, the policy will be issued for only the kind and amount of coverage that can be purchased for the premium payment received. Therefore, it is important that underpayment errors be corrected immediately. In the case of an underpayment, when both building coverage and contents coverage have been requested, the coverage reductionwill beproratedbetween building and contents in accordance with NFIP rules. The ratio of building to contents coverage for the full requested coverage will be used to determine the portion of the submitted premium available to purchase building and contents coverage. App11 May 1, 2011 this page is intentionally left blank. App12 May 1, 2011 App13 May 1, 2011 App14 May 1, 2011 App15 May 1, 2011 TABLE6.TENTATIVERATESTABLE1 RATES PER $100 OF COVERAGE (Basic/Additional) FIRM Zones A, Ae, A1–A30, Ao, AH RATes BUILDInG TYPe BUILDInG ConTenTs Non-Elevated, No Basement Basic Limits Additional Limits Basic Limits Additional Limits 1–4 Family 4.00 3.00 6.00 4.00 Other Residential 6.00 4.00 6.00 4.00 Non-Residential 6.00 4.00 8.00 8.00 Non-Elevated with Basement/ Elevated Building2 Basic Limits Additional Limits Basic Limits Additional Limits 1–4 Family 2.00 2.00 2.00 2.00 Other Residential 3.00 3.00 2.00 2.00 Non-Residential 3.00 3.00 3.00 3.00 FIRM Zones V, V1–V30, Ve RATes BUILDInG TYPe BUILDInG ConTenTs Non-Elevated, No Basement Basic Limits Additional Limits Basic Limits Additional Limits 1–4 Family 8.00 8.00 11.00 11.00 Other Residential 11.00 11.00 11.00 11.00 Non-Residential 11.00 11.00 11.00 11.00 Non-Elevated with Basement/ Elevated Building2 Basic Limits Additional Limits Basic Limits Additional Limits 1–4 Family 5.00 5.00 5.00 5.00 Other Residential 7.00 7.00 5.00 5.00 Non-Residential 7.00 7.00 7.00 7.00 1 Use of this table is subject to the provisions found in the Tentative Rates subsection in this section. 2 The basement/elevated building rates should be used only if the submitted information indicates that the risk is constructed as an elevated building or has a basement as defined by the NFIP. RATE11 OctOber 1, 2011 TABLE7.FEDERALPOLICYFEEANDPROBATIONSURCHARGETABLE FeDeRAL PoLICY Fee1 PRoBATIon sURCHARGe $40 $50 1 For the Preferred Risk Policy, the Federal Policy Fee is $20. III. DEDUCTIBLES As shown in Table 8A below, the NFIP standard deductible is either $1,000 or $2,000. An optional deductible amount may be applied to policies insuring properties in either Emergency Program or Regular Program communities. See Table 8B for deductible options. Refer to the Condominiums section for the RCBAP optional deductibles. A. DeductibleBuyback Policyholders who wish to reduce their deductibles from the standard deductibles of $2,000 for Pre-FIRM SFHA risks may opt to purchase separate $1,000 deductibles for building and contents coverages, for an additional premium. The deductible factors provided in Table 8B must be used to calculate the deductible surcharge. For an RCBAP, use the RCBAP Deductible Factors table in the Condominiums section. B. ChangesinDeductibleAmount The amount of the deductible may be increased during the policy term by submitting a completed General Change Endorsement form. Deductibles cannot be reduced mid-term unless required by the mortgagee and written authorization is provided by the mortgagee. A 30-day waiting period will be applied to reduce the deductible, unless the request is in connection with making, increasing, extending, or renewing a loan. The deductible amount may be reduced at the time of renewal. In order for the deductible reduction to take effect on the renewal date, the request and full premium must be received at least 30 days prior to the renewal effective date, except when the deductible reduction is part of the renewal offer and the renewal offer reflecting the deductible reduction was made at least 30 days prior to the renewal date. TABLE8A.STANDARDDEDUCTIBLES EMERGENCY PROGRAM ReGULAR PRoGRAM Flood Zone Pre-FIRM Pre-FIRM with Optional Post-FIRM Elevation Rating Post-FIRM $2,000 B, C, X, A99, D $1,000 $1,000 A, AO, AH, A1–A30, AE, V1–V30, VE, V, AR, AR/AE, AR/AH, AR/AO, AR/A1–A30, AR/A $2,000 $1,000 $1,000 RATE12 May 1, 2012 not a valid flood zone designation; rather, it is a rating method used when the flood zone is unknown. The rates for FIRM Zone A for Pre-FIRM properties should then be used to compute the premium. The alternative rating procedure is also used by the NFIP for renewal of policies in communities that have converted from the Emergency Program to the Regular Program during a policy’s term. Again, this procedure can be used only when the community has no V Zones. In these cases, the NFIP assigns an AS Zone designation, which is not a valid flood zone designation, but rather a rating method, and uses the Pre-FIRM Zone A rates to compute the premium. In both of the above situations, the agent/producer should determine the actual FIRM zone and submit a General Change Endorsement to correct the FIRM zone and premium. All corrections should be made as soon as possible within the initial policy term after an AA or AS Zone designation has been made. If the correct flood zone is not provided, no Renewal Premium Notice will be issued. C. SpecialRates Certain risks may be eligible for Federal Emergency Management Agency (FEMA) Special Rates consideration. These risks include Post-FIRM high-rise residential condominium buildings, eligible under the RCBAP, where the Lowest Floor Elevation is below the BFE, unfinished, and used for building access, parking, or storage only. The other eligible risks are Post-FIRM buildings with hanging floors elevated on posts, piers, pilings, or columns and with the lowest elevated floor that is below the BFE unfinished and used for building access only. (For examples of hanging floors, refer to the Lowest Floor Guide section in this manual.) To request FEMA Special Rates, the company must submit the appropriate documentation to the NFIP Bureau and Statistical Agent along with a complete Application and Elevation Certificate. The required additional documentation includes the following: 1. For High-Rise Residential Condominium Buildings a. Recent photographs of the building (front and back), or a blueprint (layout of the building) if the building is under construction b. Elevated Building Determination Form signed by the insured c. Structural plans d. Replacement cost documents e. Value and use of the floor(s) below the BFE f. Clear pictures of interior of the floor(s) below the BFE g. List and value of machinery and equipment below the BFE 2. For Hanging Floors a. Pictures of the interior and exterior of the unfinished lowest elevated floor b. Value of the unfinished lowest elevated floor c. List and value of machinery and equipment and appliances. D. NFIP “Grandfather” Rules – Effect of Map Revisions onFloodInsuranceRates A community will occasionally make structural improvements (dams, levees, etc.) to reduce the potential effects of flooding; experience new development aggravating the flooding situation, thereby expanding the floodplain; revise geographical boundaries, resulting in the designation of additional flood hazard areas; or provide information to better delineate the BFE and/or flood insurance risk zones. When these situations occur, the FIRM is revised and republished. The implementation of a new FIRM raises the following question: How does the new map affect flood insurance rates? 1. Grandfather Rules – Eligibility To recognize policyholders who have built in compliance with the FIRM and/or maintained continuous coverage, FEMA has “grandfather rules.” These rules allow such policyholders to benefit in the rating for that building. a. Built in Compliance Buildings that are built in compliance with the FIRM in effect at the time of construction are eligible for grandfathering. For elevated buildings, the lowest finished floor must be at or above the BFE. In both A and V Zones, enclosures below the BFE must be unfinished and used solely for parking, storage, or building access. For A Zones, proper openings are required (refer to the Lowest Floor Guide section for guidance for proper openings). For V Zones, the enclosures must be constructed with breakaway walls (refer to the Lowest Floor Guide section for guidance). In addition, there cannot be any machinery/equipment servicing the building below the BFE. The insured would have the option of using the current rating criteria for that property or having the premium rate determined by RATE21 May 1, 2012 using the BFE and/or flood zone on the FIRM (old map) in effect when the building was originally constructed. b. Continuous Coverage Policyholders who have remained loyal customers of the NFIP by maintaining continuous coverage (since coverage was first obtained on the building) are eligible for grandfathering rules. This will result in a cost savings to insureds when the new map resulting from a map revision would result in a higher premium rate. When policies for buildings insured under the 2-year PRP Eligibility Extension are renewed as standard-rated policies at the end of the eligibility period, they may be rated using X-Zone rates if their previous zone was B, C, or X. If the previous zone was D, use D-Zone rates. To document continuous coverage when policies are moved from 1 insurer to another, the receiving company must obtain the immediately prior year’s policy declarations page from the previous insurer. To document continuous coverage when there is a transfer of property ownership, the new property owner or the agent/producer must obtain the immediately prior year’s policy declaration page and submit a copy with the application. 2. General Rule of Rating Always use the new map if it will provide a more favorable premium (lower rate). 3. Existing Business – Renewal Policies Policies written to cover either Post-FIRM or Pre- FIRM construction may be renewed and rated based on the FIRM and/or BFE in effect when the policy was initially rated as long as the coverage is continuous and the building has not been altered to make the lowest finished floor level lower than the BFE on that FIRM. For elevated buildings, the lowest finished floor must be at or above the BFE. The enclosures must be unfinished and used solely for parking, storage, or building access. For A Zones, proper openings are required (refer to the Lowest Floor Guide section for guidance for proper openings). For V Zones, the enclosures must be constructed with breakaway walls (refer to the Lowest Floor Guide section for guidance). a. Examples – Post-FIRM Construction •A building was constructed in 1980. Coverage was purchased at the time of construction. The FIRM zone in effect was A1. The BFE was 10’. The lowest floor was 11’. The elevation difference was +1, and the policy was rated using a +1 elevation difference. This policy was written and continuously renewed for 3 years. In 1983, a new map for the community was issued. The property remained in an A1 Zone. However, the BFE became 12’. Because the lowest floor did not change, the elevation difference was -1. Since the building was built in compliance and was not altered in any way, the policy can be rated using a +1 elevation difference. •A building was constructed in 1980. The FIRM zone in effect was A. In 1983 the map was revised, which placed the building in a VE Zone. Since continuous coverage existed and the building was not altered, the policyholder can continue to use Zone A in determining the rate. b. Example – Pre-FIRM Construction At the time flood insurance coverage was applied for, the building was located in Zone A99. A new map designated the zone as AE. The policy may continue to be rated using Zone A99 rates on the old map as long as there is no interruption in coverage. 4. New Business – Applications for Coverage a. Post-FIRM Construction NOTE: These rules apply to buildings in all zones, including Zone D. If a new policy is applied for, the rates can be based on the FIRM zone and the BFE on the old map in effect on the date the building was constructed provided that: •The building was built in compliance with the map in effect at the time of construction. For elevated buildings, the lowest finished floor must be at or above the BFE. The enclosures must be unfinished and used solely for parking, storage, or building access. For A Zones, proper openings are required (refer to the Lowest Floor Guide section for guidance for proper openings). RATE22 May 1, 2011 •If the coverage is in conjunction with the making, increasing, extending, or renewing of a loan, the effective date is on the day and time of the loan closing, provided that the policy is applied for and the presentment of premium is made at or prior to the loan closing. •If a lender determines that a loan on a building located in an SFHA does not have flood insurance coverage but should be covered, then the coverage is effective upon the completion of an Application and presentment of premium. •If the new policy is being obtained as a result of a revision to a community’s flood map, during the 13-month period beginning on the effective date of the map revision, the effective date shall be 12:01 a.m., local time, following the day after the presentment of premium. For the NFIP Direct business, the presentment of premium is the same as the receipt date of the full premium at the NFIP Servicing Agent. Submit-for-Rate quotations, excluding the ICC Premium, Federal Policy Fee, and Probation Surcharge, if applicable, are valid for 90 days. After 90 days, the Flood Insurance Application and supporting documentation must be resubmitted for another determination of the rating. H. Crawlspace A building with a “crawlspace” (under-floor space) has its interior floor area (finished or not) no more than 5 feet below the top of the next-higher floor. For the purpose of completing the Flood Insurance Application, a building with a crawlspace that is not subgrade must be described as an elevated building. If a crawlspace is below grade on all sides, and the elevation of the crawlspace floor is below the BFE, the crawlspace must be rated according to the guidelines found in the Lowest Floor Guide section. A crawlspace with its interior floor below grade on all sides is considered a basement; therefore, the SFIP basement coverage limitations apply to such crawlspaces. For the purpose of completing the Flood Insurance Application, the building must be described as a non- elevated building with subgrade crawlspace. Pre-FIRM buildings with subgrade crawlspaces that are below the BFE may use optional Post-FIRM elevation rating. Follow the Submit-for-Rate procedures when using this optional rating. RATE25 May 1, 2012 XV.CONTENTSLOCATION A. Single-FamilyDwellings For rating purposes, contents in a single-family dwelling are considered to be located throughout the entire building regardless of the building type, with limited coverage in a basement and an enclosed area beneath the lowest elevated floor. Refer to the SFIP. B. Multi-FamilyandNon-ResidentialBuildings The shaded areas in the illustrations below identify the location of the contents. The rates for contents located in the area indicated will be established based on the zone, construction date, and building description. 1.NON-ELEVATEDBUILDINGS(contents in shaded areas) on APPLICATIon FoRM BuildingType (includingbasement,ifany) Basement Contents ADJACENT GROUND •1 Floor •None •Lowest Floor or or Only Above •2 Floors •Finished Ground Level or •Unfinished •2 Floors •Finished •Basement Only or ADJACENT GROUND •3 or More Floors BASE FLOOD ELEVATION LIMITED COVERAGE IN BASEMENT FINISHED BASEMENTS ADJACENT GROUND •2 Floors •None •Lowest Floor or Above Ground •3 or More Floors Level and Higher Floors •2 Floors •Finished •Basement ADJACENT or and Above GROUND •3 or More Floors BASE FLOOD ELEVATION LIMITED COVERAGE IN BASEMENT FINISHED BASEMENTS •2 Floors •Unfinished •Basement ADJACENT or and Above GROUND •3 or More Floors LIMITED COVERAGE IN BASEMENT UNFINISHED BASEMENTS RATE26 May 1, 2012 NON-ELEVATEDBUILDINGScontinued (contents in shaded areas) on APPLICATIon FoRM BuildingType (includingbasement, ifany) Basement Contents •3 or More Floors •Finished or •Unfinished •Lowest Floor Above Ground Level and Higher Floors ADJACENT GROUND ADJACENT GROUND •2 Floors •None •Above Ground or or Level More Than •3 or More Floors •Finished 1 Full Floor or •Unfinished RATE27 May 1, 2012 RATE 28 October 1, 2011 2. Elevated Buildings (contents in shaded areas) Building Type (including enclosure, if any) Enclosure Contents PILINGS ADJACENT GROUND Elevated building free of obstruction ••1 floor ••None ••Lowest Floor Only Above Ground Level PILINGS ADJACENT GROUND Elevated building free of obstruction ••2 floors ••None ••Lowest Floor Above Ground Level And Higher Floor ENCLOSURE PILINGS ADJACENT GROUND Elevated building with enclosure below lowest elevated floor ••3 or more floors ••Unfinished ••Basement/ Enclosure and Above LIMITED COVERAGE IN ENCLOSED AREA PILINGS ADJACENT GROUND Elevated building, multiple occupancy, no enclosure ••3 or more floors ••None ••Lowest Floor Only Above Ground Level PILINGS ADJACENT GROUND Elevated building, multiple occupancy, no enclosure ••3 or more floors ••None ••Above Ground Level More Than 1 Full Floor ENCLOSURE PILINGS ADJACENT GROUND Elevated building, multiple occupancy, with enclosure ••3 or more floors ••Unfinished ••Above Ground Level More Than 1 Full Floor On Applicati on Form XVI. FIRMS WITH WAVE HEIGHTS Wave height adjustment The agent/producer must determine whether or not the BFE on the FIRM includes wave height. With very few exceptions (for communities on the West Coast), the FIRMs published prior to January 1, 1981, give still water levels that do not include wave height. FIRMs published January 1, 1981, and later indicate whether or not wave height is included. If wave height is included, the following statement appears on the map legend: “Coastal base flood elevations shown on this map include the effects of wave action.” These adjustments apply to 1981 Post-FIRM construction (after October 1, 1981) for zones V1–V30 and VE. A. Procedure for Calculating Wave Height Adjustment The following information is needed: 1. A completed Elevation Certificate. 2. BFE from the Elevation Certificate (Item B9) or from the FIRM. 3. Lowest Adjacent Grade from Item C2.f of the Elevation Certificate completed by a registered professional engineer, architect, or surveyor. 4. Depth of Still Water Flooding (subtract the Lowest Adjacent Grade from the BFE). The additional elevation due to wave crest in V-Zone areas will normally vary from a minimum of 2.1 feet to 0.55 times the still water depth at the site. (BFE including wave height adjustment = still water BFE + 0.55 × [still water BFE – lowest adjacent grade elevation].) For example, a building’s site is determined to be located in Zone V8 with a BFE of 14’ NGVD on the appropriate FIRM. Using the information from the Elevation Certificate, the BFE is calculated as follows: Example 1: BaseFloodElevation............... 14' LowestAdjacentGrade ............. –6' Difference..... ...... ...... ...... . 8' Factor....................... ×0.55 (2.1'minimum) .................. 4.4' BaseFloodElevation..... ...... ...+14' BFEadjusted..... ...... ...... ...18.4' Example 2: BaseFloodElevation............... 14' LowestAdjacentGrade ............ –11' Difference. ...... ...... ...... ..... 3' Factor....................... ×0.55 Wave height adjustment (2.1'minimum) ................. 1.65' 2.1'* BaseFloodElevation..... ...... ...+14' BFEadjusted..... ...... ...... ...16.1' * In Example 2, if the calculation results in less than the minimum 2.1 feet, use 2.1 feet in the calculation of the BFE adjusted. B. Wave Heights in Numbered Zones V1–V30 and VE1981Post-FIRMConstruction For most communities that have Coastal High Hazard Areas, the Wave Height Adjustment to the BFE has been included on the FIRM. No wave height adjustment is required for any numbered V-Zone area included on a FIRM for any Pacific Coast community since the wave action effects have already been considered in establishing the BFEs on the Pacific Coast. The 1981 and later FIRMs for the Atlantic and Gulf Coast communities indicate whether or not wave height is included. If wave height is included, the following statement appears under “Notes to User” on the map legends: “Coastal base flood elevations shown on this map include the effects of wave action.” C. Unnumbered V Zones 1981 Post-FIRM Construction Determining wave heights in coastal communities is a very important additional risk consideration in the engineering or architectural certification that the structure is securely anchored to adequately anchored pilings or columns in order to withstand velocity waters and hurricane wave wash. In these rare instances, it will be necessary to obtain, review, and reasonably utilize any BFE data available from a Federal, state, or RATE29 May 1, 2011 other source, until such other data have been provided by FEMA as criteria to determine the BFEs, including wave heights. D. RateSelectionProcedure Factors used in determining the appropriate insurance rate are: 1. The elevation of the building relative to the BFE adjusted by the wave height factor for an individual building site or the actual FIRM BFEs on the appropriate FIRM (include the effect of wave action [wave height]); and 2. The existence or non-existence of obstructions under the beam supporting the building’s lowest floor. The replacement cost ratio is used to select the specific rate. Complete the appropriate section of the Application. XVII. FLOODPROOFEDBUILDINGS Not all buildings are eligible for the floodproofing credit. Floodproofing and the completion of the Floodproofing Certificate are described in detail in the Special Certifications section. A. ElevationDifference To determine the elevation difference used for the rating of floodproofed buildings, the following procedures should be used if rounding is necessary: 1. Round floodproofed elevation to the nearest foot if the BFE is shown in feet. Convert the floodproofed elevation to tenths of feet if the BFE is shown in tenths of feet. 2. The elevation difference should be rounded to the nearest higher elevation. Use 0.5 feet as the midpoint and always round up. (Example: +1.5 becomes +2; -0.5 becomes 0; -1.4 becomes -1; -1.5 becomes -1; -1.6 becomes -2.) In order to qualify for floodproofing credit, buildings in Unnumbered A Zones with BFE and buildings in AE, A1–A30, and AH Zones must be floodproofed to at least 1 foot higher than their BFEs. Buildings in AO Zones must be floodproofed to at least 1 foot higher than their Base Flood Depths. B. Rating When computing a premium for a floodproofed building, use the following procedure: 1. Determine how far above the BFE the building is floodproofed. (For example, the building will be floodproofed at +1 foot, +2 feet, and so forth above BFE.) 2. Subtract 1 foot to determine the elevation to be used in determining the rate and computing the premium for the building. 3. Find the rate for the given building in the proper zone at the “adjusted” elevation. 4. Compute the premium as usual. The building must be floodproofed to +1 foot in order to receive a rate equivalent to a building with its lowest floor elevated to the BFE. For example, if the building is located in Zone AO and the community’s floodproofing standards have been approved to a level of 3 feet above the highest adjacent grade (HAG) for the lowest floor of a nonfloodproofed building, to qualify for With Certification of Compliance rates, a building must meet the following standards: •Be floodproofed to an elevation of 4 feet above HAG (1 foot above the community’s minimum standard of 3 feet above HAG). •The floodproofing must be certified by a registered professional engineer or architect on the Floodproofing Certificate or by a responsible local official in a letter containing the same information requested on the Floodproofing Certificate. •The certification, certificate, or letter must accompany the NFIP Flood Insurance Application. In order to be eligible for lower rates, the insured must have a registered professional engineer or architect certify that the floodproofing conforms to the minimum floodproofing specifications of FEMA. This means that the building must be floodproofed to at least 1 foot above the BFE. If floodproofed to 1 foot above the BFE or flood depth, it can then be treated for rating purposes as having a “0” elevation difference from the BFE. This certification must be submitted with the Application for flood insurance. To further illustrate, if the building is certified to be floodproofed to 2 feet above the BFE, flood depth, or comparable community-approved floodplain management standards, whichever is highest, then it is credited for floodproofing and is to be treated for rating purposes as having a +1 foot elevation. RATE30 May 1, 2012 paragraph 3 – Condominium Loss Assessments. The Dwelling Form will respond, up to the building coverage limit, to assessments against unit owners for damages to common areas of any building owned by the condominium association, even if the building is not insured, provided that: (1) each of the unit owners comprising the membership of the association is assessed by reason of the same cause; and (2) the assessment arises out of a direct physical loss by or from flood to the condominium building at the time of the loss. Assessment coverage cannot be used to meet the 80% coinsurance provision of the RCBAP, and does not apply to ICC coverage or to coverage for closed basin lakes. In addition, assessment coverage cannot be used to pay a loss assessment resulting from a deductible under the RCBAP. For more information on this topic, see “E. Loss Assessments” in the General Rules section and Section III. C.3. of the Dwelling Form, “Condominium Loss Assessments,” in the Policy section. V. DEDUCTIBLESANDFEES A. Deductibles The loss deductible shall apply separately to each building and personal property covered loss, including anyappurtenantstructureloss.TheStandardDeductible is $2,000 for a residential condominium building, located in a Regular Program community in SFHAs, i.e., zones A, AO, AH, A1–A30, AE, AR, AR dual zones (AR/AE, AR/AH, AR/AO, AR/A1–A30, AR/A), V, V1–V30, or VE, where the rates available for buildings built before the effective date of the initial Flood Insurance Rate Map (FIRM), Pre- FIRM rates, are used to compute the premium. For all policies rated other than those described above, e.g., those rated as Post-FIRM and those rated in zones A99, B, C, D, or X, the Standard Deductible is $1,000. Optional deductible amounts are available under the RCBAP; see Table 7 in this section. B. FederalPolicyFee The Federal Policy Fees for the RCBAP are: 1unit .............$40 perpolicy 2–4units ..........$80 perpolicy 5–10units ........$200 perpolicy 11–20units........$440 perpolicy 21 or more units . . . . $840 per policy VI. TENTATIVE RATES AND SCHEDULED BUILDINGS Tentative Rates cannot be applied to the RCBAP. The Scheduled Building Policy is not available for the RCBAP. VII.COMMISSIONS(DIRECTBUSINESSONLY) The commission, 15%, will be reduced to 5% on only that portion of the premium that exceeds the figure resulting from multiplying the total number of units times $2,000. VIII.CANCELLATION ORENDORSEMENTOFUNIT OWNERS’DWELLINGPOLICIES Unit owners’ policies written under the Dwelling Form may be canceled mid-term for the reasons mentioned in the Cancellation/Nullification section of this manual. To cancel building coverage while retaining contents coverage on a unit owner’s policy, submit a general change request. In the event of a cancellation: •The commission on a unit owner’s policy will be retained, in full, by the agent/producer; •The Federal Policy Fee and Probation Surcharge will be refunded on a pro-rata basis; and •The premium refund will be calculated on a pro-rata basis. An existing policy written under the Dwelling Form or RCBAP Form may be endorsed to increase amounts of coverage in accordance with Endorsement rules. They may not be endorsed mid-term to reduce coverage. IX. APPLICATIONFORM The agent/producer should complete the entire Flood Insurance Application according to the directions in the Application section of this manual and attach 2 new photographs that show the front and back of the building and that were taken and dated within 90 days of the mailing date. The photographs must confirm the building’s description, and at least 1 photograph must clearly show the location of the lowest floor used for rating the risk. A. TypeofBuilding For an RCBAP, the “Building” section of the Flood Insurance Application must indicate the total number of units in the building and whether the building is a high-rise or low-rise. High-rise (vertical) condominium buildings are defined as containing at least 5 units and having at least 3 CONDO7 May 1, 2012 floors. Note that an enclosure below an elevated floor building, even if it is the lowest floor for rating purposes, cannot be counted as a floor to classify the building as a high-rise condominium building. Low-rise condominium buildings are defined as having fewer than 5 units and/or fewer than 3 floors. Low-rise also includes all townhouses/rowhouses regardless of the number of floors or units, and all detached single- family buildings. For a Dwelling Form used to insure a condominium unit, see the Application section of this manual. B. Replacement CostValue For an RCBAP, use normal company practice to estimate the RCV and enter the value in the “Building” section of the Application. Include the cost of the building foundation when determining the RCV. Attach the appropriate valuation to the Application. Acceptable documentation of a building’s RCV is a recent property valuation report that states the value of the building, including its foundation, on an RCV basis. The cost of bringing the building into compliance with local codes (law and ordinance) is not to be included in the calculation of the building’s replacement cost. To maintain reasonable accuracy of the RCV for the building, the agent/producer must update this information and provide it to the insurer at least every 3 years. (See sample notification letter regarding updating RCV on page CONDO 9.) C. Coverage Ensure that the “Coverage and Rating” section of the Application accurately reflects the desired amount of building and contents coverage. If only building insurance is to be purchased, inform the applicant of the availability of contents insurance for contents that are commonly owned. It is recommended that the applicant initial the contents coverage section if no contents insurance is requested. (This will make the applicant aware that the policy will not provide payment for contents losses.) 1. Building Enter the amount of insurance for building, Basic and Additional Limits. Enter full Basic Limits before entering any Additional Limits. The building Basic Limit amount of insurance for high-rise condominium buildings is up to a maximum of $175,000. The building Basic Limit amount of insurance for low- rise condominium buildings is $60,000 multiplied by the number of units in the building. The total amount of coverage desired on the entire building must not exceed $250,000 (Regular Program limit) times the total number of units (residential and non-residential) in the building. 2. Contents Since the Program type must be Regular, enter the amount of insurance for contents, Basic and Additional Limits. Enter full Basic Limits before any Additional Limits. Contents coverage purchased by the association is for only those contents items that are commonly owned. For the Basic Limits amount of insurance, up to a maximum of $25,000 may be filled in. For the Additional Limits, up to a total of $75,000 may be filled in. The total amount of insurance available for contents coverage cannot exceed $100,000. D. RatesandFees 1. To determine rates, see the RCBAP Rate Tables on the following pages. Enter the rate for building and for contents and compute the annual premium. If an optional deductible has been selected for building and/or contents, see Table 7 in this section. 2. Enter the total premium for building and contents, adjusted for any premium change because of an optional deductible being selected. The total premium will be calculated as if the building were 1 unit. 3. Add the total premium for building and contents and enter the Annual Subtotal. 4. Add the Increased Cost of Compliance (ICC) Premium. 5. Calculate the Community Rating System (CRS) discount, if applicable. 6. Subtract the CRS discount, if applicable. 7. Add the $50 Probation Surcharge, if applicable. 8. Add the Federal Policy Fee to determine the Total Prepaid Amount. CONDO8 May 1, 2012 LFG5 May 1, 2011 LFG6 May 1, 2012 LFG7 May 1, 2011 LFG8 May 1, 2012 NON-ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESB,C,X,A99,ANDD BuildingDescription 1 floor with finished or unfinished basement Machineryor Equipment ServicingBuilding With or without machinery or equipment in basement Lowest Floor for Rating No Elevation Certificate required Application ShouldShow Building type — 2 floors Basement — Finished or unfinished Is building elevated? — No Pre-FIRMRating Use Pre-FIRM rate table With Basement category. Post-FIRMRating Use Post-FIRM rate table With Basement category. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG17 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESA,AO,ANDAH Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor without enclosed area (see Elevation Certificate, Diagram 5) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure No enclosure Machineryor Equipment ServicingBuilding None Lowest Floor for Rating Top of lowest elevated floor Application Should Show Building type — 1 floor Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating5 AOZone:Use Pre-FIRM rate table No Basement/Enclosure category. AHZone: Use Pre-FIRM rate table No Basement/Enclosure category. AZone withBFE2: Use Pre-FIRM rate table No Basement/Enclosure category. AZone without BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating AOZone:If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AHZone:If LF1 elevation is greater than or equal to the BFE2, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AZone withBFE2: Use Post-FIRM rate table With Base Flood Elevation category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. AZone without BFE2: If difference between the LF1 and HAG4 is 1 foot or more, use Post- FIRM rate table No Base Flood Elevation category. If difference is 0 feet or less, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG18 May 1, 2012 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESA,AO,ANDAH Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors, including hanging floor (see Elevation Certificate, Diagram 5) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure No enclosure Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of lowest elevated floor Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating5 AOZone:Use Pre-FIRM rate table No Basement/Enclosure category. AHZone: Use Pre-FIRM rate table No Basement/Enclosure category. AZone withBFE2: Use Pre-FIRM rate table No Basement/Enclosure category. AZone without BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating AOZone:If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AHZone:If LF1 elevation is greater than or equal to the BFE2, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AZone withBFE2: Use Post-FIRM rate table With Base Flood Elevation category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. AZone without BFE2: If difference between the LF1 and HAG4 is 1 foot or more, use Post- FIRM rate table No Base Flood Elevation category. If difference is 0 feet or less, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG19 May 1, 2012 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESA,AO,ANDAH Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor with unfinished enclosed area (see Elevation Certificate, Diagram 6) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Unfinished enclosure With proper openings3 Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of next-higher floor (elevated floor) Application Should Show Building type — 1 floor Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating5 AOZone:Use Pre-FIRM rate table No Basement/Enclosure category. AHZone:Use Pre-FIRM rate table No Basement/Enclosure category. AZone withBFE2: Use Pre-FIRM rate table No Basement/Enclosure category. AZone without BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating AOZone:If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AHZone:If LF1 elevation is greater than or equal to the BFE2, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AZone withBFE2: Use Post-FIRM rate table With Base Flood Elevation category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. AZone without BFE2: If difference between the LF1 and HAG4 is 1 foot or more, use Post-FIRM rate table No Base Flood Elevation category. If the difference is 0 feet or less, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG20 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESA,AO,ANDAH Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors with unfinished enclosed area (see Elevation Certificate, Diagram 6) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure Unfinished enclosure With proper openings3 Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Lowest elevated floor Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating5 AOZone:Use Pre-FIRM rate table No Basement/Enclosure category. AHZone:Use Pre-FIRM rate table No Basement/Enclosure category. AZone withBFE2: Use Pre-FIRM rate table No Basement/Enclosure category. AZone without BFE2: Use Post-FIRM rate table No Basement/Enclosure category. Post-FIRMRating AOZone:If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AHZone:If LF1 elevation is greater than or equal to the BFE2, use With Certification of Compliance or Elevation Certificate rate. If not, use Without Certification of Compliance or Elevation Certificate rate. AZone withBFE2: Use Post-FIRM rate table With Base Flood Elevation category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. AZone without BFE2: If difference between the LF1 and HAG4 is 1 foot or more, use Post-FIRM rate table No Base Flood Elevation category. If the difference is 0 feet or less, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG21 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESA,AO,ANDAH Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floors with unfinished enclosed area (see Elevation Certificate, Diagram 8) ElevatingFoundation ofBuilding Solid foundation walls Type ofEnclosure Unfinished enclosure (garage) and crawlspace No openings Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of bottom floor (lower of crawlspace or garage) Application Should Show Building type — 3 or more floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRMRating AOZone:Use Pre-FIRM rate table With Enclosure category. AHZone:Use Pre-FIRM rate table With Enclosure category. AZone:Use Pre-FIRM rate table With Enclosure category. Post-FIRMRating Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG22 May 1, 2012 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor without enclosed area (see Elevation Certificate, Diagram 5) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure No enclosure Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of lowest elevated floor Application Should Show Building type — 1 floor Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating Use Post-FIRM rate table 1 Floor No Basement/Enclosure/Crawlspace category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG39 OctOber 1, 2011 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription Elevated on piers, posts, piles, or columns with hanging floor 2 floors, including hanging floor (see Elevation Certificate, Diagram 5) ElevatingFoundation ofBuilding Piers, posts, piles, or columns Type ofEnclosure No enclosure Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of lowest elevated floor Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRMRating Elevated buildings on posts, piers, pilings, or columns and the lowest elevated floor below the BFE2 is unfinished and used for storage or building access only, use More Than 1 Floor No Basement/Enclosure/Crawlspace category. If LF1 elevation is 1 or more feet below the BFE2 , submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG40 May 1, 2012 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 1 floor Mid-Level Entry with unfinished enclosure (see Elevation Certificate, Diagram 7) ElevatingFoundation ofBuilding Solid foundation walls Type ofEnclosure Enclosure garage and storage area Proper openings in garage and enclosure Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of next-higher floor (elevated floor) Application Should Show Building type — 1 floor Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRMRating5 Use Pre-FIRM rate table No Enclosure category. Post-FIRMRating Use Post-FIRM rate table 1 Floor No Basement/Enclosure/Crawlspace category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG45 May 1, 2012 ELEVATEDBUILDINGS PRE-ANDPOST-FIRMRISKSINFLOODZONESAEANDA1–A30 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate. BuildingDescription 2 floor Mid-Level Entry with unfinished enclosure (see Elevation Certificate, Diagram 7) ElevatingFoundation ofBuilding Solid foundation walls Type ofEnclosure Enclosure garage and storage area No proper openings3 Machineryor Equipment ServicingBuilding With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Floor of garage and storage area Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRMRating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRMRating Use Post-FIRM rate table More Than 1 Floor With Basement/Enclosure/Crawlspace category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more 2 BFE — Base Flood Elevation favorable to the insured 3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981, 4 HAG — Highest Adjacent Grade and after are Submit-for-Rate NOTE: Above references may not apply to this page. LFG46 May 1, 2012 CERT 25 May 1, 2012 PREFERREDRISKPOLICY I. GENERALDESCRIPTION The Preferred Risk Policy (PRP) is a lower-cost Standard Flood Insurance Policy (SFIP), written under the Dwelling Form or General Property Form. It offers fixed combinations of building/contents coverage limits or contents-only coverage. The PRP is available for property located in B, C, and X Zones in Regular Program communities that meets eligibility requirements based on the property’s flood loss history. It is also available for buildings that are eligible under the 2-year PRP Eligibility Extension. (See eligibility requirements below.) For residential properties, the maximum coverage combination is $250,000 building and $100,000 contents. Up to $100,000 contents-only coverage is available. For non-residential properties, the maximum coverage combination is $500,000 building and $500,000 contents. Up to $500,000 contents-only coverage is available. Only 1 building can be insured per policy, and only 1 policy can be written on each building. II. ELIGIBILITYREQUIREMENTS A. FloodZone To be eligible for coverage under the PRP, the building must be in a B, C, or X Zone on the effective date of the policy, with the following exceptions: •Buildings that were newly designated within a Special Flood Hazard Area (SFHA) due to a map revision on or after October 1, 2008, and before January 1, 2011, are eligible for a PRP for 2 policy years if their policy effective date is between January 1, 2011, and December 31, 2012. •Buildings that are newly designated within an SFHA due to a map revision on or after January 1, 2011, are eligible for a PRP for 2 policy years from the map revision date. Buildings meeting the above requirement must also meet the PRP loss history requirements. At the end of the 2-year PRP Eligibility Extension period following a map revision, policies on these buildings must be written as standard-rated policies. For the purpose of determining the flood zone, the agent/producer may use the Flood Insurance Rate Map (FIRM) in effect at the time of application and presentment of premium, except when the building is eligible for the PRP under the 2-year PRP Eligibility Extension. The flood map available at the time of the renewal offer determines a building’s continued eligibility for the PRP. NFIP grandfathering rules do not apply to the PRP. B. Occupancy Combined building/contents amounts of insurance are available for owners of all eligible occupancy types — 1–4 family properties (including individual condominium units in condominium buildings), other residential properties, and non-residential properties. Contents-only coverage is available for tenants and owners of all eligible occupancies, except when contents are located entirely in a basement. C. LossHistory A building’s eligibility for the PRP is based on the preceding requirements and on the building’s flood loss history. If one of the following conditions exists within any 10-year period, regardless of any change(s) in ownership of the building, then the building is not eligible for the PRP: •2 flood insurance claim payments for separate losses, each more than $1,000; or •3 or more flood insurance claim payments for separate losses, regardless of amount; or •2 Federal flood disaster relief payments (including loans and grants) for separate occurrences, each more than $1,000; or •3 Federal flood disaster relief payments (including loans and grants) for separate occurrences, regardless of amount; or •1 flood insurance claim payment and 1 Federal flood disaster relief payment (including loans and grants), each for separate losses and each more than $1,000. In determining a building’s flood loss history for PRP eligibility, Federal flood disaster relief payments THEPRPATAGLANCE cOVerAGe tYPe MAXIMUMLIMITSBYOCCUPANCYTYPE 1–4 FAmilY Other residentiAl nOn-residentiAl Combined Building/ Contents $250,000/ $100,000 $250,000/ $100,000 $500,000/ $500,000 Contents Only $100,000 $100,000 $500,000 PRP1 OctOber 1, 2011 (including loans and grants) are considered only if the building sustained flood damage. III. INELIGIBILITY For help in determining eligibility/ineligibility of various condominium risks, use the PRP Condominium Rating Chart in this section. •Buildings and/or contents in Emergency Program communities are not eligible for the PRP. •Buildings and/or contents in SFHAs are not eligible for the PRP, unless eligible under the 2-year PRP Eligibility Extension. •Multi-unit residential condominium buildings eligible under the Residential Condominium Building Association Policy (RCBAP) are not eligible for the PRP. •Individual residential condominium units in nonresidential condominium buildings are not eligible for building coverage. •Individual non-residential condominium units are not eligible for building coverage. •Contents located entirely in a basement are not eligible for contents-only coverage. However, contents located entirely in an enclosure are eligible. •Condominium units are not eligible for Increased Cost of Compliance (ICC) coverage. •Buildings on Leased Federal Property determined by the Administrator to be located on the river-facing side of any dike, levee, or other riverine flood-control structure, or seaward of any seawall or other coastal flood-control structure are not eligible for the PRP. IV. DOCUMENTATION All PRP new business applications must include current documentation of eligibility for the PRP. Such applications must be accompanied by 1 of the following: •A Letter of Map Amendment (LOMA); •A Letter of Map Revision (LOMR); •A Letter of Determination Review (LODR); •A copy of the most recent flood map marked to show the exact location of the property and flood zone of the building; •A letter indicating the property address and flood zone of the building, and signed and dated by a local community official; •An Elevation Certificate indicating the exact location and flood zone of the building, signed and dated by a surveyor, an engineer, an architect, or a local community official; or •A flood zone determination certification that guarantees the accuracy of the information. If issuing coverage under the 2-year PRP Eligibility Extension, the previous and current zones must each be documented with 1 of the items from the list above. An agent/producer writing through a Write Your Own (WYO) Company should contact that company for guidance. V. RENEWAL Aneligibleriskrenewsautomaticallywithoutsubmission of a new application. If, during a policy term, the risk fails to meet the eligibility requirements, it cannot be renewed as a PRP. It must be nonrenewed or rewritten as a standard-rated policy. Effective May 1, 2008, if there has been a map change during the policy term that may affect the insured property, proof of the building’s continued eligibility for the PRP must be provided for the policy to be renewed. In addition, effective January 1, 2011, PRPs renewed under the 2-year PRP Eligibility Extension must have the current and previous flood maps to document the building’s eligibility. VI. COVERAGELIMITATIONS The elevated building coverage limitation provisions do not apply to the PRP; however, basement coverage limitations do apply. VII.REPLACEMENTCOSTCOVERAGE Replacement cost coverage is provided only under the Dwelling Form when the building is the principal residence of the insured and the building coverage limits are at least 80% of the replacement cost of the building at the time of the loss, or the maximum limits available under the NFIP. VIII. DISCOUNTS/FEES/ICCPREMIUM •Community Rating System (CRS) discounts are not available for the PRP. •The $50 Community Probation Surcharge is added, when applicable. •The Federal Policy Fee of $20 is included in the premium and is not subject to commission. PRP2 OctOber 1, 2011 •The ICC Premium of $5 is included in the premium. Deduct this amount if the risk is a condominium unit. IX. DEDUCTIBLES The standard deductible for PRPs is $1,000 each for building and contents, applied separately. Optional deductibles are not available for PRPs. X. ENDORSEMENTS The PRP may be endorsed to: •Increase coverage mid-term, subject to the coverage limits in effect when the policy was issued or renewed. See the General Change Endorsement section in this manual for an example. •Correct misratings, such as incorrect building description or community number. XI.CONVERSION OF STANDARD-RATED POLICY TOPRPDUETOMISRATING A policy written as a standard-rated B, C, or X Zone policy and later found to be eligible for a PRP may be endorsed or canceled and rewritten as a PRP for only the current policy term. In addition, effective January 1, 2011, standard-rated policies, regardless of zone, found to be eligible for the 2-year PRP extension may be endorsed or canceled and rewritten. When a risk has been rated with other than B, C, or X Zone rates but is later found to be in a B, C, or X Zone and eligible for a PRP, the insurer will be allowed to endorse or cancel/rewrite up to 6 years. The policy may be canceled/rewritten using Cancellation Reason Code 22 if both of the following conditions are met: •The request to endorse or cancel/rewrite the policy is received during the current policy term; and •The policy has no open claim or closed paid claim on the policy term being canceled. The new PRP building and/or contents coverage will be equal either to the building limit issued under the standard-rated B, C, or X Zone policy or the next-higher limit available under the PRP if there is no PRP option equal to the standard-rated B, C, or X Zone building limit. For a standard-rated contents-only policy, the contents coverage will be equal to the limit issued under the standard-rated policy or the next-higher limit. If building coverage is desired, the policy should be endorsed for building and contents coverage with a 30-day waiting period applied. XII. CONVERSION OF STANDARD-RATED POLICY TO PRP DUE TO THE 2-YEAR PRP ELIGIBILITYEXTENSION A policy correctly written as a standard-rated policy and determined to be newly eligible for extended PRP rating may be endorsed at its next renewal, or rewritten as a PRP for 2 policy terms. When converting a standard-rated policy to a PRP due to the 2-year PRP Eligibility Extension, the 30-day waiting period will not apply if the standard-rated policy has only building coverage and is rewritten as a PRP that includes contents coverage. XIII.CONVERSION OF STANDARD-RATED POLICY TO PRP DUE TO MAP REVISION, LOMA, ORLOMR A standard-rated policy may be endorsed or canceled and rewritten as a PRP as a result of a map revision, LOMA, or LOMR if the effective date of the map change was on or after February 1, 2005. Thepolicymay becanceled/rewrittenusingCancellation Reason Code 24 under the following conditions: •The request to cancel/rewrite the standard-rated policy must be received during the policy term or within 6 months of the policy expiration date. •The standard-rated policy has no open claim or closed paid claim on the policy terms being canceled. •The property meets all other PRP eligibility requirements. The building and/or contents coverage on the new PRP must be equal either to the building limit and/or contents limit issued under the standard-rated policy, or to the next-higher limit available under the PRP if there is no PRP option equal to the standard-rated policy building and/or contents limit. PRP3 OctOber 1, 2011 PREFERREDRISKPOLICYCONDOMINIUMRATINGCHART RESIDENTIALSINGLE-UNITBUILDINGOR TOWNHOUSE-/ROWHOUSE-TYPEBUILDINGWITHSEPARATEENTRANCEFOREACHUNIT PURCHASER OF POLICY BUILdIng OCCUPAnCY1 COndO UnIt IndICAtOR1 PRP ELIgIBILItY RAtE tABLE POLICY FORm UNIT OWNER Single family Yes Yes 1–4 Family residential Dwelling ASSOCIATION (ASSOCIATION-OWNED SINGLE UNIT ONLY) Single family Yes Yes 1–4 Family residential Dwelling ASSOCIATION (ENTIRE BUILDING) N/A N/A No N/A N/A MULTI-UNITRESIDENTIALBUILDING–2TO4UNITSPERBUILDING PURCHASER OF POLICY BUILdIng OCCUPAnCY1 COndO UnIt IndICAtOR1 PRP ELIgIBILItY RAtE tABLE POLICY FORm UNIT OWNER 2–4 Yes Yes 1–4 Family residential Dwelling ASSOCIATION (ASSOCIATION-OWNED SINGLE UNIT ONLY) 2–4 Yes Yes 1–4 Family residential Dwelling ASSOCIATION (ENTIRE BUILDING) N/A N/A No N/A N/A OWNER OF NONRESIDENTIAL CONTENTS Non-residential Yes (Building coverage not available) Yes Non-residential contents-only General Property MULTI-UNITRESIDENTIALBUILDING–5ORMOREUNITSPERBUILDING PURCHASER OF POLICY BUILdIng OCCUPAnCY1 COndO UnIt IndICAtOR1 PRP ELIgIBILItY RAtE tABLE POLICY FORm UNIT OWNER Other residential Yes Yes Other residential Dwelling ASSOCIATION (ASSOCIATION-OWNED SINGLE UNIT ONLY) Other residential Yes Yes Other residential Dwelling ASSOCIATION (ENTIRE BUILDING) N/A N/A No N/A N/A OWNER OF NONRESIDENTIAL CONTENTS Non-residential Yes (Building coverage not available) Yes Non-residential contents-only General Property NON-RESIDENTIALBUILDING PURCHASER OF POLICY BUILdIng OCCUPAnCY1 COndO UnIt IndICAtOR1 PRP ELIgIBILItY RAtE tABLE POLICY FORm OWNER OF NONRESIDENTIAL CONTENTS Non-residential Yes (Building coverage not available) Yes Non-residential contents-only General Property OWNER OF RESIDENTIAL CONTENTS Single family Yes (Building coverage not available) Yes Residential contents-only Dwelling ASSOCIATION (ENTIRE BUILDING) Non-residential N/A Yes Non-residential building and contents General Property 1 When there is a mixture of residential and commercial usage within a single building, refer to the General Rules section of this manual. PRP4 OctOber 1, 2011 PRPCOVERAGELIMITSAVAILABLEEFFECTIVEJANUARY1,2011 1–4FAMILYRESIDENTIALBUILDINGANDCONTENTSCOVERAGECOMBINATIONS1,2,3 WItH BASEmEnt OR EnCLOSURE4 WItHOUt BASEmEnt OR EnCLOSURE5 Building Contents Premium Building Contents Premium $ 20,000 $ 8,000 $154 $ 20,000 $ 8,000 $129 $ 30,000 $ 12,000 $185 $ 30,000 $ 12,000 $160 $ 50,000 $ 20,000 $236 $ 50,000 $ 20,000 $211 $ 75,000 $ 30,000 $277 $ 75,000 $ 30,000 $247 $100,000 $ 40,000 $304 $100,000 $ 40,000 $274 $125,000 $ 50,000 $324 $125,000 $ 50,000 $294 $150,000 $ 60,000 $343 $150,000 $ 60,000 $313 $200,000 $ 80,000 $378 $200,000 $ 80,000 $343 $250,000 $100,000 $405 $250,000 $100,000 $365 RESIDENTIALCONTENTS-ONLYCOVERAGE1,2,6 COntEntS ABOvE gROUnd LEvEL mORE tHAn 1 FLOOR ALL OtHER LOCAtIOnS (BASEmEnt-OnLY nOt ELIgIBLE) Contents Premium Contents Premium $ 8,000 $49 $ 8,000 $68 $ 12,000 $65 $ 12,000 $92 $ 20,000 $96 $ 20,000 $128 $ 30,000 $110 $ 30,000 $147 $ 40,000 $122 $ 40,000 $164 $ 50,000 $134 $ 50,000 $181 $ 60,000 $146 $ 60,000 $198 $ 80,000 $170 $ 80,000 $218 $100,000 $194 $100,000 $238 OTHERRESIDENTIALBUILDINGANDCONTENTSCOVERAGECOMBINATIONS1,2,3 With Basement or Enclosure4 COntEntS COvERAgE $8,000 $12,000 $20,000 $30,000 $40,000 $50,000 $60,000 $80,000 $100,000 BUILdIng COvERAgE $ 20,000 $168 $182 $195 $208 $220 $231 $242 $252 $262 $ 30,000 $182 $196 $209 $222 $234 $245 $256 $266 $276 $ 50,000 $216 $230 $243 $256 $268 $279 $290 $300 $310 $ 75,000 $232 $246 $259 $272 $284 $295 $306 $316 $326 $100,000 $254 $268 $281 $294 $306 $317 $328 $338 $348 $125,000 $261 $275 $288 $301 $313 $324 $335 $345 $355 $150,000 $266 $280 $293 $306 $318 $329 $340 $350 $360 $200,000 $297 $311 $324 $337 $349 $360 $371 $381 $391 $250,000 $314 $328 $341 $354 $366 $377 $388 $398 $408 OTHERRESIDENTIALBUILDINGANDCONTENTSCOVERAGECOMBINATIONS1,2,3 Without Basement or Enclosure5 COntEntS COvERAgE $8,000 $12,000 $20,000 $30,000 $40,000 $50,000 $60,000 $80,000 $100,000 BUILdIng COvERAgE $ 20,000 $140 $152 $163 $174 $184 $194 $203 $212 $220 $ 30,000 $158 $169 $180 $191 $201 $211 $220 $229 $237 $ 50,000 $193 $204 $215 $226 $236 $246 $255 $264 $272 $ 75,000 $213 $224 $235 $245 $255 $265 $274 $283 $291 $100,000 $231 $242 $253 $263 $273 $283 $292 $301 $309 $125,000 $240 $251 $262 $272 $282 $291 $300 $309 $317 $150,000 $247 $258 $269 $279 $289 $298 $307 $316 $324 $200,000 $275 $286 $297 $307 $317 $326 $335 $343 $351 $250,000 $290 $301 $312 $322 $332 $341 $350 $358 $366 1 Add the $50 Probation Surcharge, if applicable. 2 Premium includes Federal Policy Fee of $20. 3 Premium includes ICC Premium of $5. Deduct this amount if the risk is a condominium unit. 4 Do not use this section of the table for buildings with crawlspaces or subgrade crawlspaces; see footnote 5. Use this section of the table if a building elevated on a crawlspace has an attached garage without openings. 5 Use this section of the table for buildings with crawlspaces or subgrade crawlspaces. 6 Use this “All Residential Contents-Only Coverage” premium table for individual residential condominium unit contents-only policies. PRP5 OctOber 1, 2011 PRPCOVERAGELIMITSAVAILABLEEFFECTIVEJANUARY1,2011(continued) NON-RESIDENTIALBUILDINGANDCONTENTSCOVERAGECOMBINATIONS1,2 With Basement or Enclosure3 COntEntS COvERAgE $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000 BUILdIng COvERAgE $ 50,000 $ 897 $1,156 $1,404 $1,640 $1,865 $2,079 $2,282 $2,473 $2,653 $2,822 $100,000 $1,271 $1,530 $1,777 $2,013 $2,238 $2,452 $2,655 $2,846 $3,026 $3,195 $150,000 $1,546 $1,805 $2,052 $2,288 $2,513 $2,727 $2,930 $3,121 $3,301 $3,470 $200,000 $1,695 $1,954 $2,201 $2,437 $2,662 $2,876 $3,079 $3,270 $3,450 $3,619 $250,000 $1,800 $2,059 $2,306 $2,542 $2,767 $2,981 $3,184 $3,375 $3,555 $3,724 $300,000 $1,916 $2,175 $2,422 $2,658 $2,883 $3,097 $3,300 $3,491 $3,671 $3,840 $350,000 $2,044 $2,303 $2,550 $2,786 $3,011 $3,225 $3,427 $3,618 $3,798 $3,967 $400,000 $2,128 $2,387 $2,634 $2,870 $3,095 $3,309 $3,511 $3,702 $3,882 $4,051 $450,000 $2,224 $2,483 $2,730 $2,966 $3,191 $3,405 $3,607 $3,798 $3,978 $4,147 $500,000 $2,329 $2,588 $2,835 $3,071 $3,296 $3,510 $3,712 $3,903 $4,083 $4,252 NON-RESIDENTIALBUILDINGANDCONTENTSCOVERAGECOMBINATIONS1,2 Without Basement or Enclosure4 COntEntS COvERAgE $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000 BUILdIng COvERAgE $ 50,000 $ 567 $ 705 $ 837 $ 963 $1,083 $1,197 $1,305 $1,407 $1,503 $1,593 $100,000 $ 759 $ 897 $1,029 $1,155 $1,275 $1,389 $1,497 $1,599 $1,695 $1,785 $150,000 $ 902 $1,040 $1,172 $1,298 $1,418 $1,532 $1,640 $1,742 $1,838 $1,928 $200,000 $1,051 $1,189 $1,321 $1,447 $1,567 $1,681 $1,789 $1,891 $1,987 $2,077 $250,000 $1,151 $1,289 $1,421 $1,547 $1,667 $1,781 $1,889 $1,991 $2,087 $2,177 $300,000 $1,257 $1,395 $1,527 $1,653 $1,773 $1,887 $1,995 $2,097 $2,193 $2,283 $350,000 $1,314 $1,452 $1,584 $1,710 $1,830 $1,944 $2,052 $2,154 $2,250 $2,340 $400,000 $1,377 $1,515 $1,647 $1,773 $1,893 $2,007 $2,115 $2,217 $2,313 $2,403 $450,000 $1,446 $1,584 $1,716 $1,842 $1,962 $2,076 $2,184 $2,286 $2,382 $2,472 $500,000 $1,521 $1,659 $1,791 $1,917 $2,037 $2,151 $2,259 $2,361 $2,457 $2,547 NON-RESIDENTIALCONTENTS-ONLYCOVERAGE1,2 COntEntS ABOvE gROUnd LEvEL mORE tHAn 1 FLOOR ALL OtHER LOCAtIOnS (BASEmEnt-OnLY nOt ELIgIBLE) Contents Premium Contents Premium $ 50,000 $162 $ 50,000 $ 347 $100,000 $237 $100,000 $ 517 $150,000 $312 $150,000 $ 687 $200,000 $387 $200,000 $ 857 $250,000 $462 $250,000 $1,027 $300,000 $537 $300,000 $1,197 $350,000 $612 $350,000 $1,367 $400,000 $687 $400,000 $1,537 $450,000 $762 $450,000 $1,707 $500,000 $837 $500,000 $1,877 1 Add the $50 Probation Surcharge, if applicable. 2 Premium includes Federal Policy Fee of $20. 3 Do not use this section of the table for buildings with crawlspaces or subgrade crawlspaces. See footnote 4. 4 Use this section of the table for buildings with crawlspaces or subgrade crawlspaces. PRP6 mAY 1, 2011 XIV.CONVERSION OF PRP TO STANDARD-RATED POLICY A PRP must be canceled and rewritten to a standard- rated policy if the risk does not meet the PRP eligibility requirements on the policy effective date. (See the Eligibility Requirements subsection in this section.) The building and/or contents coverage on the new standard-rated policy cannot exceed the building limit and/or contents limit issued under the PRP. Policyholders will have 30 days from notification to pay the additional premium due, or 60 days to obtain additional information if needed to rate the policy, and then 30 days to pay the additional premium due. The premium due will be calculated from the beginning of the policy term to restore the originally requested limits without a waiting period. As an option, the policyholder may elect to delete or reduce coverage in order to wholly or partially reduce the underpayment amount. If increased coverage limits are desired, the new standard-rated policy must be endorsed; the 30-day waiting period will apply. XV.COMPLETING THE FLOOD INSURANCE PREFERREDRISKPOLICYAPPLICATION A. PolicyStatus In the upper right corner of the form, check the appropriate box to indicate if the application is for a NEW policy or RENEWAL of an existing policy. If the application is for a renewal, enter the current 10-digit policy number. B. PolicyTerm Check the appropriate box to indicate who should receive the renewal bill. If BILL FIRST MORTGAGEE is checked, complete the “First Mortgagee” section. If BILL SECOND MORTGAGEE, BILL LOSS PAYEE, or BILL OTHER is checked, complete the “Second Mortgagee or Other” section. Enter the policy effective date and policy expiration date (month/day/year). The effective date of the policy is determined by adding the appropriate waiting period, if applicable, to the date of application listed in the “Signature” section. The standard waiting period is 30 days. NOTE:Refer to the General Rules section of this manual for exceptions to the standard waiting period. C. AgentInformation Enter the agent’s/producer’s name, agency name and number, address, city, state, ZIP Code, telephone number, and fax number. Enter the agent’s/producer’s Tax I.D. Number. D. InsuredMailingAddress Enter the name, mailing address, city, state, ZIP Code, and telephone number of the insured. If the insured’s mailing address is a post office box or a rural route number, or if the address of the property to be insured is different from the mailing address, the “Property Location” section of the application must be completed. If there is more than 1 building at the property location, see “H. Property Location” for further instructions. E. DisasterAssistance Check YES if flood insurance is being required for disaster assistance. Identify the Government (disaster) agency and enter the insured’s case file number. If NO is checked, no further information is required. PRP7 OctOber 1, 2011 F. FirstMortgagee I. Community Enter the name, mailing address, city, state, ZIP Code, telephone number, and fax number of the first mortgagee. Enter the loan number. If any of this information is not available at the time of application, add it to the policy by submitting a change request. G. SecondMortgagee/Other Identify the second mortgagee or the loss payee by checking the appropriate box and entering the loan number, the mortgagee’s name, mailing address, telephone number, and fax number. If more than 1 additional mortgagee or disaster assistance agency exists, provide the requested information on the insurance agency’s letterhead and attach the letterhead to the application form. H. PropertyLocation Check YES if the location of the property being insured is the same as the insured’s mailing address entered in the “Insured Mailing Address” section. Leave the rest of the section blank unless there is more than 1 building at the property location. If NO is checked, provide the address or location of the property to be insured. If the insured’s mailing address is a post office box or rural route number, give the street address, legal description, or geographic location of the property. Only 1 building can be insured per policy, and only 1 policy can be written on each building. If there is more than 1 building with the same address at the location of the property to be insured, clearly identify the specific building in this section. Attach a sketch if needed for clarity. Enter the name of the county or parish where the property is located. (Not all communities that have been assigned NFIP community numbers are participating in the NFIP. Policies may not be written in non-participating communities.) Enter the community identification number, map panel number, and revision suffix of the map that will be used for rating for the community where the building is located. When there is only 1 panel (i.e., a flat map), the community number will consist of only 6 digits. NOTE: The postal address of the insured building may not reflect the community where the property is located. Therefore, do not rely on the postal address when determining community status and identification. In addition, because of possible changes in the FIRM, do not rely on information from a prior policy as accurately reflecting the current FIRM information. Obtain the community information from the FIRM currently in effect and that has been published at the time of presentment of premium and completion of the application. However, if applying for the PRP under the 2-year Eligibility Extension following a map revision, enter the community number, panel number, and panel suffix from the FIRM in effect immediately prior to the current FIRM. The current community number may also be obtained from a flood zone determination or by checking the NFIP Community Status Book online (http://www. fema.gov/fema/csb.shtm) or contacting the insurer or a local community official. Enter the FIRM zone in the space provided and identify the information source. If applying for the PRP under the 2-year Eligibility Extension following a map revision, enter the FIRM zone from the FIRM in effect immediately prior to the current FIRM. If the previous FIRM zone was Zone D, indicate FIRM Zone X on the application form. Submit documentation of both the previous and current zones with the application. Check YES if the building is located on Federal land; otherwise, check NO. PRP8 mAY 1, 2011 NOTE:If the property is located on Federal Land, refer to the Leased Federal Property section for guidance. J. Building Complete all required information in this section. •building Occupancy Check the type of occupancy for the building (i.e., SINGLE FAMILY, 2–4 FAMILY, OTHER RESIDENTIAL, or NON-RESIDENTIAL). o single Family – This is a residential single-family building, or a single-family dwelling unit in a condominium building; incidental occupancies are permitted if limited to less than 50% of the building’s total floor area. NOTE: Incidental occupancies are offices, private schools, studios, or small service operations within a residential building. o 2–4 Family – This is a residential building that contains 2–4 units. This category includes apartment buildings and condominium buildings. Incidental occupancies (see note above) are permitted if the total area of such occupancies is limited to less than 25% of the total floor area within the building. This excludes hotels and motels with normal room rentals for less than 6 months. o Other residential – This is a residential building that contains more than 4 apartments/units. This category includes condominium and apartment buildings as well as hotels, motels, tourist homes, and rooming houses where the normal occupancy of a guest is 6 months or more. These buildings are permitted incidental occupancies (see note above). The total area of incidental occupancy is limited to less than 25% of the total floor area within the building. Examples of Other Residential buildings include dormitories and assisted-living facilities. o non-residential (including hotel/motel) – This is a commercial or non-habitational building, or a mixed-use building that does not qualify as a residential building. This category includes, but is not limited to, small businesses, churches, schools, farm buildings (including grain bins and silos), garages, poolhouses, clubhouses, recreational buildings, mercantile buildings, agricultural buildings, industrial buildings, warehouses, nursing homes, licensed bed-andbreakfasts, and hotels and motels with normal room rentals for less than 6 months. •construction date Check 1 of the 5 boxes in the first part of this section. Enter the appropriate date in the space provided. o Building Permit Date Select this box if construction began within 180 days of the building permit date and enter the building permit date. o Date of Construction Select this box if construction began more than 180 days after the building permit date and enter the date of the start of construction. o Substantial Improvement Date Select this box if the building has been substantially improved or damaged. If the building has been substantially improved, enter the date that substantial improvement started or the building permit date. If the building has been substantially damaged, enter the date that substantial damage occurred. Substantial improvement is any reconstruction, rehabilitation, addition, or other improvement of a building, the cost of which equals or exceeds 50% of the market value of the building before the start of construction of the improvement. Substantial damage is damage of any origin sustained by a building whereby the cost of restoring the building to its before-damaged condition would equal or exceed 50% of the market value of the building before the damage occurred. Do not select this box for substantial improvement to a Pre-FIRM building where the improvement is an addition next to and in contact with the existing building and the lowest floor elevation of the addition is at or above BFE. Select the Building Permit Date box or the Date of Construction box as applicable and enter the appropriate date. Do not select this box if the building qualifies as a historic building; see the Definitions section for more information. o Manufactured (Mobile) Homes/Travel Trailers Located in a Mobile Home Park or Subdivision Select this box if the manufactured (mobile) home or travel trailer is located inside a mobile home park or subdivision, and enter the construction date of the mobile home park or subdivision facilities. PRP9 OctOber 1, 2011 o Manufactured (Mobile) Homes/Travel Trailers Located Outside a Mobile Home Park or Subdivision Select this box if the manufactured (mobile) home or travel trailer is located outside a mobile home park or subdivision, and enter the date of permanent placement. •make, model, and serial number Enter make, model, and serial number of manufactured (mobile) home/travel trailer. •insured’s Principal residence Check YES if the building is the policyholder’s principal residence; otherwise, check NO. •building type Check the number of floors in the entire building, including the basement/enclosed area if applicable, in the appropriate space. If the building’s enclosure or crawlspace is eligible for exclusion from rating, do not count the enclosed area as a floor. If a building elevated on a crawlspace has an attached garage without openings, it must be rated using the With Basement or Enclosure rate table; see the Lowest Floor Determination subsection in the Lowest Floor Guide section of this manual. o 1 Floor – excludes unfinished attic; o 2 Floors – includes basement, enclosure, crawlspace, and subgrade crawlspace; o 3 or More Floors – includes basement, enclosure, crawlspace, and subgrade crawlspace; o Split Level – A foundation with a vertical offset in the floor framing on either side of a common wall; o Manufactured (Mobile) Home or Travel Trailer – Must be built on a permanent chassis and affixed to a permanent foundation, regardless of size. •condo Form of Ownership Check YES if the building is under a condominium form of ownership; otherwise, check NO. (A homeowners association [HOA] may or may not be in a condominium form of ownership.) Refer to the Condominiums section for rating guidelines. Check YES if the coverage is for a condominium unit; otherwise, check NO. Check YES if the coverage is for a townhouse/ rowhouse condo unit; otherwise, check NO. •contents Check the box that describes the location of the contents to be insured. •estimated replacement cost Using normal company practice, estimate the Replacement Cost Value (RCV) and enter it in the space provided. Include the cost of the building foundation when determining the RCV. •building Use Check the box that indicates the insured building’s use. If OTHER, describe the building use. •basement/enclosure/crawlspace/subgrade crawlspace Check whether the building contains: o basement – Any area of the building, including any sunken room or sunken portion of a room, having its floor below ground level (subgrade) on all sides. PRP10 OctOber 1, 2011 o enclosure – That portion of an elevated building below the lowest elevated floor that is either partially or fully shut in by rigid walls. A garage below or attached to an elevated building is considered an enclosure. NOTE: A finished (habitable) area is an enclosed area that has more than 20 linear feet of interior finished walls (paneling, etc.). An unfinished area is an enclosed area that is used only for the parking of vehicles, building access, or storage purposes and that does not meet the definition of a finished (habitable) area. o crawlspace – In an elevated building, an under- floor space that has its interior floor area (finished or not) no more than 5 feet below the top of the next-higher floor. o subgrade crawlspace – A crawlspace foundation where the subgrade under-floor area is no more than 5 feet below the top of the next-higher floor and no more than 2 feet below the lowest adjacent grade on all sides. (A building with a subgrade crawlspace is not an elevated building.) NOTE: For buildings insured under the PRP that have crawlspaces or subgrade crawlspaces, use the Without Basement or Enclosure section of the rate table. K. Notice–BuildingEligibility Check YES if the building is located in an SFHA; otherwise, check NO. Check YES for any of the conditions above that apply; otherwise, check NO. NOTE: If the answer to either question A or question B is YES, this risk is not eligible for the PRP, except for buildings eligible under the 2-year PRP Eligibility Extension. L. Premium 1. Enter the coverage selected, and the premium, from the appropriate PRP premium tables in this section. 2. Add the $50 Probation Surcharge, if applicable. Deduct$5ifthisisanapplicationforacondominium unit. M. Signature The agent/producer must sign and date the PRP application and is responsible for the completeness and accuracy of the information provided on it. NOTE:The waiting period, if applicable, is added to this date to determine the policy effective date entered in the Policy Term section of the application. Electronic transactions are permitted if the business process includes authentication of signatures and dates of receipt of premium. WYO Companies are responsible for determining the business practices and transaction authentication methods they will use to ensure the security and integrity of such transactions. A credit card payment by VISA, MasterCard, Discover, or American Express will also be acceptable if a disclaimer form, signed by the insured, is submitted with the PRP application. The disclaimer will state that cancellation of a policy due to a billing dispute will be permitted only for a billing error or fraud. If the credit card information is taken over the telephone, the agent/producer may sign the authorization form on behalf of the payor only after having read the disclaimer to the payor. PRP11 OctOber 1, 2011 this page is intentionally left blank. PRP12 mAY 1, 2011 PRP13 mAY 1, 2011 PRP14 mAY 1, 2011 MORTGAGEPORTFOLIOPROTECTIONPROGRAM I. BACKGROUND The Mortgage Portfolio Protection Program (MPPP) was introduced on January 1, 1991, as an additional tool to assist the mortgage lending and servicing industries in bringing their mortgage portfolios into compliance with the flood insurance requirements of the Flood Disaster Protection Act of 1973. The MPPP is not intended to act as a substitute for the need for mortgagees to review all mortgage loan applications at the time of loan origination and comply with flood insurance requirements as appropriate. Proper implementation of the mandatory purchase requirements usually results in mortgagors, after their notification of the need for flood insurance, either showing evidence of such a policy, or contacting their insurance agent/producer or their insurer to purchase the necessary coverage. It is intended that flood insurance policies be written under the MPPP only as a last resort, and only on mortgages whose mortgagors have failed to respond to the various notifications required by the MPPP. II. REQUIREMENTS FOR PARTICIPATING IN THEMPPP The following paragraphs represent the criteria and requirements that must be followed by all parties engaged in the sale of flood insurance under the National Flood Insurance Program (NFIP) Mortgage Portfolio Protection Program. A. General 1. All mortgagors notified, in conjunction with this program, of their need to purchase flood insurance must be encouraged to obtain a Standard Flood Insurance Policy (SFIP) from their agent/producer or insurer. 2. When a mortgagee or a mortgage-servicing company discovers, at any time following loan origination, that there is no evidence of flood insurance on a property in a Special Flood Hazard Area (SFHA), then the MPPP may be used by such lender/servicer to obtain (force-place) the required flood insurance coverage. The MPPP process MORTGAGEPORTFOLIOPROTECTIONPROGRAMRATEAND INCREASEDCOSTOFCOMPLIANCE(ICC)TABLE1,2 ZONE MPPP Rates PeR $100 of Building CoveRage3 MPPP Rates PeR $100 of Contents CoveRage3 iCC PReMiuM foR $30,000 CoveRage4, 5 emergency Program Community 3.92 3.96 N/A a Zones – all building & occupancy types, except a99, aR, aR dual Zones 3.92 /1.99 3.96 /1.90 $70 v Zones – all building & occupancy types 5.84 /5.84 5.49 /5.49 $70 a99 Zone, aR, aR dual Zones 1.01 / .60 1.35 / .54 $5 1 Add Federal Policy Fee and Probation Surcharge, if applicable, when computing the premium. 2 MPPP policies are not eligible for Community Rating System premium discounts. 3 Basic and additional insurance limits are shown in the Rating section. 4 ICC coverage does not apply to contents-only policies or to individually owned condominium units insured under the Dwelling Form or General Property Form. 5 The ICC premium is not eligible for the deductible discount. First calculate the deductible discount, then add in the ICC premium. MPPP1 OctOber 1, 2011 can be accomplished with limited underwriting information and with special flood insurance rates. 3. In the event of a loss, the policy will have to be reformed if the wrong rate has been applied for the zone in which the property is located. Also, the amount of coverage may have to be changed if the building occupancy does not support that amount. 4. It will be the Write Your Own (WYO) Company’s responsibility to notify the mortgagor of all coverage limitations at the inception of coverage and to impose those limitations that are applicable at the time of loss adjustment. B. WYOArrangementArticleIII–Fees With the implementation of the MPPP, there is no change in the method of WYO Company allowance from that which is provided in the Financial Assistance/ Subsidy Arrangement for all flood insurance written. C. UseofWYOCompanyFeesforLenders/Servicers orOthers 1. No portion of the allowance that a WYO Company retains under the WYO Financial Assistance/ Subsidy Arrangement for the MPPP may be used to pay, reimburse, or otherwise remunerate a lending institution, mortgage servicing company, or other similar type of company that the WYO Company may work with to assist in its flood insurance compliance efforts. 2. The only exception to this is a situation where the lender/servicer may be actually due a commission on any flood insurance policies written on any portion of the institution’s portfolio because it was written through a licensed property insurance agent/producer on their staff or through a licensed insurance agency owned by the institution or servicing company. D. Notification 1. WYO Company/Mortgagee – Any WYO Company participating in the MPPP must notify the lender or servicer, for which it is providing the MPPP capability, of the requirements of the MPPP. The WYO Company must obtain signed evidence from each such lender or servicer indicating their receipt of this information, and keep a copy in its files. 2. Mortgagee to Mortgagor – In order to participate in the MPPP, the lender (or its authorized representative, which typically will be the WYO Company providing the coverage through the MPPP) must notify the borrower of the following, at a minimum: a. The requirements of the Flood Disaster Protection Act of 1973; b. The flood zone location of the borrower’s property; c. The requirement for flood insurance; d. The fact that the lender has no evidence of the borrower’s having flood insurance; e. The amount of coverage being required and its cost under the MPPP; and f. The options of the borrower for obtaining conventionally underwritten flood insurance coverage and the potential cost benefits of doing so. A more detailed discussion of the notification requirements is made a part of this program document under “O. Policy Declarations Page Notification Requirements” on page MPPP 3. E. Eligibility 1. Type of Use – The MPPP will be allowed only in conjunction with mortgage portfolio reviews and the servicing of those portfolios by lenders and mortgage servicing companies. The MPPP is not allowed to be used in conjunction with any form of loan origination. 2. Type of Property – The standard NFIP rules apply, and all types of property eligible for coverage under the NFIP will be eligible for coverage under the MPPP. F. SourceofOffering The force-placement capability will be offered by the WYO Companies only and not by the NFIP Servicing Agent. G. DualInterest The policy will be written covering the interest of both the mortgagee and the mortgagor. The name of the mortgagor must be included on the Application Form. It is not, however, necessary to include the mortgagee as a named insured because the Mortgage Clause (section VII.Q. of the Dwelling Form and the General Property Form) affords building coverage to any mortgagee named as mortgagee on the Flood Insurance Application. If contents coverage for the mortgagee is needed, the mortgagee should be included as a named insured. H. TermofPolicy NFIP policies written under the MPPP will be for a term of 1 year only (subject to the renewal notification process). MPPP2 May 1, 2011 I. CoverageOffered Both building and contents coverage will be available under the MPPP. The coverage limits available under the Regular Program will be $250,000 for building coverage and $100,000 for contents. If the WYO Company wishes to provide higher limits that are available to other occupancy types such as other residential or non-residential, it may do so only if it can indicate that occupancy type as appropriate. If the mortgaged property is in an Emergency Program community, then the coverage limits available will be $35,000 for building coverage and $10,000 for contents. Again, if the higher limits are desired for other types of property, then the building occupancy type must be provided at the inception of the policy or when that information may become available, but it must be prior to any loss. J. PolicyForm The current SFIP Dwelling Form and General Property Form will be used, depending upon the type of structure insured. In the absence of building occupancy information, the Dwelling Form should be used. K. WaitingPeriod The NFIP rules for the waiting period and effective dates apply to the MPPP. L. PremiumPayment The current rules applicable to the NFIP will apply. The lender or servicer (or payor) has the option to follow its usual business practices regarding premium payment, so long as the NFIP rules are followed. M. Underwriting–Application 1. The MPPP will require less underwriting information than normally required under the standard NFIP rules and regulations. The MPPP data requirements for rating and processing are, at a minimum: a. Name and mailing address of insured (mortgagor; also see Dual Interest); b. Address of insured (mortgaged) property; c. Community name, number, map panel number and suffix, and program type (Emergency and Regular); d. Occupancy type (so statutory coverage limits are not exceeded. This information may be difficult to obtain. Also see Coverage Offered.); e. NFIP flood zone where property is located (lender must determine, in order to determine if flood insurance requirements are necessary and to use the MPPP); f. Amount of coverage; g. Name and address of mortgagee; and h. Mortgage loan number. 2. No elevation certificates will be required as there will be no elevation rating. N. Rates See table on page MPPP 1. O. Policy Declarations Page Notification Requirements In addition to the routine information, such as amounts of coverage, deductibles, and premiums, that a WYO Company may place on the policy declarations page issued to each insured under the NFIP, the following messages are required: 1. This policy is being provided for you as it is required by Federal law as has been mentioned in the previous notices sent to you on this issue. Since your mortgage company has not received proof of flood insurance coverage on your property in response to those notices, we provide this policy at their request. 2. Therateschargedforthispolicymaybeconsiderably higher than those that may be available to you if you contact your local insurance agent/producer (or the WYO Company). 3. The amounts of insurance coverage provided in this policy may not be sufficient to protect your full equity in the property in the event of a loss. 4. You may contact your local insurance agent/producer (or WYO Company) to replace this policy with a conventionally underwritten SFIP, at any time, and typically at a significant savings in premium. The WYO Company may add other messages to the declarations page and make minor editorial modifications to the language of these messages if it believes any are necessary to conform to the style or practices of that WYO Company, but any such additional messages or modifications must not change the meaning or intent of the above messages. Since the amount of underwriting data obtained at the time of policy inception will typically be limited, the extent of any coverage limitations (such as when replacement coverage is not available or coverage is limited because the building has a basement or is considered an elevated building with an enclosure) will be difficult to determine. It is, therefore, the responsibility of the WYO MPPP3 OctOber 1, 2011 Company to notify the mortgagor/insured of all coverage limitations at the inception of coverage and impose any that are applicable at the time of the loss adjustment. P. PolicyReformation–PolicyCorrection In the event that the premium payment received is not sufficient to purchase the amounts of insurance requested, the policy shall be deemed to provide only such insurance as can be purchased for the entire term of the policy for the amount of premium received. With 2 exceptions, where insufficient premium is discovered after a loss, the complete provisions for reduction of coverage limits or reformation are described in: •Dwelling Form, section VII, paragraph G.; and •General Property Form, section VII, paragraph G. The property must be insured using the correct SFIP form in order for these 2 exceptions to apply. The 2 exceptions are following and apply only when after a loss it is discovered that the premium is insufficient to provide the coverage requested: 1. Any additional premium due will be calculated prospectively from the date of discovery; and 2. The automatic reduction in policy limits is effective the date of discovery. This will provide policyholders with the originally requested limits at the time of a claim arising before the date of discovery without paying any additional premium. Policyholders will then have 30 days to pay the additional premium that is due for the remainder of the policy term, to restore the originally requested limits without a waiting period. However, all claim payments will be based on the coverage limitations provided in accordance with the correct flood zone for the building location and not on the zone shown on the flood policy if it is in error. When coverage is issued using an incorrect SFIP form, the policy is void and the coverage must be written under the correct form. The provisions of the correct SFIP form apply. The coverage limits must be reformed according to the provisions of the correct SFIP form and cannot exceed the coverage limits originally issued under the incorrect policy. Q. Coverage Basis – Actual Cash Value or Replacement Cost There are no changes from the standard practices of the NFIP for these provisions. The coverage basis will depend on the type of occupancy of the building covered and the amount of coverage carried. R. Deductible A $1,000 deductible is applicable for policies written under the MPPP. S. FederalPolicyFee There is no change from the standard practice. The Federal Policy Fee in effect at the time the MPPP policy is written must be used. T. Renewability The MPPP policy is a 1-year policy. Any renewal of that policy can occur only following the full notification process that must take place between the lender (or its authorized representative) and the insured/ mortgagor, when the insured/mortgagor has failed to provide evidence of obtaining a substitute flood insurance policy. U. Cancellations The NFIP Flood Insurance Manual rules for cancellation/ nullification are to be followed, when applicable. V. Endorsement An MPPP policy may not be endorsed to convert it directly to a conventionally underwritten SFIP. Rather, a new policy application, with a new policy number, must be completed according to the underwriting requirements of the SFIP, as contained in the NFIP Flood Insurance Manual. The MPPP policy may be endorsed to assign it under rules of the NFIP. It may also be endorsed for other reasons such as increasing coverage. W. AssignmenttoaThirdParty Current NFIP rules remain unchanged; therefore, an MPPP policy may be assigned to another mortgagor or mortgagee. Any such assignment must be through an endorsement. X. ArticleXIII –RestrictiononOtherFloodInsurance Article XIII of the Arrangement is also applicable to the MPPP and, as such, does not allow a company to sell other flood insurance that may be in competition with NFIP coverage. This restriction, however, applies solely to policies providing flood insurance. It also does not apply to insurance policies provided by a WYO Company in which flood is only 1 of several perils provided, or when the flood insurance coverage amounts are in excess of the statutory limits provided under the NFIP or when the coverage itself is of such a nature that it is unavailable under the NFIP, such as blanket portfolio coverage. MPPP4 OctOber 1, 2011 Y. ParticipatingWYOCompanies A list of the WYO Companies that participate in the MPPP is available on FEMA’s website at http://www.fema.gov/nfipInsurance/search.do? action=Search&state=mppp. MPPP5 OctOber 1, 2011 GENERALCHANGEENDORSEMENT The National Flood Insurance Program (NFIP) General Change Endorsement form cannot be used to renew a policy, or extend or change a policy year. However, the General Change Endorsement form or a similar request with the necessary information can be used to make certain types of coverage and rating changes or corrections to existing policy data. I. ENDORSEMENTRULES A. CoverageEndorsements 1. Addition of Coverage or Increase in Amount of Insurance Added coverage, or an increase in the amount of insurance, is permitted at any time during a policy year. The additional premium is calculated pro rata for the balance of the policy year, at either the rate in effect on the endorsement effective date or the rate in effect on the policy effective date, in accordance with each Write Your Own (WYO) Company’s standard business practice. (See Examples 1 through 4 at the end of this section.) Refer to the General Rules section for the applicable waiting period. 2. Reduction in Amount of Insurance A reduction in the amount of building insurance cannot be made unless part of the building has been removed, which reduces the building’s value to less than the amount of the building insurance, or a current appraisal or cost estimate is provided which shows that the building’s current coverage amount is higher than the estimated replacement cost of the building. (See Example 5 at the end of this section.) A reduction in the amount of contents insurance cannot be made unless some of the contents have been sold or removed, which reduces the contents’ value to less than the amount of the contents insurance. If the insured has a non-NFIP policy, the coverage can be reduced to the amount of the non-NFIP policy deductible. 3. Removal of Coverage There is no return premium for the removal of building or contents coverage unless the property is no longer at the described location or the property of the policyholder. (See Example 6 at the end of this section.) B. RatingEndorsements 1. Rate Reduction It is not permissible to revise a policy’s rating during a policy year, due to a rate decrease, unless the effective date of the rate change is prior to the policy’s effective date. 2. Rating Adjustment NFIP rules require that the policy must be in effect in order to process refunds. Rating adjustments will be allowed for only the current year for the following situations: •Use of the grandfather rules. The endorsement effective date is the effective date of the current policy year. •Use of the V-Zone Risk Factor Rating Form. The endorsement effective date is either the date the V-Zone Risk Factor Rating Form was certified or the effective date of the current policy year, whichever is later. •Use of the Federal Emergency Management Agency (FEMA) Special Rates (see the Rating section). The endorsement effective date is the date that FEMA provided the rates. •Revision of alternative rates (rates used for Pre- FIRM rated risks where the zone is unknown). The endorsement effective date is the effective date of the current policy year. •Use of Post-FIRM rating for a Pre-FIRM building. The refund will be processed if the insured provides an Elevation Certificate (EC). The endorsement effective date is the effective date of the current policy year. •Use of an EC on Post-FIRM buildings rated using “Without Certification of Compliance or Elevation Certificate” for zones AO and AH, or “No Elevation Certificate or No BFE” for Unnumbered A Zone. The endorsement effective date is the effective date of the current policy year. •Use of an updated EC. The endorsement effective date is the effective date of the current policy year. 3. Revision of an Alternative Rating Alternative rating is used to determine the premium on a Renewal Notice following conversion of a community from the Emergency Program to the Regular Program. Alternative rates are also used by agents/producers for the rating of Pre- FIRM construction. Alternative rating allows the END1 May 1, 2012 agent/producer and the policyholder 1 year to revise the rating, so a premium refund can be obtained from the renewal or inception date if it is determined that the insured property is located in a lower-rated zone. During subsequent policy years, such revisions may also be made effective with the start of the policy year. 4. Map Revision A policy may be endorsed to revise the flood zone or change the Base Flood Elevation (BFE) in which a building is located to provide a more favorable rating due to a physical revision of the FIRM, a Letter of Map Amendment (LOMA), or a Letter of Map Revision (LOMR). The effective date of the endorsement to rate a policy with the current zone must be the effective date of the map revision. The following endorsement rules must be used: •If a map revision or amendment became effective during the current policy year, the refund for the premium difference after revising the zone or BFE is prorated, using the date of the map revision or amendment as the endorsement effective date. •If a map revision or amendment became effective in the previous policy year, a refund of the premium difference is granted for the current policy year and either the pro-rata or full portion of the previous policy year, depending on the map revision or amendment date. The endorsement effective date is the map revision or amendment date or the previous policy year inception date, whichever is later. •If the policy has expired, the endorsement request must be received within 6 months of the expiration date; otherwise, no refund is available. Before refunding a premium for an expired term, the insurer must check with the policyholder for the existence of a current policy with another WYO Company. Under no circumstances will an insured be allowed a refund for more than 2 policy years, regardless of whether the same or different WYO Company or Companies issued the policy or policies. Before processing the endorsement, the agent/ producer should check the Flood Map Status Information Service to make sure that the LOMA or LOMR is still valid (or has been recertified) based on the most recent map revision. Also, if the revised map changes the BFE, verify that the same elevation datum is used to determine the building elevations on the EC. When a community has been converted from the Emergency Program to the Regular Program, the policy rating may be revised to reflect the correct flood zone. However, no premium refund is allowed on premium previously paid. C. MisratedPolicy A flood policy can be endorsed to correct misratings. Misratings that may generate refunds include only the following errors made at the time of application: •Building description; •Flood zone; •BFE; •Community number; and •Lowest floor used for rating. A premium refund for a misrated policy going back a maximum of 6 calendar years from the current policy year will be allowed with proper documentation (see III.B.2.a.). Any lapse in coverage is included in determining the number of years for which a premium refund is allowed. NOTE: The presentment of additional rating information (e.g., use of Post-FIRM rating for a Pre- FIRM building) or a change in the rating information (e.g., a new EC, a LOMA, or a map revision) is not considered a misrating. See subsection “B. Rating Endorsement” in this section. D. ConversionofStandard-RatedPolicy toPRPDue toMisrating A policy written as a standard-rated B, C, or X Zone policy and later found to be eligible for a Preferred Risk Policy (PRP) may be endorsed or rewritten as a PRP for only the current policy year. When the risk has been misrated since the time of application with a zone other than B, C, or X but is later found to be in a B, C, or X Zone and eligible for a PRP, the insurer will be allowed to endorse or cancel/rewrite up to 6 years. Thepolicymaybecanceled/rewrittenusingCancellation Reason Code 22 if both of the following conditions are met: •The request to endorse or cancel/rewrite the policy is received during the current policy year; and •The policy has no open claim or closed paid claim. The new PRP building coverage will be equal to either the building limit issued under the standard-rated B, C, or X Zone policy or the next-higher limit available under the PRP if there is no PRP option equal to the standard- rated B, C, or X Zone building limit. For a standard-rated contents-only policy, the contents coverage will be equal to the limit issued under the standard-rated policy or the END2 May 1, 2012 next-higher limit. If building coverage is desired, or the building and/or contents coverage requested exceeds the limits described above, the coverage should be endorsed with a 30-day waiting period. E. ChangingDeductibles Increasing deductibles is permitted during the current policy year. (See Example 7 at the end of this section.) Deductibles cannot be reduced mid-term, unless required by the mortgagee and written authorization is provided by the mortgagee. A 30-day waiting period will apply unless the request to reduce the deductible is in connection with making, increasing, extending, or renewing a loan. The Increased Cost of Compliance (ICC) Premium is not eligible for the deductible discount or surcharge. First calculate the deductible discount or surcharge, then add in the ICC Premium. F. PropertyAddress Corrections A flood policy may not be endorsed to change the insured property location. This includes relocation from 1 unit to another unit within the same building, and relocation of a mobile home/travel trailer to a new location. An endorsement may not be submitted when it will result in a change to the actual building to be insured, regardless of whether a loss has or has not occurred. A new Application and a new premium must be submitted, and any applicable waiting period for the SFIP to become effective will apply. The following exceptions allow for a property address correction: 1. An endorsement may be submitted to correct an erroneous property address (e.g., one made through typographical error or an Emergency 911 property address change) when it does not result in a change of the building to be insured. In the case where there are no paid or pending claims, a correction can be made without a waiver from the Federal Insurance Administrator of the requirement to submit accurate information in Section I of the SFIP. The address may be corrected in the following situations: •The property address submitted on the Application was typed incorrectly, and the building description, coverage, and rating elements belong to the building at the address indicated on the correction endorsement; or •The address used to describe the insured building indicated on the Application has changed with the United States Post Office; or •A postal address is being supplied for a descriptive or legal address originally provided on the Application. 2. In a situation where there is a pending claim, and the agent/producer indicates that the address on the policy is not the correct address for the building intended to be insured, a waiver may be sought from the Federal Insurance Administrator of the requirement to submit accurate information in Section I of the SFIP in the following instances: •The property address submitted on the Application was typed incorrectly, and the building description, coverage, and rating elements belong to the building at the address indicated on the correction endorsement, and the insured has no insurable interest in the building at the address incorrectly indicated on the application; or •The address used to describe the insured building indicated on the Application has changed with the United States Post Office. The agent/producer must demonstrate that the building description, coverage, and rating elements belong to the building at the address indicated on the correction endorsement; or •A postal address is being supplied for a descriptive or legal address originally provided on the Application. The agent/producer must demonstrate that the building description, coverage, and rating elements belong to the building at the address indicated on the waiver request. No pending claim on a policy requiring an address change can be paid without FEMA approval. II. ENDORSEMENTPROCESSINGPRIORTOPOLICY RENEWAL(NFIPDIRECTBUSINESSONLY) A. DuringtheLast90DaysofPolicyYear 1. If the premium payment for renewal of the policy has not already been processed by the NFIP, a processed General Change Endorsement will produce a revised Renewal Notice for the upcoming policy year. 2. If the original Renewal Notice has not been paid, the payor may use the revised Renewal Notice or subsequent Final Notice. B. DuringtheLast75DaysofPolicyYear 1. If the original Renewal Notice has not been paid, the agent/producer must submit the General Change Endorsement for the current policy year only and submit a renewal Application for the upcoming policy year. A separate premium payment must be submitted for each transaction. (The insured and/or mortgagee, if payor, should be advised not to pay the Renewal Notice or Final Notice when a renewal Application and premium have been submitted.) END3 May 1, 2012 2. If the original Renewal Notice has been paid, the agent/producer must submit the General Change Endorsement together with any required additional premium for the renewal policy year and, if applicable, a separate General Change Endorsement and additional premium for the remainder of the current policy year. The effective date of the endorsement to increase coverage (up to the inflation factor) will be the “renewal date” only if the endorsement and additional premium are received within the 30-day grace period. C. RefundsGeneratedfromEndorsementProcessing The return premium is based on rates in effect on the effective date of the change or the policy effective date, in accordance with the WYO Company’s standard business practice. It is calculated by revising the rate, effective from the inception date of the current policy year, provided the inception date is on or after the community conversion date. The Federal Policy Fee and Probation Surcharge (if applicable) are not subject to calculation of return premiums. III. PREPARATIONOFFORM A. GeneralInstructions Endorsements are processed by submitting a completed General Change Endorsement form and proper documentation (see III.B.2.a.) to the insurer. Instructions for completing the General Change Endorsement form are self-explanatory. The following items are of special note: •The policy year cannot be changed. All calculations must reflect the policy year shown on the current declarations page. •A geographic location must be given for a property. For example, the insured’s mailing address may be shown as: Route 4 Box 179 Danville, OH 43014 The property location should be completed as: Farmhouse on the north side of U.S. 70, 6 miles west of Danville, OH 43014. •Check whether the building was built in compliance or has had continuous coverage. If grandfathering for continuous coverage, enter the prior policy number. If the building was built in compliance, enter the applicable community identification number, map panel number, suffix, FIRM zone, and, if applicable, the BFE. •The contents location section should be completed if contents coverage is being added/deleted or if the location of the contents being insured within the described building has changed. Provide an explanation of the change of location in the description area of the section. •All endorsements, whether paper or electronic form, must be signed. Electronic transactions are permitted if the business process includes authentication of signatures and dates of receipt of premium. WYO Companies are responsible for determining the business practices and transaction authentication methods they will use to ensure the security and integrity of such transactions. •The insured must sign and date the General Change Endorsement form whenever there is a request to reduce policy limits, make policy assignment, or change the agent/producer of record. B. RefundProcessingProcedures 1. The current insurer will be responsible for returning the premium for the current and the prior policy year, provided that it was the insurer for that period. If another NFIP insurer was the insurer for the prior policy year, it will be responsible for returning the premium for that policy year. Agents/ producers submit refund requests to their insurer. 2. Requests for refunds for more than 2 policy years must be processed by the NFIP Bureau and Statistical Agent (NFIP Bureau). a. For requests processed by the NFIP Bureau, the current insurer must submit all of the documentation necessary to make a refund for any period exceeding 2 policy years. At a minimum, this documentation will consist of the following: •The company’s statistical records or declarations pages for each policy year and evidence of premium payments obtained from the insured if these documents are not available from the company’s records. •An endorsement request for each policy year and the premium refund calculation for each policy year that the company had the policy. •A LOMA; a LOMR; a LODR; a copy of the most recent flood map marked to show the exact location and flood zone of the building; a letter indicating the exact location and flood zone of the building, and signed and dated by a local END4 May 1, 2012 community official; an EC indicating the exact 3. WYO Companies will be notified of the premium location and flood zone of the building, and refunded and the Expense Allowance due to signed and dated by a surveyor, an engineer, the NFIP. The companies must maintain this an architect, or a local community official; or documentation as part of their underwriting files. a flood zone determination certification that 4. Any lapse in coverage does not extend the number guarantees the accuracy of the information. of policy years the premium refund is allowed. b. In order for the NFIP Bureau to process a refund request, the appropriate documentation must The NFIP Bureau will return to the sender any be mailed directly to: unauthorized refund requests for more than 2 policy years. NFIP Bureau and Statistical Agent Underwriting Department 8400 Corporate Dr., Suite 350 Landover, MD 20785 END4A May 1, 2012 This page is intentionally left blank. END4B May 1, 2012 POLICYRENEWALS I. GENERALINFORMATION A. RenewingfortheSame Coverage–OptionA The Standard Flood Insurance Policy (SFIP) is not a continuous policy. Each policy contract expires at 12:01 a.m. on the last day of the policy term. Renewal of an expiring policy establishes a new policy term and new contractual agreement between the policyholder and the Federal Emergency Management Agency (FEMA). The National Flood Insurance Program (NFIP) must issue a notice of expiration not less than 45 days before the expiration of the flood insurance policy by first-class mail to the owner of the property, the servicer of any loan secured by the property, and (if known) the owner of the loan. All policies, including Submit-for-Rate, must be renewed using the rates in effect on the renewal date. Policy renewal documentation and premium should be submitted to the NFIP in advance of the policy expiration date to ensure there is no lapse in coverage. There are 2 ways to renew a policy: •The agent/producer should complete the entire Flood Insurance Application when recertifying or changing policy information, and mail it with the Total Prepaid Amount to the insurer. The 30-day waiting period applies when an additional amount of insurance requested at renewal time is higher than the amount listed on the renewal bill provided by the insurer. The beginning of the waiting period is determined by the standard rules. In order for the coverage amount higher than the inflation option to take effect on the renewal date, the full premium must be received at least 30 days prior to the renewal effective date. OR •The payor should respond to a Renewal Notice by selecting an option shown on the direct mail notice and returning it with the Total Prepaid Amount to the insurer. II. RENEWALNOTICE All parties listed on the policy (insured, agent/producer, mortgagees) are mailed a Renewal Notice 45 days prior to the policy expiration date. The party designated on the policy record as the payor receives the payor’s copy of the bill; all other parties receive a copy that states “THIS IS NOT A BILL.” Option A of the Renewal Notice shows current amounts of insurance and deductibles at the time the Renewal Notice is printed. B. InflationFactor–OptionB Option B shows premium for amounts of insurance increased by an inflation factor of 10% for building coverage and 5% for contents coverage. The current deductible is used. For Preferred Risk Policies (PRPs), Option B is the next-higher coverage package available. There is no waiting period if Option B is chosen. The inflation option will be no higher than the replacement cost on record for that policy. If coverage higher than the current replacement cost on record is desired, updated replacement cost documentation must be submitted. C. NonrenewalandCancellation Renewal Notices will not be generated and policies will not be renewed for the following situations: •Building under construction; •Tentatively rated policy; •Suspended community; •Provisional rating; •Group Flood Insurance Policy; •PRP ineligibility; and •Section 1316 property. However, in each of the situations above, any mortgagee named on the policy must be notified of the nonrenewal or cancellation, as required by the Mortgage Clause of the SFIP (see the Policy section, General Conditions, “Q. Mortgage Clause” in all policy forms). Within 5 days of the policy expiration date, an appropriately worded expiration notice must be sent to the mortgagee, with copies to the agent/producer and the insured. III. PREMIUMPAYMENTDUE To ensure that the policy is renewed without a lapse in coverage, the premium must be received by the insurer within 30 days after the expiration date. As an alternative, the premium can be mailed by certified mail within 30 days after the expiration date. The term “certified mail” has been broadened to include not only the U.S. Postal Service, but also certain third- party delivery services. For details, see the Receipt Date subsection in the General Rules section. Use the renewal date plus 29 days to determine whether the renewal premium was received within 30 days. REN1 May 1, 2011 Renewal payments may also be paid by VISA, MasterCard, Discover, or American Express. Use the detachable payment stub at the bottom of the Renewal Notice and Final Notice, or use the Credit Card Payment Form at the end of this section. The form is also available in the Forms Library on the NFIP Servicing Agent’s website at http://www.nfipservices.com. If a charge is declined, you will be notified by mail. Electronic transactions are permitted if the business process includes authentication of signatures and dates of receipt of premium. Write Your Own (WYO) Companies are responsible for determining the business practices and transaction authentication methods they will use to ensure the security and integrity of such transactions. IV. FINALNOTICE If the premium payment is not received by the insurer by the date of expiration, a Final Notice is produced. This notice is mailed to the agent/producer, insured, and mortgagee. The expired policy will be reissued with a new effective date if the premium payment is not received by the insurer within 30 days following the policy expiration date. Mortgagee protection under the policy shall continue in force after the expiration of the policy for 30 days from the mailing date. V. RENEWALEFFECTIVEDATEDETERMINATION Renewal dates are calculated as follows: •If the Final Notice and the premium payment are received by the insurer within 30 days following the expiration, the policy will be issued under the same policy number as the previous term, with no lapse in coverage. For example, if the policy expires on May 1, the Final Notice and premium payment must be received on or before May 30. •If the Final Notice and the premium payment are received by the insurer after the 30-day period, but within 90 days following the expiration, the policy will be placed in force 30 days following receipt by the insurer. •If the Final Notice and the premium payment are received after 90 days following the expiration date, the agent/producer must submit a new application with the full annual premium. The standard 30-day waiting period will apply. VI. INSUFFICIENTRENEWALINFORMATION data. A Renewal Notice will not be generated in cases where a policy application has not been corrected prior to the start of a renewal cycle. Therefore, it is important that agents/producers respond immediately to requests for additional information. VII.ENDORSEMENTSDURINGRENEWALCYCLE Endorsements received by the insurer within 75 days of the policy expiration date may not be reflected on the renewal bill. The agent/producer therefore should ensure that the new policy is properly endorsed after renewal. The agent/producer should use a renewal application to ensure that all changes are reflected on the renewal. VIII.SEVEREREPETITIVELOSSPROPERTIES All policy transactions for Severe Repetitive Loss (SRL) properties must be processed by the NFIP Special Direct Facility. See the SRL section of this manual for more information. IX. TRANSFEROFBUSINESSATRENEWAL The new insurer must collect all required underwriting information needed to verify the correct rating and issuance of the policy. However, a declarations page usually does not provide all the required underwriting information. The new insurer may use the elevation information on the declarations page issued by the previous insurer only when the Lowest Floor Elevation (LFE) and BFE are provided. The elevation information on the previous declarations page must be validated when there is a discrepancy in the building description (e.g., the Application shows a basement or an enclosure and the declarations page does not, or the Application describes a non-elevated building and the declarations page describes an elevated building). A PRP requires documentation of eligibility including verification of the flood zone. A Residential Condominium Building Association Policy (RCBAP) requires all information needed to issue and rate the policy, including photos and Replacement Cost Value (RCV) documentation. When an agent/producer moves his or her book of business from 1 insurer to another, or when an insurer acquires another’s book of business, photographs are not required. However, when transferring an individual policy, the photograph requirement applies. To generate Renewal Notices and Final Notices, the insurer must have received acceptable application REN2 OctOber 1, 2011 SUMMARY OF POLICY NOTICES NOTICES INSURED AGENT/PRODUCER MORTGAGEE RENEWALNOTICE Shown on pages REN 4–5 NFIP mails notice for payment 45 days prior to renewal date. NFIP mails notice for payment 45 days prior to renewal date. NFIP mails notice for payment 45 days prior to renewal date. FINALNOTICE Shown on pages REN 6–7 NFIP mails notice on policy expiration date. NFIP mails notice on policy expiration date. NFIP mails a 30-day notice of nonrenewal on expiration date. Mortgagee protection terminates 30 days after mailing of notice. POLICYDECLARATIONSPAGE Not shown NFIP mails policy declarations page. NFIP mails policy declarations page. NFIP mails policy declarations page. REN3 May 1, 2011 REN4 OctOber 1, 2011 REN5 OctOber 1, 2011 REN6 OctOber 1, 2011 REN7 OctOber 1, 2011 CREDIT CARD PAYMENT FORM The National Flood Insurance Program accepts flood insurance premium payments on VISA, MasterCard, American Express, and Discover credit cards. If you wish to pay for your [policy by credit card, fill out the bottom portion of this page, then detach and return it with your Flood Insurance Application, Renewal Notice or Final Notice, or General Change Endorsement Form. If your charge is not accepted, you will be notified by mail. Flood Insurance Policy Number: VISA . MasterCard . American Express . Exp. Date: / Discover . Account No.: Cardholder's Name: Amount of Charge $ Billing Address: City, State & ZIP Code: Signature: Date: / / This policy is not subject to cancellation for reasons other than those set forth in the National Flood Insurance Program rules and regulations. In matters involving billing disputes, cancellation is not available other than for billing processing errors or fraud. CREDIT CARD PAYMENT FORM The National Flood Insurance Program accepts flood insurance premium payments on VISA, MasterCard, American Express, and Discover credit cards. If you wish to pay for your [policy by credit card, fill out the bottom portion of this page, then detach and return it with your Flood Insurance Application, Renewal Notice or Final Notice, or General Change Endorsement Form. If your charge is not accepted, you will be notified by mail. Flood Insurance Policy Number: VISA . MasterCard . American Express . Exp. Date: / Discover . Account No.: Cardholder's Name: Amount of Charge $ Billing Address: City, State & ZIP Code: Signature: Date: / / This policy is not subject to cancellation for reasons other than those set forth in the National Flood Insurance Program rules and regulations. In matters involving billing disputes, cancellation is not available other than for billing processing errors or fraud. REN8 May 1, 2011 CANCELLATION/NULLIFICATION Flood insurance coverage may be terminated by either canceling or nullifying the policy, only in accordance with a valid reason for the transaction, as described in Paragraphs I.B.1–24. If coverage is terminated, the insured may be entitled to a full or partial refund under applicable rules and regulations. In some instances, the insured might be ineligible for a refund. I. PROCEDURESANDVALIDREASONS Submit a completed Cancellation/Nullification Request Form and proper documentation to the current National Flood Insurance Program (NFIP) insurer for processing. A. RefundProcessingProcedures 1. The current NFIP insurer will be responsible for returning the premium for the current policy year and 1 prior policy year, provided that it was the insurer for that period. If another NFIP insurer was the insurer for the prior policy year, it will be responsible for returning the premium for that year. 2. Requests for refunds for more than 2 years (Reason Codes 4, 6, 10, and 22 only) must be processed by the NFIP Bureau and Statistical Agent (NFIP Bureau). a. For requests processed by the NFIP Bureau, the current NFIP insurer must submit all of the documentation necessary to make a refund for any period exceeding 2 years. At a minimum, this documentation will consist of the following: •A policy cancellation request and the premium refund calculation for each year. •The company’s statistical records or declarations pages for each policy term and evidence of premium payments obtained from the insured if these documents are not available from the company’s records. •Photographs to verify ineligible risks. •For Cancellation Reason Code 22 only (standard-rated policy eligible for the Preferred Risk Policy [PRP]): A Letter of Map Amendment (LOMA); a Letter of Map Revision (LOMR); a copy of the most recent flood map marked to show the exact location and flood zone of the building; a letter indicating the exact location and flood zone of the building, and signed and dated by a local community official; an Elevation Certificate indicating the exact location and flood zone of the building, and signed and dated by a surveyor, an engineer, an architect, or a local community official; or a flood zone determination certification that guarantees the accuracy of the information. b. Mail the appropriate documentation to: NFIP Bureau and Statistical Agent Underwriting Department 8400 Corporate Dr., Suite 350 Landover, MD 20785 3. Write Your Own (WYO) Companies will be notified of the premium refunded and the Expense Allowance due to the NFIP. The companies must maintain this documentation as part of their underwriting files. 4. All existing refund rules concerning the Federal Policy Fee and agent/producer commission remain in effect. B. ValidReasonCodesforCancellation/Nullification ofNFIPPolicies The Transaction Record Reporting and Processing (TRRP) reason codes in this section are used for reporting purposes only. 1. Building Sold or Removed (TRRP Reason 01) The insured has sold or transferred ownership of the insured property and no longer has an insurable interest; the builder or developer has requested to cancel the policy mid-term because a newly created association has purchased a policy under its name; or the insured property has been removed from the described location. This reason code also may be used if the building has been foreclosed or if the building is considered a total loss because the building damage is greater than or equal to the replacement cost of the building. The effective date of the cancellation is the date the insured ceased to have an insurable interest in the property. For buildings sold, proof-of-sale documentation is required. •Type of Refund: Pro rata •Years Eligible for Refund: Up to 2 years •Cancellation Request: Must be received within 1 year of date of sale or removal if the policy has expired •Documentation: Bill of sale, settlement statement, proof of removal, proof of total loss, or court documentation to identify the refund recipient if the building is foreclosed CN1 May 1, 2011 2. Contents Sold or Removed (TRRP Reason 02) The insured has sold or transferred ownership of the insured property and no longer has an insurable interest, or the insured property has been completely removed from the described location. The effective date of the cancellation is the date the insured ceased to have an insurable interest in the property at the described location, or the date the property was removed from the described location. •Type of Refund: Pro rata •Years Eligible for Refund: Up to 2 years •Cancellation Request: Must be received within 1 year of date of sale or removal •Documentation: Bill of sale, proof of contents removal, or proof of total loss 3. Policy Canceled and Rewritten to Establish a Common Expiration Date with Other Insurance Coverage (TRRP Reason 03) The new policy must be rewritten within the same company for the same or higher amounts of coverage. However, if it is rewritten for higher amounts of coverage, the waiting period rule will apply. The agent/producer must submit a new Application and premium. Upon receipt of the new policy declarations page, the agent/producer should request cancellation of the prior policy. The effective date of the cancellation will be the same as the effective date of the new policy. •Type of Refund: Pro rata •Years Eligible for Refund: Current year •Cancellation Request: Must be received within 1 year of the new policy effective date •Documentation: Copy of new policy declarations page 4. Duplicate NFIP Policies (TRRP Reason 04) When a duplicate NFIP policy has been issued, only 1 policy can remain in effect. The insured can choose which policy is to remain in effect and which policy is to be canceled. This does not apply when there has been a deliberate creation of duplicate policies. If this event does occur, the policy with the later effective date must be canceled. Losses occurring under such circumstances will be adjusted according to the terms and conditions of the first policy. When coverage has been force-placed by a lender using a conventionally written standard-rated policy because the required underwriting information is available, that policy is considered equivalent to the Mortgage Portfolio Protection Program (MPPP) policy. The WYO Company is authorized to cancel the standard-rated (force-placed) policy, provided that a copy of the force-placement letter from the mortgagee and a copy of the policy declarations page are submitted with the Cancellation/ Nullification Request Form. The WYO Company is authorized to cancel the MPPP policy if a copy of the policy declarations page is submitted with the Cancellation/Nullification Request Form. •Type of Refund: Pro rata •Years Eligible for Refund: Up to 6 years •Cancellation Request: Must be received within 1 year of the policy expiration date •Documentation: Copy of declarations page(s) and, for the standard force-placed policy, a copy of the force-placement letter from the mortgagee 5. Non-Payment (TRRP Reason 05) When an agent/producer accepts a premium payment from a client and then submits an agency check to the insurer with the Application, the policy may be nullified if the client’s check is returned because of insufficient funds or any other reason the check is not made good to the agent/producer. The bank’s notice must be attached to the form when this situation occurs. If the agent/producer can document this, a full premium refund is provided to the agent/producer. If a WYO Company has covered the premium for a prospective insured and then does not receive payment, the policy can be nullified. This reason cannot be used if the agent/producer advanced agency funds and the client did not pay the agency. •Type of Refund: Full •Years Eligible for Refund: Current year •Cancellation Request: Must be received during the policy year •Documentation: Bank notice of non-payment 6. Risk Not Eligible for Coverage (TRRP Reason 06) This reason is used to nullify a policy when an Application was submitted and a policy was issued on a property not eligible for coverage. A clear and precise explanation must be included when submitting this type of cancellation request. Examples include the following: (1) Property is CN2 May 1, 2011 not located in a community participating in the NFIP. (The use of an incorrect community number allowed the policy to be issued.) (2) Contents are not located in an eligible building. (3) Property is located in a Coastal Barrier Resources System (CBRS) area. •Type of Refund: Full •Years Eligible for Refund: No limit, back to policy inception •Cancellation Request: Must be received within 1 year of the policy expiration date •Documentation: Tax records, Section 1316 declaration, or Coastal Barrier Resources Act (CBRA) determination, as appropriate, or photographs showing ineligibility 7. Property Closing Did Not Occur (TRRP Reason 08) This reason is used to nullify a policy when it is issued for a closing at the time of settlement on a property and the transfer of the property does not take place. The client does not actually acquire an insurable interest in the property. •Type of Refund: Full •Years Eligible for Refund: Current year •Cancellation Request: Must be received during the policy year •Documentation: Statement from title company, lender, or attorney representing the interests of title company, lender, or insured, that the property closing did not occur 8. Policy Not Required by Mortgagee (TRRP Reason 50) This provides a means to cancel a policy when coverage was required by the mortgagee for a closing and it was later determined that the property was not located in a Special Flood Hazard Area (SFHA). As a result, coverage was not required by the mortgagee. The mortgagee’s statement to this effect must be attached to the Cancellation/ Nullification Request Form. This cancellation reason can be used only if the cancellation request was made during the initial policy term. The cancellation effective date is the date the cancellation request is received by the insurer.Areviseddeterminationfromthelendermay be used to cancel the policy. A Federal Emergency Management Agency (FEMA) Out-As-Shown Determination, as a result of a LOMA application, is needed if there is a discrepancy between the lender’s and the insured’s determinations. NOTE:This cancellation reason may be used even if the policy was rated in a non-SFHA. •Type of Refund: Pro rata •Years Eligible for Refund: Current year •Cancellation Request: Must be received during the policy year •Documentation: Copy of original mandatory purchase document and current mortgagee statement that policy is not required; a revised determination from the lender showing that the building is not in an SFHA. 9. Insurance No Longer Required by Mortgagee Because Property Is No Longer Located in a Special Flood Hazard area Because of a Physical Map Revision (TRRP Reason 09) Flood insurance was initially required by the mortgagee or other lender because the property was determined to be in an SFHA. Following the physical revision of a map, if the property is no longer located in an SFHA, then the policy may be canceled provided the mortgagee confirms in writing that the insurance is no longer required because the property was removed from the SFHA. This cancellation reason may be used even if the policy was rated in a non- SFHA due to grandfathering or to the 2-year PRP Eligibility Extension. NOTE: The Residential Condominium Building Association Policy (RCBAP) requires a release from the mortgagee for each unit owner in the building or a signed release from each unit owner when there is no mortgagee. Only after this requirement is met can the policy be canceled. The condominium association must provide a signed letter that lists the number of units and specifies the owner of each unit. •Type of Refund: Full •Years Eligible for Refund: Current year in those cases where the map was revised during the current policy term, and for an additional policy year in those cases where the insured had been required to renew the policy during the 6 months before or after the effective date of the revised map, provided no claim has been paid or is pending during the policy year that is being canceled. For example, the flood policy was effective from January 1, 2009, to January 1, 2010, and renewed January 1, 2010, to January 1, 2011. The effective date of the map change is February 15, 2010. The cancellation will be effective January 1, 2009. CN3 OCTOBER 1, 2011 •Cancellation Request: Must be received during the policy year or within 6 months of the policy expiration date •Documentation: Statement from mortgagee that insurance was required as part of mortgage but is no longer required, and a copy of the revised map 10. Condominium Policy (Unit or association) Converting to RCBaP (TRRP Reason 45) This provides a means to cancel a dwelling policy covering a condominium unit because coverage is being provided under an RCBAP. This reason is used when the unit owner policy and the RCBAP limits are more than the cost of the unit, up to the maximum limits of the Program. •Type of Refund: A pro-rata premium refund, including Federal Policy Fee and Probation Surcharge, is provided. •Years Eligible for Refund: Up to 6 years •Cancellation Request: Must be received within 1 year of the policy expiration date •Documentation: Copy of RCBAP and value of unit 11. This cancellation reason code has been deactivated. 12. Mortgage Paid Off (TRRP Reason 52) This reason is used to cancel a policy that was obtained due to a requirement by a mortgagee or lender as a condition of a mortgage loan, and that mortgage loan has now been paid off, provided no claim has been paid or is pending. •Type of Refund: Pro rata •Years Eligible for Refund: Current year and the pro-rata portion of the prior policy year in those cases where the policy renewed after the mortgage was paid off •Cancellation Request: Must be received within 60 days of the date the mortgage was paid off for the cancellation to be effective on the date of payoff. When the request is received more than 60 days after the mortgage was paid off, there is no refund. •Documentation: Statement from mortgagee that mortgage has been paid off and that flood insurance was required as part of mortgage 13. Voidance Prior to Effective Date (TRRP Reason 60) This reason is used when coverage is not mandatory and a policyholder decides during the 30-day waiting period, or prior to the effective date of a renewal, not to take the policy, after submitting a premium payment. •Type of Refund: Full •Years Eligible for Refund: Current year •Cancellation Request: Must be received prior to the policy effective date •Documentation: Policyholder’s request 14. Voidance Due to Credit Card Error (TRRP Reason 70) This reason is used when an error or billing dispute occurs (processing error or fraud) on a credit card payment. •Type of Refund: Full •Years Eligible for Refund: Current year •Cancellation Request: Must be received during the policy year •Documentation: Credit card notice of nonpayment 15. Insurance No Longer Required Based on FEMa Review of Lender’s Special Flood Hazard area Determination (TRRP Reason 16) Flood insurance was initially required by the mortgagee or other lender because the property was determined to be in an SFHA. Following a review under the Flood Disaster Protection Act of 1973, as amended, FEMA issued a Letter of Determination Review (LODR) because the building or manufactured home is not in an SFHA and insurance is not required. The policy may be canceled back to inception. This cancellation reason can be used only if the request from the borrower and lender was sent to FEMA for a LODR within 45 days from the lender’s notification to the borrower that the building is in an SFHA and that flood insurance is required. This cancellation reason may be used even if the policy was rated in a non-SFHA due to grandfathering or to the 2-year PRP Eligibility Extension. •Type of Refund: Full •Years Eligible for Refund: Current year provided no claim has been paid or is pending •Cancellation Request: Must be received during the policy year or within 6 months of the policy expiration date •Documentation: Copy of FEMA’s LODR, and statement from the lender that flood insurance is not required 16. Duplicate Policies from Sources Other Than the NFIP (TRRP Reason 17) This reason code is used to cancel an NFIP policy when a duplicate policy has been obtained from sources other than the NFIP. •Type of Refund: Pro rata CN4 OCTOBER 1, 2011 •Years Eligible for Refund: Current year •Cancellation Request: Must be received within 6 months of the new policy effective date. When the request is received after 6 months, the effective date for cancellation is the receipt date of the request. •Documentation: Copy of declarations page of the new policy and a statement from the mortgagee, if any, accepting the non-NFIP policy as the replacement 17. This cancellation reason code has been deactivated. 18. Mortgage Paid Off on an MPPP Policy (TRRP Reason 52) This reason code is used to cancel an MPPP Policy after the mortgage is paid off, provided no claim has been paid or is pending. •Type of Refund: Pro rata •Years Eligible for Refund: Current year and the pro-rata portion of the prior policy year in those cases where the policy renewed after the mortgage was paid off •Cancellation Request: Must be received within 60 days of the date the mortgage was paid off for the cancellation to be effective on the date of payoff. When the request is received more than 60 days after the mortgage was paid off, there is no refund. •Documentation: Statement from mortgagee that mortgage has been paid off and that flood insurance was required as part of mortgage. 19. Insurance No Longer Required by the Mortgagee Because the Structure Has Been Removed from the SFHa by Means of a LOMa or LOMR (TRRP Reason 20) Where flood insurance was required by the mortgagee or other lender because the property was determined to be in an SFHA, and it is later determined that the property is no longer located in an SFHA through the issuance of a LOMA or LOMR, the policy can be canceled provided the lender confirms in writing that the insurance is no longer required because the property was removed from the SFHA. This cancellation reason may be used even if the policy was rated in a non-SFHA due to grandfathering or to the 2-year PRP Eligibility Extension. A copy of the LOMA or LOMR must accompany this request. This cancellation code cannot be used when a LOMA or LOMR is issued more than 60 days before the effective date of the current policy. NOTE: The RCBAP requires a release from the mortgagee for each unit owner in the building or a signed release from each unit owner when there is no mortgagee. Only after this requirement is met can the policy be canceled. The condominium association must provide a signed letter that lists the number of units and specifies the owner of each unit. •Type of Refund: Full •Years Eligible for Refund: Current year and, if applicable, 1 prior year provided the LOMA/ LOMR became effective within 60 days before the current policy’s effective date and no claim has been paid or is pending during the policy year that is being canceled. For example, the flood policy was effective from January 1, 2009, to January 1, 2010, and renewed January 1, 2010, to January 1, 2011. The effective date of the LOMA is December 1, 2009. The cancellation will be effective January 1, 2009. NOTE: If the LOMA/LOMR is dated more than 60 days prior to the most recent renewal, no refund will be issued. •Cancellation Request: Must be received during the policy year or within 6 months of the policy expiration date. •Documentation: Statement from mortgagee that flood insurance is no longer required because the property was removed from the SFHA, and a copy of the LOMA/LOMR; or, in the case of multi-property LOMAs or LOMRs that do not list the property’s specific building, street address, lot number, or rural address, any of the following and a copy of the LOMA/LOMR: o A letter that an insured received from their community official stating that their structure was removed from the SFHA by a multi- property LOMR or LOMA. o A letter from the applicable community official, on official letterhead, stating that the building was included in the area removed from the SFHA by the multi-property LOMR or LOMA, which listed only boundaries/intersections of streets, lot numbers, or rural addresses. o In cases, and only in cases, where (1) a community official could not or would not provide a letter, or (2) the structure has a rural address, the following set of 2 documents may be submitted: – A copy of a legal notice, such as a real estate assessment notice or a water/sewer notice, that shows the lot number, street or rural address, or other legal designation of the location of the structure; and CN5 OCTOBER 1, 2011 – A letter from the mortgage lender that (1) shows the lot number, street or rural address, or other legal designation of the location of the structure, and that (2) states that the structure was within the boundaries of the area removed from the SFHA by the LOMR or LOMA. Letters from community officials must match the street address and lot number with a specific multi- property LOMR or LOMA, stating that the individual building street address, lot number, or rural address (e.g., RR, Box #, Hwy) was included in the area covered by the LOMR or LOMA. The insurer may accept zone determinations in lieu of the documentation cited above for these situations. 20. Policy Was Written to the Wrong Facility (Severe Repetitive Loss Property) (TRRP Reason 21) This reason is used to cancel a policy flat when coverage was inadvertently written to the wrong facility on those structures that were identified as Severe Repetitive Loss Properties. The cancellation effective date must be the same as the policy effective date. •Type of Refund: Full •Years Eligible for Refund: Current year •Cancellation Request: Must be received during the policy year •Documentation: Report provided by the NFIP identifying the building as a Severe Repetitive Loss Property 21. Other: Continuous Lake Flooding or Closed Basin Lakes (TRRP Reason 10) This cancellation code is used for continuous lake flooding or closed basin lakes. The cancellation can be for only 1 term of a policy. The cancellation effective date must be after the date of loss. •Type of Refund: No refund allowed •Years Eligible for Refund: N/A •Cancellation Request: N/A •Documentation: FEMA notification 22. Cancel/Rewrite Due to Misrating (TRRP Reason 22) This reason code is used when ineligible PRPs or MPPP policies are canceled and rewritten within the same company and when changes are made due to system constraints. The code should also be used to cancel a standard-rated policy that is eligible for a PRP due to misrating. This includes a standard- rated policy incorrectly rated in an SFHA, or the failure to apply the 2-year PRP Eligibility Extension to an eligible property. Refunds resulting from the cancellation must be applied to the rewritten policy prior to any refund being generated. Use New/ Rollover Indicator “Z” to report the new policy. In order to process a cancel/rewrite due to misrating, the policy to be canceled must have no open or paid claim during the policy year(s) to be canceled. •Type of Refund: Full •Years Eligible for Refund: Current year only when converting a standard-rated B, C, or X Zone policy to a PRP. Up to 6 years from the date of misrating of a standard-rated policy in an SFHA, or the failure to apply the 2-year PRP Eligibility Extension to an eligible property. NOTE: In determining the number of years for refund eligibility, do not include policy years that expired before a lapse in coverage. •Cancellation Request: N/A •Documentation: LOMA, LOMR, zone determination, copy of map, etc. 23. Fraud (TRRP Reason 23) This reason code is used when fraud has been determined by FEMA. No premium refund is allowed with this reason code. The agent/producer will retain the full commission, and the company’s expense allowance will not be reduced. •Type of Refund: No refund allowed •Years Eligible for Refund: N/A •Cancellation Request: N/A •Documentation: FEMA notification 24. Cancel/Rewrite Due to Map Revision, LOMa, or LOMR (TRRP Reason 24) This reason code is used to cancel and rewrite a standard-rated flood insurance policy to a PRP within the same company as the result of a map revision, LOMA, or LOMR. The standard-rated policy will be canceled and rewritten as a PRP. Use New/Rollover Indicator “Z” to report the new policy. Premium from the canceled policy will be applied to the PRP, with the difference refunded to the policyholder. No 30-day waiting period will apply to the PRP. The agent/producer will retain the full commission, and the company’s expense allowance will not be reduced. This rule applies to the current policy year and 1 prior year CN6 OCTOBER 1, 2011 provided that the effective date of the map revision or LOMA/LOMR occurred during the prior year. •Type of Refund: Full •Years Eligible for Refund: 2 years •Cancellation Request: Must be received during the policy year or within 6 months of the policy expiration date •Documentation: Copy of revised map, LOMA, or LOMR II. COMPLETING THE CANCELLATION/ NULLIFICATIONREQUESTFORM A. CurrentPolicyNumber In the upper right corner of the form, enter the NFIP policy number. B. PolicyTerm Enter the policy term and the cancellation effective date. C. AgentInformation Enter the complete name, mailing address, phone number, and fax number of the agent/producer. D. InsuredMailingAddress Enter the complete name, mailing address, and phone number of the insured. If the insured has moved to a new location, enter the new mailing address. E. FirstMortgagee Enter the complete name, mailing address, phone number, and fax number of the first mortgagee. F. OtherPartiesNotified Enter the complete name and mailing address of all other interested parties who are to be notified, such as any additional insured, the second mortgagee, the loss payee, trustee, or disaster assistance agency. G. PropertyLocation Enter the location of the insured property. H. CancellationReason Code Check the reason for cancellation of the policy and provide any additional information required. I. Refund Check the appropriate box to indicate to whom the refund is to be made payable. When a Cancellation/Nullification Request Form is received that directs the NFIP to make a premium refund to the payor and the policy has been endorsed showing the payor as a WYO Company or agency, the NFIP will make the refund payable to the insured and mail the refund in care of the agent/producer. Check the appropriate box to indicate to whom the refund should be mailed. J. Signature The insured must sign and date the cancellation/ nullification request for all cancellation reason codes except 5, 6, and 22. The agent/producer must sign and date the cancellation/nullification request for all cancellation reason codes except 6 and 22. Electronic transactions are permitted if the business process includes authentication of signatures and dates of receipt of premium. WYO Companies are responsible for determining the business practices and transaction authentication methods they will use to ensure the security and integrity of such transactions. After completing the cancellation request, attach all required supporting documents and submit them to the insurer. The agent/producer should retain a copy, give a copy to the insured, and send a copy to the mortgagee, if applicable. After processing the cancellation request, the insurer will send the agent/producer, mortgagee, and insured a notice of cancellation. CN7 OCTOBER 1, 2011 ProcessingOutcomesforCancellation/Nullification ofaFloodInsurancePolicy Reason Code foR CanCellation/ nullifiCation (with tRRP Code) PReMiuM Refund fedeRal PoliCY fee and PRoBation suRChaRGe PRoduCeR CoMMission (diReCt Business onlY) Full Pro Rata Full Refund Pro Rata Fully Earned Full Deduction Pro Rata Retained 1 (01) . . . 2 (02) . . . 3 (03) . . . 4 (04) . . . 5 (05) . . . 6 (06) . . . 7 (08) . . . 8 (50) . . . 9 (09) . . . 10 (45) . . . 12 (52) . . . 13 (60) . . . 14 (70) . . . 15 (16) . . . 16 (17) . . . 18 (52) . . . 19 (20) . . . 20 (21) . . . 21 (10) NO REFUND ALLOWED . . 22 (22) . . . 23 (23) NO REFUND ALLOWED . . 24 (24) . . . CN8 May 1, 2011 CN9 May 1, 2011 CN10 May 1, 2011 CLAIMS I. INSURED’SRESPONSIBILITIES A. Filinga Claim In the event of loss, the insured is required to: •Give written notice of loss to the insurer, as soon as practicable, using the National Flood Insurance Program (NFIP) Notice of Loss form or similar form; •Exhibit all remains of the property, as required; •If requested, submit to an examination under oath, as required; •Provide evidence and documentation to substantiate the loss, as required; and •File a Proof of Loss within 60 days of the loss, unless this requirement is waived by the Federal Emergency Management Agency (FEMA). The NFIP has a standard Proof of Loss form that the adjuster assigned to the loss may provide to the insured. The adjuster may assist in completion of the form. However, independent adjusters do not have the authority either to approve or to deny claims. Adjusters’ recommendations for payment or denial are not binding on the insurer and are subject to approval and correction by the insurer staff. The Proof of Loss form may be waived on claims for less than $7,500. In this case, the insured will be required to sign the NFIP Final Report form, which summarizes the loss and claim figures. B. Appealinga Claim Any insured who is dissatisfied with a claim settlement offered by the insurer should follow the procedures below, excerpted from the NFIP Flood Insurance Claims Handbook (F-687). addressing Questions about your insurance claiM The NFIP provides you with a process to appeal decisions regarding your flood insurance claim. This process will help you resolve claim issues, but it cannot give you added coverage or claim limits beyond those in your NFIP policy. In filing and completing your insurance claim, you may have questions, or need further explanations of decisions that have been made, especially with regard to coverage, dollar amount of damages, or your Proof of Loss. Before you may appeal, your insurer must make a final determination and send you a written denial of your claim or any part of it. Four steps to appealing your claiM Step 1 Talk with your adjuster, who has more knowledge about your claim than anyone. If you don’t understand certain decisions regarding, for example, application of coverage, timing of the filing of Proof of Loss, or the damage estimate, contact your adjuster first. Step 2 If you are not satisfied with the adjuster’s answers, or do not agree with decisions, get contact information for the adjuster’s supervisor. Step 3 If the adjuster’s supervisor can’t resolve your issues, contact the insurance company’s claim representative. Ask your insurance agent/producer or your insurance company representative for assistance. Please refer to your flood policy for more information on appeals; see General Conditions, Paragraph R. step 4 If you still have questions or concerns after following steps 1 through 3, contact FEMA. Write to: Federal Emergency Management Agency Mitigation Directorate Federal Insurance Administrator 1800 S. Bell St. Arlington, VA 20598-3010 This letter should be written by the Named Insured (as it appears on your NFIP policy) or by a legal representative, if necessary. The representative should clearly identify his or her relationship to the Named Insured. (For example, a son or daughter could be handling a claim for an elderly parent.) A legal representative may be asked to provide authorization from the Named Insured or other legal documents verifying the relationship. Your letter of appeal must be submitted to FEMA within 60 days from the date of the denial letter that you receive from your flood insurer. What to include in your letter The following 6 items should be in your letter to FEMA in order to address your questions. (If for some reason your policy is not available, your insurance agent/ producer can provide details for the first 3 items.) 1. The Policy Number, as shown on your NFIP policy’s declarations page. CL1 May 1, 2011 2. The policyholder’s name, as shown as the Named Insured on the declarations page. 3. The property address, as shown on the declarations page. (Not your mailing address, if it is different from the property address.) 4. How you can be contacted, if you are out of your home. 5. The details of your concern. (Please be as complete as possible.) 6. The dates of contact and contact details for the persons with whom you have spoken in steps 1 through 3 on the previous page. What to include With your letter Enclose documentation of everything that supports your appeal. •Provide a copy of the insurer’s written denial, in whole or in part, of the claim; •Identify relevant policy and claim information and state the basis for the appeal; and •Submit relevant documentation to support the appeal, but only documentation that directly pertains to your claim. The following are examples of the kinds of documentation that FEMA will require: •A copy of the Proof of Loss submitted to the insurer, as required in the policy; •Room-by-room itemized estimates from the adjuster (include contractors’ estimates), detailing unit costs and quantities for the items needing repair or replacement; •Replacement cost Proofs of Loss; •Adjuster’s Preliminary Report; •Adjuster’s Final Report; •Detailed damaged personal property inventories that include the approximate ages of the items; •Completed Mobile Home Worksheet; •Mobile home title, including salvage title; •Real estate appraisals that exclude land values; •Advance payment information; •Clear photographs (exterior and interior) confirming damage that resulted from direct physical loss by or from flood; •Proof that prior flood damage has been repaired; •Evidence of insurance and policy information, i.e., declarations page; •Elevation Certificate, if the building is elevated; •The community’s determination concerning substantial damage; •Information regarding substantial improvement; •Zone determinations; •Pre-loss and post-loss inventories; •Financial statements; •Tax records, lease agreements, sales contracts, settlement papers, deed, etc.; •Emergency (911) address change information; •Salvage information (proceeds and sales); •Condominium association by-laws; •Proof of other insurance, including homeowners or wind policies, and any claim information submitted to the other companies; •Waiver, Letter of Map Revision (LOMR), or Letter of Map Amendment (LOMA) information; •Paid receipts and invoices, including canceled checks that support an insured’s out-of-pocket expenses pertaining to the claim; •Underwriting decisions; •Architectural plans and drawings; •Death certificates; •Last will and testament; •Divorce decree; •Power of attorney; •Current lienholder information; •Current loss payee information; •Paid receipts and invoices documenting damaged stock; •Detailed engineering reports specifically addressing flood-related damage and pre-existing damage; •Engineering surveys; •Market values; •Documentation of Flood Insurance Rate Map (FIRM) dates; •Documentation reflecting date(s) of construction and substantial improvement; •Loan documents including closings; •Evidence of insurability as a Residential Condominium Association; •Franchise agreements; •Letters of representation, i.e., attorneys and public adjusters; •Any assignment of interest in a claim; and •Any other pertinent information that FEMA may request in processing a claim. A re-inspection of your property may be conducted at the discretion of FEMA to gather more information. A request by FEMA for additional information will include the date by which the information must be provided, which shall in no case be less than 14 calendar days. Failure to provide the requested information in full within 14 calendar days may result in dismissal of your appeal. FEMA will ensure that all information necessary to rule on the appeal has been provided prior to making an appeal decision. liMitations on appeals The appeals process is intended to resolve claim issues and is not intended to grant coverage or limits that are not provided by the Standard Flood Insurance CL2 May 1, 2011 Policy (SFIP). Filing an appeal does not waive any of the requirements for perfecting a claim under the SFIP or extend any of the time limitations set forth in the SFIP. 1. Disputes that are or have been subject to appraisal as provided for in the SFIP cannot be appealed. 2. If you file an appeal on any issue, that issue is no longer subject to resolution by appraisal or other pre-litigation remedies. 3. If you file suit against an insurer on the flood insurance claim issue, you are prohibited from filing an appeal. All appeals submitted for decision but not resolved shall be terminated upon notice of the commencement of litigation regarding the claim. appeals resolution FEMA will review the appeal documents, including any re-inspection report, if appropriate. FEMA will provide specific information on what grounds the claim was initially denied. FEMA will provide an appeal decision in writing to the policyholder and insurer within 90 days from the date that all information has been submitted by the policyholder and will include specific information for the resolution of the appeal. No further administrative review will be provided to the insured. If you do not agree with the final decision, please refer to your flood insurance policy. See the “GENERAL CONDITIONS” Section, Paragraph R. “Suit Against Us.” The 1-year period to file suit commences with the written denial from the insurer and is not extended by the appeals process. II. AGENT’S/PRODUCER’SRESPONSIBILITIES Agents/producers may request that any NFIP Direct claim be assigned to an NFIP-approved independent adjuster. The NFIP Direct makes all NFIP Direct claim assignments, except: •When,inmajorfloodingdisasters,theFloodInsurance Claims Office (FICO) makes all assignments; •When an Adjuster Control Office is established; •When a Claims Coordinating Office (CCO) is established. Failure to indicate the assigned adjuster on the loss notice, or assignment of an adjuster who is not authorizedby theNFIP,willdelaytheadjustmentprocess and may result in duplicate adjuster assignments. When it appears that a situation is serious enough that a FICO may be necessary, the NFIP will notify agents/ producers and agent/producer trade associations in the affected area (using the broadcast media and press releases) as soon as possible to hold their loss notices unassigned until further instructions are received. In the case of a WYO Company claim, the WYO Company’s agent/producer will follow the established procedures when assigning an adjuster. III. SINGLEADJUSTERPROGRAM IMPLEMENTATION A. ScheduleandNotification FEMA and various Coastal Plans will determine whether a catastrophe event will necessitate a Single Adjuster Program (SAP) response. The National Weather Service declaration of a tropical storm or hurricane event will begin the watch for possible single adjuster response. When the storm is 48 hours from landfall, this will initiate FEMA’s approval of the SAP response. During that time, the NFIP Bureau and Statistical Agent’s General Adjusters will be deployed to strategic areas close to where the storm is predicted to strike. At landfall, they will be able to immediately assess the damage impact from the storm. No later than 24 hours after landfall, the WYO Companies will be advised by telephone, fax, or email through their designated Single Adjuster Liaison, as to the areas and state(s) that will be activated. At that point, the WYO Companies will be asked to immediately notify their agents/producers of the SAP procedures in reporting the claims. The NFIP Bureau will notify the WYO Companies by telephone, fax, or email to have their agency staff submit all flood losses that are reasonably believed to involve wind and flood damage to the State Coastal Plans (i.e., Windpool, Fairplan, Beachplan). The NFIP will notify all SAP Liaisons of the CCO’s location, telephone number, fax number, and address, if the CCO does not co-locate with the State Coastal Plans. When the CCO is operational, the WYO Companies will be notified of all assigned claims. Notice of losses reflecting the assigned adjusting firms will be faxed each day. Once the assignment is made and communicated to each company, the WYO Company will manage its own loss adjustment. However, the Catastrophe CCO will ensure that the adjuster receives a copy of the loss assignments, the name of the WYO Company, and the SAP Liaison telephone number. CL3 May 1, 2011 B. Training The NFIP Bureau and Statistical Agent Claims Coordinator and FEMA will annually conduct coordination training sessions, both pre-and post- event, in conjunction with the State Coastal Plans, adjusters, state and local officials, and insurers to train all participants. These training sessions will include regional issues, the State Coastal Plans’ procedures, confirmation of coverages for SAP losses, closed without payment (CWOP) procedures, adjuster resources, and duplicate assignments, etc. The NFIP Bureau will continue to provide training for specific problems and situations that may arise during a catastrophe event. FEMA suggests that within the first 48 hours, or whenever applicable, an adjuster briefing should be conducted for all SAP adjusters and adjusting firms to ensure that they understand program procedures. Guidelines contained in the NFIP Adjuster Claims Manual provide details to address particular claims issues. The manual can be accessed at http://www.fema.gov/ business/nfip/claimsadj.shtm under “Information for Claims Adjusters.” C. Agent/ProducerResponsibilities 1. When directed by FEMA, the agent/producer will have no authority to assign any losses involving a flood policy when there is a reasonable belief that there is flood and wind damage, and will report the losses on the combined Wind/Flood loss notice to the Stationary CCO, with wind coverage information. 2. Insurers insuring both the flood and the wind loss should not report the combined loss to the CCO, but will assign their own single adjuster. 3. The agents/producers will report their flood losses via fax to the established CCO, along with wind coverage information in every instance except those mentioned above. In all cases, the agent/ producer should send a copy of the loss notice to the insurer. 4. All separate wind losses insured by a WYO Company where a flood policy exists will be reported to the CCO for assignment to qualified adjusting firms at the CCO. 5. Upon loss assignment, the insurer will be advised of the assigned adjusting firm by modem transfer, fax, or mail. 6. These procedures relate to assignment of claims only. Insurers may perform other procedures in accordance with their standard business practices. IV. INCREASEDCOSTOFCOMPLIANCE(ICC) CLAIMS The NFIP policy will pay a qualified policyholder up to $30,000 of ICC benefits to bring a flood-damaged, insured building into compliance with state or local floodplain management laws or ordinances. To adequately advise clients at policy inception, and to assist them in the event of a claim, the agent/producer should become familiar with ICC. He or she can do this by attending an NFIP Agent Workshop. Workshop details and links to other training opportunities are available online at http://www.fema. gov/business/nfip/trainagt.shtm. More information about ICC can be found in the Policy section of this manual (see III.D., Coverage D – Increased Cost of Compliance, in any of the policy forms) and online in NFIP brochures F-300 and F-663 (http://www.fema. gov/business/nfip/libfacts.shtm). CL4 May 1, 2011 POLICY The Standard Flood Insurance Policy (SFIP), issued by the Federal Emergency Management Agency (FEMA), specifies the terms and conditions of the agreement of insurance between FEMA as the Insurer and the Named Insureds. Named Insureds in participating communities include owners, renters, builders of buildings that are in the course of construction, condominium associations, owners of residential condominium units, and mortgagees/trustees (applicable for building coverage only). Certain terms and conditions of flood insurance (e.g., Mortgage Clause, Reformation of Coverage) are unique to this policy. For information on Group Flood Insurance, see the Definitions section. There are3policyforms –theDwellingForm, theGeneral Property Form, and the Residential Condominium Building Association Policy Form. Selection of the applicable form to be used is dependent on the type of insurable property to be covered. Please refer to the SFIP contracts for detailed information on the contractual rights and duties of the Insurer and Insured(s). POL 1 May 1, 2011 This page is intentionally left blank. POL 2 May 1, 2011 National Flood Insurance Program Dwelling Form Standard Flood Insurance Policy POL 3 May 1, 2011 DWELLING FORM Summary of Significant Changes, December 31, 2000 1. Section III. Property Covered, A. Coverage A Building Property, 2. Additions and extensions to buildings that are connected by a rigid exterior wall, a solid load-bearing interior wall, a stairway, an elevated walkway, or a roof may be insured as part of the dwelling. At the option of the insured, these extensions and additions may be insured separately. Additions and extensions that are attached to and in contact with the building by means of a common interior wall that is not a solid load-bearing wall are always considered part of the dwelling and cannot be insured separately. 2. Section III. Property Covered, A. Coverage A Building Property, 3. Coverage for detached carports has been eliminated. 3. Section III. Property Covered, B. Coverage B Personal Property 4. Coverage has been extended to include coverage for cooking stoves, ranges, or refrigerators belonging to the renter, as well as 10 percent of contents coverage for improvements made by the renter to the building. 4. Section III. Property Covered, B. Coverage B Personal Property, 5. Coverage for condominium unit owners has been extended to apply up to 10 percent of the contents coverage for losses to interior walls, floors, and ceilings not covered by the condominium association’s master policy. 5. Section III. Property Covered, B. Coverage B Personal Property, 6. Special Limits Coverage for fine arts, collectibles, jewelry, and furs, etc. has been increased to $2500. Also, personal property used in a business has been added under this extension of coverage. 6. Section III. Property Covered, C. Coverage C Other Coverages, 2.a. & b. Coverage for the two loss avoidance measures (sandbagging and relocation of property to protect it from flood or the imminent danger of flood) has been increased to $1,000 for each. 7. Section IV. Property Not Covered, 5.a. & b. Coverage has been changed to pay for losses to self- propelled vehicles used to service the described location or designed to assist handicapped persons provided that the vehicles are in a building at the described location. 8. Section IV. Property Not Covered, 7. Coverage is now specifically excluded for scrip and stored value cards. 9. Section IV. Property Not Covered, 14. Coverage for swimming pools, hot tubs and spas (that are not bathroom hot tubs or spas), and their equipment is now excluded. 10. Section V. Exclusions, B.1. & 2 The explanation of when coverage begins as it relates to a loss in progress has been simplified. 11. Section V. Exclusions, C. Coverage has been clarified to pay for losses from land subsidence under certain circumstances. Subsidence of land along a lake shore or similar body of water which results from the erosion or undermining of the shoreline caused by waves or currents of water exceeding cyclical levels that result in a flood continues to be covered. All other land subsidence is now excluded. 12. Section V. Exclusions, D.4.b.(3) Coverage is now excluded for water, moisture, mildew, or mold damage caused by the policyholder’s failure to inspect and maintain the insured property after the flood waters recede. 13. Section V. Exclusions, D.6. Coverage is now added for damage from the pressure of water against the insured structure with the requirement that there be a flood in the area and the flood is the proximate cause of damage from the pressure of water against the insured structure. 14. Section V. Exclusions, F. An exclusion for the cost of testing for or monitoring of pollutants unless it is required by law or ordinance has been added. 15. Section VII. General Conditions, G. Reduction and Reformation of Coverage, 2.a.(2) If it is discovered before a claim occurs that there is incomplete rating information, the policyholder has 60 days to submit the missing rating information. Otherwise, the coverage is limited to the amount of coverage that can be purchased for the premium originally received and can only be increased by an endorsement that is subject to the appropriate waiting period (currently 30 days). 16. Section VII. General Conditions, V. Loss Settlement, 3. Special Loss Settlement, b.(1) Coverage for a manufactured or mobile home or a travel trailer eligible for replacement cost coverage is limited to 1.5 times its actual cash value. POL 4 May 1, 2011 FEDERAL EMERGENCY MANAGEMENT AGENCY NATIONAL FLOOD INSURANCE PROGRAM STANDARD FLOOD INSURANCE POLICY DWELLING FORM PLEASE READ THE POLICY CAREFULLY. THE FLOOD INSURANCE PROVIDED IS SUBJECT TO LIMITATIONS, RESTRICTIONS, AND EXCLUSIONS. THIS POLICY COVERS ONLY: 1. A NON-CONDOMINIUM RESIDENTIAL BUILDING DESIGNED FOR PRINCIPAL USE AS A DWELLING PLACE FOR ONE TO FOUR FAMILIES, OR 2. A SINGLE-FAMILY DWELLING UNIT IN A CONDOMINIUM BUILDING. I. AGREEMENT The Federal Emergency Management Agency (FEMA) provides flood insurance under the terms of the National Flood Insurance Act of 1968 and its amendments, and Title 44 of the Code of Federal Regulations (CFR). We will pay you for directphysicallossbyorfromflood to your insured property if you: 1. Have paid the correct premium; 2. Comply with all terms and conditions of this policy; and 3. Have furnished accurate information and statements. We have the right to review the information you give us at any time and to revise your policy based on our review. II. DEFINITIONS A. In this policy, “you” and “your” refer to the insured(s) shown on the Declarations Page of this policy and your spouse, if a resident of the same household. “Insured(s)” includes: Any mortgagee and loss payee named in the Application and Declarations Page, as well as any other mortgagee or loss payee determined to exist at the time of loss in the order of precedence. “We,” “us,” and “our” refer to the insurer. Some definitions are complex because they are provided as they appear in the law or regulations, or result from court cases. The precise definitions are intended to protect you. Flood, as used in this flood insurance policy, means: 1. A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from: a. Overflow of inland or tidal waters; b. Unusual and rapid accumulation or runoff of surface waters from any source; c. Mudflow. 2. Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined in A.1.a. above. B. The following are the other key definitions that we use in this policy: 1. Act. The National Flood Insurance Act of 1968 and any amendments to it. 2. Actual Cash Value. The cost to replace an insured item of property at the time of loss, less the value of its physical depreciation. 3. Application. The statement made and signed by you or your agent in applying for this policy. The application gives information we use to determine the eligibility of the risk, the kind of policy to be issued, and the correct premium payment. The application is part of this flood insurance policy. For us to issue you a policy, the correct premium payment must accompany the application. 4. BaseFlood. A flood having a one percent chance of being equaled or exceeded in any given year. Page 1 of 19 POL 5 May 1, 2011 5. Basement. Any area of the building, including any sunken room or sunken portion of a room, having its floor below ground level (subgrade) on all sides. 6. Building. a. A structure with two or more outside rigid walls and a fully secured roof, that is affixed to a permanent site; b. A manufactured home (a “manufactured home,” also known as a mobile home, is a structure: built on a permanent chassis, transported to its site in one or more sections, and affixed to a permanent foundation); or c. A travel trailer without wheels, built on a chassis and affixed to a permanent foundation, that is regulated under the community’s floodplain management and building ordinances or laws. Building does not mean a gas or liquid storage tank or a recreational vehicle, park trailer, or other similar vehicle, except as described in B.6.c. above. 7. Cancellation. The ending of the insurance coverage provided by this policy before the expiration date. 8. Condominium. That form of ownership of real property in which each unit owner has an undivided interest in common elements. 9. Condominium Association. The entity made up of the unit owners responsible for the maintenance and operation of: a. Common elements owned in undivided shares by unit owners; and b. Other real property in which the unit owners have use rights; where membership in the entity is a required condition of unit ownership. 10. Declarations Page. A computer-generated summary of information you provided in the application for insurance. The DeclarationsPage also describes the term of the policy, limits of coverage, and displays the premium and our name. The Declarations Page is a part of this flood insurance policy. 11. Described Location. The location where the insured building(s) or personal property are found. The described location is shown on the Declarations Page. 12. Direct Physical Loss By or From Flood. Loss or damage to insured property, directly caused by a flood. There must be evidence of physical changes to the property. 13. Dwelling. A building designed for use as a residence for no more than four families or a single-family unit in a building under a condominium form of ownership. 14. ElevatedBuilding.A buildingthat has no basement and that has its lowest elevated floor raised above ground level by foundation walls, shear walls, posts, piers, pilings, or columns. 15. Emergency Program. The initial phase of a community’s participation in the National Flood Insurance Program. During this phase, only limited amounts of insurance are available under the Act. 16. Expense Constant. A flat charge you must pay on each new or renewal policy to defray the expenses of the Federal Government related to flood insurance. 17. Federal Policy Fee. A flat charge you must pay on each new or renewal policy to defray certain administrative expenses incurred in carrying out the NationalFloodInsuranceProgram. This fee covers expenses not covered by the expense constant. 18. Improvements. Fixtures, alterations, installations, or additions comprising a part of the insured dwelling or the apartment in which you reside. 19. Mudflow. A river of liquid and flowing mud on the surfaces of normally dry land areas, as when earth is carried by a current of water. Other earth movements, such as landslide, slope failure, or a saturated soil mass moving by liquidity down a slope, are not mudflows. 20. National Flood Insurance Program (NFIP). The program of flood insurance coverage and floodplain management administered under the Act and applicable Federal regulations in Title 44 of the Code of Federal Regulations, Subchapter B. 21. Policy. The entire written contract between you and us. It includes: a. This printed form; b. The application and Declarations Page; c. Any endorsement(s) that may be issued; and d. Any renewal certificate indicating that coverage has been instituted for a new policy and new policy term. Only one dwelling, which you specifically described in the application, may be insured under this policy. 22. Pollutants. Substances that include, but are not limited to, any solid, liquid, gaseous, or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste. “Waste” includes, but is not limited to, materials to be recycled, reconditioned, or reclaimed. Page 2 of 19 POL 6 May 1, 2011 23. Post-FIRM Building. A building for which construction or substantial improvement occurred after December 31, 1974, or on or after the effective date of an initial Flood Insurance Rate Map (FIRM), whichever is later. 24. Probation Premium. A flat charge you must pay on each new or renewal policy issued covering property in a community that the NFIP has placed on probation under the provisions of 44 CFR 59.24. 25. Regular Program. The final phase of a community’s participation in the National Flood Insurance Program. In this phase, a Flood Insurance Rate Map is in effect and full limits of coverage are available under the Act. 26. Special Flood Hazard Area. An area having special flood, or mudflow, and/or flood-related erosion hazards, and shown on a Flood Hazard Boundary Map or Flood Insurance Rate Map as Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, VE, or V. 27. Unit. A single-family unit you own in a condominium building. 28. Valued Policy. A policy in which the insured and the insurer agree on the value of the property insured, that value being payable in the event of a total loss. The Standard Flood Insurance Policy is not a valued policy. III. PROPERTY COVERED A. COVERAGE A -BUILDING PROPERTY We insure against direct physical loss by or from flood to: 1. The dwelling at the described location, or for a period of 45 days at another location as set forth in III.C.2.b., Property Removed to Safety. 2. Additions and extensions attached to and in contact with the dwelling by means of a rigid exterior wall, a solid load-bearing interior wall, a stairway, an elevated walkway, or a roof. At your option, additions and extensions connected by any of these methods may be separately insured. Additions and extensions attached to and in contact with the building by means of a common interior wall that is not a solid load- bearing wall are always considered part of the dwelling and cannot be separately insured. 3. A detached garage at the described location. Coverage is limited to no more than 10 percent of the limit of liability on the dwelling. Use of this insurance is at your option but reduces the building limit of liability. We do not cover any detached garage used or held for use for residential (i.e., dwelling), business, or farming purposes. 4. Materials and supplies to be used for construction, alteration, or repair of the dwelling or a detached garage while the materials and supplies are stored in a fully enclosed building at the described location or on an adjacent property. 5. A building under construction, alteration, or repair at the described location. a. If the structure is not yet walled or roofed as described in the definition for building (see II.B. 6.a.) then coverage applies: (1) Only while such work is in progress; or (2) If such work is halted, only for a period of up to 90 continuous days thereafter. b. However, coverage does not apply until the building is walled and roofed if the lowest floor, including the basement floor, of a non-elevated building or the lowest elevated floor of an elevated building is: (1) Below the base flood elevation in Zones AH, AE, A1-A30, AR, AR/AE, AR/AH, AR/A1-A30, AR/A, AR/AO; or (2) Below the base flood elevation adjusted to include the effect of wave action in Zones VE or V1-V30. The lowest floor levels are based on the bottom of the lowest horizontal structural member of the floor in Zones VE or V1-V30 and the top of the floor in Zones AH, AE, A1-A30, AR, AR/AE, AR/AH, AR/A1-A30, AR/A, AR/AO. 6. A manufactured home or a travel trailer as described in the Definitions section (see II.B.6.b. and II.B.6.c.). If the manufactured home or travel trailer is in a special flood hazard area, it must be anchored in the following manner at the time of the loss: a. By over-the-top or frame ties to ground anchors; or b. In accordance with the manufacturer’s specifications; or c. In compliance with the community’s floodplain management requirements; Page 3 of 19 POL 7 May 1, 2011 unless it has been continuously insured by the NFIP at the same described location since September 30, 1982. 7. The following items of property which are covered (14) Water softeners and the chemicals in them, water filters, and faucets installed as an integral part of the plumbing system; (15) Well water tanks and pumps; (16) Required utility connections for any item in this list; and (17) Footings, foundations, posts, pilings, piers, or other foundation walls and anchorage systems required to support a building. b. Clean-up. B. COVERAGE B -PERSONAL PROPERTY 1. If you have purchased personal property coverage, we insure against direct physical loss by or from flood to personal property inside a building at the described location, if: a. The property is owned by you or your household family members; and b. At your option, the property is owned by guests or servants. Personal property is also covered for a period of 45 days at another location as set forth in III.C.2.b., Property Removed to Safety. Personal property in a building that is not fully enclosed must be secured to prevent flotation out of the building. If the personal property does float out during a flood, it will be conclusively presumed that it was not reasonably secured. In that case there is no coverage for such property. 2. Coverage for personal property includes the following property, subject to B.1. above, which is covered under Coverage B only: a. Air conditioning units, portable or window type; b. Carpets, not permanently installed, over unfinished flooring; c. Carpets over finished flooring; d. Clothes washers and dryers; e. “Cook-out” grills; f. Food freezers, other than walk-in, and food in any freezer; and g. Portable microwave ovens and portable dishwashers. 3. Coverage for items of property in a building enclosure below the lowest elevated floor of an elevated post-FIRM building located in Zones A1A30, AE, AH, AR, AR/A, AR/AE, AR/AH, AR/A1-A30, V1-V30, or VE, or in a basement, regardless of the zone, is limited to the following items, if installed in their functioning locations and, if necessary for operation, connected to a power source: a. Air conditioning units, portable or window type; b. Clothes washers and dryers; and c. Food freezers, other than walk-in, and food in any freezer. Page 4 of 19 under Coverage A only: a. Awnings and canopies; b. Blinds; c. Built-in dishwashers; d. Built-in microwave ovens; e. Carpet permanently installed flooring; f. Central air conditioners; g. Elevator equipment; h. Fire sprinkler systems; i. Walk-in freezers; j. Furnaces and radiators; k. Garbage disposal units; l. Hot water heaters, including solar water heaters; m. Light fixtures; n. Outdoor antennas and aerials fastened to buildings; o. Permanently installed cupboards, bookcases, cabinets, paneling, and wallpaper; p. Plumbing fixtures; q. Pumps and machinery for operating pumps; r. Ranges, cooking stoves, and ovens; s. Refrigerators; and t. Wall mirrors, permanently installed. 8. Items of property in a building enclosure below the lowest elevated floor of an elevated post-FIRM building located in Zones A1-A30, AE, AH, AR, AR/A, AR/AE, AR/AH, AR/A1-A30, V1-V30, or VE, or in a basement, regardless of the zone. Coverage is limited to the following: a. Any of the following items, if installed in their functioning locations and, if necessary for operation, connected to a power source: (1) Central air conditioners; (2) Cisterns and the water in them; (3) Drywall for walls and ceilings in a basement and the cost of labor to nail it, unfinished and unfloated and not taped, to the framing; (4) Electrical junction and circuit breaker boxes; (5) Electrical outlets and switches; (6) Elevators, dumbwaiters, and related equipment, except for related equipment installed below the base flood elevation after September 30, 1987; (7) Fuel tanks and the fuel in them; (8) Furnaces and hot water heaters; (9) Heat pumps; (10) Nonflammable insulation in a basement; (11) Pumps and tanks used in solar energy systems; (12) Stairways and staircases attached to the building, not separated from it by elevated walkways; (13) Sump pumps; over unfinished POL 8 May 1, 2011 4. If you are a tenant and have insured personal 2. Loss Avoidance Measures property under Coverage B in this policy, we will cover such property, including your cooking stove or range and refrigerator. The policy will also cover improvements made or acquired solely at your expense in the dwelling or apartment in which you reside, but for not more than 10 percent of the limit of liability shown for personal property on the Declarations Page. Use of this insurance is at your option but reduces the personal property limit of liability. 5. If you are the owner of a unit and have insured personal property under Coverage B in this policy, we will also cover your interior walls, floor, and ceiling (not otherwise covered under a flood insurance policy purchased by your condominium association) for not more than 10 percent of the limit of liability shown for personal property on the Declarations Page. Use of this insurance is at your option but reduces the personal property limit of liability. 6. Special Limits. We will pay no more than $2,500 for any one loss to one or more of the following kinds of personal property: a. Artwork, photographs, collectibles, or memorabilia, including but not limited to, porcelain or other figures, and sports cards; b. Rare books or autographed items; c. Jewelry, watches, precious and semiprecious stones, or articles of gold, silver, or platinum; d. Furs or any article containing fur which represents its principal value; or e. Personal property used in any business. 7. We will pay only for the functional value of antiques. C. COVERAGE C -OTHER COVERAGES 1. Debris Removal a. We will pay the expense to remove non-owned debris on or in insured property and owned debris anywhere. b. If you or a member of your household perform the removal work, the value of your work will be based on the Federal minimum wage. c. This coverage does not increase the Coverage A or Coverage B limit of liability. a. Sandbags, Supplies, and Labor (1) We will pay up to $1,000 for costs you incur to protect the insured building from a flood or imminent danger of flood, for the following: (a) Your reasonable expenses to buy: (i) Sandbags, including sand to fill them; (ii) Fill for temporary levees; (iii) Pumps; and (iv) Plastic sheeting and lumber used in connection with these items. (b) The value of work, at the Federal minimum wage, that you or a member of your household perform. (2) This coverage for Sandbags, Supplies, and Labor applies only if damage to insured property by or from flood is imminent, and the threat of flood damage is apparent enough to lead a person of common prudence to anticipate flood damage. One of the following must also occur: (a) A general and temporary condition of flooding in the area near the described location must occur, even if the flood does not reach the insured building; or (b) A legally authorized official must issue an evacuation order or other civil order for the community in which the insured building is located calling for measures to preserve life and property from the peril of flood. This coverage does not increase the Coverage A or Coverage B limit of liability. b. Property Removed to Safety (1) We will pay up to $1,000 for the reasonable expenses you incur to move insured property to a place other than the described location that contains the property in order to protect it from flood or the imminent danger of flood. Page 5 of 19 POL 9 May 1, 2011 Reasonable expenses include the value of work, at the Federal minimum wage, that you or a member of your household perform. (2) If you move insured property to a location other than the described location that contains the property, in order to protect it from flood or the imminent danger of flood, we will cover such property while at that location for a period of 45 consecutive days from the date you begin to move it there. The personal property that is moved must be placed in a fully enclosed building or otherwise reasonably protected from the elements. Any property removed, including a moveable home described in II.B.6.b. and c., must be placed above ground level or outside of the special flood hazard area. This coverage does not increase the Coverage A or Coverage B limit of liability. 3. Condominium Loss Assessments a. If this policy insures a unit, we will pay, up to the Coverage A limit of liability, your share of loss assessments charged against you by the condominium association in accordance with the condominium association’s articles of association, declarations and your deed. The assessment must be made as a result of directphysicallossbyorfromfloodduring the policy term, to the building’s common elements. b. We will not pay any loss assessment charged against you: (1) And the condominium association by any governmental body; (2) That results from a deductible under the insurance purchased by the condominium association insuring common elements; (3) That results from a loss to personal property, including contents of a condominium building; (4) That results from a loss sustained by the condominium association that was not reimbursed under a flood insurance policy written in the name of the association under the Act because the building was not, at the time of loss, insured for an amount equal to the lesser of: (a) 80 percent or more of its full replacement cost; or (b) The maximum amount of insurance permitted under the Act; (5) To the extent that payment under this policy for a condominium building loss, in combination with payments under any other NFIP policies for the same building loss, exceeds the maximum amount of insurance permitted under the Act for that kind of building; or (6) To the extent that payment under this policy for a condominium building loss, in combination with any recovery available to you as a tenant in common under any NFIP condominium association policies for the same building loss, exceeds the amount of insurance permitted under the Act for a single-family dwelling. Loss assessment coverage does not increase the Coverage A limit of liability. D. COVERAGED-INCREASEDCOSTOFCOMPLIANCE 1. General This policy pays you to comply with a State or local floodplain management law or ordinance affecting repair or reconstruction of a structure suffering flood damage. Compliance activities eligible for payment are: elevation, floodproofing, relocation, or demolition (or any combination of these activities) of your structure. Eligible floodproofing activities are limited to: a. Nonresidential structures. b. Residential structures with basements that satisfy FEMA’s standards published in the Code of Federal Regulations [44 CFR 60.6 (b) or (c)]. 2. Limit of Liability We will pay you up to $30,000 under this Coverage D -Increased Cost of Compliance, which only applies to policies with building coverage (Coverage A). Our payment of claims under Coverage D is in addition to the amount of coverage which you selected on the application and which appears on the Declarations Page. But the maximum you can collect under this policy for both Coverage A -Building Property and Coverage D -Increased Cost of Compliance cannot exceed the maximum permitted under the Act. We do not charge a separate deductible for a claim under Coverage D. Page 6 of 19 POL 10 May 1, 2011 3. Eligibility a. A structure covered under Coverage A -Building Property sustaining a loss caused by a flood as defined by this policy must: (1) Be a “repetitive loss structure.” A repetitive loss structure is one that meets the following conditions: (a) The structure is covered by a contract of flood insurance issued under the NFIP. (b) The structure has suffered flood damage on two occasions during a 10year period which ends on the date of the second loss. (c) The cost to repair the flood damage, on average, equaled or exceeded 25 percent of the market value of the structure at the time of each flood loss. (d) In addition to the current claim, the NFIP must have paid the previous qualifying claim, and the State or community must have a cumulative, substantial damage provision or repetitive loss provision in its floodplain management law or ordinance being enforced against the structure; or (2) Be a structure that has had flood damage in which the cost to repair equals or exceeds 50 percent of the market value of the structure at the time of the flood. The State or community must have a substantial damage provision in its floodplain management law or ordinance being enforced against the structure. b. This Coverage D pays you to comply with State or local floodplain management laws or ordinances that meet the minimum standards of the National Flood Insurance Program found in the Code of Federal Regulations at 44 CFR 60.3. We pay for compliance activities that exceed those standards under these conditions: (1) 3.a.(1) above. (2) Elevation or floodproofing in any risk zone to preliminary or advisory base flood elevations provided by FEMA which the State or local government has adopted and is enforcing for flood-damaged structures in such areas. (This includes compliance activities in B, C, X, or D zones which are being changed to zones with base flood elevations. This also includes compliance activities in zones where base flood elevations are being increased, and a flood- damaged structure must comply with the higher advisory base flood elevation.) Increased Cost of Compliance coverage does not apply to situations in B, C, X, or D zones where the community has derived its own elevations and is enforcing elevation or floodproofing requirements for flood- damaged structures to elevations derived solely by the community. (3) Elevation or floodproofing above the base flood elevation to meet State or local “freeboard” requirements, i.e., that a structure must be elevated above the base flood elevation. c. Under the minimum NFIP criteria at 44 CFR 60.3 (b)(4), States and communities must require the elevation or floodproofing of structures in unnumbered A zones to the base flood elevation where elevation data is obtained from a Federal, State, or other source. Such compliance activities are also eligible for Coverage D. d. This coverage will also pay for the incremental cost, after demolition or relocation, of elevating or floodproofing a structure during its rebuilding at the same or another site to meet State or local floodplain management laws or ordinances, subject to Exclusion D.5.g. below. e. This coverage will also pay to bring a flood- damaged structure into compliance with State or local floodplain management laws or ordinances even if the structure had received a variance before the present loss from the applicable floodplain management requirements. 4. Conditions a. When a structure covered under Coverage A - Building Property sustains a loss caused by a flood, our payment for the loss under this Coverage D will be for the increased cost to elevate, floodproof, relocate, or demolish (or any combination of these activities) caused by the enforcement of current State or local floodplain management ordinances or laws. Our payment for eligible demolition activities will be for the cost to demolish and clear the site of the building debris or a portion thereof caused by the enforcement of current State or local floodplain management ordinances or laws. Eligible activities for the cost of clearing the site will include those necessary to discontinue utility service to the site and ensure proper abandonment of on-site utilities. b. When the buildingis repaired or rebuilt, it must be intended for the same occupancy as the present building unless otherwise required by current floodplain management ordinances or laws. Page 7 of 19 POL 11 May 1, 2011 5. Exclusions Under this Coverage D -Increased Cost of Compliance, we will not pay for: a. The cost to comply with any floodplain management law or ordinance in communities participating in the Emergency Program. b. The cost associated with enforcement of any ordinance or law that requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of pollutants. c. The loss in value to any insured building or other structure due to the requirements of any ordinance or law. d. The loss in residual value of the undamaged portion of a building demolished as a consequence of enforcement of any State or local floodplain management law or ordinance. e. Any Increased Cost of Compliance under this Coverage D: (1) Until the building is elevated, floodproofed, demolished, or relocated on the same or to another premises; and (2) Unless the buildingis elevated, floodproofed, demolished, or relocated as soon as reasonably possible after the loss, not to exceed 2 years (see 3.b.). f. Any code upgrade requirements, e.g., plumbing or electrical wiring, not specifically related to the State or local floodplain management law or ordinance. g. Any compliance activities needed to bring additions or improvements made after the loss occurred into compliance with State or local floodplain management laws or ordinances. h. Loss due to any ordinance or law that you were required to comply with before the current loss. i. Any rebuilding activity to standards that do not meet the NFIP’s minimum requirements. This includes any situation where you have received from the State or community a variance in connection with the current flood loss to rebuild the property to an elevation below the base flood elevation. j. Increased Cost of Compliance for a garage or carport. k. Any structure insured under an NFIP Group Flood Insurance Policy. l. Assessments made by a condominium association on individual condominium unit owners to pay increased costs of repairing commonly owned buildings after a flood in compliance with State or local floodplain management ordinances or laws. 6. Other Provisions a. Increased Cost of Compliance coverage will not be included in the calculation to determine whether coverage meets the 80 percent insurance-to-value requirement for replacement cost coverage as set forth in VII. General Conditions, V. Loss Settlement. b. All other conditions and provisions of this policy apply. IV. PROPERTY NOT COVERED We do not cover any of the following property: 1. Personal property not inside the fully enclosed building; 2. A building, and personal property in it, located entirely in, on, or over water or seaward of mean high tide if it was constructed or substantially improved after September 30, 1982; 3. Open structures, including a building used as a boathouse or any structure or building into which boats are floated, and personal property located in, on, or over water; 4. Recreational vehicles other than travel trailers described in II.B.6.c., whether affixed to a permanent foundation or on wheels; 5. Self-propelled vehicles or machines, including their parts and equipment. However, we do cover self- propelled vehicles or machines not licensed for use on public roads that are: a. Used mainly to service the described location, or b. Designed and used to assist handicapped persons, while the vehicles or machines are inside a building at the described location; 6. Land, land values, lawns, trees, shrubs, plants, growing crops, or animals; 7. Accounts, bills, coins, currency, deeds, evidences of debt, medals, money, scrip, stored value cards, postage stamps, securities, bullion, manuscripts, or other valuable papers; Page 8 of 19 POL 12 May 1, 2011 8. Underground structures and equipment, including wells, septic tanks, and septic systems; 9. Those portions of walks, walkways, decks, driveways, patios, and other surfaces, all whether protected by a roof or not, located outside the perimeter, exterior walls of the insured building or the building in which the insured unit is located; 10. Containers, including related equipment, such as, but not limited to, tanks containing gases or liquids; 11. Buildings or units and all their contents if more than 49 percent of the actual cash value of the building or unit is below ground, unless the lowest level is at or above the base flood elevation and is below ground by reason of earth having been used as insulation material in conjunction with energy efficient building techniques; 12. Fences, retaining walls, seawalls, bulkheads, wharves, piers, bridges, and docks; 13. Aircraft or watercraft, or their furnishings and equipment; 14. Hot tubs and spas that are not bathroom fixtures, and swimming pools, and their equipment such as, but not limited to, heaters, filters, pumps, and pipes, wherever located; 15. Property not eligible for flood insurance pursuant to the provisions of the Coastal Barrier Resources Act and the Coastal Barrier Improvement Act and amendments to these acts; 16. Personal property you own in common with other unit owners comprising the membership of a condominium association. V. EXCLUSIONS A. We only provide coverage for direct physical loss by or from flood, which means that we do not pay you for: 1. Loss of revenue or profits; 2. Loss of access to the insured property or described location; 3. Loss of use of the insured property or described location; 4. Loss from interruption of business or production; 5. Any additional living expenses incurred while the insured building is being repaired or is unable to be occupied for any reason; 6. The cost of complying with any ordinance or law requiring or regulating the construction, demolition, remodeling, renovation, or repair of property, including removal of any resulting debris. This exclusion does not apply to any eligible activities that we describe in Coverage D -Increased Cost of Compliance; or 7. Any other economic loss. B. We do not insure a loss directly or indirectly caused by a flood that is already in progress at the time and date: 1. The policy term begins; or 2. Coverage is added at your request. C. We do not insure for loss to property caused directly by earth movement even if the earth movement is caused by flood. Some examples of earth movement that we do not cover are: 1. Earthquake; 2. Landslide; 3. Land subsidence; 4. Sinkholes; 5. Destabilization or movement of land that results from accumulation of water in subsurface land area; or 6. Gradual erosion. We do, however, pay for losses from mudflow and land subsidence as a result of erosion that are specifically covered under our definition of flood (see II.A.1.c. and II.A.2.). D. We do not insure for direct physical loss caused directly or indirectly by any of the following: 1. The pressure or weight of ice; 2. Freezing or thawing; 3. Rain, snow, sleet, hail, or water spray; 4. Water, moisture, mildew, or mold damage that results primarily from any condition: a. Substantially confined to the dwelling; or b. That is within your control, including but not limited to: (1) Design, structural, or mechanical defects; Page 9 of 19 POL 13 May 1, 2011 (2) Failure, stoppage, or breakage of water or sewer lines, drains, pumps, fixtures, or equipment; or (3) Failure to inspect and maintain the property after a flood recedes; 5. Water or waterborne material that: a. Backs up through sewers or drains; b. Discharges or overflows from a sump, sump pump, or related equipment; or c. Seeps or leaks on or through the covered property; unless there is a flood in the area and the flood is the proximate cause of the sewer or drain backup, sump pump discharge or overflow, or seepage of water; 6. The pressure or weight of water unless there is a flood in the area and the flood is the proximate cause of the damage from the pressure or weight of water; 7. Power, heating, or cooling failure unless the failure results from directphysicallossbyorfromflood to power, heating, or cooling equipment on the described location; 8. Theft, fire, explosion, wind, or windstorm; 9. Anything you or any member of your household do or conspire to do to cause loss by flood deliberately; or 10. Alteration of the insured property that significantly increases the risk of flooding. E. We do not insure for loss to any building or personal property located on land leased from the Federal Government, arising from or incident to the flooding of the land by the Federal Government, where the lease expressly holds the Federal Government harmless under flood insurance issued under any Federal Government program. F. We do not pay for the testing for or monitoring of pollutants unless required by law or ordinance. VI. DEDUCTIBLES A. When a loss is covered under this policy, we will pay only that part of the loss that exceeds your deductible amount, subject to the limit of liability that applies. The deductible amount is shown on the Declarations Page. However, when a building under construction, alteration, or repair does not have at least two rigid exterior walls and a fully secured roof at the time of loss, your deductible amount will be two times the deductible that would otherwise apply to a completed building. B. In each loss from flood, separate deductibles apply to the building and personal property insured by this policy. C. The deductible does not apply to: 1. III.C.2. Loss Avoidance Measures; 2. III.C.3. Condominium Loss Assessments; or 3. III.D. Increased Cost of Compliance. VII. GENERAL CONDITIONS A. Pairs and Sets B. Concealment or Fraud and Policy Voidance In case of loss to an article that is part of a pair or set, we 1. With respect to all insureds under this policy, this will have the option of paying you: policy: 1. An amount equal to the cost of replacing the lost, a. Is void; damaged, or destroyed article, minus its depreciation; or b. Has no legal force or effect; 2. The amount that represents the fair proportion of the c. Cannot be renewed; and total value of the pair or set that the lost, damaged, or destroyed article bears to the pair or set. d. Cannot be replaced by a new NFIP policy; Page 10 of 19 POL 14 May 1, 2011 if, before or after a loss, you or any other insured or your agent have at any time: (1) Intentionally concealed or misrepresented any material fact or circumstance; (2) Engaged in fraudulent conduct; or (3) Made false statements; relating to this policy or any other NFIP insurance. 2. This policy will be void as of the date the wrongful acts described in B.1. above were committed. 3. Fines, civil penalties, and imprisonment under applicable Federal laws may also apply to the acts of fraud or concealment described above. 4. This policy is also void for reasons other than fraud, misrepresentation, or wrongful act. This policy is void from its inception and has no legal force under the following conditions: a. If the property is located in a community that was not participating in the NFIP on the policy’s inception date and did not join or reenter the program during the policy term and before the loss occurred; or b. If the property listed on the application is otherwise not eligible for coverage under the NFIP. C. Other Insurance 1. If a loss covered by this policy is also covered by other insurance that includes flood coverage not issued under the Act, we will not pay more than the amount of insurance that you are entitled to for lost, damaged, or destroyed property insured under this policy subject to the following: a. We will pay only the proportion of the loss that the amount of insurance that applies under this policy bears to the total amount of insurance covering the loss, unless C.1.b. or c. immediately below applies. b. If the other policy has a provision stating that it is excess insurance, this policy will be primary. c. This policy will be primary (but subject to its own deductible) up to the deductible in the other flood policy (except another policy as described in C.1.b. above). When the other deductible amount is reached, this policy will participate in the same proportion that the amount of insurance under this policy bears to the total amount of both policies, for the remainder of the loss. 2. If there is other insurance in the name of your condominium association covering the same property covered by this policy, then this policy will be in excess over the other insurance. D. Amendments, Waivers, Assignment This policy cannot be changed nor can any of its provisions be waived without the express written consent of the Federal Insurance Administrator. No action that we take under the terms of this policy constitutes a waiver of any of our rights. You may assign this policy in writing when you transfer title of your property to someone else, except under these conditions: 1. When this policy covers only personal property; or 2. When this policy covers a structure during the course of construction. E. Cancellation of Policy by You 1. You may cancel this policy in accordance with the applicable rules and regulations of the NFIP. 2. If you cancel this policy, you may be entitled to a full or partial refund of premium also under the applicable rules and regulations of the NFIP. F. Nonrenewal of the Policy by Us Your policy will not be renewed: 1. If the community where your covered property is located stops participating in the NFIP; or 2. If your building has been declared ineligible under Section 1316 of the Act. G. Reduction and Reformation of Coverage 1. If the premium we received from you was not enough to buy the kind and amount of coverage you requested, we will provide only the amount of coverage that can be purchased for the premium payment we received. 2. The policy can be reformed to increase the amount of coverage resulting from the reduction described in G.1. above to the amount you requested as follows: a. Discovery of insufficient premium or incomplete rating information before a loss. (1) If we discover before you have a flood loss that your premium payment was not enough to buy the requested amount of coverage, we will send you and any mortgagee or trustee known to us a bill for the required additional premium for the current policy term (or that portion of the current policy term following any endorsement changing Page 11 of 19 POL 15 May 1, 2011 the amount of coverage). If you or the mortgagee or trustee pay the additional premium within 30 days from the date of our bill, we will reform the policy to increase the amount of coverage to the originally requested amount effective to the beginning of the current policy term (or subsequent date of any endorsement changing the amount of coverage). (2) If we determine before you have a flood loss that the rating information we have is incomplete and prevents us from calculating the additional premium, we will ask you to send the required information. You must submit the information within 60 days of our request. Once we determine the amount of additional premium for the current policy term, we will follow the procedure in G.2.a.(1) above. (3) If we do not receive the additional premium (or additional information) by the date it is due, the amount of coverage can only be increased by endorsement subject to any appropriate waiting period. b. Discovery of insufficient premium or incomplete rating information after a loss. (1) If we discover after you have a flood loss that your premium payment was not enough to buy the requested amount of coverage, we will send you and any mortgagee or trustee known to us a bill for the required additional premium for the current and the prior policy terms. If you or the mortgagee or trustee pay the additional premium within 30 days from the date of our bill, we will reform the policy to increase the amount of coverage to the originally requested amount effective to the beginning of the prior policy term. (2) If we discover after you have a flood loss that the rating information we have is incomplete and prevents us from calculating the additional premium, we will ask you to send the required information. You must submit the information before your claim can be paid. Once we determine the amount of additional premium for the current and prior policy terms, we will follow the procedure in G.2.b.(1) above. (3) If we do not receive the additional premium by the date it is due, your flood insurance claim will be settled based on the reduced amount of coverage. The amount of coverage can only be increased by endorsement subject to any appropriate waiting period. 3. However, if we find that you or your agent intentionally did not tell us, or falsified, any important fact or circumstance or did anything fraudulent relating to this insurance, the provisions of Condition B. Concealment or Fraud and Policy Voidance apply. H. Policy Renewal 1. This policy will expire at 12:01 a.m. on the last day of the policy term. 2. We must receive the payment of the appropriate renewal premium within 30 days of the expiration date. 3. If we find, however, that we did not place your renewal notice into the U.S. Postal Service, or if we did mail it, we made a mistake, e.g., we used an incorrect, incomplete, or illegible address, which delayed its delivery to you before the due date for the renewal premium, then we will follow these procedures: a. If you or your agent notified us, not later than 1 year after the date on which the payment of the renewal premium was due, of nonreceipt of a renewal notice before the due date for the renewal premium, and we determine that the circumstances in the preceding paragraph apply, we will mail a second bill providing a revised due date, which will be 30 days after the date on which the bill is mailed. b. If we do not receive the premium requested in the second bill by the revised due date, then we will not renew the policy. In that case, the policy will remain an expired policy as of the expiration date shown on the Declarations Page. 4. In connection with the renewal of this policy, we may ask you during the policy term to recertify, on a Recertification Questionnaire we will provide to you, the rating information used to rate your most recent application for or renewal of insurance. I. Conditions Suspending or Restricting Insurance We are not liable for loss that occurs while there is a hazard that is increased by any means within your control or knowledge. J. Requirements in Case of Loss In case of a flood loss to insured property, you must: 1. Give prompt written notice to us; 2. As soon as reasonably possible, separate the damaged and undamaged property, putting it in the best possible order so that we may examine it; 3. Prepare an inventory of damaged property showing the quantity, description, actual cash value, and amount of loss. Attach all bills, receipts, and related documents; Page 12 of 19 POL 16 May 1, 2011 4. Within 60 days after the loss, send us a proof of loss, which is your statement of the amount you are claiming under the policy signed and sworn to by you, and which furnishes us with the following information: a. The date and time of loss; b. A brief explanation of how the loss happened; c. Your interest (for example, “owner”) and the interest, if any, of others in the damaged property; d. Details of any other insurance that may cover the loss; e. Changes in title or occupancy of the covered property during the term of the policy; f. Specifications of damaged buildings and detailed repair estimates; g. Names of mortgagees or anyone else having a lien, charge, or claim against the covered property; h. Details about who occupied any insured building at the time of loss and for what purpose; and i. The inventory of damaged personal property described in J.3. above. 5. In completing the proof of loss, you must use your own judgment concerning the amount of loss and justify that amount. 6. You must cooperate with the adjuster or representative in the investigation of the claim. 7. The insurance adjuster whom we hire to investigate your claim may furnish you with a proof of loss form, and she or he may help you complete it. However, this is a matter of courtesy only, and you must still send us a proof of loss within 60 days after the loss even if the adjuster does not furnish the form or help you complete it. 8. We have not authorized the adjuster to approve or disapprove claims or to tell you whether we will approve your claim. 9. At our option, we may accept the adjuster’s report of the loss instead of your proof of loss. The adjuster’s report will include information about your loss and the damages you sustained. You must sign the adjuster’s report. At our option, we may require you to swear to the report. K. Our Options After a Loss Options we may, in our sole discretion, exercise after loss include the following: 1. At such reasonable times and places that we may designate, you must: a. Show us or our representative the damaged property; b. Submit to examination under oath, while not in the presence of another insured, and sign the same; and c. Permit us to examine and make extracts and copies of: (1) Any policies of property insurance insuring you against loss and the deed establishing your ownership of the insured real property; (2) Condominium association documents including the Declarations of the condominium, its Articles of Association or Incorporation, Bylaws, rules and regulations, and other relevant documents if you are a unit owner in a condominium building; and (3) All books of accounts, bills, invoices and other vouchers, or certified copies pertaining to the damaged property if the originals are lost. 2. We may request, in writing, that you furnish us with a complete inventory of the lost, damaged, or destroyed property, including: a. Quantities and costs; b. Actual cash values or replacement cost (whichever is appropriate); c. Amounts of loss claimed; d. Any written plans and specifications for repair of the damaged property that you can reasonably make available to us; and e. Evidence that prior flood damage has been repaired. 3. If we give you written notice within 30 days after we receive your signed, sworn proof of loss, we may: a. Repair, rebuild, or replace any part of the lost, damaged, or destroyed property with material or property of like kind and quality or its functional equivalent; and b. Take all or any part of the damaged property at the value we agree upon or its appraised value. L. No Benefit to Bailee No person or organization, other than you, having custody of covered property will benefit from this insurance. Page 13 of 19 POL 17 May 1, 2011 M. Loss Payment 1. We will adjust all losses with you. We will pay you unless some other person or entity is named in the policy or is legally entitled to receive payment. Loss will be payable 60 days after we receive your proof of loss (or within 90 days after the insurance adjuster files an adjuster’s report signed and sworn to by you in lieu of a proof of loss) and: a. We reach an agreement with you; b. There is an entry of a final judgment; or c. There is a filing of an appraisal award with us, as provided in VII.P. 2. If we reject your proof of loss in whole or in part you may: a. Accept our denial of your claim; b. Exercise your rights under this policy; or c. File an amended proof of loss, as long as it is filed within 60 days of the date of the loss. N. Abandonment You may not abandon to us damaged or undamaged property insured under this policy. O. Salvage We may permit you to keep damaged insured property after a loss, and we will reduce the amount of the loss proceeds payable to you under the policy by the value of the salvage. P. Appraisal If you and we fail to agree on the actual cash value or, if applicable, replacement cost of your damaged property to settle upon the amount of loss, then either may demand an appraisal of the loss. In this event, you and we will each choose a competent and impartial appraiser within 20 days after receiving a written request from the other. The two appraisers will choose an umpire. If they cannot agree upon an umpire within 15 days, you or we may request that the choice be made by a judge of a court of record in the State where the covered property is located. The appraisers will separately state the actual cash value, the replacement cost, and the amount of loss to each item. If the appraisers submit a written report of an agreement to us, the amount agreed upon will be the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will set the amount of actual cash value and loss, or if it applies, the replacement cost and loss. Each party will: 1. Pay its own appraiser; and 2. Bear the other expenses of the appraisal and umpire equally. Q. Mortgage Clause The word “mortgagee” includes trustee. Any loss payable under Coverage A -Building Property will be paid to any mortgagee of whom we have actual notice as well as any other mortgagee or loss payee determined to exist at the time of loss, and you, as interests appear. If more than one mortgagee is named, the order of payment will be the same as the order of precedence of the mortgages. If we deny your claim, that denial will not apply to a valid claim of the mortgagee, if the mortgagee: 1. Notifies us of any change in the ownership or occupancy, or substantial change in risk of which the mortgagee is aware; 2. Pays any premium due under this policy on demand if you have neglected to pay the premium; and 3. Submits a signed, sworn proof of loss within 60 days after receiving notice from us of your failure to do so. All of the terms of this policy apply to the mortgagee. The mortgagee has the right to receive loss payment even if the mortgagee has started foreclosure or similar action on the building. If we decide to cancel or not renew this policy, it will continue in effect for the benefit of the mortgagee only for 30 days after we notify the mortgagee of the cancellation or nonrenewal. If we pay the mortgagee for any loss and deny payment to you, we are subrogated to all the rights of the mortgagee granted under the mortgage on the property. Subrogation will not impair the right of the mortgagee to recover the full amount of the mortgagee’s claim. R. Suit Against Us You may not sue us to recover money under this policy unless you have complied with all the requirements of the policy. If you do sue, you must start the suit within 1 year after the date of the written denial of all or part of the claim, and you must file the suit in the United States District Court of the district in which the insured property was located at the time of loss. This requirement applies to any claim that you may have under this policy and to any dispute that you may have arising out of the handling of any claim under the policy. S. Subrogation Whenever we make a payment for a loss under this policy, we are subrogated to your right to recover for that loss from any other person. That means that your right to Page 14 of 19 POL 18 May 1, 2011 recover for a loss that was partly or totally caused by someone else is automatically transferred to us, to the extent that we have paid you for the loss. We may require you to acknowledge this transfer in writing. After the loss, you may not give up our right to recover this money or do anything that would prevent us from recovering it. If you make any claim against any person who caused your loss and recover any money, you must pay us back first before you may keep any of that money. T. Continuous Lake Flooding 1. If your insured building has been flooded by rising lake waters continuously for 90 days or more and it appears reasonably certain that a continuation of this flooding will result in a covered loss to the insured building equal to or greater than the building policy limits plus the deductible or the maximum payable under the policy for any one building loss, we will pay you the lesser of these two amounts without waiting for the further damage to occur if you sign a release agreeing: a. To make no further claim under this policy; b. Not to seek renewal of this policy; c. Not to apply for any flood insurance under the Act for property at the described location; and d. Not to seek a premium refund for current or prior terms. If the policy term ends before the insured building has been flooded continuously for 90 days, the provisions of this paragraph T.1. will apply when the insured building suffers a covered loss before the policy term ends. 2. If your insured building is subject to continuous lake flooding from a closed basin lake, you may elect to file a claim under either paragraph T.1. above or paragraph T.2. (A “closed basin lake” is a natural lake from which water leaves primarily through evaporation and whose surface area now exceeds or has exceeded 1 square mile at any time in the recorded past. Most of the nation’s closed basin lakes are in the western half of the United States, where annual evaporation exceeds annual precipitation and where lake levels and surface areas are subject to considerable fluctuation due to wide variations in the climate. These lakes may overtop their basins on rare occasions.) Under this paragraph T.2. we will pay your claim as if the building is a total loss even though it has not been continuously inundated for 90 days, subject to the following conditions: a. Lake flood waters must damage or imminently threaten to damage your building. b. Before approval of your claim, you must: (1) Agree to a claim payment that reflects your buying back the salvage on a negotiated basis; and (2) Grant the conservation easement described in FEMA’s “Policy Guidance for Closed Basin Lakes,” to be recorded in the office of the local recorder of deeds. FEMA, in consultation with the community in which the property is located, will identify on a map an area or areas of special consideration (ASC) in which there is a potential for flood damage from continuous lake flooding. FEMA will give the community the agreed-upon map showing the ASC. This easement will only apply to that portion of the property in the ASC. It will allow certain agricultural and recreational uses of the land. The only structures that it will allow on any portion of the property within the ASC are certain simple agricultural and recreational structures. If any of these allowable structures are insurable buildings under the NFIP and are insured under the NFIP, they will not be eligible for the benefits of this paragraph T.2. If a U.S. Army Corps of Engineers certified flood control project or otherwise certified flood control project later protects the property, FEMA will, upon request, amend the ASC to remove areas protected by those projects. The restrictions of the easement will then no longer apply to any portion of the property removed from the ASC; and (3) Comply with paragraphs T.1.a. through T.1.d. above. c. Within 90 days of approval of your claim, you must move your building to a new location outside the ASC. FEMA will give you an additional 30 days to move if you show that there is sufficient reason to extend the time. d. Before the final payment of your claim, you must acquire an elevation certificate and a floodplain development permit from the local floodplain administrator for the new location of your building. e. Before the approval of your claim, the community having jurisdiction over your building must: (1) Adopt a permanent land use ordinance, or a temporary moratorium for a period not to exceed 6 months to be followed immediately by a permanent land use ordinance, that is consistent with the provisions specified in the easement required in paragraph T.2.b. above. (2) Agree to declare and report any violations of this ordinance to FEMA so that under Section 1316 of the National Flood Insurance Act of 1968, as amended, flood insurance to the building can be denied; and Page 15 of 19 POL 19 May 1, 2011 (3) Agree to maintain as deed-restricted, for purposes compatible with open space or agricultural or recreational use only, any affected property the community acquires an interest in. These deed restrictions must be consistent with the provisions of paragraph T.2.b. above, except that, even if a certified project protects the property, the land use restrictions continue to apply if the property was acquired under the Hazard Mitigation Grant Program or the Flood Mitigation Assistance Program. If a nonprofit land trust organization receives the property as a donation, that organization must maintain the property as deed-restricted, consistent with the provisions of paragraph T.2.b. above. f. Before the approval of your claim, the affected State must take all action set forth in FEMA’s “Policy Guidance for Closed Basin Lakes.” g. You must have NFIP flood insurance coverage continuously in effect from a date established by FEMA until you file a claim under paragraph T.2. If a subsequent owner buys NFIP insurance that goes into effect within 60 days of the date of transfer of title, any gap in coverage during that 60-day period will not be a violation of this continuous coverage requirement. For the purpose of honoring a claim under this paragraph T.2., we will not consider to be in effect any increased coverage that became effective after the date established by FEMA. The exception to this is any increased coverage in the amount suggested by your insurer as an inflation adjustment. h. This paragraph T.2. will be in effect for a community when the FEMA Regional Director for the affected region provides to the community, in writing, the following: (1) Confirmation that the community and the State are in compliance with the conditions in paragraphs T.2.e. and T.2.f. above; and (2) The date by which you must have flood insurance in effect. U. Duplicate Policies Not Allowed 1. We will not insure your property under more than one NFIP policy. If we find that the duplication was not knowingly created, we will give you written notice. The notice will advise you that you may choose one of several options under the following procedures: a. If you choose to keep in effect the policy with the earlier effective date, you may also choose to add the coverage limits of the later policy to the limits of the earlier policy. The change will become effective as of the effective date of the later policy. b. If you choose to keep in effect the policy with the later effective date, you may also choose to add the coverage limits of the earlier policy to the limits of the later policy. The change will be effective as of the effective date of the later policy. In either case, you must pay the pro rata premium for the increased coverage limits within 30 days of the written notice. In no event will the resulting coverage limits exceed the permissible limits of coverage under the Act or your insurable interest, whichever is less. We will make a refund to you, according to applicable NFIP rules, of the premium for the policy not being kept in effect. 2. Your option under Condition U. Duplicate Policies Not Allowed to elect which NFIP policy to keep in effect does not apply when duplicates have been knowingly created. Losses occurring under such circumstances will be adjusted according to the terms and conditions of the earlier policy. The policy with the later effective date will be canceled. V. Loss Settlement 1. Introduction This policy provides three methods of settling losses: Replacement Cost, Special Loss Settlement, and Actual Cash Value. Each method is used for a different type of property, as explained in a.-c. below. a. Replacement Cost loss settlement, described in V.2. below, applies to a single-family dwelling provided: (1) It is your principal residence, which means that, at the time of loss, you or your spouse lived there for at least 80 percent of: (a) The 365 days immediately preceding the loss; or (b) The period of your ownership, if you owned the dwelling for less than 365 days; and (2) At the time of loss, the amount of insurance in this policy that applies to the dwelling is 80 percent or more of its full replacement cost immediately before the loss, or is the maximum amount of insurance available under the NFIP. b. Special loss settlement, described in V.3. below, applies to a single-family dwelling that is a manufactured or mobile home or a travel trailer. c. Actual Cash Value loss settlement applies to a single-family dwelling not subject to replacement cost or special loss settlement, and to the property listed in V.4. below. Page 16 of 19 POL 20 May 1, 2011 2. Replacement Cost Loss Settlement The following loss settlement conditions apply to a single-family dwelling described in V.1.a. above: a. We will pay to repair or replace the damaged dwelling after application of the deductible and without deduction for depreciation, but not more than the least of the following amounts: (1) The building limit of liability shown on your Declarations Page; (2) The replacement cost of that part of the dwelling damaged, with materials of like kind and quality, and for like use; or (3) The necessary amount actually spent to repair or replace the damaged part of the dwelling for like use. b. If the dwelling is rebuilt at a new location, the cost described above is limited to the cost that would have been incurred if the dwelling had been rebuilt at its former location. c. When the full cost of repair or replacement is more than $1,000 or more than 5 percent of the whole amount of insurance that applies to the dwelling, we will not be liable for any loss under V.2.a. above or V.4.a.(2) below unless and until actual repair or replacement is completed. d. You may disregard the replacement cost conditions above and make claim under this policy for loss to dwellings on an actual cash value basis. You may then make claim for any additional liability according to V.2.a., b., and c. above, provided you notify us of your intent to do so within 180 days after the date of loss. e. If the community in which your dwelling is located has been converted from the Emergency Program to the Regular Program during the current policy term, then we will consider the maximum amount of available NFIP insurance to be the amount that was available at the beginning of the current policy term. 3. Special Loss Settlement a. The following loss settlement conditions apply to a single-family dwelling that: (1) Is a manufactured or mobile home or a travel trailer, as defined in II.B.6.b. and II.B.6.c.; (2) Is at least 16 feet wide when fully assembled and has an area of at least 600 square feet within its perimeter walls when fully assembled; and (3) Is your principal residence, as specified in V.1.a.(1) above. b. If such a dwelling is totally destroyed or damaged to such an extent that, in our judgment, it is not economically feasible to repair, at least to its predamage condition, we will, at our discretion, pay the least of the following amounts: (1) The lesser of the replacement cost of the dwelling or 1.5 times the actual cash value, or (2) The building limit of liability shown on your Declarations Page. c. If such a dwelling is partially damaged and, in our judgment, it is economically feasible to repair it to its predamage condition, we will settle the loss according to the Replacement Cost conditions in paragraph V.2. above. 4. Actual Cash Value Loss Settlement The types of property noted below are subject to actual cash value [or in the case of V.4.a.(2) below, proportional] loss settlement. a. A dwelling, at the time of loss, when the amount of insurance on the dwelling is both less than 80 percent of its full replacement cost immediately before the loss and less than the maximum amount of insurance available under the NFIP. In that case, we will pay the greater of the following amounts, but not more than the amount of insurance that applies to that dwelling: (1) The actual cash value, as defined in II.B.2., of the damaged part of the dwelling; or (2) A proportion of the cost to repair or replace the damaged part of the dwelling, without deduction for physical depreciation and after application of the deductible. This proportion is determined as follows: If 80 percent of the full replacement cost of the dwelling is less than the maximum amount of insurance available under the NFIP, then the proportion is determined by dividing the actual amount of insurance on the dwelling by the amount of insurance that represents 80 percent of its full replacement cost. But if 80 percent of the full replacement cost of the dwelling is greater than the maximum amount of insurance available under the NFIP, then the proportion is determined by dividing the actual amount of insurance on the dwelling by the maximum amount of insurance available under the NFIP. b. A two-, three-, or four-family dwelling. c. A unit that is not used exclusively for single- family dwelling purposes. Page 17 of 19 POL 21 May 1, 2011 d. Detached garages. e. Personal property. f. Appliances, carpets, and carpet pads. g. Outdoor awnings, outdoor antennas or aerials of any type, and other outdoor equipment. h. Any property covered under this policy that is abandoned after a loss and remains as debris anywhere on the described location. i. A dwelling that is not your principal residence. 5. Amount of Insurance Required To determine the amount of insurance required for a dwelling immediately before the loss, do not include the value of: a. Footings, foundations, piers, or any other structures or devices that are below the undersurface of the lowest basement floor and support all or part of the dwelling; b. Those supports listed in V.5.a. above that are below the surface of the ground inside the foundation walls if there is no basement; and c. Excavations and underground flues, pipes, wiring, and drains. The Coverage D -Increased Cost of Compliance limit of liability is not included in the determination of the amount of insurance required. VIII. LIBERALIZATION CLAUSE If we make a change that broadens your coverage under change, provided that this implementation date falls within this edition of our policy, but does not require any 60 days before, or during, the policy term stated on the additional premium, then that change will automatically Declarations Page. apply to your insurance as of the date we implement the IX. WHAT LAW GOVERNS This policy and all disputes arising from the handling of National Flood Insurance Act of 1968, as amended (42 any claim under the policy are governed exclusively by U.S.C. 4001, et seq.), and Federal common law. the flood insurance regulations issued by FEMA, the IN WITNESS WHEREOF, we have signed this policy below and hereby enter into this Insurance Agreement. Edward L. Connor Deputy Administrator, Insurance Federal Insurance and Mitigation Administration Page 18 of 19 POL 22 OctOber 1, 2011 CLAIM GUIDELINES IN CASE OF A FLOOD For the protection of you and your family, the following claim guidelines are provided by the National Flood Insurance Program (NFIP). If you are ever in doubt as to what action is needed, consult your insurance representative or call the NFIP toll-free at 1-800-638-6620 or on the TDD line at 1-800-447-9487. Know your insurance representative’s name and telephone number. List them here for fast reference: Insurance Representative Representative’s Phone Number • Notify us or your insurance representative, in writing, as soon as possible after the flood. • If you report to your insurance representative, remind him or her to assign the claim to an NFIP- approved claims adjuster. The NFIP pays for the services of the independent claims adjuster assigned to your claim. • Determine the independent claims adjuster assigned to your claim and contact him or her if you have not been contacted within 24 hours after you reported the claim to your insurance representative. • As soon as possible, separate damaged property from undamaged property so that damage can be inspected and evaluated. • Discuss with the claims adjuster any need you may have for an advance or partial payment for your loss. • To help the claims adjuster, try to take photographs of the outside of the premises showing the flooding and the damage and photographs of the inside of the premises showing the height of the water and the damaged property. • Place all account books, financial records, receipts, and other loss verification material in a safe place for examination and evaluation by the claims adjuster. • Work cooperatively and promptly with the claims adjuster to determine and document all claim items. Be prepared to advise the claims adjuster of the cause and responsible party(ies), if the flooding resulted from other than natural cause. • Make sure that the claims adjuster fully explains, and that you fully understand, all allowances and procedures for processing claim payments on the basis of your proof of loss. This policy requires you to send us detailed proof of loss within 60 days after the loss. • Any and all coverage problems and claim allowance restrictions must be communicated directly from the NFIP. Claims adjusters are not authorized to approve or deny claims; their job is to report to the NFIP on the elements of flood cause and damage. At our option, we may accept an adjuster’s report of the loss instead of your proof of loss. The adjuster’s report will include information about your loss and the damages to your insured property. You must sign the adjuster’s report. At our option, we may require you to swear to the report. (8/09) Page 19 of 19 POL 23 May 1, 2011 This page is intentionally left blank. POL 24 May 1, 2011 National Flood Insurance Program General Property Form Standard Flood Insurance Policy POL 25 May 1, 2011 GENERAL PROPERTY FORM Summary of Significant Changes, December 31, 2000 1. Section III. Property Covered, A. Coverage A Building Property, 3. Additions and extensions to buildings that are connected by a rigid exterior wall, a solid load-bearing interior wall, a stairway, an elevated walkway, or a roof may be insured as part of the building. At the option of the insured, these extensions and additions may be insured separately. Additions and extensions that are attached to and in contact with the building by means of a common interior wall that is not a solid load-bearing wall are always considered part of the building and cannot be insured separately. 2. Section III. Property Covered, B. Coverage B Personal Property, 5. Special Limits Coverage for fine arts, collectibles, jewelry, and furs, etc., has been increased to $2500. 3. Section III. Property Covered B. Coverage B Personal Property, 8. Coverage for condominium unit owners has been extended to apply up to 10 percent of the contents coverage for losses to interior walls, floors, and ceilings not covered by the condominium association’s master policy. 4. Section III. Property Covered, C. Coverage C Other Coverages, 2.a. & b. Coverage for the two loss avoidance measures (sandbagging and relocation of property to protect it from flood or the imminent danger of flood) has been increased to $1,000 for each. 5. Section III. Property Covered, C. Coverage C Other Coverages, 3. Pollution Damage Coverage for damage caused by pollutants to covered property has been limited to $10,000. This does not cover the cost of testing for or monitoring of pollutants unless it is required by law or ordinance. 6. Section IV. Property Not Covered, 5.a. & b. Coverage has been changed to pay for losses to self- propelled vehicles used to service the described location or designed to assist handicapped persons provided that the vehicles are in a building at the described location. 7. Section IV. Property Not Covered, 7. Coverage is now specifically excluded for scrip and stored value cards. 8. Section IV. Property Not Covered, 14. Coverage for swimming pools, hot tubs, and spas (that are not bathroom hot tubs or spas), and their equipment is now excluded. 9. Section V. Exclusions, B.1 & 2. The explanation of when coverage begins as it relates to a loss in progress has been simplified. 10. SectionV. Exclusions,C. Coverage has been clarified to pay for losses from land subsidence under certain circumstances. Subsidence of land along a lake shore or similar body of water which results from the erosion or undermining of the shoreline caused by waves or currents of water exceeding cyclical levels that result in a flood continues to be covered. All other land subsidence is now excluded. 11. Section V. Exclusions, D.4.b.(3) Coverage is now excluded for water, moisture, mildew, or mold damage caused by the policyholder’s failure to inspect and maintain the insured property after the flood waters recede. 12. SectionV. Exclusions,D.6. Coverage is added for damage from the pressure of water against the insured structure with the requirement that there be a flood in the area and the flood is the proximate cause of damage from the pressure of water against the insured structure. 13. Section VII. General Conditions, G. Reduction and Reformation of Coverage, 2.a.(2) If it is discovered before a claim occurs that there is incomplete rating information, the policyholder has 60 days to submit missing rating information. Otherwise, the coverage is limited to the amount of coverage that can be purchased for the premium originally received and can only be increased by an endorsement that is subject to the appropriate waiting period (currently 30 days). POL 26 May 1, 2011 FEDERAL EMERGENCY MANAGEMENT AGENCY NATIONAL FLOOD INSURANCE PROGRAM STANDARD FLOOD INSURANCE POLICY GENERAL PROPERTY FORM PLEASE READ THE POLICY CAREFULLY. THE FLOOD INSURANCE PROVIDED IS SUBJECT TO LIMITATIONS, RESTRICTIONS, AND EXCLUSIONS. THIS POLICY PROVIDES NO COVERAGE: 1. IN A REGULAR PROGRAM COMMUNITY, FOR A RESIDENTIAL CONDOMINIUM BUILDING, AS DEFINED IN THIS POLICY; AND 2. EXCEPT FOR PERSONAL PROPERTY COVERAGE, FOR A UNIT IN A CONDOMINIUM BUILDING. I. AGREEMENT The Federal Emergency Management Agency (FEMA) provides flood insurance under the terms of the National Flood Insurance Act of 1968 and its amendments, and Title 44 of the Code of Federal Regulations (CFR). We will pay you for directphysicallossbyorfromflood to your insured property if you: 1. Have paid the correct premium; 2. Comply with all terms and conditions of this policy; and 3. Have furnished accurate information and statements. We have the right to review the information you give us at any time and to revise your policy based on our review. II. DEFINITIONS A. In this policy, “you” and “your” refer to the insured(s) shown on the Declarations Page of this policy. “Insured(s)” includes: Any mortgagee and loss payee named in the Application and Declarations Page, as well as any other mortgagee or loss payee determined to exist at the time of loss in the order of precedence. “We,” “us,” and “our” refer to the insurer. Some definitions are complex because they are provided as they appear in the law or regulations, or result from court cases. The precise definitions are intended to protect you. Flood, as used in this flood insurance policy, means: 1. A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from: a. Overflow of inland or tidal waters; b. Unusual and rapid accumulation or runoff of surface waters from any source; c. Mudflow. 2. Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined in A.1.a. above. B. The following are the other key definitions that we use in this policy: 1. Act. The National Flood Insurance Act of 1968 and any amendments to it. 2. Actual Cash Value. The cost to replace an insured item of property at the time of loss, less the value of its physical depreciation. 3. Application. The statement made and signed by you or your agent in applying for this policy. The application gives information we use to determine the eligibility of the risk, the kind of policy to be issued, and the correct premium payment. The application is part of this flood insurance policy. For us to issue you a policy, the correct premium payment must accompany the application. 4. Base Flood. A flood having a one percent chance of being equaled or exceeded in any given year. Page 1 of 18 POL 27 May 1, 2011 5. Basement. Any area of the building, including any sunken room or sunken portion of a room, having its floor below ground level (subgrade) on all sides. 6. Building. a. A structure with two or more outside rigid walls and a fully secured roof, that is affixed to a permanent site; b. A manufactured home (a “manufactured home,” also known as a mobile home, is a structure: built on a permanent chassis, transported to its site in one or more sections, and affixed to a permanent foundation); or c. A travel trailer without wheels, built on a chassis and affixed to a permanent foundation, that is regulated under the community’s floodplain management and building ordinances or laws. Building does not mean a gas or liquid storage tank or a recreational vehicle, park trailer, or other similar vehicle, except as described in B.6.c., above. 7. Cancellation. The ending of the insurance coverage provided by this policy before the expiration date. 8. Condominium. That form of ownership of real property in which each unit owner has an undivided interest in common elements. 9. Condominium Association. The entity made up of the unit owners responsible for the maintenance and operation of: a. Common elements owned in undivided shares by unit owners; and b. Other real property in which the unit owners have use rights; where membership in the entity is a required condition of unit ownership. 10. Declarations Page. A computer-generated summary of information you provided in the application for insurance. The DeclarationsPage also describes the term of the policy, limits of coverage, and displays the premium and our name. The Declarations Page is a part of this flood insurance policy. 11. Described Location. The location where the insured building or personal property are found. The described location is shown on the Declarations Page. 12. Direct Physical Loss By or From Flood. Loss or damage to insured property, directly caused by a flood. There must be evidence of physical changes to the property. 13. Elevated Building. A building that has no basement and that has its lowest elevated floor raised above ground level by foundation walls, shear walls, posts, piers, pilings, or columns. 14. Emergency Program. The initial phase of a community’s participation in the National Flood Insurance Program. During this phase, only limited amounts of insurance are available under the Act. 15. Expense Constant. A flat charge you must pay on each new or renewal policy to defray the expenses of the Federal Government related to flood insurance. 16. Federal Policy Fee. A flat charge you must pay on each new or renewal policy to defray certain administrative expenses incurred in carrying out the NationalFloodInsuranceProgram. This fee covers expenses not covered by the expense constant. 17. Improvements. Fixtures, alterations, installations, or additions comprising a part of the insured building. 18. Mudflow. A river of liquid and flowing mud on the surfaces of normally dry land areas, as when earth is carried by a current of water. Other earth movements, such as landslide, slope failure, or a saturated soil mass moving by liquidity down a slope, are not mudflows. 19. National Flood Insurance Program (NFIP). The program of flood insurance coverage and floodplain management administered under the Act and applicable Federal regulations in Title 44 of the Code of Federal Regulations, Subchapter B. 20. Policy. The entire written contract between you and us. It includes: a. This printed form; b. The application and Declarations Page; c. Any endorsement(s) that may be issued; and d. Any renewal certificate indicating that coverage has been instituted for a new policy and new policy term. Only one building, which you specifically described in the application, may be insured under this policy. 21. Pollutants. Substances that include, but are not limited to, any solid, liquid, gaseous, or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste. “Waste” includes, but is not limited to, materials to be recycled, reconditioned, or reclaimed. 22. Post-FIRM Building. A building for which construction or substantial improvement occurred Page 2 of 18 POL 28 May 1, 2011 after December 31, 1974, or on or after the effective date of an initial Flood Insurance Rate Map (FIRM), whichever is later. 23. Probation Premium. A flat charge you must pay on each new or renewal policy issued covering property in a community that the NFIP has placed on probation under the provisions of 44 CFR 59.24. 24. Regular Program. The final phase of a community’s participation in the National Flood Insurance Program. In this phase, a Flood Insurance Rate Map is in effect and full limits of coverage are available under the Act. 25. Residential Condominium Building. A building, owned and administered as a condominium, containing one or more family units and in which at least 75 percent of the floor area is residential. 26. Special Flood Hazard Area. An area having special flood, or mudflow, and/or flood-related erosion hazards, and shown on a Flood Hazard Boundary Map or Flood Insurance Rate Map as Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, VE, or V. 27. Stock. Merchandise held in storage or for sale, raw materials, and in-process or finished goods, including supplies used in their packing or shipping. Stock does not include any property not covered under Section IV. Property Not Covered, except the following: a. Parts and equipment for self-propelled vehicles; b. Furnishings and equipment for watercraft; c. Spas and hot-tubs, including their equipment; and d. Swimming pool equipment. 28. Unit. A unit in a condominium building. 29. Valued Policy. A policy in which the insured and the insurer agree on the value of the property insured, that value being payable in the event of a total loss. The Standard Flood Insurance Policy is not a valued policy. III. PROPERTY COVERED A. COVERAGE A -BUILDING PROPERTY We insure against direct physical loss by or from flood to: 1. The building described on the Declarations Page at the described location. If the building is a condominiumbuilding and the named insured is the condominium association, Coverage A includes all units within the building and the improvements within the units, provided the units are owned in common by all unit owners. 2. We also insure building property for a period of 45 days at another location, as set forth in III.C.2.b., Property Removed to Safety. 3. Additions and extensions attached to and in contact with the building by means of a rigid exterior wall, a solid load-bearing interior wall, a stairway, an elevated walkway, or a roof. At your option, additions and extensions connected by any of these methods may be separately insured. Additions and extensions attached to and in contact with the building by means of a common interior wall that is not a solid load- bearing wall are always considered part of the building and cannot be separately insured. 4. The following fixtures, machinery, and equipment, which are covered under Coverage A only: a. Awnings and canopies; b. Blinds; c. Carpet permanently installed over unfinished flooring; d. Central air conditioners; e. Elevator equipment; f. Fire extinguishing apparatus; g. Fire sprinkler systems; h. Walk-in freezers; i. Furnaces; j. Light fixtures; k. Outdoor antennas and aerials attached to buildings; l. Permanently installed cupboards, bookcases, paneling, and wallpaper; m. Pumps and machinery for operating pumps; n. Ventilating equipment; o. Wall mirrors, permanently installed; and p. In the units within the building, installed: (1) Built-in dishwashers; (2) Built-in microwave ovens; (3) Garbage disposal units; (4) Hot water heaters, including solar water heaters; (5) Kitchen cabinets; (6) Plumbing fixtures; (7) Radiators; (8) Ranges; (9) Refrigerators; and (10) Stoves. Page 3 of 18 POL 29 May 1, 2011 5. Materials and supplies to be used for construction, alteration, or repair of the insured building while the materials and supplies are stored in a fully enclosed building at the describedlocation or on an adjacent property. 6. A building under construction, alteration, or repair at the described location. a. If the structure is not yet walled or roofed as described in the definition for building (see II.B. 6.a.), then coverage applies: (1) Only while such work is in progress; or (2) If such work is halted, only for a period of up to 90 continuous days thereafter. b. However, coverage does not apply until the building is walled and roofed if the lowest floor, including the basement floor, of a non-elevated building or the lowest elevated floor of an elevated building is: (1) Below the base flood elevation in Zones AH, AE, A1-A30, AR, AR/AE, AR/AH, AR/A1-A30, AR/A, AR/AO; or (2) Below the base flood elevation adjusted to include the effect of wave action in Zones VE or V1-V30. The lowest floor levels are based on the bottom of the lowest horizontal structural member of the floor in Zones VE or V1-V30 and the top of the floor in Zones AH, AE, A1-A30, AR, AR/AE, AR/AH, AR/A1-A30, AR/A, AR/AO. 7. A manufactured home or a travel trailer as described in the Definitions section (see II.B.6.b. and II.B.6.c.). If the manufactured home or travel trailer is in a special flood hazard area, it must be anchored in the following manner at the time of the loss: a. By over-the-top or frame ties to ground anchors; or b. In accordance with the manufacturer’s specifications; or c. In compliance with the community’s floodplain management requirements unless it has been continuously insured by the NFIP at the same described location since September 30, 1982. 8. Items of property in a building enclosure below the lowest elevated floor of an elevated post-FIRM building located in Zones A1-A30, AE, AH, AR, AR/A, AR/AE, AR/AH, AR/A1-A30, V1-V30, or VE, or in a basement, regardless of the zone. Coverage is limited to the following: a. Any of the following items, if installed in their functioning locations and, if necessary for operation, connected to a power source: (1) Central air conditioners; (2) Cisterns and the water in them; (3) Drywall for walls and ceilings in a basement and the cost of labor to nail it, unfinished and unfloated and not taped, to the framing; (4) Electrical junction and circuit breaker boxes; (5) Electrical outlets and switches; (6) Elevators, dumbwaiters, and related equipment, except for related equipment installed below the base flood elevation after September 30, 1987; (7) Fuel tanks and the fuel in them; (8) Furnaces and hot water heaters; (9) Heat pumps; (10) Nonflammable insulation in a basement; (11) Pumps and tanks used in solar energy systems; (12) Stairways and staircases attached to the building, not separated from it by elevated walkways; (13) Sump pumps; (14) Water softeners and the chemicals in them, water filters, and faucets installed as an integral part of the plumbing system; (15) Well water tanks and pumps; (16) Required utility connections for any item in this list; and (17) Footings, foundations, posts, pilings, piers, or other foundation walls and anchorage systems required to support a building. b. Clean-up. B. COVERAGE B -PERSONAL PROPERTY 1. If you have purchased personal property coverage, we insure, subject to B.2., 3., and 4. below, against direct physical loss by or from flood to personal property inside a fully enclosed insured building: a. Owned solely by you, or in the case of a condominium, owned solely by the condominium association and used exclusively in the conduct of the business affairs of the condominium association; or b. Owned in common by the unit owners of the condominium association. We also insure such personal property for 45 days while stored at a temporary location, as set forth in III.C.2.b. Property Removed to Safety. Page 4 of 18 POL 30 May 1, 2011 2. When this policy covers personal property, coverage will be either for household personal property or other than household personal property, while within the insured building, but not both. a. If this policy covers household personal property, it will insure household personal property usual to a living quarters, that: (1) Belongs to you, or a member of your household, or at your option: (a) Your domestic worker; (b) Your guest; or (2) You may be legally liable for. b. If this policy covers other than household personal property, it will insure your: (1) Furniture and fixtures; (2) Machinery and equipment; (3) Stock; and (4) Other personal property owned by you and used in your business, subject to IV. Property Not Covered. 3. Coverage for personal property includes the following property, subject to B.1.a. and B.1.b. above, which is covered under Coverage B only: a. Air conditioning units installed in the building; b. Carpet, not permanently installed, over unfinished flooring; c. Carpets over finished flooring; d. Clothes washers and dryers; e. “Cook-out” grills; f. Food freezers, other than walk-in, and food in any freezer; g. Outdoor equipment and furniture stored inside the insured building; h. Ovens and the like; and i. Portable microwave ovens and portable dishwashers. 4. Coverage for items of property in a building enclosure below the lowest elevated floor of an elevated post-FIRM building located in Zones A1A30, AE, AH, AR, AR/A, AR/AE, AR/AH, AR/A1-A30, V1-V30, or VE, or in a basement, regardless of the zone, is limited to the following items, if installed in their functioning locations and, if necessary for operation, connected to a power source: a. Air conditioning units, portable or window type; b. Clothes washers and dryers; and c. Food freezers, other than walk-in, and food in any freezer. 5. Special Limits. We will pay no more than $2,500 for any loss to one or more of the following kinds of personal property: a. Artwork, photographs, collectibles, or memorabilia, including but not limited to, porcelain or other figures, and sports cards; b. Rare books or autographed items; c. Jewelry, watches, precious and semiprecious stones, or articles of gold, silver, or platinum; d. Furs or any article containing fur which represents its principal value. 6. We will pay only for the functional value of antiques. 7. If you are a tenant, you may apply up to 10 percent of the Coverage B limit to improvements: a. Made a part of the building you occupy; and b. You acquired or made at your expense, even though you cannot legally remove them. This coverage does not increase the amount of insurance that applies to insured personal property. 8. If you are a condominium unit owner, you may apply up to 10 percent of the Coverage B limit to cover loss to interior: a. Walls; b. Floors; and c. Ceilings; that are not covered under a policy issued to the condominium association insuring the condominium building. This coverage does not increase the amount of insurance that applies to insured personal property. 9. If you are a tenant, personal property must be inside the fully enclosed building. C. COVERAGE C -OTHER COVERAGES 1. Debris Removal a. We will pay the expense to remove non-owned debris on or in insured property and owned debris anywhere. b. If you or a member of your household perform the removal work, the value of your work will be based on the Federal minimum wage. c. This coverage does not increase the Coverage A or Coverage B limit of liability. Page 5 of 18 POL 31 May 1, 2011 2. Loss Avoidance Measures a. Sandbags, Supplies, and Labor (1) We will pay up to $1,000 for the costs you incur to protect the insured building from a flood or imminent danger of flood, for the following: (a) Your reasonable expenses to buy: (i) Sandbags, including sand to fill them; (ii) Fill for temporary levees; (iii) Pumps; and (iv) Plastic sheeting and lumber used in connection with these items; and (b) The value of work, at the Federal minimum wage, that you perform. (2) This coverage for Sandbags, Supplies, and Labor only applies if damage to insured property by or from flood is imminent and the threat of flood damage is apparent enough to lead a person of common prudence to anticipate flood damage. One of the following must also occur: (a) A general and temporary condition of flooding in the area near the described location must occur, even if the flood does not reach the insured building; or (b) A legally authorized official must issue an evacuation order or other civil order for the community in which the insured building is located calling for measures to preserve life and property from the peril of flood. This coverage does not increase the Coverage A or Coverage B limit of liability. b. Property Removed to Safety (1) We will pay up to $1,000 for the reasonable expenses you incur to move insured property to a place other than the described location that contains the property in order to protect it from flood or the imminent danger of flood. Reasonable expenses include the value of work, at the Federal minimum wage, that you perform. (2) If you move insured property to a location other than the described location that contains the property, in order to protect it from flood or the imminent danger of flood, we will cover such property while at that location for a period of 45 consecutive days from the date you begin to move it there. The personal property that is moved must be placed in a fully enclosed building or otherwise reasonably protected from the elements. Any property removed, including a moveable home described in II.B.6.b. and c., must be placed above ground level or outside of the special flood hazard area. This coverage does not increase the Coverage A or Coverage B limit of liability. 3. Pollution Damage We will pay for damage caused by pollutants to covered property if the discharge, seepage, migration, release, or escape of the pollutants is caused by or results from flood. The most we will pay under this coverage is $10,000. This coverage does not increase the Coverage A or Coverage B limits of liability. Any payment under this provision when combined with all other payments for the same loss cannot exceed the replacementcost or actual cash value, as appropriate, of the covered property. This coverage does not include the testing for or the monitoring of pollutants unless required by law or ordinance. D. COVERAGED-INCREASEDCOSTOFCOMPLIANCE 1. General This policy pays you to comply with a State or local floodplain management law or ordinance affecting repair or reconstruction of a structure suffering flood damage. Compliance activities eligible for payment are: elevation, floodproofing, relocation, or demolition (or any combination of these activities) of your structure. Eligible floodproofing activities are limited to: a. Nonresidential structures. b. Residential structures with basements that satisfy FEMA’s standards published in the Code of Federal Regulations [44 CFR 60.6 (b) or (c)]. 2. Limit of Liability We will pay you up to $30,000 under this Coverage D -Increased Cost of Compliance, which only applies to policies with building coverage (Coverage A). Page 6 of 18 POL 32 May 1, 2011 Our payment of claims under Coverage D is in addition to the amount of coverage which you selected on the application and which appears on the Declarations Page. But the maximum you can collect under this policy for both Coverage A - Building Property and Coverage D -Increased Cost of Compliance cannot exceed the maximum permitted under the Act. We do not charge a separate deductible for a claim under Coverage D. 3. Eligibility a. A structure covered under Coverage A -Building Property sustaining a loss caused by a flood as defined by this policy must: (1) Be a “repetitive loss structure.” A repetitive loss structure is one that meets the following conditions: (a) The structure is covered by a contract of flood insurance issued under the NFIP. (b) The structure has suffered flood damage on two occasions during a 10year period which ends on the date of the second loss. (c) The cost to repair the flood damage, on average, equaled or exceeded 25 percent of the market value of the structure at the time of each flood loss. (d) In addition to the current claim, the NFIP must have paid the previous qualifying claim, and the State or community must have a cumulative, substantial damage provision or repetitive loss provision in its floodplain management law or ordinance being enforced against the structure; or (2) Be a structure that has had flood damage in which the cost to repair equals or exceeds 50 percent of the market value of the structure at the time of the flood. The State or community must have a substantial damage provision in its floodplain management law or ordinance being enforced against the structure. b. This Coverage D pays you to comply with State or local floodplain management laws or ordinances that meet the minimum standards of the National Flood Insurance Program found in the Code of Federal Regulations at 44 CFR 60.3. We pay for compliance activities that exceed those standards under these conditions: (1) 3.a.(1) above. (2) Elevation or floodproofing in any risk zone to preliminary or advisory base flood elevations provided by FEMA which the State or local government has adopted and is enforcing for flood-damaged structures in such areas. (This includes compliance activities in B, C, X, or D zones which are being changed to zones with base flood elevations. This also includes compliance activities in zones where base flood elevations are being increased, and a flood- damaged structure must comply with the higher advisory base flood elevation.) Increased Cost of Compliance coverage does not apply to situations in B, C, X, or D zones where the community has derived its own elevations and is enforcing elevation or floodproofing requirements for flood- damaged structures to elevations derived solely by the community. (3) Elevation or floodproofing above the base flood elevation to meet State or local “freeboard” requirements, i.e., that a structure must be elevated above the base flood elevation. c. Under the minimum NFIP criteria at 44 CFR 60.3 (b)(4), States and communities must require the elevation or floodproofing of structures in unnumbered A zones to the base flood elevation where elevation data is obtained from a Federal, State, or other source. Such compliance activities are also eligible for Coverage D. d. This coverage will also pay for the incremental cost, after demolition or relocation, of elevating or floodproofing a structure during its rebuilding at the same or another site to meet State or local floodplain management laws or ordinances, subject to Exclusion D.5.g. below. e. This coverage will also pay to bring a flood- damaged structure into compliance with State or local floodplain management laws or ordinances even if the structure had received a variance before the present loss from the applicable floodplain management requirements. 4. Conditions a. When a structure covered under Coverage A Building Property sustains a loss caused by a flood, our payment for the loss under this Coverage D will be for the increased cost to elevate, floodproof, relocate, or demolish (or any combination of these activities) caused by the enforcement of current State or local floodplain management ordinances or laws. Our payment for eligible demolition activities will be for the cost to demolish and clear the site of the building debris or a portion thereof caused by the Page 7 of 18 POL 33 May 1, 2011 enforcement of current State or local floodplain management ordinances or laws. Eligible activities for the cost of clearing the site will include those necessary to discontinue utility service to the site and ensure proper abandonment of on-site utilities. b. When the buildingis repaired or rebuilt, it must be intended for the same occupancy as the present building unless otherwise required by current floodplain management ordinances or laws. 5. Exclusions Under this Coverage D-Increased Cost of Compliance we will not pay for: a. The cost to comply with any floodplain management law or ordinance in communities participating in the Emergency Program. b. The cost associated with enforcement of any ordinance or law that requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of pollutants. c. The loss in value to any insured building or other structure due to the requirements of any ordinance or law. d. The loss in residual value of the undamaged portion of a building demolished as a consequence of enforcement of any State or local floodplain management law or ordinance. e. Any Increased Cost of Compliance under this Coverage D: (1) Until the building is elevated, floodproofed, demolished, or relocated on the same or to another premises; and (2) Unless the building is elevated, floodproofed, demolished, or relocated as soon as reasonably possible after the loss, not to exceed 2 years. f. Any code upgrade requirements, e. g., plumbing or electrical wiring, not specifically related to the State or local floodplain management law or ordinance. g. Any compliance activities needed to bring additions or improvements made after the loss occurred into compliance with State or local floodplain management laws or ordinances. h. Loss due to any ordinance or law that you were required to comply with before the current loss. i. Any rebuilding activity to standards that do not meet the NFIP’s minimum requirements. This includes any situation where the insured has received from the State or community a variance in connection with the current flood loss to rebuild the property to an elevation below the base flood elevation. j. Increased Cost of Compliance for a garage or carport. k. Any structure insured under an NFIP Group Flood Insurance Policy. l. Assessments made by a condominium association on individual condominium unit owners to pay increased costs of repairing commonly owned buildings after a flood in compliance with State or local floodplain management ordinances or laws. 6. Other Provisions All other conditions and provisions of this policy apply. IV. PROPERTY NOT COVERED We do not cover any of the following property: 4. Recreational vehicles other than travel trailers described in II.B.6.c., whether affixed to a permanent 1. Personal property not inside the fully enclosed foundation or on wheels; building; 5. Self-propelled vehicles or machines, including their 2. A building, and personal property in it, located parts and equipment. However, we do cover self- entirely in, on, or over water or seaward of mean high propelled vehicles or machines not licensed for use tide, if it was constructed or substantially improved on public roads that are: after September 30, 1982; a. Used mainly to service the described location, 3. Open structures, including a building used as a or boathouse or any structure or building into which boats are floated, and personal property located in, on, or over water; Page 8 of 18 POL 34 May 1, 2011 b. Designed and used to assist handicapped persons, while the vehicles or machines are inside a building at the described location; 6. Land, land values, lawns, trees, shrubs, plants, growing crops, or animals; 7. Accounts, bills, coins, currency, deeds, evidences of debt, medals, money, scrip, stored value cards, postage stamps, securities, bullion, manuscripts, or other valuable papers; 8. Underground structures and equipment, including wells, septic tanks, and septic systems; 9. Those portions of walks, walkways, decks, driveways, patios, and other surfaces, all whether protected by a roof or not, located outside the perimeter, exterior walls of the insured building; 10. Containers, including related equipment, such as, but not limited to, tanks containing gases or liquids; 11. Buildings or units and all their contents if more than 49 percent of the actual cash value of the building or unit is below ground, unless the lowest level is at or above the base flood elevation and is below ground by reason of earth having been used as insulation material in conjunction with energy efficient building techniques; 12. Fences, retaining walls, seawalls, bulkheads, wharves, piers, bridges, and docks; 13. Aircraft or watercraft, or their furnishings and equipment; 14. Hot tubs and spas that are not bathroom fixtures, and swimming pools, and their equipment such as, but not limited to, heaters, filters, pumps, and pipes, wherever located; 15. Property not eligible for flood insurance pursuant to the provisions of the Coastal Barrier Resources Act and the Coastal Barrier Improvement Act of 1990 and amendments to these acts; 16. Personal property owned by or in the care, custody, or control of a unit owner, except for property of the type and under the circumstances set forth under Coverage B -Personal Property; 17. A residential condominium building located in a Regular Program community. V. EXCLUSIONS A. We only provide coverage for direct physical loss by or from flood, which means that we do not pay you for: 1. Loss of revenue or profits; 2. Loss of access to the insured property or described location; 3. Loss of use of the insured property or described location; 4. Loss from interruption of business or production; 5. Any additional living expenses incurred while the insured building is being repaired or is unable to be occupied for any reason; 6. The cost of complying with any ordinance or law requiring or regulating the construction, demolition, remodeling, renovation, or repair of property, including removal of any resulting debris. This exclusion does not apply to any eligible activities that we describe in Coverage D -Increased Cost of Compliance; or 7. Any other economic loss. B. We do not insure a loss directly or indirectly caused by a flood that is already in progress at the date and time: 1. The policy term begins; or 2. Coverage is added at your request. C. We do not insure for loss to property caused directly by earth movement even if the earth movement is caused by flood. Some examples of earth movement that we do not cover are: 1. Earthquake; 2. Landslide; 3. Land subsidence; 4. Sinkholes; 5. Destabilization or movement of land that results from accumulation of water in subsurface land areas; or Page 9 of 18 POL 35 May 1, 2011 6. Gradual erosion. We do, however, pay for losses from mudflow and land subsidence as a result of erosion that are specifically covered under our definition of flood (see II.A.1.c. and II.A.2.). D. We do not insure for direct physical loss caused directly or indirectly by: 1. The pressure or weight of ice; 2. Freezing or thawing; 3. Rain, snow, sleet, hail, or water spray; 4. Water, moisture, mildew, or mold damage that results primarily from any condition: a. Substantially confined to the insured building; or b. That is within your control including, but not limited to: (1) Design, structural, or mechanical defects; (2) Failure, stoppage, or breakage of water or sewer lines, drains, pumps, fixtures, or equipment; or (3) Failure to inspect and maintain the property after a flood recedes; 5. Water or waterborne material that: a. Backs up through sewers or drains; b. Discharges or overflows from a sump, sump pump, or related equipment; or c. Seeps or leaks on or through insured property; unless there is a flood in the area and the flood is the proximate cause of the sewer or drain backup, sump pump discharge or overflow, or the seepage of water; 6. The pressure or weight of water unless there is a flood in the area and the flood is the proximate cause of the damage from the pressure or weight of water; 7. Power, heating, or cooling failure unless the failure results from directphysicallossbyorfromfloodto power, heating, or cooling equipment situated on the described location; 8. Theft, fire, explosion, wind, or windstorm; 9. Anything you or your agent do or conspire to do to cause loss by flood deliberately; or 10. Alteration of the insured property that significantly increases the risk of flooding. E. We do not insure for loss to any building or personal property located on land leased from the Federal Government, arising from or incident to the flooding of the land by the Federal Government, where the lease expressly holds the Federal Government harmless under flood insurance issued under any Federal Government program. VI. DEDUCTIBLES A. When a loss is covered under this policy, we will pay only that part of the loss that exceeds the applicable deductible amount, subject to the limit of liability that applies. The deductible amount is shown on the Declarations Page. However, when a building under construction, alteration, or repair does not have at least two rigid exterior walls and a fully secured roof at the time of loss, your deductible amount will be two times the deductible that would otherwise apply to a completed building. B. In each loss from flood, separate deductibles apply to the building and personal property insured by this policy. C. No deductible applies to: 1. III.C.2. Loss Avoidance Measures; or 2. III.D. Increased Cost of Compliance. VII. GENERAL CONDITIONS A. Pairs and Sets 1. An amount equal to the cost of replacing the lost, damaged, or destroyed article, less depreciation; or In case of loss to an article that is part of a pair or set, we will have the option of paying you: 2. An amount that represents the fair proportion of the total value of the pair or set that the lost, damaged, or destroyed article bears to the pair or set. Page 10 of 18 POL 36 May 1, 2011 B. Concealment or Fraud and Policy Voidance 1. With respect to all insureds under this policy, this policy: a. Is void; b. Has no legal force or effect; c. Cannot be renewed; and d. Cannot be replaced by a new NFIP policy; if, before or after a loss, you or any other insured or your agent have at any time: (1) Intentionally concealed or misrepresented any material fact or circumstance; (2) Engaged in fraudulent conduct; or (3) Made false statements; relating to this policy or any other NFIP insurance. 2. This policy will be void as of the date the wrongful acts described in B.1. above were committed. 3. Fines, civil penalties, and imprisonment under applicable Federal laws may also apply to the acts of fraud or concealment described above. 4. This policy is also void for reasons other than fraud, misrepresentation, or wrongful act. This policy is void from its inception and has no legal force under the following conditions: a. If the property is located in a community that was not participating in the NFIP on the policy’s inception date and did not join or reenter the program during the policy term and before the loss occurred; or b. If the property listed on the application is otherwise not eligible for coverage under the NFIP. C. Other Insurance 1. If a loss covered by this policy is also covered by other insurance that includes flood coverage not issued under the Act, we will not pay more than the amount of insurance that you are entitled to for lost, damaged, or destroyed property insured under this policy subject to the following: a. We will pay only the proportion of the loss that the amount of insurance that applies under this policy bears to the total amount of insurance covering the loss, unless C.1.b. or c. immediately below applies. b. If the other policy has a provision stating that it is excess insurance, this policy will be primary. c. This policy will be primary (but subject to its own deductible) up to the deductible in the other flood policy (except another policy as described in C.1.b. above). When the other deductible amount is reached, this policy will participate in the same proportion that the amount of insurance under this policy bears to the total amount of both policies, for the remainder of the loss. 2. If this policy covers a condominium association and there is a flood insurance policy in the name of a unit owner that covers the same loss as this policy, then this policy will be primary. D. Amendments, Waivers, Assignment This policy cannot be changed nor can any of its provisions be waived without the express written consent of the Federal Insurance Administrator. No action that we take under the terms of this policy can constitute a waiver of any of our rights. You may assign this policy in writing when you transfer title of your property to someone else, except under these conditions: 1. When this policy covers only personal property; or 2. When this policy covers a structure during the course of construction. E. Cancellation of Policy by You 1. You may cancel this policy in accordance with the applicable rules and regulations of the NFIP. 2. If you cancel this policy, you may be entitled to a full or partial refund of premium also under the applicable rules and regulations of the NFIP. F. Nonrenewal of the Policy by Us Your policy will not be renewed: 1. If the community where your covered property is located stops participating in the NFIP; or 2. If your building has been declared ineligible under Section 1316 of the Act. G. Reduction and Reformation of Coverage 1. If the premium we received from you was not enough to buy the kind and amount of coverage you requested, we will provide only the amount of coverage that can be purchased for the premium payment we received. Page 11 of 18 POL 37 May 1, 2011 2. The policy can be reformed to increase the amount of coverage resulting from the reduction described in G.1. above to the amount you requested as follows: a. Discovery of insufficient premium or incomplete rating information before a loss. (1) If we discover before you have a flood loss that your premium payment was not enough to buy the requested amount of coverage, we will send you and any mortgagee or trustee known to us a bill for the required additional premium for the current policy term (or that portion of the current policy term following any endorsement changing the amount of coverage). If you or the mortgagee or trustee pay the additional premium within 30 days from the date of our bill, we will reform the policy to increase the amount of coverage to the originally requested amount effective to the beginning of the current policy term (or subsequent date of any endorsement changing the amount of coverage). (2) If we determine before you have a flood loss that the rating information we have is incomplete and prevents us from calculating the additional premium, we will ask you to send the required information. You must submit the information within 60 days of our request. Once we determine the amount of additional premium for the current policy term, we will follow the procedure in G.2.a.(1) above. (3) If we do not receive the additional premium (or additional information) by the date it is due, the amount of coverage can only be increased by endorsement subject to any appropriate waiting period. b. Discovery of insufficient premium or incomplete rating information after a loss. (1) If we discover after you have a flood loss that your premium payment was not enough to buy the requested amount of coverage, we will send you and any mortgagee or trustee known to us a bill for the required additional premium for the current and the prior policy terms. If you or the mortgagee or trustee pay the additional premium within 30 days from the date of our bill, we will reform the policy to increase the amount of coverage to the originally requested amount effective to the beginning of the prior policy term. (2) If we discover after you have a flood loss that the rating information we have is incomplete and prevents us from calculating the additional premium, we will ask you to send the required information. You must submit the information before your claim can be paid. Once we determine the amount of additional premium for the current and prior policy terms, we will follow the procedure in G.2.b.(1) above. (3) If we do not receive the additional premium by the date it is due, your flood insurance claim will be settled based on the reduced amount of coverage. The amount of coverage can only be increased by endorsement subject to any appropriate waiting period. 3. However, if we find that you or your agent intentionally did not tell us, or falsified, any important fact or circumstance or did anything fraudulent relating to this insurance, the provisions of Condition B. Concealment or Fraud and Policy Voidance apply. H. Policy Renewal 1. This policy will expire at 12:01 a.m. on the last day of the policy term. 2. We must receive the payment of the appropriate renewal premium within 30 days of the expiration date. 3. If we find, however, that we did not place your renewal notice into the U.S. Postal Service, or if we did mail it, we made a mistake, e.g., we used an incorrect, incomplete, or illegible address, which delayed its delivery to you before the due date for the renewal premium, then we will follow these procedures: a. If you or your agent notified us, not later than one year after the date on which the payment of the renewal premium was due, of nonreceipt of a renewal notice before the due date for the renewal premium, and we determine that the circumstances in the preceding paragraph apply, we will mail a second bill providing a revised due date, which will be 30 days after the date on which the bill is mailed. b. If we do not receive the premium requested in the second bill by the revised due date, then we will not renew the policy. In that case, the policy will remain an expired policy as of the expiration date shown on the Declarations Page. 4. In connection with the renewal of this policy, we may ask you during the policy term to recertify, on a Recertification Questionnaire that we will provide to you, the rating information used to rate your most recent application for or renewal of insurance. I. Conditions Suspending or Restricting Insurance We are not liable for loss that occurs while there is a hazard that is increased by any means within your control or knowledge. Page 12 of 18 POL 38 May 1, 2011 J. Requirements in Case of Loss In case of a flood loss to insured property, you must: 1. Give prompt written notice to us; 2. As soon as reasonably possible, separate the damaged and undamaged property, putting it in the best possible order so that we may examine it; 3. Prepare an inventory of damaged property showing the quantity, description, actual cash value, and amount of loss. Attach all bills, receipts, and related documents; 4. Within 60 days after the loss, send us a proof of loss, which is your statement of the amount you are claiming under the policy signed and sworn to by you, and which furnishes us with the following information: a. The date and time of loss; b. A brief explanation of how the loss happened; c. Your interest (for example, “owner”) and the interest, if any, of others in the damaged property; d. Details of any other insurance that may cover the loss; e. Changes in title or occupancy of the insured property during the term of the policy; f. Specifications of damaged buildings and detailed repair estimates; g. Names of mortgagees or anyone else having a lien, charge, or claim against the insured property; h. Details about who occupied any insured building at the time of loss and for what purpose; and i. The inventory of damaged property described in J.3. above. 5. In completing the proof of loss, you must use your own judgment concerning the amount of loss and justify that amount. 6. You must cooperate with the adjuster or representative in the investigation of the claim. 7. The insurance adjuster whom we hire to investigate your claim may furnish you with a proof of loss form, and she or he may help you complete it. However, this is a matter of courtesy only, and you must still send us a proof of loss within 60 days after the loss even if the adjuster does not furnish the form or help you complete it. 8. We have not authorized the adjuster to approve or disapprove claims or to tell you whether we will approve your claim. 9. At our option, we may accept the adjuster’s report of the loss instead of your proof of loss. The adjuster’s report will include information about your loss and the damages you sustained. You must sign the adjuster’s report. At our option, we may require you to swear to the report. K. Our Options After a Loss Options we may, in our sole discretion, exercise after loss include the following: 1. At such reasonable times and places that we may designate, you must: a. Show us or our representative the damaged property; b. Submit to examination under oath, while not in the presence of another insured, and sign the same; and c. Permit us to examine and make extracts and copies of: (1) Any policies of property insurance insuring you against loss and the deed establishing your ownership of the insured real property; (2) Condominium association documents including the Declarations of the condominium, its Articles of Association or Incorporation, Bylaws, and rules and regulations; and (3) All books of accounts, bills, invoices and other vouchers, or certified copies pertaining to the damaged property if the originals are lost. 2. We may request, in writing, that you furnish us with a complete inventory of the lost, damaged, or destroyed property, including: a. Quantities and costs; b. Actual cash values; c. Amounts of loss claimed; d. Any written plans and specifications for repair of the damaged property that you can reasonably make available to us; and e. Evidence that prior flood damage has been repaired. 3. If we give you written notice within 30 days after we receive your signed, sworn proof of loss, we may: Page 13 of 18 POL 39 May 1, 2011 a. Repair, rebuild, or replace any part of the lost, damaged, or destroyed property with material or property of like kind and quality or its functional equivalent; and b. Take all or any part of the damaged property at the value we agree upon or its appraised value. L. No Benefit to Bailee No person or organization, other than you, having custody of covered property will benefit from this insurance. M. Loss Payment 1. We will adjust all losses with you. We will pay you unless some other person or entity is named in the policy or is legally entitled to receive payment. Loss will be payable 60 days after we receive your proof of loss (or within 90 days after the insurance adjuster files an adjuster’s report signed and sworn to by you in lieu of a proof of loss) and: a. We reach an agreement with you; b. There is an entry of a final judgment; or c. There is a filing of an appraisal award with us, as provided in VII.P. 2. If we reject your proof of loss in whole or in part you may: a. Accept such denial of your claim; b. Exercise your rights under this policy; or c. File an amended proof of loss, as long as it is filed within 60 days of the date of the loss. N. Abandonment You may not abandon damaged or undamaged insured property to us. O. Salvage We may permit you to keep damaged insured property after a loss, and we will reduce the amount of the loss proceeds payable to you under the policy by the value of the salvage. P. Appraisal If you and we fail to agree on the actual cash value of the damaged property so as to determine the amount of loss, either may demand an appraisal of the loss. In this event, you and we will each choose a competent and impartial appraiser within 20 days after receiving a written request from the other. The two appraisers will choose an umpire. If they cannot agree upon an umpire within 15 days, you or we may request that the choice be made by a judge of a court of record in the State where the insured property is located. The appraisers will separately state the actual cash value and the amount of loss to each item. If the appraisers submit a written report of an agreement to us, the amount agreed upon will be the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will set the amount of actual cash value and loss. Each party will: 1. Pay its own appraiser; and 2. Bear the other expenses of the appraisal and umpire equally. Q. Mortgage Clause The word “mortgagee” includes trustee. Any loss payable under Coverage A -Building Property will be paid to any mortgagee of whom we have actual notice as well as any other mortgagee or loss payee determined to exist at the time of loss, and you, as interests appear. If more than one mortgagee is named, the order of payment will be the same as the order of precedence of the mortgages. If we deny your claim, that denial will not apply to a valid claim of the mortgagee, if the mortgagee: 1. Notifies us of any change in the ownership or occupancy, or substantial change in risk of which the mortgagee is aware; 2. Pays any premium due under this policy on demand if you have neglected to pay the premium; and 3. Submits a signed, sworn proof of loss within 60 days after receiving notice from us of your failure to do so. All of the terms of this policy apply to the mortgagee. The mortgagee has the right to receive loss payment even if the mortgagee has started foreclosure or similar action on the building. If we decide to cancel or not renew this policy, it will continue in effect for the benefit of the mortgagee only for 30 days after we notify the mortgagee of the cancellation or nonrenewal. If we pay the mortgagee for any loss and deny payment to you, we are subrogated to all the rights of the mortgagee granted under the mortgage on the property. Subrogation will not impair the right of the mortgagee to recover the full amount of the mortgagee’s claim. R. Suit Against Us You may not sue us to recover money under this policy unless you have complied with all the requirements of the policy. If you do sue, you must start the suit within one year of the date of the written denial of all or part of the Page 14 of 18 POL 40 May 1, 2011 claim, and you must file the suit in the United States District Court of the district in which the insured property was located at the time of loss. This requirement applies to any claim that you may have under this policy and to any dispute that you may have arising out of the handling of any claim under the policy. S. Subrogation Whenever we make a payment for a loss under this policy, we are subrogated to your right to recover for that loss from any other person. That means that your right to recover for a loss that was partly or totally caused by someone else is automatically transferred to us, to the extent that we have paid you for the loss. We may require you to acknowledge this transfer in writing. After the loss, you may not give up our right to recover this money or do anything that would prevent us from recovering it. If you make any claim against any person who caused your loss and recover any money, you must pay us back first before you may keep any of that money. T. Continuous Lake Flooding 1. If your insured building has been flooded by rising lake waters continuously for 90 days or more and it appears reasonably certain that a continuation of this flooding will result in a covered loss to the insured building equal to or greater than the building policy limits plus the deductible or the maximum payable under the policy for any one building loss, we will pay you the lesser of these two amounts without waiting for the further damage to occur if you sign a release agreeing: a. To make no further claim under this policy; b. Not to seek renewal of this policy; c. Not to apply for any flood insurance under the Act for property at the described location; and d. Not to seek a premium refund for current or prior terms. If the policy term ends before the insured building has been flooded continuously for 90 days, the provisions of this paragraph T.1. will apply when the insured building suffers a covered loss before the policy term ends. 2. If your insured building is subject to continuous lake flooding from a closed basin lake, you may elect to file a claim under either paragraph T.1. above or this paragraph T.2. (A “closed basin lake” is a natural lake from which water leaves primarily through evaporation and whose surface area now exceeds or has exceeded one square mile at any time in the recorded past. Most of the nation’s closed basin lakes are in the western half of the United States, where annual evaporation exceeds annual precipitation and where lake levels and surface areas are subject to considerable fluctuation due to wide variations in the climate. These lakes may overtop their basins on rare occasions.) Under this paragraph T.2. we will pay your claim as if the building is a total loss even though it has not been continuously inundated for 90 days, subject to the following conditions: a. Lake flood waters must damage or imminently threaten to damage your building. b. Before approval of your claim, you must: (1) Agree to a claim payment that reflects your buying back the salvage on a negotiated basis; and (2) Grant the conservation easement described in FEMA’s “Policy Guidance for Closed Basin Lakes,” to be recorded in the office of the local recorder of deeds. FEMA, in consultation with the community in which the property is located, will identify on a map an area or areas of special consideration (ASC) in which there is a potential for flood damage from continuous lake flooding. FEMA will give the community the agreed-upon map showing the ASC. This easement will only apply to that portion of the property in the ASC. It will allow certain agricultural and recreational uses of the land. The only structures that it will allow on any portion of the property within the ASC are certain simple agricultural and recreational structures. If any of these allowable structures are insurable buildings under the NFIP and are insured under the NFIP, they will not be eligible for the benefits of this paragraph T.2. If a U.S. Army Corps of Engineers certified flood control project or otherwise certified flood control project later protects the property, FEMA will, upon request, amend the ASC to remove areas protected by those projects. The restrictions of the easement will then no longer apply to any portion of the property removed from the ASC; and (3) Comply with paragraphs T.1.a. through T.1.d. above. c. Within 90 days of approval of your claim, you must move your building to a new location outside the ASC. FEMA will give you an additional 30 days to move if you show that there is sufficient reason to extend the time. d. Before the final payment of your claim, you must acquire an elevation certificate and a floodplain development permit from the local floodplain administrator for the new location of your building. e. Before the approval of your claim, the community having jurisdiction over your building must: Page 15 of 18 POL 41 May 1, 2011 (1) Adopt a permanent land use ordinance, or a temporary moratorium for a period not to exceed 6 months to be followed immediately by a permanent land use ordinance, that is consistent with the provisions specified for the easement required in paragraph T.2.b. above; (2) Agree to declare and report any violations of this ordinance to FEMA so that under Section 1316 of the National Flood Insurance Act of 1968, as amended, flood insurance to the building can be denied; and (3) Agree to maintain as deed-restricted, for purposes compatible with open space or agricultural or recreational use only, any affected property the community acquires an interest in. These deed restrictions must be consistent with the provisions of paragraph T.2.b. above, except that, even if a certified project protects the property, the land use restrictions continue to apply if the property was acquired under the Hazard Mitigation Grant Program or the Flood Mitigation Assistance Program. If a nonprofit land trust organization receives the property as a donation, that organization must maintain the property as deed-restricted, consistent with the provisions of paragraph T.2.b. above. f. Before the approval of your claim, the affected State must take all action set forth in FEMA’s “Policy Guidance for Closed Basin Lakes.” g. You must have NFIP flood insurance coverage continuously in effect from a date established by FEMA until you file a claim under this paragraph T.2. If a subsequent owner buys NFIP insurance that goes into effect within 60 days of the date of transfer of title, any gap in coverage during that 60-day period will not be a violation of this continuous coverage requirement. For the purpose of honoring a claim under this paragraph T.2., we will not consider to be in effect any increased coverage that became effective after the date established by FEMA. The exception to this is any increased coverage in the amount suggested by your insurer as an inflation adjustment. h. This paragraph T.2. will be in effect for a community when the FEMA Regional Director for the affected region provides to the community, in writing, the following: (1) Confirmation that the community and the State are in compliance with the conditions in paragraphs T.2.e. and T.2.f. above; and (2) The date by which you must have flood insurance in effect. U. Duplicate Policies Not Allowed 1. We will not insure your property under more than one NFIP policy. If we find that the duplication was not knowingly created, we will give you written notice. The notice will advise you that you may choose one of several options under the following procedures: a. If you choose to keep in effect the policy with the earlier effective date, you may also choose to add the coverage limits of the later policy to the limits of the earlier policy. The change will become effective as of the effective date of the later policy. b. If you choose to keep in effect the policy with the later effective date, you may also choose to add the coverage limits of the earlier policy to the limits of the later policy. The change will be effective as of the effective date of the later policy. In either case, you must pay the pro rata premium for the increased coverage limits within 30 days of the written notice. In no event will the resulting coverage limits exceed the permissible limits of coverage under the Act or your insurable interest, whichever is less. We will make a refund to you, according to applicable NFIP rules, of the premium for the policy not being kept in effect. 2. The insured’s option under this Condition U. Duplicate Policies Not Allowed to elect which NFIP policy to keep in effect does not apply when duplicates have been knowingly created. Losses occurring under such circumstances will be adjusted according to the terms and conditions of the earlier policy. The policy with the later effective date must be canceled. V. Loss Settlement We will pay the least of the following amounts after application of the deductible: 1. The applicable amount of insurance under this policy; 2. The actual cash value; or 3. The amount it would cost to repair or replace the property with material of like kind and quality within a reasonable time after the loss. Page 16 of 18 POL 42 May 1, 2011 VIII. LIBERALIZATION CLAUSE If we make a change that broadens your coverage under change, provided that this implementation date falls within this edition of our policy, but does not require any 60 days before, or during, the policy term stated on the additional premium, then that change will automatically Declarations Page. apply to your insurance as of the date we implement the IX. WHAT LAW GOVERNS This policy and all disputes arising from the handling of National Flood Insurance Act of 1968, as amended (42 any claim under the policy are governed exclusively by U.S.C. 4001, et seq.), and Federal common law. the flood insurance regulations issued by FEMA, the IN WITNESS WHEREOF, we have signed this policy below and hereby enter into this Insurance Agreement. Edward L. Connor Deputy Administrator, Insurance Federal Insurance and Mitigation Administration Page 17 of 18 POL 43 OctOber 1, 2011 CLAIM GUIDELINES IN CASE OF A FLOOD For the protection of you and your family, the following claim guidelines are provided by the National Flood Insurance Program (NFIP). If you are ever in doubt as to what action is needed, consult your insurance representative or call the NFIP toll-free at 1-800-638-6620 or on the TDD line at 1-800-447-9487. Know your insurance representative’s name and telephone number. List them here for fast reference: Insurance Representative Representative’s Phone Number • Notify us or your insurance representative, in writing, as soon as possible after the flood. • If you report to your insurance representative, remind him or her to assign the claim to an NFIP- approved claims adjuster. The NFIP pays for the services of the independent claims adjuster assigned to your claim. • Determine the independent claims adjuster assigned to your claim and contact him or her if you have not been contacted within 24 hours after you reported the claim to your insurance representative. • As soon as possible, separate damaged property from undamaged property so that damage can be inspected and evaluated. • Discuss with the claims adjuster any need you may have for an advance or partial payment for your loss. • To help the claims adjuster, try to take photographs of the outside of the premises showing the flooding and the damage and photographs of the inside of the premises showing the height of the water and the damaged property. • Place all account books, financial records, receipts, and other loss verification material in a safe place for examination and evaluation by the claims adjuster. • Work cooperatively and promptly with the claims adjuster to determine and document all claim items. Be prepared to advise the claims adjuster of the cause and responsible party(ies), if the flooding resulted from other than natural cause. • Make sure that the claims adjuster fully explains, and that you fully understand, all allowances and procedures for processing claim payments on the basis of your proof of loss. This policy requires you to send us detailed proof of loss within 60 days after the loss. • Any and all coverage problems and claim allowance restrictions must be communicated directly from the NFIP. Claims adjusters are not authorized to approve or deny claims; their job is to report to the NFIP on the elements of flood cause and damage. At our option, we may accept an adjuster’s report of the loss instead of your proof of loss. The adjuster’s report will include information about your loss and the damages to your insured property. You must sign the adjuster’s report. At our option, we may require you to swear to the report. (8/09) Page 18 of 18 POL 44 May 1, 2011 National Flood Insurance Program Residential Condominium Building Association Policy Standard Flood Insurance Policy POL 45 May 1, 2011 RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY Summary of Significant Changes, December 31, 2000 1. Section III. Property Covered, A. Coverage A - 8. Section V. Exclusions, C. Building Property, 3. Additions and extensions to buildings that are connected by a rigid exterior wall, a solid load-bearing interior wall, a stairway, an elevated walkway, or a roof may be insured as part of the building. At the option of the insured, these extensions and additions may be insured separately. Additions and extensions that are attached to and in contact with the building by means of a common interior wall that is not a solid load-bearing wall are always considered part of the building and cannot be insured separately. 2. Section III. Property Covered, B. Coverage B - Personal Property, 4. Special Limits Coverage for fine arts, collectibles, jewelry, and furs has been increased to $ 2500. 3. Section III. Property Covered, C. Coverage C - Other Coverages, 2.a. & b. Coverage for the two loss avoidance measures, (sandbagging and relocation of property to protect it from flood or the imminent danger of flood) has been increased to $1,000 for each. 4. Section IV. Property Not Covered, 5.a. & b. Coverage has been changed to pay for losses to self- propelled vehicles used to service the described location or designed to assist handicapped persons provided that the vehicles are in a building at the described location. 5. Section IV. Property Not Covered, 7. Coverage is now specifically excluded for scrip and stored value cards. 6. Section IV. Property Not Covered, 14. Coverage for swimming pools, hot tubs, and spas (that are not bathroom hot tubs or spas), and their equipment is now excluded. 7. Section V. Exclusions, B.1 & 2. The explanation of when coverage begins as it relates to a loss in progress has been simplified. Coverage has been clarified to pay for losses from land subsidence under certain circumstances. Subsidence of land along a lake shore or similar body of water which results from the erosion or undermining of the shoreline caused by waves or currents of water exceeding cyclical levels that result in a flood is now covered. All other land subsidence is excluded. 9. Section V. Exclusions, D.4.b.(3) Coverage is now excluded for water, moisture, mildew, or mold damage caused by the policyholder’s failure to inspect and maintain the insured property after the flood waters recede. 10. SectionV. Exclusions,D.6. Coverage is now added for damage from the pressure of water against the insured structure with the requirement that there be a flood in the area and the flood is the proximate cause of damage from the pressure of water against the insured structure. 11. Section V. Exclusions, F. An exclusion for the cost of testing for or monitoring of pollutants unless it is required by law or ordinance has been added. 12. Section VIII. General Conditions, G. Reduction and Reformation of Coverage, 2.a.(2) If it is discovered before a claim occurs that there is incomplete rating information, the policyholder has 60 days to submit missing rating information. Otherwise, the coverage can only be increased by an endorsement that is subject to the appropriate waiting period (currently 30 days). 13. Section VIII. General Conditions, V. Loss Settlement, 3. Special Loss Settlement, b.(1) Coverage for a manufactured or mobile home or travel trailer eligible for replacement cost coverage is limited to 1.5 times its actual cash value. POL 46 May 1, 2011 FEDERAL EMERGENCY MANAGEMENT AGENCY NATIONAL FLOOD INSURANCE PROGRAM STANDARD FLOOD INSURANCE POLICY RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY PLEASE READ THE POLICY CAREFULLY. THE FLOOD INSURANCE PROVIDED IS SUBJECT TO LIMITATIONS, RESTRICTIONS, AND EXCLUSIONS. THIS POLICY COVERS ONLY A RESIDENTIAL CONDOMINIUM BUILDING IN A REGULAR PROGRAM COMMUNITY. IF THE COMMUNITY REVERTS TO EMERGENCY PROGRAM STATUS DURING THE POLICY TERM AND REMAINS AN EMERGENCY PROGRAM COMMUNITY AT TIME OF RENEWAL, THIS POLICY CANNOT BE RENEWED. I. AGREEMENT The Federal Emergency Management Agency (FEMA) provides flood insurance under the terms of the National Flood Insurance Act of 1968 and its amendments, and Title 44 of the Code of Federal Regulations (CFR). We will pay you for directphysicallossbyorfromflood to your insured property if you: 1. Have paid the correct premium; 2. Comply with all terms and conditions of this policy; and 3. Have furnished accurate information and statements. We have the right to review the information you give us at any time and to revise your policy based on our review. II. DEFINITIONS A. In this policy, “you” and “your” refer to the insured(s) shown on the Declarations Page of this policy. “Insured(s)” includes: Any mortgagee and loss payee named in the Application and Declarations Page, as well as any other mortgagee or loss payee determined to exist at the time of loss in the order of precedence. “We,” “us,” and “our” refer to the insurer. Some definitions are complex because they are provided as they appear in the law or regulations, or result from court cases. The precise definitions are intended to protect you. Flood, as used in this flood insurance policy, means: 1. A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from: a. Overflow of inland or tidal waters; b. Unusual and rapid accumulation or runoff of surface waters from any source; c. Mudflow. 2. Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined in A.1.a. above. B. The following are the other key definitions that we use in this policy: 1. Act. The National Flood Insurance Act of 1968 and any amendments to it. 2. Actual Cash Value. The cost to replace an insured item of property at the time of loss, less the value of its physical depreciation. 3. Application. The statement made and signed by you or your agent in applying for this policy. The application gives information that we use to determine the eligibility of the risk, the kind of policy to be issued, and the correct premium payment. The application is part of this flood insurance policy. For us to issue you a policy, the correct premium payment must accompany the application. 4. Base Flood. A flood having a one percent chance of being equaled or exceeded in any given year. Page 1 of 19 POL 47 May 1, 2011 5. Basement. Any area of the building, including any sunken room or sunken portion of a room, having its floor below ground level (subgrade) on all sides. 6. Building. a. A structure with two or more outside rigid walls and a fully secured roof, that is affixed to a permanent site; b. A manufactured home (a “manufactured home,” also known as a mobile home, is a structure built on a permanent chassis, transported to its site in one or more sections, and affixed to a permanent foundation); or c. A travel trailer without wheels, built on a chassis and affixed to a permanent foundation, that is regulated under the community’s floodplain management and building ordinances or laws. Building does not mean a gas or liquid storage tank or a recreational vehicle, park trailer, or other similar vehicle, except as described in B.6.c. above. 7. Cancellation. The ending of the insurance coverage provided by this policy before the expiration date. 8. Condominium. That form of ownership of real property in which each unit owner has an undivided interest in common elements. 9. Condominium Association. The entity made up of the unit owners responsible for the maintenance and operation of: a. Common elements owned in undivided shares by unit owners; and b. Other real property in which the unit owners have use rights; where membership in the entity is a required condition of unit ownership. 10. Declarations Page. A computer-generated summary of information you provided in the application for insurance. The DeclarationsPage also describes the term of the policy, limits of coverage, and displays the premium and our name. The Declarations Page is a part of this flood insurance policy. 11. Described Location. The location where the insured building or personal property are found. The described location is shown on the Declarations Page. 12. Direct Physical Loss By or From Flood. Loss or damage to insured property, directly caused by a flood. There must be evidence of physical changes to the property. 13. ElevatedBuilding.A buildingthat has no basement and that has its lowest elevated floor raised above ground level by foundation walls, shear walls, posts, piers, pilings, or columns. 14. Emergency Program. The initial phase of a community’s participation in the National Flood Insurance Program. During this phase, only limited amounts of insurance are available under the Act. 15. Expense Constant. A flat charge you must pay on each new or renewal policy to defray the expenses of the Federal Government related to flood insurance. 16. Federal Policy Fee. A flat charge you must pay on each new or renewal policy to defray certain administrative expenses incurred in carrying out the NationalFloodInsuranceProgram. This fee covers expenses not covered by the expense constant. 17. Improvements. Fixtures, alterations, installations, or additions comprising a part of the residential condominiumbuilding, including improvements in the units. 18. Mudflow. A river of liquid and flowing mud on the surfaces of normally dry land areas, as when earth is carried by a current of water. Other earth movements, such as landslide, slope failure, or a saturated soil mass moving by liquidity down a slope, are not mudflows. 19. National Flood Insurance Program (NFIP). The program of flood insurance coverage and floodplain management administered under the Act and applicable Federal regulations in Title 44 of the Code of Federal Regulations, Subchapter B. 20. Policy. The entire written contract between you and us. It includes: a. This printed form; b. The application and Declarations Page; c. Any endorsement(s) that may be issued; and d. Any renewal certificate indicating that coverage has been instituted for a new policy and new policy term. Only one building, which you specifically described in the application, may be insured under this policy. 21. Pollutants. Substances that include, but are not limited to, any solid, liquid, gaseous, or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste. “Waste” includes, but is not limited to, materials to be recycled, reconditioned, or reclaimed. Page 2 of 19 POL 48 May 1, 2011 22. Post-FIRM Building. A building for which construction or substantial improvement occurred after December 31, 1974, or on or after the effective date of an initial Flood Insurance Rate Map (FIRM), whichever is later. 23. Probation Premium. A flat charge you must pay on each new or renewal policy issued covering property in a community that the NFIP has placed on probation under the provisions of 44 CFR 59.24. 24. Regular Program. The final phase of a community’s participation in the National Flood Insurance Program. In this phase, a Flood Insurance Rate Map is in effect and full limits of coverage are available under the Act. 25. Residential Condominium Building. A building, owned and administered as a condominium, containing one or more family units and in which at least 75 percent of the floor area is residential. 26. Special Flood Hazard Area. An area having special flood, or mudflow, and/or flood-related erosion hazards, and shown on a Flood Hazard Boundary Map or Flood Insurance Rate Map as Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, VE, or V. 27. Unit. A single-family unit in a residential condominium building. 28. Valued Policy. A policy in which the insured and the insurer agree on the value of the property insured, that value being payable in the event of a total loss. The Standard Flood Insurance Policy is not a valued policy. III. PROPERTY COVERED A. COVERAGE A -BUILDING PROPERTY We insure against direct physical loss by or from flood to: 1. The residential condominium building described on the DeclarationsPageat the describedlocation, including all units within the building and the improvements within the units. 2. We also insure such building property for a period of 45 days at another location, as set forth in III.C.2.b., Property Removed to Safety. 3. Additions and extensions attached to and in contact with the building by means of a rigid exterior wall, a solid load-bearing interior wall, a stairway, an elevated walkway, or a roof. At your option, additions and extensions connected by any of these methods may be separately insured. Additions and extensions attached to and in contact with the building by means of a common interior wall that is not a solid load- bearing wall are always considered part of the building and cannot be separately insured. 4. The following fixtures, machinery, and equipment, which are covered under Coverage A only: a. Awnings and canopies; b. Blinds; c. Carpet permanently installed over unfinished flooring; d. Central air conditioners; e. Elevator equipment; f. Fire extinguishing apparatus; g. Fire sprinkler systems; h. Walk-in freezers; i. Furnaces; j. Light fixtures; k. Outdoor antennas and aerials fastened to buildings; l. Permanently installed cupboards, bookcases, paneling, and wallpaper; m. Pumps and machinery for operating pumps; n. Ventilating equipment; o. Wall mirrors, permanently installed; and p. In the units within the building, installed: (1) Built-in dishwashers; (2) Built-in microwave ovens; (3) Garbage disposal units; (4) Hot water heaters, including solar water heaters; (5) Kitchen cabinets; (6) Plumbing fixtures; (7) Radiators; (8) Ranges; (9) Refrigerators; and (10) Stoves. 5. Materials and supplies to be used for construction, alteration, or repair of the insured building while the materials and supplies are stored in a fully enclosed building at the described location or on an adjacent property. 6. A building under construction, alteration, or repair at the described location. a. If the structure is not yet walled or roofed as described in the definition for building (see II.B.6.a.), then coverage applies: (1) Only while such work is in progress; or (2) If such work is halted, only for a period of up to 90 continuous days thereafter. Page 3 of 19 POL 49 May 1, 2011 b. However, coverage does not apply until the building is walled and roofed if the lowest floor, including the basement floor, of a non-elevated building or the lowest elevated floor of an elevated building is: (1) Below the base flood elevation in Zones AH, AE, A1-A30, AR, AR/AE, AR/AH, AR/A1-A30, AR/A, AR/AO; or (2) Below the base flood elevation adjusted to include the effect of wave action in Zones VE or V1-V30. The lowest floor levels are based on the bottom of the lowest horizontal structural member of the floor in Zones VE or V1-V30 and the top of the floor in Zones AH, AE, A1-A30, AR, AR/AE, AR/AH, AR/A1-A30, AR/A, AR/AO. 7. A manufactured home or a travel trailer as described in the Definitions section (see II.B.6.b. and II.B.6.c.) If the manufactured home is in a special flood hazard area, it must be anchored in the following manner at the time of the loss: a. By over-the-top or frame ties to ground anchors; or b. In accordance with the manufacturer’s specifications; or c. In compliance with the community’s floodplain management requirements; unless it has been continuously insured by the NFIP at the same described location since September 30, 1982. 8. Items of property in a building enclosure below the lowest elevated floor of an elevated post-FIRM building located in Zones A1-A30, AE, AH, AR, AR/A, AR/AE, AR/AH, AR/A1-A30, V1-V30, or VE, or in a basement, regardless of the zone. Coverage is limited to the following: a. Any of the following items, if installed in their functioning locations and, if necessary for operation, connected to a power source: (1) Central air conditioners; (2) Cisterns and the water in them; (3) Drywall for walls and ceilings in a basement and the cost of labor to nail it, unfinished and unfloated and not taped, to the framing; (4) Electrical junction and circuit breaker boxes; (5) Electrical outlets and switches; (6) Elevators, dumbwaiters and related equipment, except for related equipment installed below the base flood elevation after September 30, 1987; (7) Fuel tanks and the fuel in them; (8) Furnaces and hot water heaters; (9) Heat pumps; (10) Nonflammable insulation in a basement; (11) Pumps and tanks used in solar energy systems; (12) Stairways and staircases attached to the building, not separated from it by elevated walkways; (13) Sump pumps; (14) Water softeners and the chemicals in them, water filters, and faucets installed as an integral part of the plumbing system; (15) Well water tanks and pumps; (16) Required utility connections for any item in this list; and (17) Footings, foundations, posts, pilings, piers, or other foundation walls and anchorage systems required to support a building. b. Clean-up. B. COVERAGE B -PERSONAL PROPERTY 1. If you have purchased personal property coverage, we insure, subject to B.2. and B.3. below, against direct physical loss by or from flood to personal property that is inside the fully enclosed insured building and is: a. Owned by the unit owners of the condominium association in common, meaning property in which each unit owner has an undivided ownership interest; or b. Owned solely by the condominiumassociation and used exclusively in the conduct of the business affairs of the condominium association. We also insure such personal property for 45 days while stored at a temporary location, as set forth in III.C.2.b., Property Removed to Safety. 2. Coverage for personal property includes the following property, subject to paragraph B.1. above, which is covered under Coverage B only: a. Air conditioning units, portable or window type; b. Carpet, not permanently installed, over unfinished flooring; c. Carpets over finished flooring; d. Clothes washers and dryers; e. “Cook-out” grills; f. Food freezers, other than walk-in, and food in any freezer; g. Outdoor equipment and furniture stored inside the insured building; h. Ovens and the like; and i. Portable microwave ovens and portable dishwashers. Page 4 of 19 POL 50 May 1, 2011 3. Coverage for items of property in a building enclosure lower than the lowest elevated floor of an elevated post-FIRM building located in Zones A1A30, AE, AH, AR, AR/A, AR/AE, AR/AH, AR/A1-A30, V1-V30, or VE, or in a basement, regardless of the zone, is limited to the following items, if installed in their functioning locations and, if necessary for operation, connected to a power source: a. Air conditioning units, portable or window type; b. Clothes washers and dryers; and c. Food freezers, other than walk-in, and food in any freezer. 4. Special Limits. We will pay no more than $2,500 for any one loss to one or more of the following kinds of personal property: a. Artwork, photographs, collectibles, or memorabilia, including but not limited to, porcelain or other figures, and sports cards; b. Rare books or autographed items; c. Jewelry, watches, precious and semiprecious stones, or articles of gold, silver, or platinum; or d. Furs or any article containing fur which represents its principal value. 5. We will pay only for the functional value of antiques. C. COVERAGE C -OTHER COVERAGES 1. Debris Removal a. We will pay the expense to remove non-owned debris on or in insured property and owned debris anywhere. b. If you or a member of your household perform the removal work, the value of your work will be based on the Federal minimum wage. c. This coverage does not increase the Coverage A or Coverage B limit of liability. 2. Loss Avoidance Measures a. Sandbags, Supplies, and Labor (1) We will pay up to $1,000 for the costs you incur to protect the insured building from a flood or imminent danger of flood, for the following: (a) Your reasonable expenses to buy: (i) Sandbags, including sand to fill them; (ii) Fill for temporary levees; (iii) Pumps; and (iv) Plastic sheeting and lumber used in connection with these items; and (b) The value of work, at the Federal minimum wage, that you perform. (2) This coverage for Sandbags, Supplies, and Labor applies only if damage to insured property by or from flood is imminent and the threat of flood damage is apparent enough to lead a person of common prudence to anticipate flood damage. One of the following must also occur: (a) A general and temporary condition of flooding in the area near the described location must occur, even if the flood does not reach the insured building; or (b) A legally authorized official must issue an evacuation order or other civil order for the community in which the insured building is located calling for measures to preserve life and property from the peril of flood. This coverage does not increase the Coverage A or Coverage B limit of liability. b. Property Removed to Safety (1) We will pay up to $1,000 for the reasonable expenses you incur to move insured property to a place other than the described location that contains the property in order to protect it from flood or the imminent danger of flood. Reasonable expenses include the value of work, at the Federal minimum wage, that you perform. (2) If you move insured property to a location other than the described location that contains the property, in order to protect it from flood or the imminent danger of flood, we will cover such property while at that location for a period of 45 consecutive days from the date you begin to move it there. The personal property that is moved must be placed in a fully enclosed building or otherwise reasonably protected from the elements. Page 5 of 19 POL 51 May 1, 2011 Any property removed, including a moveable home described in Definition 6. Building, paragraphs b. and c., must be placed above ground level or outside of the special flood hazard area. This coverage does not increase the Coverage A or Coverage B limit of liability. D. COVERAGE D -INCREASED COST OF COMPLIANCE 1. General This policy pays you to comply with a State or local floodplain management law or ordinance affecting repair or reconstruction of a structure suffering flood damage. Compliance activities eligible for payment are: elevation, floodproofing, relocation, or demolition (or any combination of these activities) of your structure. Eligible floodproofing activities are limited to: a. Nonresidential structures. b. Residential structures with basements that satisfy FEMA’s standards published in the Code of Federal Regulations [44 CFR 60.6 (b) or (c)]. 2. Limit of Liability We will pay you up to $30,000 under this Coverage D -Increased Cost of Compliance, which only applies to policies with building coverage (Coverage A). Our payment of claims under Coverage D is in addition to the amount of coverage which you selected on the application and which appears on the Declarations Page. But the maximum you can collect under this policy for both Coverage A -Building Property and Coverage D -Increased Cost of Compliance cannot exceed the maximum permitted under the Act. We do not charge a separate deductible for a claim under Coverage D. 3. Eligibility a. A structure covered under Coverage A -Building Property sustaining a loss caused by a flood as defined by this policy must: (1) Be a “repetitive loss structure.” A repetitive loss structure is one that meets the following conditions: (a) The structure is covered by a contract of flood insurance issued under the NFIP. (b) The structure has suffered flood damage on two occasions during a 10year period which ends on the date of the second loss. (c) The cost to repair the flood damage, on average, equaled or exceeded 25 percent of the market value of the structure at the time of each flood loss. (d) In addition to the current claim, the NFIP must have paid the previous qualifying claim, and the State or community must have a cumulative, substantial damage provision or repetitive loss provision in its floodplain management law or ordinance being enforced against the structure; or (2) Be a structure that has had flood damage in which the cost to repair equals or exceeds 50 percent of the market value of the structure at the time of the flood. The State or community must have a substantial damage provision in its floodplain management law or ordinance being enforced against the structure. b. This Coverage D pays you to comply with State or local floodplain management laws or ordinances that meet the minimum standards of the National Flood Insurance Program found in the Code of Federal Regulations at 44 CFR 60.3. We pay for compliance activities that exceed those standards under these conditions: (1) 3.a.(1) above. (2) Elevation or floodproofing in any risk zone to preliminary or advisory base flood elevations provided by FEMA which the State or local government has adopted and is enforcing for flood-damaged structures in such areas. (This includes compliance activities in B, C, X, or D zones which are being changed to zones with base flood elevations. This also includes compliance activities in zones where base flood elevations are being increased, and a flood- damaged structure must comply with the higher advisory base flood elevation.) Increased Cost of Compliance coverage does not apply to situations in B, C, X, or D zones where the community has derived its own elevations and is enforcing elevation or floodproofing requirements for flood- damaged structures to elevations derived solely by the community. (3) Elevation or floodproofing above the base flood elevation to meet State or local “freeboard” requirements, i.e., that a structure must be elevated above the base flood elevation. Page 6 of 19 POL 52 May 1, 2011 c. Under the minimum NFIP criteria at 44 CFR 60.3 (b)(4), States and communities must require the elevation or floodproofing of structures in unnumbered A zones to the base flood elevation where elevation data is obtained from a Federal, State, or other source. Such compliance activities are also eligible for Coverage D. d. This coverage will also pay for the incremental cost, after demolition or relocation, of elevating or floodproofing a structure during its rebuilding at the same or another site to meet State or local floodplain management laws or ordinances, subject to Exclusion D.5.g. below. e. This coverage will also pay to bring a flood- damaged structure into compliance with State or local floodplain management laws or ordinances even if the structure had received a variance before the present loss from the applicable floodplain management requirements. 4. Conditions a. When a structure covered under Coverage A - Building Property sustains a loss caused by a flood, our payment for the loss under this Coverage D will be for the increased cost to elevate, floodproof, relocate, or demolish (or any combination of these activities) caused by the enforcement of current State or local floodplain management ordinances or laws. Our payment for eligible demolition activities will be for the cost to demolish and clear the site of the building debris or a portion thereof caused by the enforcement of current State or local floodplain management ordinances or laws. Eligible activities for the cost of clearing the site will include those necessary to discontinue utility service to the site and ensure proper abandonment of on-site utilities. b. When the buildingis repaired or rebuilt, it must be intended for the same occupancy as the present building unless otherwise required by current floodplain management ordinances or laws. 5. Exclusions Under this Coverage D-Increased Cost of Compliance we will not pay for: a. The cost to comply with any floodplain management law or ordinance in communities participating in the Emergency Program. b. The cost associated with enforcement of any ordinance or law that requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of pollutants. c. The loss in value to any insured building or other structure due to the requirements of any ordinance or law. d. The loss in residual value of the undamaged portion of a building demolished as a consequence of enforcement of any State or local floodplain management law or ordinance. e. Any Increased Cost of Compliance under this Coverage D: (1) Until the building is elevated, floodproofed, demolished, or relocated on the same or to another premises; and (2) Unless the buildingis elevated, floodproofed, demolished, or relocated as soon as reasonably possible after the loss, not to exceed 2 years. f. Any code upgrade requirements, e.g., plumbing or electrical wiring, not specifically related to the State or local floodplain management law or ordinance. g. Any compliance activities needed to bring additions or improvements made after the loss occurred into compliance with State or local floodplain management laws or ordinances. h. Loss due to any ordinance or law that you were required to comply with before the current loss. i. Any rebuilding activity to standards that do not meet the NFIP’s minimum requirements. This includes any situation where the insured has received from the State or community a variance in connection with the current flood loss to rebuild the property to an elevation below the base flood elevation. j. Increased Cost of Compliance for a garage or carport. k. Any structure insured under an NFIP Group Flood Insurance Policy. l. Assessments made by a condominium association on individual condominium unit owners to pay increased costs of repairing commonly owned buildings after a flood in compliance with State or local floodplain management ordinances or laws. 6. Other Provisions a. Increased Cost of Compliance coverage will not be included in the calculation to determine whether coverage meets the coinsurance Page 7 of 19 POL 53 May 1, 2011 requirement for replacement cost coverage under b. All other conditions and provisions of the policy VIII. General Conditions, V. Loss Settlement. apply. IV. PROPERTY NOT COVERED We do not cover any of the following property: 1. Personal property not inside the fully enclosed building; 2. A building, and personal property in it, located entirely in, on, or over water or seaward of mean high tide, if constructed or substantially improved after September 30, 1982; 3. Open structures, including a building used as a boathouse or any structure or building into which boats are floated, and personal property located in, on, or over water; 4. Recreational vehicles other than travel trailers described in II.B.6.c., whether affixed to a permanent foundation or on wheels; 5. Self-propelled vehicles or machines, including their parts and equipment. However, we do cover self- propelled vehicles or machines not licensed for use on public roads that are: a. Used mainly to service the described location, or b. Designed and used to assist handicapped persons, while the vehicles or machines are inside a building at the described location; 6. Land, land values, lawns, trees, shrubs, plants, growing crops, or animals; 7. Accounts, bills, coins, currency, deeds, evidences of debt, medals, money, scrip, stored value cards, postage stamps, securities, bullion, manuscripts, or other valuable papers; 8. Underground structures and equipment, including wells, septic tanks, and septic systems; 9. Those portions of walks, walkways, decks, driveways, patios, and other surfaces, all whether protected by a roof or not, located outside the perimeter, exterior walls of the insured building; 10. Containers, including related equipment, such as, but not limited to, tanks containing gases or liquids; 11. Buildings and all their contents if more than 49 percent of the actual cash value of the building is below ground, unless the lowest level is at or above the base flood elevation and is below ground by reason of earth having been used as insulation material in conjunction with energy efficient building techniques; 12. Fences, retaining walls, seawalls, bulkheads, wharves, piers, bridges, and docks; 13. Aircraft or watercraft, or their furnishings and equipment; 14. Hot tubs and spas that are not bathroom fixtures, and swimming pools, and their equipment such as, but not limited to, heaters, filters, pumps, and pipes, wherever located; 15. Property not eligible for flood insurance pursuant to the provisions of the Coastal Barrier Resources Act and the Coastal Barrier Improvement Act of 1990 and amendments to these acts; 16. Personal property used in connection with any incidental commercial occupancy or use of the building. V. EXCLUSIONS A. We only pay for direct physical loss by or from flood, which means that we do not pay you for: 1. Loss of revenue or profits; 2. Loss of access to the insured property or described location; 3. Loss of use of the insured property or described location; 4. Loss from interruption of business or production; 5. Any additional living expenses incurred while the insured building is being repaired or is unable to be occupied for any reason; Page 8 of 19 POL 54 May 1, 2011 6. The cost of complying with any ordinance or law requiring or regulating the construction, demolition, remodeling, renovation, or repair of property, including removal of any resulting debris. This exclusion does not apply to any eligible activities that we describe in Coverage D -Increased Cost of Compliance; or 7. Any other economic loss. B. We do not insure a loss directly or indirectly caused by a flood that is already in progress at the time and date: 1. The policy term begins; or 2. Coverage is added at your request. C. We do not insure for loss to property caused directly by earth movement even if the earth movement is caused by flood. Some examples of earth movement that we do not cover are: 1. Earthquake; 2. Landslide; 3. Land subsidence; 4. Sinkholes; 5. Destabilization or movement of land that results from accumulation of water in subsurface land areas; or 6. Gradual erosion. We do, however, pay for losses from mudflow and land subsidence as a result of erosion that are specifically covered under our definition of flood (see II.A.1.c. and II.A.2.). D. We do not insure for direct physical loss caused directly or indirectly by: 1. The pressure or weight of ice; 2. Freezing or thawing; 3. Rain, snow, sleet, hail, or water spray; 4. Water, moisture, mildew, or mold damage that results primarily from any condition: a. Substantially confined to the insured building; or b. That is within your control including, but not limited to: (1) Design, structural, or mechanical defects; (2) Failure, stoppage, or breakage of water or sewer lines, drains, pumps, fixtures, or equipment; or (3) Failure to inspect and maintain the property after a flood recedes; 5. Water or waterborne material that: a. Backs up through sewers or drains; b. Discharges or overflows from a sump, sump pump, or related equipment; or c. Seeps or leaks on or through insured property; unless there is a flood in the area and the flood is the proximate cause of the sewer or drain backup, sump pump discharge or overflow, or the seepage of water; 6. The pressure or weight of water unless there is a flood in the area and the flood is the proximate cause of the damage from the pressure or weight of water; 7. Power, heating, or cooling failure unless the failure results from directphysicallossbyorfromflood to power, heating, or cooling equipment situated on the described location; 8. Theft, fire, explosion, wind, or windstorm; 9. Anything you or your agents do or conspire to do to cause loss by flood deliberately; or 10. Alteration of the insured property that significantly increases the risk of flooding. E. We do not insure for loss to any building or personal property located on land leased from the Federal Government, arising from or incident to the flooding of the land by the Federal Government, where the lease expressly holds the Federal Government harmless under flood insurance issued under any Federal Government program. F. We do not pay for the testing for or monitoring of pollutants unless required by law or ordinance. VI. DEDUCTIBLES A. When a loss is covered under this policy, we will pay only that part of the loss that exceeds the applicable deductible amount, subject to the limit of insurance that applies. The deductible amount is shown on the Declarations Page. However, when a building under construction, alteration, or repair does not have at least two rigid exterior walls and a fully secured roof at the time of loss, your deductible amount will be two times the deductible that would otherwise apply to a completed building. Page 9 of 19 POL 55 May 1, 2011 B. In each loss from flood, separate deductibles apply to C. No deductible applies to: the building and personal property insured by this policy. 1. III.C.2. Loss Avoidance Measures; or 2. III.D. Increased Cost of Compliance. VII. COINSURANCE A. This Coinsurance section applies only to coverage on the building. B. We will impose a penalty on loss payment unless the amount of insurance applicable to the damaged building is: 1. At least 80 percent of its replacement cost; or 2. The maximum amount of insurance available for that building under the NFIP, whichever is less. C. If the actual amount of insurance on the building is less than the required amount in accordance with the terms of VII.B. above, then loss payment is determined as follows (subject to all other relevant conditions in this policy, including those pertaining to valuation, adjustment, settlement, and payment of loss): 1. Divide the actual amount of insurance carried on the building by the required amount of insurance. 2. Multiply the amount of loss, before application of the deductible, by the figure determined in C.1. above. 3. Subtract the deductible from the figure determined in C.2. above. We will pay the amount determined in C.3. above, or the amount of insurance carried, whichever is less. The amount of insurance carried, if in excess of the applicable maximum amount of insurance available under the NFIP, is reduced accordingly. Examples Example #1 (Inadequate Insurance) Replacement value of the building $250,000 Required amount of insurance $200,000 (80% of replacement value of $250,000) Actual amount of insurance carried $180,000 Amount of the loss $150,000 Deductible $500 Step 1: 180,000 ÷ 200,000 = .90 (90% of what should be carried) Step 2: 150,000 × .90 = 135,000 Step 3: 135,000 -500 = 134,500 We will pay no more than $134,500. The remaining $15,500 is not covered due to the coinsurance penalty ($15,000) and application of the deductible ($500). Example #2 (Adequate Insurance) Replacement value of the building $500,000 Required amount of insurance $400,000 (80% of replacement value of $500,000) Actual amount of insurance carried $400,000 Amount of the loss $200,000 Deductible $500 In this example there is no coinsurance penalty, because the actual amount of insurance carried meets the required amount. We will pay no more than $199,500 ($200,000 amount of loss minus the $500 deductible). D. In calculating the full replacement cost of a building: 1. The replacement cost value of any covered building property will be included; 2. The replacement cost value of any building property not covered under this policy will not be included; and 3. Only the replacement cost value of improvements installed by the condominium association will be included. Page 10 of 19 POL 56 May 1, 2011 VIII. GENERAL CONDITIONS A. Pairs and Sets In case of loss to an article that is part of a pair or set, we will have the option of paying you: 1. An amount equal to the cost of replacing the lost, damaged, or destroyed article, less depreciation; or 2. An amount that represents the fair proportion of the total value of the pair or set that the lost, damaged, or destroyed article bears to the pair or set. B. Concealment or Fraud and Policy Voidance 1. With respect to all insureds under this policy, this policy: a. Is void; b. Has no legal force or effect; c. Cannot be renewed; and d. Cannot be replaced by a new NFIP policy; if, before or after a loss, you or any other insured or your agent have at any time: (1) Intentionally concealed or misrepresented any material fact or circumstance; (2) Engaged in fraudulent conduct; or (3) Made false statements; relating to this policy or any other NFIP insurance. 2. This policy will be void as of the date the wrongful acts described in B.1. above were committed. 3. Fines, civil penalties, and imprisonment under applicable Federal laws may also apply to the acts of fraud or concealment described above. 4. This policy is also void for reasons other than fraud, misrepresentation, or wrongful act. This policy is void from its inception and has no legal force under the following conditions: a. If the property is located in a community that was not participating in the NFIP on the policy’s inception date and did not join or reenter the program during the policy term and before the loss occurred; or b. If the property listed on the application is otherwise not eligible for coverage under the NFIP. C. Other Insurance 1. If a loss covered by this policy is also covered by other insurance that includes flood coverage not issued under the Act, we will not pay more than the amount of insurance that you are entitled to for lost, damaged, or destroyed property insured under this policy subject to the following: a. We will pay only the proportion of the loss that the amount of insurance that applies under this policy bears to the total amount of insurance covering the loss, unless C.1.b. or c. immediately below applies. b. If the other policy has a provision stating it is excess insurance, this policy will be primary. c. This policy will be primary (but subject to its own deductible) up to the deductible in the other flood policy (except another policy as described in C.1.b. above). When the other deductible amount is reached, this policy will participate in the same proportion that the amount of insurance under this policy bears to the total amount of both policies, for the remainder of the loss. 2. If there is a flood insurance policy in the name of a unit owner that covers the same loss as this policy, then this policy will be primary. D. Amendments, Waivers, Assignment This policy cannot be changed nor can any of its provisions be waived without the express written consent of the Federal Insurance Administrator. No action that we take under the terms of this policy constitutes a waiver of any of our rights. You may assign this policy in writing when you transfer title of your property to someone else, except under these conditions: 1. When this policy covers only personal property; or 2. When this policy covers a structure during the course of construction. E. Cancellation of Policy by You 1. You may cancel this policy in accordance with the applicable rules and regulations of the NFIP. 2. If you cancel this policy, you may be entitled to a full or partial refund of premium also under the applicable rules and regulations of the NFIP. Page 11 of 19 POL 57 May 1, 2011 F. Nonrenewal of the Policy by Us Your policy will not be renewed: 1. If the community where your covered property is located stops participating in the NFIP; or 2. If your building has been declared ineligible under Section 1316 of the Act. G. Reduction and Reformation of Coverage 1. If the premium we received from you was not enough to buy the kind and amount of coverage you requested, we will provide only the amount of coverage that can be purchased for the premium payment we received. 2. The policy can be reformed to increase the amount of coverage resulting from the reduction described in G.1. above to the amount you requested as follows: a. Discovery of insufficient premium or incomplete rating information before a loss. (1) If we discover before you have a flood loss that your premium payment was not enough to buy the requested amount of coverage, we will send you and any mortgagee or trustee known to us a bill for the required additional premium for the current policy term (or that portion of the current policy term following any endorsement changing the amount of coverage). If you or the mortgagee or trustee pay the additional premium within 30 days from the date of our bill, we will reform the policy to increase the amount of coverage to the originally requested amount effective to the beginning of the current policy term (or subsequent date of any endorsement changing the amount of coverage). (2) If we determine before you have a flood loss that the rating information we have is incomplete and prevents us from calculating the additional premium, we will ask you to send the required information. You must submit the information within 60 days of our request. Once we determine the amount of additional premium for the current policy term, we will follow the procedure in G.2.a.(1) above. (3) If we do not receive the additional premium (or additional information) by the date it is due, the amount of coverage can only be increased by endorsement subject to any appropriate waiting period. b. Discovery of insufficient premium or incomplete rating information after a loss. (1) If we discover after you have a flood loss that your premium payment was not enough to buy the requested amount of coverage, we will send you and any mortgagee or trustee known to us a bill for the required additional premium for the current and the prior policy terms. If you or the mortgagee or trustee pay the additional premium within 30 days from the date of our bill, we will reform the policy to increase the amount of coverage to the originally requested amount effective to the beginning of the prior policy term. (2) If we discover after you have a flood loss that the rating information we have is incomplete and prevents us from calculating the additional premium, we will ask you to send the required information. You must submit the information before your claim can be paid. Once we determine the amount of additional premium for the current and prior policy terms, we will follow the procedure in G.2.b.(1) above. (3) If we do not receive the additional premium by the date it is due, your flood insurance claim will be settled based on the reduced amount of coverage. The amount of coverage can only be increased by endorsement subject to any appropriate waiting period. 3. However, if we find that you or your agent intentionally did not tell us, or falsified, any important fact or circumstance or did anything fraudulent relating to this insurance, the provisions of Condition B. Concealment or Fraud and Policy Voidance apply. H. Policy Renewal 1. This policy will expire at 12:01 a.m. on the last day of the policy term. 2. We must receive the payment of the appropriate renewal premium within 30 days of the expiration date. 3. If we find, however, that we did not place your renewal notice into the U.S. Postal Service, or if we did mail it, we made a mistake, e.g., we used an incorrect, incomplete, or illegible address, which delayed its delivery to you before the due date for the renewal premium, then we will follow these procedures: a. If you or your agent notified us, not later than 1 year after the date on which the payment of the renewal premium was due, of nonreceipt of a renewal notice before the due date for the renewal premium, and we determine that the circumstances in the preceding paragraph apply, we will mail a second bill providing a revised due Page 12 of 19 POL 58 May 1, 2011 date, which will be 30 days after the date on which the bill is mailed. b. If we do not receive the premium requested in the second bill by the revised due date, then we will not renew the policy. In that case, the policy will remain an expired policy as of the expiration date shown on the Declarations Page. 4. In connection with the renewal of this policy, we may ask you during the policy term to recertify, on a Recertification Questionnaire that we will provide you, the rating information used to rate your most recent application for or renewal of insurance. I. Conditions Suspending or Restricting Insurance We are not liable for loss that occurs while there is a hazard that is increased by any means within your control or knowledge. J. Requirements in Case of Loss In case of a flood loss to insured property, you must: 1. Give prompt written notice to us; 2. As soon as reasonably possible, separate the damaged and undamaged property, putting it in the best possible order so that we may examine it; 3. Prepare an inventory of damaged personal property showing the quantity, description, actual cash value, and amount of loss. Attach all bills, receipts, and related documents; 4. Within 60 days after the loss, send us a proof of loss, which is your statement of the amount you are claiming under the policy signed and sworn to by you, and which furnishes us with the following information: a. The date and time of loss; b. A brief explanation of how the loss happened; c. Your interest (for example, “owner”) and the interest, if any, of others in the damaged property; d. Details of any other insurance that may cover the loss; e. Changes in title or occupancy of the insured property during the term of the policy; f. Specifications of damaged insured buildingsand detailed repair estimates; g. Names of mortgagees or anyone else having a lien, charge, or claim against the insured property; h. Details about who occupied any insured building at the time of loss and for what purpose; and i. The inventory of damaged personal property described in J.3. above. 5. In completing the proof of loss, you must use your own judgment concerning the amount of loss and justify that amount. 6. You must cooperate with the adjuster or representative in the investigation of the claim. 7. The insurance adjuster whom we hire to investigate your claim may furnish you with a proof of loss form, and she or he may help you complete it. However, this is a matter of courtesy only, and you must still send us a proof of loss within 60 days after the loss even if the adjuster does not furnish the form or help you complete it. 8. We have not authorized the adjuster to approve or disapprove claims or to tell you whether we will approve your claim. 9. At our option, we may accept the adjuster’s report of the loss instead of your proof of loss. The adjuster’s report will include information about your loss and the damages you sustained. You must sign the adjuster’s report. At our option, we may require you to swear to the report. K. Our Options After a Loss Options that we may, in our sole discretion, exercise after loss include the following: 1. At such reasonable times and places that we may designate, you must: a. Show us or our representative the damaged property; b. Submit to examination under oath, while not in the presence of another insured, and sign the same; and c. Permit us to examine and make extracts and copies of: (1) Any policies of property insurance insuring you against loss and the deed establishing your ownership of the insured real property; (2) Condominium association documents including the Declarations of the condominium, its Articles of Association or Incorporation, Bylaws, and rules and regulations; and (3) All books of accounts, bills, invoices and other vouchers, or certified copies pertaining Page 13 of 19 POL 59 May 1, 2011 to the damaged property if the originals are lost. 2. We may request, in writing, that you furnish us with a complete inventory of the lost, damaged, or destroyed property, including: a. Quantities and costs; b. Actual cash values or replacement cost (whichever is appropriate); c. Amounts of loss claimed; d. Any written plans and specifications for repair of the damaged property that you can reasonably make available to us; and e. Evidence that prior flood damage has been repaired. 3. If we give you written notice within 30 days after we receive your signed, sworn proof of loss, we may: a. Repair, rebuild, or replace any part of the lost, damaged, or destroyed property with material or property of like kind and quality or its functional equivalent; and b. Take all or any part of the damaged property at the value we agree upon or its appraised value. L. No Benefit to Bailee No person or organization, other than you, having custody of covered property will benefit from this insurance. M. Loss Payment 1. We will adjust all losses with you. We will pay you unless some other person or entity is named in the policy or is legally entitled to receive payment. Loss will be payable 60 days after we receive your proof of loss (or within 90 days after the insurance adjuster files an adjuster’s report signed and sworn to by you in lieu of a proof of loss) and: a. We reach an agreement with you; b. There is an entry of a final judgment; or c. There is a filing of an appraisal award with us, as provided in VIII.P. 2. If we reject your proof of loss in whole or in part you may: a. Accept such denial of your claim; b. Exercise your rights under this policy; or c. File an amended proof of loss, as long as it is filed within 60 days of the date of the loss. N. Abandonment You may not abandon damaged or undamaged insured property to us. O. Salvage We may permit you to keep damaged insured property after a loss, and we will reduce the amount of the loss proceeds payable to you under the policy by the value of the salvage. P. Appraisal If you and we fail to agree on the actual cash value or, if applicable, replacement cost of the damaged property so as to determine the amount of loss, then either may demand an appraisal of the loss. In this event, you and we will each choose a competent and impartial appraiser within 20 days after receiving a written request from the other. The two appraisers will choose an umpire. If they cannot agree upon an umpire within 15 days, you or we may request that the choice be made by a judge of a court of record in the State where the insured property is located. The appraisers will separately state the actual cash value, the replacement cost, and the amount of loss to each item. If the appraisers submit a written report of an agreement to us, the amount agreed upon will be the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will set the amount of actual cash value and loss, or if it applies, the replacement cost and loss. Each party will: 1. Pay its own appraiser; and 2. Bear the other expenses of the appraisal and umpire equally. Q. Mortgage Clause The word “mortgagee” includes trustee. Any loss payable under Coverage A -Building will be paid to any mortgagee of whom we have actual notice as well as any other mortgagee or loss payee determined to exist at the time of loss, and you, as interests appear. If more than one mortgagee is named, the order of payment will be the same as the order of precedence of the mortgages. If we deny your claim, that denial will not apply to a valid claim of the mortgagee, if the mortgagee: 1. Notifies us of any change in the ownership or occupancy, or substantial change in risk of which the mortgagee is aware; Page 14 of 19 POL 60 May 1, 2011 2. Pays any premium due under this policy on demand if you have neglected to pay the premium; and 3. Submits a signed, sworn proof of loss within 60 days after receiving notice from us of your failure to do so. All of the terms of this policy apply to the mortgagee. The mortgagee has the right to receive loss payment even if the mortgagee has started foreclosure or similar action on the building. If we decide to cancel or not renew this policy, it will continue in effect for the benefit of the mortgagee only for 30 days after we notify the mortgagee of the cancellation or nonrenewal. If we pay the mortgagee for any loss and deny payment to you, we are subrogated to all the rights of the mortgagee granted under the mortgage on the property. Subrogation will not impair the right of the mortgagee to recover the full amount of the mortgagee’s claim. R. Suit Against Us You may not sue us to recover money under this policy unless you have complied with all the requirements of the policy. If you do sue, you must start the suit within 1 year after the date of the written denial of all or part of the claim, and you must file the suit in the United States District Court of the district in which the insured property was located at the time of loss. This requirement applies to any claim that you may have under this policy and to any dispute that you may have arising out of the handling of any claim under the policy. S. Subrogation Whenever we make a payment for a loss under this policy, we are subrogated to your right to recover for that loss from any other person. That means that your right to recover for a loss that was partly or totally caused by someone else is automatically transferred to us, to the extent that we have paid you for the loss. We may require you to acknowledge this transfer in writing. After the loss, you may not give up our right to recover this money or do anything that would prevent us from recovering it. If you make any claim against any person who caused your loss and recover any money, you must pay us back first before you may keep any of that money. T. Continuous Lake Flooding 1. If your insured building has been flooded by rising lake waters continuously for 90 days or more and it appears reasonably certain that a continuation of this flooding will result in a covered loss to the insured building equal to or greater than the building policy limits plus the deductible or the maximum payable under the policy for any one building loss, we will pay you the lesser of these two amounts without waiting for the further damage to occur if you sign a release agreeing: a. To make no further claim under this policy; b. Not to seek renewal of this policy; c. Not to apply for any flood insurance under the Act for property at the described location; and d. Not to seek a premium refund for current or prior terms. If the policy term ends before the insured building has been flooded continuously for 90 days, the provisions of this paragraph T.1. will apply when the insured building suffers a covered loss before the policy term ends. 2. If your insured building is subject to continuous lake flooding from a closed basin lake, you may elect to file a claim under either paragraph T.1. above or this paragraph T.2. (A “closed basin lake” is a natural lake from which water leaves primarily through evaporation and whose surface area now exceeds or has exceeded one square mile at any time in the recorded past. Most of the nation’s closed basin lakes are in the western half of the United States, where annual evaporation exceeds annual precipitation and where lake levels and surface areas are subject to considerable fluctuation due to wide variations in the climate. These lakes may overtop their basins on rare occasions.) Under this paragraph T.2. we will pay your claim as if the building is a total loss even though it has not been continuously inundated for 90 days, subject to the following conditions: a. Lake flood waters must damage or imminently threaten to damage your building. b. Before approval of your claim, you must: (1) Agree to a claim payment that reflects your buying back the salvage on a negotiated basis; and (2) Grant the conservation easement described in FEMA’s “Policy Guidance for Closed Basin Lakes,” to be recorded in the office of the local recorder of deeds. FEMA, in consultation with the community in which the property is located, will identify on a map an area or areas of special consideration (ASC) in which there is a potential for flood damage from continuous lake flooding. FEMA will give the community the agreed-upon map showing the ASC. This easement will only apply to that portion of the property in the ASC. It will allow certain agricultural and recreational uses of the land. The only structures that it will allow on any portion of the property within the ASC are certain simple agricultural and recreational structures. If any of these allowable structures are insurable buildings under the NFIP and are insured under the Page 15 of 19 POL 61 May 1, 2011 NFIP, they will not be eligible for the benefits of this paragraph T.2. If a U.S. Army Corps of Engineers certified flood control project or otherwise certified flood control project later protects the property, FEMA will, upon request, amend the ASC to remove areas protected by those projects. The restrictions of the easement will then no longer apply to any portion of the property removed from the ASC; and (3) Comply with paragraphs T.1.a. through T.1.d. above. c. Within 90 days of approval of your claim, you must move your building to a new location outside the ASC. FEMA will give you an additional 30 days to move if you show that there is sufficient reason to extend the time. d. Before the final payment of your claim, you must acquire an elevation certificate and a floodplain development permit from the local floodplain administrator for the new location of your building. e. Before the approval of your claim, the community having jurisdiction over your building must: (1) Adopt a permanent land use ordinance, or a temporary moratorium for a period not to exceed 6 months to be followed immediately by a permanent land use ordinance, that is consistent with the provisions specified for the easement required in paragraph T.2.b. above; (2) Agree to declare and report any violations of this ordinance to FEMA so that under Section 1316 of the National Flood Insurance Act of 1968, as amended, flood insurance to the building can be denied; and (3) Agree to maintain as deed-restricted, for purposes compatible with open space or agricultural or recreational use only, any affected property the community acquires an interest in. These deed restrictions must be consistent with the provisions of T.2.b. above, except that, even if a certified project protects the property, the land use restrictions continue to apply if the property was acquired under the Hazard Mitigation Grant Program or the Flood Mitigation Assistance Program. If a nonprofit land trust organization receives the property as a donation, that organization must maintain the property as deed-restricted, consistent with the provisions of paragraph T.2.b. above. f. Before the approval of your claim, the affected State must take all action set forth in FEMA’s “Policy Guidance for Closed Basin Lakes.” g. You must have NFIP flood insurance coverage continuously in effect from a date established by FEMA until you file a claim under this paragraph T.2. If a subsequent owner buys NFIP insurance that goes into effect within 60 days of the date of transfer of title, any gap in coverage during that 60-day period will not be a violation of this continuous coverage requirement. For the purpose of honoring a claim under this paragraph T.2., we will not consider to be in effect any increased coverage that became effective after the date established by FEMA. The exception to this is any increased coverage in the amount suggested by your insurer as an inflation adjustment. h. This paragraph T.2. will be in effect for a community when the FEMA Regional Director for the affected region provides to the community, in writing, the following: (1) Confirmation that the community and the State are in compliance with the conditions in paragraphs T.2.e. and T.2.f. above; and (2) The date by which you must have flood insurance in effect. U. Duplicate Policies Not Allowed 1. We will not insure your property under more than one NFIP policy. If we find that the duplication was not knowingly created, we will give you written notice. The notice will advise you that you may choose one of several options under the following procedures: a. If you choose to keep in effect the policy with the earlier effective date, you may also choose to add the coverage limits of the later policy to the limits of the earlier policy. The change will become effective as of the effective date of the later policy. b. If you choose to keep in effect the policy with the later effective date, you may also choose to add the coverage limits of the earlier policy to the limits of the later policy. The change will be effective as of the effective date of the later policy. In either case, you must pay the pro rata premium for the increased coverage limits within 30 days of the written notice. In no event will the resulting coverage limits exceed the permissible limits of coverage under the Act or your insurable interest, whichever is less. We will pay a refund to you, according to applicable NFIP rules, of the premium for the policy not being kept in effect. 2. Your option under this Condition U. Duplicate Policies Not Allowed to elect which NFIP policy to keep in effect does not apply when duplicates have been knowingly created. Losses occurring under such Page 16 of 19 POL 62 May 1, 2011 circumstances will be adjusted according to the terms and conditions of the earlier policy. The policy with the later effective date will be canceled. V. Loss Settlement 1. Introduction This policy provides three methods of settling losses: Replacement Cost, Special Loss Settlement, and Actual Cash Value. Each method is used for a different type of property, as explained in a.-c. below. a. Replacement Cost loss settlement, described in V.2. below, applies to buildings other than manufactured homes or travel trailers. b. Special loss settlement, described in V.3. below, applies to a residential condominium building that is a travel trailer or a manufactured home. c. Actual Cash Value loss settlement applies to all other property covered under this policy, as outlined in V.4. below. 2. Replacement Cost Loss Settlement a. We will pay to repair or replace a damaged or destroyed building, after application of the deductible and without deduction for depreciation, but not more than the least of the following amounts: (1) The amount of insurance in this policy that applies to the building; (2) The replacement cost of that part of the building damaged, with materials of like kind and quality, and for like occupancy and use; or (3) The necessary amount actually spent to repair or replace the damaged part of the building for like occupancy and use. b. We will not be liable for any loss on a Replacement Cost Coverage basis unless and until actual repair or replacement of the damaged building or parts thereof is completed. c. If a building is rebuilt at a location other than the described location, we will pay no more than it would have cost to repair or rebuild at the described location, subject to all other terms of Replacement Cost loss settlement. 3. Special Loss Settlement a. The following loss settlement conditions apply to a residential condominium building that is: (1) A manufactured home or a travel trailer, as defined in II.B.6.b. and c.; and (2) At least 16 feet wide when fully assembled and has an area of at least 600 square feet within its perimeter walls when fully assembled. b. If such a building is totally destroyed or damaged to such an extent that, in our judgment, it is not economically feasible to repair, at least to its predamage condition, we will, at our discretion, pay the least of the following amounts: (1) The lesser of the replacement cost of the manufactured home or travel trailer or 1.5 times the actual cash value; or (2) The building limit of liability shown on your Declarations Page. c. If such a manufactured home or travel trailer is partially damaged and, in our judgment, it is economically feasible to repair it to its predamage condition, we will settle the loss according to the Replacement Cost loss settlement conditions in V.2. above. 4. Actual Cash Value Loss Settlement a. The types of property noted below are subject to Actual Cash Value loss settlement. (1) Personal property; (2) Insured property abandoned after a loss and that remains as debris at the described location; (3) Outside antennas and aerials, awnings, and other outdoor equipment; (4) Carpeting and pads; (5) Appliances; and (6) A manufactured or mobile home or a travel trailer as defined in II.B.6.b. or c. that does not meet the condition for Special Loss Settlement in V.3. above. b. We will pay the least of the following amounts: (1) The applicable amount of insurance under this policy; (2) The actual cash value (as defined in II.B.2.); or (3) The amount it would cost to repair or replace the property with material of like kind and quality within a reasonable time after the loss. Page 17 of 19 POL 63 May 1, 2011 IX. LIBERALIZATION CLAUSE If we make a change that broadens your coverage under change, provided that this implementation date falls within this edition of our policy, but does not require any 60 days before, or during, the policy term stated on the additional premium, then that change will automatically Declarations Page. apply to your insurance as of the date we implement the X. WHAT LAW GOVERNS This policy and all disputes arising from the handling of National Flood Insurance Act of 1968, as amended (42 any claim under the policy are governed exclusively by U.S.C. 4001, et seq.), and Federal common law. the flood insurance regulations issued by FEMA, the IN WITNESS WHEREOF, we have signed this policy below and hereby enter into this Insurance Agreement. Edward L. Connor Deputy Administrator, Insurance Federal Insurance and Mitigation Administration Page 18 of 19 POL 64 OctOber 1, 2011 CLAIM GUIDELINES IN CASE OF A FLOOD For the protection of you and your family, the following claim guidelines are provided by the National Flood Insurance Program (NFIP). If you are ever in doubt as to what action is needed, consult your insurance representative or call the NFIP toll-free at 1-800-638-6620 or on the TDD line at 1-800-447-9487. Know your insurance representative’s name and telephone number. List them here for fast reference: Insurance Representative Representative’s Phone Number • Notify us or your insurance representative, in writing, as soon as possible after the flood. • If you report to your insurance representative, remind him or her to assign the claim to an NFIP-approved claims adjuster. The NFIP pays for the services of the independent claims adjuster assigned to your claim. • Determine the independent claims adjuster assigned to your claim and contact him or her if you have not been contacted within 24 hours after you reported the claim to your insurance representative. • As soon as possible, separate damaged property from undamaged property so that damage can be inspected and evaluated. • Discuss with the claims adjuster any need you may have for an advance or partial payment for your loss. • To help the claims adjuster, try to take photographs of the outside of the premises showing the flooding and the damage and photographs of the inside of the premises showing the height of the water and the damaged property. • Place all account books, financial records, receipts, and other loss verification material in a safe place for examination and evaluation by the claims adjuster. • Work cooperatively and promptly with the claims adjuster to determine and document all claim items. Be prepared to advise the claims adjuster of the cause and responsible party(ies), if the flooding resulted from other than natural cause. • Make sure that the claims adjuster fully explains, and that you fully understand, all allowances and procedures for processing claim payments on the basis of your proof of loss. This policy requires you to send us detailed proof of loss within 60 days after the loss. • Any and all coverage problems and claim allowance restrictions must be communicated directly from the NFIP. Claims adjusters are not authorized to approve or deny claims; their job is to report to the NFIP on the elements of flood cause and damage. At our option, we may accept an adjuster’s report of the loss instead of your proof of loss. The adjuster’s report will include information about your loss and the damages to your insured property. You must sign the adjuster’s report. At our option, we may require you to swear to the report. (8/09) Page 19 of 19 POL 65 May 1, 2011 FLOODMAPS I. OVERVIEW The Federal Emergency Management Agency (FEMA) provides all participating communities with copies of their flood maps. The maps are generally kept in community planning or building permit departments where they should be available for review. Additional information about flood maps can be obtained at the FEMA Map Service Center (MSC) website (http://msc.fema.gov). A. TypesofFloodMaps FEMA produces 2 types of maps for rating flood insurance. For detailed information, refer to Answers to Questions About the NFIP (F-084). 1. Flood Hazard Boundary Map (FHBM) – Initial flood hazard identification generally used for Emergency Program communities. 2. Flood Insurance Rate Map (FIRM) – Generally used for Regular Program communities. Some Regular Program communities may use a map originally published as an FHBM; however, a letter will accompany the map in conjunction with conversion to the Regular Program stating that the map is to be considered a FIRM. Countywide FIRMs are official sources of flood risk data for several communities that supersede all previous versions of the FEMA flood hazard maps for the communities covered. Countywide FIRMs show flooding information for the entire geographic area of a county, including the incorporated communities within the county. B. MapInformation The date of the current effective map version for a community can be obtained by calling the appropriate community official or by calling the National Flood Insurance Program (NFIP) office at the toll-free number. Maps provide community name, community number, suffix, panel number, map type, and the map effective date. (See FIRM panel example and FHBM panel sample at the end of this section.) 1. The maps may have 1 panel or multiple panels. Most Z-fold maps have multiple panels. Flat maps generally consist of only 1 panel. 2. For multiple-panel maps, individual panels are identified on a community map index. 3. Panel numbers are listed for that community’s map in numerical sequence. FHBMs and FIRMs are drawn to show: •Community boundaries; •Special Flood Hazard Areas (SFHAs); and •Areas not included in a community’s map. A community may be physically located within the overall geographical area, but actually stand on its own as a separate community. Therefore, this community would be shown on a separate map. 4. Each panel has a panel number and community number. When there is only 1 panel (i.e., a flat map), the community number will consist of only 6 digits. Example:Monterey County, CA 060195-1025 (The first 2 digits of the number identify the state and the next 4 digits identify the community. The last 4 digits identify the map panel.) 5. Most FIRMs also show: •Rate Zones; •Base Flood Elevations; and/or •Base Flood Depths. C. CommunitieswithUnpublishedMaps These are communities without formally identified SFHAs that chose to have flood insurance coverage available even though the local flooding problems are too small to map. For any such community in the Regular Program, all areas within that community are treated as Zone C or X. D. UnmappedAreasinCommunitieswithMaps The flood hazards for some areas within mapped communities remain undetermined and are unmapped. These unmapped areas are to be treated as Zone D. The designation of Zone D can also be used for rating when a community incorporates portions of another community’s area where no map has been prepared. II. MAPZONES A. SpecialFloodHazardAreas 1. Zone A The lowest floor elevation is required and the Base Flood Elevations (BFEs) are not provided. MAP1 May 1, 2011 2. Zones A1–A30 The lowest floor elevation is required and the BFEs are provided. 3. Zone AE Used in place of A1–A30 on some maps. 4. Zone AH Shallow water depths (ponding) and/or unpredictable flow paths between 1 and 3 feet occur. BFEs are provided. 5. Zone AO Shallow water paths (sheet flow) and/or unpredictable flow paths between 1 and 3 feet occur. BFEs are not provided. Base flood depths may be provided. 6. Zone A99 Enough progress has been made on a protective system such as dikes, dams, and levees to consider it complete for insurance rating purposes. BFEs are not provided. For the purpose of determining Community Rating System (CRS) premium discounts, all AR and A99 Zones are treated as non-SFHAs. 7. Zone AR Area that results from the decertification of a previously accredited flood protection system that is determined to be in the process of being restored to provide base flood protection. For the purpose of determining CRS premium discounts, all AR and A99 Zones are treated as non-SFHAs. 8. Zones AR/AE, AR/AH, AR/AO, AR/A1–A30, AR/A Dual flood zones that, because of flooding from other water sources that the flood protection system does not contain, will continue to be subject to flooding after the flood protection system is adequately restored. For the purpose of determining CRS premium discounts, all AR and A99 Zones are treated as non-SFHAs. 9. Zone V An area that is inundated by tidal floods with velocity (coastal high hazard area). BFEs are not provided. 10. Zones V1–V30 Identical to V Zone, but BFEs are provided. 11. Zone VE Used in place of V1–V30 on some maps. B. Moderate,MinimalHazardAreas 1. Zones B, C, and X Areas of moderate or minimal hazard subject to flooding from severe storm activity or local drainage problems. These zones may be lightly shaded or unshaded on the FIRM. Zone X is the designation for B and C Zones and is used in place of these zones on some maps. 2. Zone D An area where the flood hazard is undetermined and which usually is very sparsely populated. The designation of Zone D can also be used for rating when a community incorporates portions of another community’s area where no map has been prepared. In addition, if the map shows an area as being unmapped, use Zone D. III. LOCATINGASPECIFICPROPERTYONAMAP •Check the map index to identify the correct map panel. •Directly locate the property by the address or other information. It may help to compare the FHBM or FIRM to a more detailed map, such as an assessor’s map or a community street map. •Note the map color where the property is located. On FHBMs and FIRMs, areas darkly shaded are the SFHAs. On an FHBM, no other zone data may be given. On a FIRM, zones are also given an alpha designation. The entire area within the boundaries indicated for a zone carries that specific zone designation. •BFEs in SFHA zones (A1–A30 [or AE], AH, V1–V30 [or VE]) are shown within wavy lines. In some SFHA zones, where the BFE does not vary within the entire zone, the BFE is indicated in parentheses. If required by terrain, a BFE for the property may be interpolated using the closest BFE indicators. In this case, it is important to document the finding. IV. CHANGINGORCORRECTINGAFLOODMAP There are 3 procedures: A. LetterofMapAmendment(LOMA) If the applicant/insured believes that the requirement to purchase flood insurance was made in error and there is evidence that the building is not in the SFHA on the effective FIRM, the applicant/insured may apply for a LOMA. MAP2 May 1, 2011 A LOMA is a determination made by FEMA for property and/or building as to whether it is located within the SFHA. LOMA determinations are based on the following: •Comparing the location of the property to the SFHA. •Comparing the elevation of the property to the 1-percent-annual-chance flood elevation. If, after plotting the location on the FIRM, the FEMA examiner finds that the property and/or building is not shown in the SFHA, then the Determination will be “Out As Shown” rather than “Removed.” The FEMA OutAs- Shown Determination will state that the property or building is correctly shown outside the SFHA and, therefore, the mandatory flood insurance requirement does not apply. An Out-As-Shown Determination does not require elevations. The minimum requirements to make an Out-As-Shown Determination are as follows: •A photocopy of the FIRM panel (including the title block) that shows the area in which the property is located. •Section A of the MT-EZ form, which is found in the MT-EZ application package and can be obtained from the FEMA website at http://www.fema.gov/ plan/prevent/fhm/dl_mt-ez.shtm, or by calling the toll-free number listed below. •A copy of the subdivision Plat Map of the area, showing the recordation data (i.e., Book/Volume and Page numbers) and containing the recorder’s seal. OR •A copy of the deed for the property, showing the recordation information (i.e., Book/Volume and Page numbers) and containing the recorder’s seal, accompanied by a tax assessor’s or other suitable map showing the surveyed location of the property and at least 2 street intersections that are also shown on FEMA’s FIRM. In some cases, additional information may be required to make a determination. Questions about LOMAs may be directed to the FEMA Map Information eXchange (FMIX) toll-free information line at 1-877-FEMA-MAP (1-877-336-2627). B. LetterofMapRevision(LOMR) A LOMR is an official revision to the currently effective FEMA map. It is used to change flood zones, floodplain and floodway delineations, flood elevations, and planimetric features. All requests for LOMRs must be made to FEMA through the chief executive officer of the community, since it is the community that must adopt any changes and revisions to the map. A LOMR is usually followed by a physical map revision. C. PhysicalMapRevision A physical map revision is an official republication of a map to effect changes to flood insurance zones, floodplain delineations, flood elevations, floodways, and planimetric features. The community’s chief executive officer can submit scientific and technical data to FEMA to support the request for a map revision. The data will be analyzed, and the map will be revised if warranted. NOTE: To verify past rating determinations and to establish floodplain management compliance requirements, old maps should be retained. V. ORDERINGFLOODMAPS Flood maps and related products may be ordered by writing to the FEMA MSC at P.O. Box 1038, Jessup, MD 20794-1038. Orders also may be placed by calling the FEMA Map Information eXchange (FMIX) toll-free number, 1-877-336-2627, from 8:00 a.m. to 8:00 p.m., Monday through Friday. Information about flood maps and other products also is available at the MSC’s website (http://msc.fema. gov). Visitors to the site now can download and print free “FIRMettes” – user-selected portions of official FEMA FIRMs. Regular visitors may set up accounts to order and pay for fee-based products online. The MSC distributes FHBMs, FIRMs, and Flood Insurance Studies in hardcopy format. Digital flood data, known as Q3, are available on CD-ROM for approximately 900 counties nationwide. The Q3 data require GIS software for use. Call the FEMA Map Information eXchange (FMIX) at 1-877-336-2627 for Q3 information for specific areas. A. OrderingInstructions Z-fold maps may be ordered by community number and panel number. Flat map orders require a 6-digit community number. When ordering maps, be sure to identify specific map panels needed. B. Prices There is a $4 charge for each hardcopy map panel, including index maps, plus shipping. Q3 data are $50 per CD-ROM. Federal, state, and local governments are exempt from the fees for hardcopy maps. However, they must pay for Q3 CD-ROMs. MAP3 OctOber 1, 2011 A chart showing MSC products, services, and fees is provided on pages MAP 5–6. Orders must be prepaid, and all sales are final. Overpayments of less than $3 are not refunded. The MSC accepts VISA, MasterCard, American Express, and Discover; deposit accounts (see “C. Map Revisions,” following); and checks. Credit card and deposit account orders can be faxed to 1-800-3589620. Checks should be made payable to “NFIP” and mailed to the address shown at the beginning of “V. Ordering Flood Maps.” C. MapRevisions To automatically receive map revisions, an account must be set up by either check or credit card. Accounts are established with a check of $1,500 minimum. The check must be sent to the MSC at the address on the previous page, along with a list of the required map areas. As revised maps become available, they will be sent automatically, and the appropriate fees will be deducted from the deposit account. Revised map information also may be obtained from the Flood Map Status Information Service or the Community Status Book. For more information, call the FEMA Map Information eXchange (FMIX) at 1-877-336-2627. MAP4 OctOber 1, 2011 MAP SERVICE CENTER ORDER FORM For Flood Maps, Flood Insurance Studies, and Subscriptions Order online at: http://msc.fema.gov Business Type: Please check the title that corresponds with your business type. ..A1 -FEMA ..B - Appraiser ..I - WYO ..Z2 -Title Co. ..A2 - FEMA Contractor ..C - Insurance ..J -Real Estate ..Z3 -Law Firm/Settlement Co. ..A3 - Federal Government ..D -Individual ..K -Builder/Developer ..Z4 -Architectural Firm ..A4 - State Government ..F -Engineer ..L -Surveyor ..Z5 -Consulting Firm ..A5 - Local Government ..G -Lender ..Z1 - Flood Determination ..Z6 -Other:________________ Name:_____________________________ Map Service Center Account #:____________________ Organization:_____________________________________________________________________ Street Address: ___________________________________________________________________ City:______________________ State:___________________ Zip:_______________________ Telephone Number: (_____)____________________ Fax Number: (_____)___________________ Digital Flood Maps on CD-ROM: Each map panel cost $4.00. Shipping costs are $1.75 for the first two (2) CD-ROMs plus $0.25 for additional CD-ROMs. Community ID No. Community, County/State Qty Price/Panel Cost _________________ ________________________ ______ X $4.00 = _________ _________________ ________________________ ______ X $4.00 = _________ Digital Flood Insurance Studies (FIS)/Floodway Maps on CD-ROM: $6.00 per study plus $4.00 per floodway. Shipping costs are $1.75 for the first two (2) CD-ROMs plus $0.25 for additional CD-ROMs. Community ID No. Community, County/State Qty Price/Panel Cost _________________ ________________________ ______ _________ = _________ _________________ ________________________ ______ _________ = _________ Q3 - Digitized Flood Data Information on CD-ROM: Each CD-ROM is $50.00. Shipping costs are $2.00 for the first two (2) CD-ROMs plus $1.00 for additional CD-ROMs. States Qty Price/CD Cost _______________________________ ______ X $50.00 = _________ CBRA - Q3 CD-ROM: CD-ROMs are $50.00 each or all five (5) CD-ROMs for $200.00. Shipping costs are $2.00 for the first two (2) CD-ROMs plus $1.00 for additional CD-ROMs. States Qty Price/CD Cost ________________________________ ______ X $50.00 = _________ G&S -Guidelines and Specifications or MHIP - Multi-Hazard Implementation Plan on CD-ROM: Each CD-ROM is $2.60. Shipping costs are $1.75 for the first two (2) CD-ROMs plus $0.25 for additional CD-ROMs. Qty Price/CD Cost Guidelines & Specifications ______ X $2.60 = _________ Multi-Hazard Implementation Plan ______ X $2.60 = _________ MSc Products, Services, and Fees http://msc.fema.gov MAP5 May 1, 2011 DFIRM on CD-ROM*: Community ID No. Qty Price/CD Cost DFIRM Database _________________ ______ X $10.00 = _________ DFIRM w/Ortho _________________ ______ X $10.00 = _________ *Shipping costs are $1.75 for the first two (2) CD-ROMs plus $0.25 for additional CD-ROMs. Flood Map Status Information Service (FMSIS): Qty Price/State Cost FMSIS One Time State One Issue* ________ ______ X $13.00 = _________ FMSIS One Time U.S. Issue* ________ ______ X $38.00 = _________ FMSIS Monthly State Subscription ________ ______ X $148.00 = _________ FMSIS Monthly U.S. Subscription ________ ______ X $419.00 = _________ *Shipping costs are $1.75 for the first two (2) CD-ROMs plus $0.25 for additional CD-ROMs. NFIP Insurance Manual: Qty Price Per Cost Complete Manual (Paper) ______ X $35.00 = _________ Complete Manual (CD-ROM) ______ X $25.00 = _________ Letter of Map Change Subscription Service (LOMC): Qty Sub Price Cost Single Subscription: ______ X $85.00 = _________ Yearly Subscription: ______ X $2,000.00 = _________ Shipping costs are included in the subscription cost. Subscription Sub Total: = _________ Order Sub Total: = _________ Shipping Cost: $ _________ Total Cost for Order: $ _________ Orders paid by check can be mailed to: FEMA/NFIP/MSC Map Service Center P.O. Box 1038 Jessup, MD 20794-1038 All other orders can be faxed to: 1-800-358-9620 Payment Information: ..Check or money order payable to FEMA/NFIP/MSC is enclosed for $__________ ..Charge my deposit account number __________________________________$___________ ..If paying by credit card, please provide a valid phone number and a Technical Service Representative will contact you shortly. Area Code ( )_______-____________ (If you would like assistance in calculating the cost of your order or information about setting up a deposit account, call Customer Service at 1-877-336-2627.) All map sales are final - no refunds on material shipped. Thank you for your order. Revised February 2010 MAP6 May 1, 2011 MAP7 May 1, 2011 MAP8 May 1, 2011 PROVISIONALRATING I. GENERALDESCRIPTION Provisional rating is available to enable the placement of coverage prior to receipt of the Elevation Certificate (EC). It is expected that an EC will be secured and actuarial rating completed within 60 days of the policy effective date. Failure to obtain the EC could result in reduced coverage limits at the time of a loss. A sample rate questionnaire and a sample notice to the policyholders informing them of their obligations under a provisionally rated policy are included in this section. Provisional rates may be used in writing new business whether or not the 30-day waiting period is applicable. Provisionally rated policies are subject to Community Rating System (CRS) Premium Discount, Probation Surcharge, and optional deductible factors, as applicable. The Federal Policy Fee and Increased Cost of Compliance (ICC) Premium also apply to provisionally rated policies. II. ELIGIBILITYREQUIREMENTS Provisional rating is available only for newly insured risks meeting all of the following criteria: •Post-FIRM; •1–4 family residential buildings; and •Property located in either o Zones AE, A1–A30, AO, or AH, or o Zone A where the community provides Base Flood Elevations (BFEs). Manufactured (mobile) homes are not eligible. Policies written with provisional rates cannot be renewed or rewritten with provisional rates. In addition, an insured who has purchased a provisionally rated policy on a given property may not purchase another provisionally rated policy on that same property. III. REFORMATION While provisionally rated policies may remain in effect for up to 1 year, actuarial rating must be accomplished prior to any claim payment, should there be a loss. A. Limitations A provisionally rated policy has limited reformation rights. 1. If the insurer receives a valid EC and the required photographs within 60 days of the policy effective date, the coverage limits on the declarations page will be revised as of the policy effective date. If any additional premium is due because the actuarial premium is more than the provisional premium, the insured will then have 30 days to pay the additional premium for the entire term to restore the originally requested limits without a waiting period. Those coverage limits will apply even to a loss occurring before the EC and additional premium are received. Actuarial rating will be completed before the loss payment is made. 2. If the insurer receives a valid EC and any additional premium due as a result of using actuarial rates more than 60 days after the policy effective date but before a loss occurs, the insured has 2 options. The insured may submit the additional premium for the entire policy term, in which case the coverage limits on the declarations page will be in force from the effective date. Alternatively, the insured may submit the additional premium, computed for the remainder of the policy term with a 30-day waiting period. In this latter case, the originally requested coverage limits will apply only to any loss occurring after the waiting period. Reduced coverage limits as described in number (3) below will apply to any loss occurring within the waiting period. 3. If neither (1) nor (2) above applies, actuarial rates must be determined before any loss payment will be made. If the actuarial premium is more than the provisional premium, the coverage limits will be less than those shown on the declarations page. In that case, the loss payment will be subject to the reduced coverage limits, which will be the coverage limits that the provisional premium would buy using the actuarial rates. If the insured wants to increase the reduced coverage limits, a 30-day waiting period will apply to the additional coverage. In all instances, if the actuarial premium is less than the provisional premium, the amount of coverage may not exceed the amount originally requested. B. EndorsementProcedure A provisionally rated policy may not be endorsed to increase coverage until the policy has been reformed to an actuarially rated policy. At that time, all standard endorsement rules apply (e.g., 30-day wait). In order to reform the rating method of a provisionally rated policy, the agent/producer should submit a general change request along with the necessary documentation. Any additional premium due must be calculated and submitted at that time. The reason for change should be listed as “reforming from provisional to actuarial rating.” PR1 OctOber 1, 2011 IV. NOTIFICATIONREQUIREMENTS When a policy is issued using provisional rating, along with the declarations page, a notice will be provided to the insured, the agent/producer, and the lender (if applicable) that explains the nature of the coverage, the limited reformation rights, and the expectation that actuarial rating will be accomplished. See the sample notice at the end of this section. V. COMPLETING THE PROVISIONAL RATING QUESTIONNAIRE A. GeneralDirections The Provisional Rating Questionnaire, shown on page PR 3, is for Post-FIRM properties in zones A with BFE, AE, A1–A30, AO, and AH where there is no EC at the point of sale. Eligibility is restricted to 1–4 family buildings. The questionnaire must be completed and submitted with the Flood Insurance Application. The following are instructions for completing the questionnaire. 1. Enter the applicant’s name and the property address, city, state, and ZIP Code. 2. Enter the policy number, if known. 3. Enter the policy effective date and policy expiration date (month/day/year). The effective date of the policy is determined by adding the appropriate waiting period to the date of application listed on the Flood Insurance Application. 4. For questions 1–4 on the Provisional Rating Questionnaire, start with question 1 and proceed until a question is answered affirmatively. That will indicate the foundation type that is to be used in selecting the rate from the table. 5. Complete the Flood Insurance Application and attach the questionnaire. Use the rates in the table indicated by the answers to questions 1–4 to complete the premium calculation section on the Flood Insurance Application. Note that optional deductibles, ICC Premium, CRS Premium Discount, Probation Surcharge, and Federal Policy Fee affect the Total Prepaid Amount calculation for provisional rates. B. Guidance for Determining Building Elevated onFill For the purposes of this questionnaire, the following questions are provided to help correctly determine whether a building has been elevated on fill. 1. Is the building built on a mound of earth? An indication could be that the land slopes significantly down away from the building in the front and rear, or the driveway slopes significantly down toward the street. 2. Is the front door threshold at least 3 feet above the crown of the street? 3. Do steps up from the street to the house result in at least a 3-foot rise? 4. Is the lower floor of the house at least 2 feet above the floor of the garage? If the answer to any of the above is “yes,” indicate “yes” for question 2 on the questionnaire. PR2 OctOber 1, 2011 NATIONALFLOODINSURANCEPROGRAM PROVISIONALRATINGQUESTIONNAIRE 1–4 Family Post-FIRM Zones A with BFE1, AE, A1–A30, AO, and AH (To be attached to the Flood Insurance Application) NAME POLICY NUMBER PROPERTY ADDRESS POLICY PERIOD IS FROM TO CITY STATE ZIP CODE Answer the questions below. Use the rates associated with the first “yes” response. These rates are to be used on the Flood Insurance Application. Yes No 1. Is there a basement or subgrade crawlspace? 2. Is the house built on fill2 or with a crawlspace or solid perimeter foundation walls? 3. Is the house elevated on pilings, piers, columns, or parallel shear walls? If yes, determine whether there is an enclosed area underneath the building. 4. Were the answers to the previous questions all no? Then the house is assumed to be slab on natural grade. FOUNDATION TYPE BUILDING TYPE CONTENTS LOCATION 1 Floor (No Basement) More Than 1 Floor (Basement or No Basement) Basement and Above Lowest Floor Only – Above Ground Level (Not in Basement) Lowest Floor Above Ground Level and Higher (Not in Basement) Above3 Ground Level – More Than 1 Full Floor Basement or Subgrade Crawlspace 2.40 / .66 1.29 / .13 .96 / .13 .68 / .13 .35 / .12 Slab on Fill, Crawlspace, or Solid Perimeter Foundation Walls 1.78 / .13 1.30 / .12 1.49 / .62 .95 / .45 .35 / .12 Piles, Piers, Columns, or Parallel Shear Walls With Enclosure No Enclosure 1.27 / .12 .75 / .10 .94 / .11 .57 / .09 1.40 / .14 1.04 / .14 1.09 / .13 .73 / .13 .35 / .12 .35 / .12 Slab on Natural Grade 4.00 / 2.15 4.00 / 2.15 6.77 / 4.07 6.77 / 4.07 .35 / .12 1 Provisional rates can be used in Unnumbered A Zones only where communities provide BFEs. 2 For information on how to determine whether a house is built on fill, see the guidelines on page PR 2. 3 The “Above Ground Level – More Than 1 Full Floor” rates are applicable to 2–4 family buildings only. NOTE:Add $5 ICC Premium and $50 Probation Surcharge, if applicable, for all provisionally rated policies. PR3 OctOber 1, 2011 VI. PROVISIONALRATINGEXAMPLE REGULARPROGRAM,POST-FIRMCONSTRUCTION Data Essential to Determine Appropriate Rates and Premium: REGULARPROGRAM: •Flood Zone: A with BFE, AE, A1–A30, AO, or AH •Occupancy: Single-Family Dwelling •Number of Floors: 3 •Basement/Enclosure: Basement •Deductible: $3,000/$2,000 •Deductible Factor: .875 •Contents Location: Basement and Above •Date of Construction: Post-FIRM •Elevation Difference: N/A •Floodproofed (Yes/No): No •Building Coverage: $250,000 •Contents Coverage: $100,000 •ICC Premium: $5 •CRS Rating: N/A •CRS Discount: N/A •Probation Surcharge: $50 DETERMINEDRATES: Building: 2.40/.66 Contents: 1.29/.13 COVERAGE BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE BUILDING $60,000 2.40 $1,440 $190,000 .66 $1,254 $337 $250,000 $2,357 CONTENTS $25,000 1.29 $323 $75,000 .13 $98 $53 $100,000 $368 RATE TYPE: (ONE BUILDING PER POLICY — BLANKET COVERAGE NOT PERMITTED) MANUAL SUBMIT FOR RATING ALTERNATIVE V-ZONE RISK RATING FORM PROVISIONAL RATING LEASED FEDERAL PROPERTY MORTGAGE PORTFOLIO PROTECTION PROGRAM PAYMENT OPTION: CREDIT CARD OTHER: ANNUAL SUBTOTAL $2,725 ICC PREMIUM $5 SUBTOTAL $2,730 CRS PREMIUM DISCOUNT % — SUBTOTAL $2,730 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) PROBATION SURCHARGE $50 FEDERAL POLICY FEE $40 TOTAL PREPAID AMOUNT $2,820 PREMIUMCALCULATION: 1. Multiply Rate × $100 of Coverage: Building: $2,694 / Contents: $421 2. Apply Deductible Factor: Building: .875 × $2,694 = $2,357 / Contents: .875 × $421 = $368 3. Premium Reduction: Building: $337 / Contents: $53 4. Subtotal: $2,725 5. Add ICC Premium: $5 6. Subtract CRS Discount: N/A 7. Subtotal: $2,730 8. Add Probation Surcharge: $50 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $2,820 PR4 OctOber 1, 2011 SAMPLENOTICETOACCOMPANYPROVISIONALLYRATEDPOLICIES At the request of you and your agent/producer, the enclosed Standard Flood Insurance Policy has been issued using provisional rates because an Elevation Certificate was not available at the time of application. An Elevation Certificate is necessary to determine a premium that accurately reflects the flood risk (i.e., actuarial rates). By accepting this provisionally rated policy, you agree to submit an Elevation Certificate and the required photographs within 60 days of your policy becoming effective. Failure to comply with this requirement may result in lower coverage limits than those shown on the enclosed declarations page and may affect other aspects of your coverage. This policy is issued for a 1-year term and cannot be renewed using provisional rates. It is likely that after you submit a valid Elevation Certificate, the resulting actuarial premium will be determined to be lower than the provisional premium. In that case, you will receive a refund of the difference for the policy term. If the actuarial premium is determined to be higher, the following rules apply: (1) If we receive from you a valid Elevation Certificate and the required photographs within 60 days of the policy effective date, the coverage limits on the declarations page will be revised as of the policy effective date. If any additional premium is due because the actuarial premium is more than the provisional premium, you will then have 30 days to pay the additional premium for the entire term to restore the originally requested limits without a waiting period. Those coverage limits will apply even to a loss occurring before we receive the Elevation Certificate and additional premium. Actuarial rating will be completed before the loss payment is made. (2) If we receive from you a valid Elevation Certificate and any additional premium due as a result of using actuarial rates more than 60 days after the policy effective date but before a loss occurs, you have 2 options. You may submit the additional premium for the entire policy term, in which case the coverage limits on the enclosed declarations page will be in force from the effective date. Alternatively, you may submit the additional premium, computed for the remainder of the policy term with a 30-day waiting period. In this latter case, the originally requested coverage limits will only apply to any loss occurring after the waiting period. Reduced coverage limits as described in number (3) below will apply to any loss occurring within the waiting period. (3) If neither (1) nor (2) above applies, actuarial rates must be determined before any loss payment will be made. If the actuarial premium is more than the provisional premium, the coverage limits will be less than those shown on the enclosed declarations page. In that case, the loss payment will be subject to the reduced coverage limits, which will be the coverage limits that the provisional premium would buy using the actuarial rates. If you want to increase your reduced coverage limits, a 30-day waiting period will apply to the additional coverage. In all instances, if the actuarial premium is less than the provisional premium, the amount of coverage may not exceed the amount originally requested. If you have any questions, please contact your insurance agent/producer for assistance. PR5 OctOber 1, 2011 COASTAL BARRIER RESOURCES SYSTEM The Coastal Barrier Resources Act (Pub. L. 97-348) and the Coastal Barrier Improvement Act of 1990 (Pub. L. 101-591) are Federal laws that were enacted on October 18, 1982, and November 16, 1990, respectively. The legislation was implemented as part of a Department of the Interior (DOI) initiative to minimize loss of human life by discouraging development in high-risk areas, reduce wasteful expenditures of Federal resources, and preserve the ecological integrity of areas Congress designates as a Coastal Barrier Resources System (CBRS) and Otherwise Protected Areas (OPAs). The laws provide this protection by prohibiting all Federal expenditures or financial assistance, including flood insurance, for residential or commercial development in areas so identified. The 1990 Act amends the 1982 Act by adding and deleting CBRS areas and by adding OPAs. As a result, revisions are made to the Flood Insurance Rate Maps (FIRMs) for the affected communities. Both of the laws provided 1-year grace periods for the National Flood Insurance Program (NFIP) to comply with the statutory requirements: October 1, 1983, for the 1982 Act and November 16, 1991, for the 1990 Act. The 1-year grace period for the 1990 Act applies only to the OPAs. New CBRS areas established by the 1990 Act have no grace period. To determine whether a building is eligible for flood insurance coverage, the agent/producer should consult the list of communities where coastal barriers and/or OPAs have been identified. The list is included in this section. The community’s map should always be reviewed to determine if the property to be insured is located in a designated CBRS area or OPA. A listing of map panels that have CBRS areas is available for review on the Federal Emergency Management Agency (FEMA) website at http://www. fema.gov/business/nfip/cbrs/cbrs.shtm. The website page is for information and notification purposes only. The website does not determine flood insurance eligibility or status in relation to a CBRS or an OPA; it merely indicates whether a particular FIRM panel contains a portion of the CBRS or an OPA. Further study of the FIRM and property location and/or the building’s date of construction in relation to the CBRS designation date is necessary to determine whether a specific property is eligible for flood insurance. Buildings may be eligible for flood insurance even if they are located within such areas. Eligibility depends upon which Act identified that community as having such areas. Eligibility under the 1982 Act for a building in a CBRS area requires that: • A legally valid building permit for the construction of the building was issued prior to October 1, 1983; and • The building was built (walled and roofed) prior to October 1, 1983; and • The building was not substantially improved or substantially damaged on or after October 1, 1983. Eligibility under the 1990 Act for a building in a CBRS area or an OPA requires that: • For CBRS areas: o A legally valid building permit for the construction of the building was issued prior to November 16, 1990; and o The actual start of construction of the building was prior to November 16, 1990; and o The building was not substantially improved or substantially damaged on or after November 16, 1990. • For OPAs: o A legally valid building permit for the construction of the building was issued prior to November 16, 1991; and o A building in an OPA was built (walled and roofed) no later than November 16, 1991; and o The building was not substantially improved or substantially damaged after November 16, 1991. OR o The building is used in a manner consistent with the purpose for which the area is protected, regardless of the date of construction. Eligibility under other CBRS amendments is based on the preceding rules applied to the date the insurance prohibition became effective. When an Application for flood insurance is submitted for buildings located in CBRS and/or OPA communities, thefollowing typesof documentationmustbesubmitted as evidence of eligibility by the agent/producer writing through the NFIP Direct: • For buildings built on or after the date the insurance prohibition became effective, a legible copy of the CBRS 1 May 1, 2011 current map panel marked to show the exact location of the building and that the building is not in a CBRS area or an OPA. o Other forms of acceptable documentation include the following: – A letter indicating that the building is not located in a CBRS area or an OPA, signed and dated by a local community official; – An EC indicating that the building is not located in a CBRS area or an OPA, signed and dated by a surveyor, an engineer, an architect, or a local community official; – A flood zone determination certification indicating that the building is not located in a CBRS area or an OPA, that guarantees the accuracy of the information; or – A letter from the U.S. Fish & Wildlife Service stating that the building is not located in a CBRS area or an OPA. • For buildings in CBRS areas and OPAs: o A legally valid building permit, or if the building permit was lost or destroyed, a written statement to this effect signed by the community official responsible for the building permits will be accepted in lieu of the building permit; and o A statement by a responsible community official that: – The walls and roof of the building were in place (1982 Act) or the start of construction took place (1990 Act) before the date the insurance prohibition became effective; and – The building was not substantially improved or substantially damaged on or after the date the insurance prohibition became effective. o Other forms of acceptable documentation include the following: – First mortgage financing records; – Property tax records; – Electrical permit records; – On-site septic or sewer system records; – State Coastal Zone Management Agency records; and – State Wetlands Program permit records. • For structures in OPAs only: o Certification from the governmental body overseeing the area indicating that a building in an OPA is used in a manner consistent with the purpose for which the area is protected may be submitted in lieu of the above documentation. If an agent/producer writing through the NFIP Direct is uncertain whether a building is located in a CBRS area or an OPA, the following procedure should be used: • Do not collect the premium. • Mark the Application “Possible CBRS.” • Attach a legible copy of the map panel showing the community number, map suffix, and FIRM date. Mark the risk’s location on the FIRM. • Attach a copy of a plat survey or tax map. • Provide a copy of a county or municipal street map that shows the area surrounding the property location and has the risk’s location clearly marked. Also provide, if available, an aerial photograph that shows the property in question, a metes-and-bounds description of the location, and/or the latitude and longitude of the property. • Provide a statement explaining the mechanism used to identify whether the property is located inside or outside the CBRS/OPA (e.g., contacted community’s tax office). • Mail all documentation listed above and a legible photocopy of the Application to NFIP Servicing Agent, P.O. Box 29138, Shawnee Mission, KS 66201-9138. An agent/producer writing through an insurer should contact that insurer for guidance. CBRS 2 OctOber 1, 2011 Coastal Barrier Resources System LIST OF COMMUNITIES COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) Baldwin County (Uninc. Areas) AL 015000 Y Y Dauphin Island (Town) AL 010418 Y Y Gulf Shores (City) AL 015005 N Y Mobile County (Uninc. Areas) AL 015008 Y Y Orange Beach (City) AL 015011 N Y Branford (Town) CT 090073 Y N Bridgeport (City) CT 090002 Y Y Clinton (Town) CT 090061 Y Y East Lyme (Town) CT 090096 Y N Fenwick (Borough) CT 090187 Y N Groton (City) CT 090126 Y N Groton (Town) CT 090097 Y Y Groton Long Point Association CT 090167 Y N Madison (Town) CT 090079 Y N Milford (City) CT 090082 Y Y New Haven (City) CT 090084 N Y New London (City) CT 090100 Y N Norwalk (City) CT 090012 Y Y Old Lyme (Town) CT 090103 Y N Old Saybrook (Town) CT 090069 Y N Stonington (Borough) CT 090193 Y N Stonington (Town) CT 090106 Y N Stratford (Town) CT 090016 N Y Waterford (Town) CT 090107 Y N West Haven (City) CT 090092 N Y Westbrook (Town) CT 090070 Y N Westport (Town) CT 090019 Y Y Dewey Beach (Town) DE 100056 Y N Fenwick Island (Town) DE 105084 N Y Kent County (Uninc. Areas) DE 100001 Y Y Lewes (City) DE 100041 N Y Little Creek (Town) DE 100015 N Y Rehoboth Beach (City) DE 105086 Y Y Slaughter Beach (Town) DE 100050 Y Y Sussex County (Uninc. Areas) DE 100029 Y Y Bay County (Uninc. Areas) FL 120004 Y Y Bonita Springs (City) FL 120680 Y Y Bradenton Beach (City) FL 125091 Y Y Brevard County (Uninc. Areas) FL 125092 Y Y Cedar Key (City) FL 120373 Y N Charlotte County (Uninc. Areas) FL 120061 Y Y Clearwater (City) FL 125096 Y Y Collier County (Uninc. Areas) FL 120067 Y Y Cutler Bay (Town) FL 120218 N Y Dania Beach (City) FL 120034 N Y Destin (City) FL 125158 Y Y Dixie County (Uninc. Areas) FL 120336 Y N Dunedin (City) FL 125103 Y Y Escambia County (Uninc. Areas) FL 120080 Y Y Fernandina Beach (City) FL 120172 N Y Flagler Beach (City) FL 120087 Y Y Flagler County (Uninc. Areas) FL 120085 Y Y Fort Lauderdale (City) FL 125105 N Y Fort Myers Beach (Town) FL 120673 Y N Fort Pierce (City) FL 120286 Y Y Franklin County (Uninc. Areas) FL 120088 Y Y Gulf Breeze (City) FL 120275 Y Y CBRS 3 May 1, 2011 Coastal Barrier Resources System LIST OF COMMUNITIES (continued) COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) Gulf County (Uninc. Areas) FL 120098 Y Y Hillsborough County (Uninc. Areas) FL 120112 Y Y Hollywood (City) FL 125113 Y Y Indian River County (Uninc. Areas) FL 120119 Y Y Islamorada (Village) FL 120424 Y Y Islandia (City) FL 120647 Y Y Jacksonville (City) FL 120077 Y Y Jupiter (Town) FL 125119 N Y Jupiter Island (Town) FL 120162 Y Y Key Biscayne (Village) FL 120648 N Y Layton (City) FL 120169 N Y Lee County (Uninc. Areas) FL 125124 Y Y Levy County (Uninc. Areas) FL 120145 Y Y Longboat Key (Town) FL 125126 Y Y Malabar (Town) FL 120024 Y N Manatee County (Uninc. Areas) FL 120153 Y Y Marathon (City) FL 120681 Y N Marco Island (City) FL 120426 Y Y Marineland (Town) FL 120570 Y N Martin County (Uninc. Areas) FL 120161 Y Y Mexico Beach (City) FL 120010 Y N Miami (City) FL 120650 N Y Miami-Dade (Uninc. Areas) FL 120635 Y Y Monroe County (Uninc. Areas) FL 125129 Y Y Naples (City) FL 125130 Y Y Nassau County (Uninc. Areas) FL 120170 N Y New Smyrna Beach (City) FL 125132 Y N North Palm Beach (Village) FL 120217 N Y Oak Hill (City) FL 120624 N Y Okaloosa County (Uninc. Areas) FL 120173 Y N Orchid (Town) FL 120122 Y Y Palm Bay (City) FL 120404 Y N Palm Beach County (Uninc. Areas) FL 120192 N Y Palmetto Bay (Village) FL 120687 N Y Pasco County (Uninc. Areas) FL 120230 N Y Pensacola Beach–Santa Rosa Island Authority FL 125138 Y Y Pinellas County (Uninc. Areas) FL 125139 Y Y Ponce Inlet (Town) FL 120312 Y N Port St. Joe (City) FL 120099 Y N Port St. Lucie (City) FL 120287 Y N Riviera Beach (City) FL 125142 N Y Sanibel (City) FL 120402 Y Y Santa Rosa County (Uninc. Areas) FL 120274 Y Y Sarasota (City) FL 125150 N Y Sarasota County (Uninc. Areas) FL 125144 Y Y Sewall’s Point (Town) FL 120164 Y N St. Augustine (City) FL 125145 Y Y St. Augustine Beach (City) FL 125146 N Y St. Johns County (Uninc. Areas) FL 125147 Y Y St. Lucie County (Uninc. Areas) FL 120285 Y Y St. Petersburg (City) FL 125148 N Y Titusville (City) FL 125152 N Y Venice (City) FL 125154 N Y Volusia County (Uninc. Areas) FL 125155 Y Y Wakulla County (Uninc. Areas) FL 120315 Y N Walton County (Uninc. Areas) FL 120317 Y Y CBRS 4 May 1, 2011 Coastal Barrier Resources System LIST OF COMMUNITIES (continued) COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) Brunswick (City) GA 130093 N Y Bryan County (Uninc. Areas) GA 130016 N Y Camden County (Uninc. Areas) GA 130262 Y Y Chatham County (Uninc. Areas) GA 130030 Y Y Darien (City) GA 130131 N Y Glynn County (Uninc. Areas) GA 130092 Y Y Jekyll Island State Park Authority GA 130201 N Y Liberty County (Uninc. Areas) GA 130123 N Y McIntosh County (Uninc. Areas) GA 130130 N Y Cameron Parish (Uninc. Areas) LA 225194 Y Y Grand Isle (Town) LA 225197 Y Y Iberia Parish (Uninc. Areas) LA 220078 N Y Jefferson Parish (Uninc. Areas) LA 225199 Y Y Lafourche Parish (Uninc. Areas) LA 225202 Y N Plaquemines Parish (Uninc. Areas) LA 220139 Y Y St. Bernard Parish (Uninc. Areas) LA 225204 Y Y St. Mary Parish (Uninc. Areas) LA 220192 Y N Terrebonne Parish (Uninc. Areas) LA 225206 Y N Vermilion Parish (Uninc. Areas) LA 220221 Y Y Aquinnah (Town) MA 250070 Y Y Barnstable (Town) MA 250001 Y Y Beverly (City) MA 250077 Y N Boston (City) MA 250286 Y Y Bourne (Town) MA 255210 Y N Brewster (Town) MA 250003 Y N Chatham (Town) MA 250004 Y Y Chilmark (Town) MA 250068 Y Y Cohasset (Town) MA 250236 Y N Dartmouth (Town) MA 250051 Y Y Dennis (Town) MA 250005 Y Y Duxbury (Town) MA 250263 Y N Eastham (Town) MA 250006 Y Y Edgartown (Town) MA 250069 Y Y Essex (Town) MA 250080 Y N Fairhaven (Town) MA 250054 Y N Falmouth (Town) MA 255211 Y N Gloucester (City) MA 250082 Y N Gosnold (Town) MA 250071 Y Y Hull (Town) MA 250269 Y N Ipswich (Town) MA 250086 Y Y Kingston (Town) MA 250270 Y N Manchester (Town) MA 250090 Y N Marion (Town) MA 255213 Y N Marshfield (Town) MA 250273 Y N Mashpee (Town) MA 250009 Y Y Mattapoisett (Town) MA 255214 Y N Nantucket (Town) MA 250230 Y N Newbury (Town) MA 250096 N Y Oak Bluffs (Town) MA 250072 Y Y Orleans (Town) MA 250010 Y Y Plymouth (Town) MA 250278 Y N Provincetown (Town) MA 255218 N Y Quincy (City) MA 255219 N Y Rockport (Town) MA 250100 Y N Rowley (Town) MA 250101 N Y Salisbury (Town) MA 250103 N Y CBRS 5 May 1, 2011 Coastal Barrier Resources System LIST OF COMMUNITIES (continued) COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) Sandwich (Town) MA 250012 Y Y Scituate (Town) MA 250282 Y N Swampscott (Town) MA 250105 Y N Swansea (Town) MA 255221 Y N Tisbury (Town) MA 250073 Y N Truro (Town) MA 255222 Y Y Wareham (Town) MA 255223 Y N Wellfleet (Town) MA 250014 N Y West Tisbury (Town) MA 250074 Y N Westport (Town) MA 255224 Y Y Winthrop (Town) MA 250289 N Y Yarmouth (Town) MA 250015 Y Y Calvert County (Uninc. Areas) MD 240011 Y Y Crisfield (City) MD 240062 N Y Dorchester County (Uninc. Areas) MD 240026 Y Y Kent County (Uninc. Areas) MD 240045 Y Y Queen Annes County (Uninc. Areas) MD 240054 Y N Somerset County (Uninc. Areas) MD 240061 Y Y St. Mary’s County (Uninc. Areas) MD 240064 Y Y Talbot County (Uninc. Areas) MD 240066 Y N Wicomico County (Uninc. Areas) MD 240078 Y N Worcester County (Uninc. Areas) MD 240083 N Y Andrews Island ME 230967 Y N Cape Elizabeth (Town) ME 230043 Y Y Cranberry Isles (Town) ME 230278 Y N Cumberland (Town) ME 230162 Y N Cutler (Town) ME 230310 Y Y Georgetown (Town) ME 230209 N Y Harpswell (Town) ME 230169 Y N Harrington (Town) ME 230314 Y N Islesboro (Town) ME 230256 Y N Jonesport (Town) ME 230138 Y N Kennebunk (Town) ME 230151 Y N Kittery (Town) ME 230171 Y N Lubec (Town) ME 230139 Y N Machiasport (Town) ME 230141 Y N Milbridge (Town) ME 230142 N Y Ogunquit (Town) ME 230632 N Y Perry (Town) ME 230319 Y N Phippsburg (Town) ME 230120 Y Y Portland (City) ME 230051 Y N Roque Bluffs (Town) ME 230322 Y Y Scarborough (Town) ME 230052 Y N Steuben (Town) ME 230323 Y Y Wells (Town) ME 230158 Y Y York (Town) ME 230159 Y N Allouez (Township) MI 261414 Y N Alpena (City) MI 260010 Y N Alpena (Township) MI 260011 Y N Arcadia (Township) MI 260306 Y N Arvon (Township) MI 261078 Y N Bay De Noc (Township) MI 260685 Y N Blaine (Township) MI 260027 Y N Brownstown (Charter Township) MI 260218 Y N Cedarville (Township) MI 260659 Y N Clark (Township) MI 260759 Y N DeTour (Township) MI 260775 Y N CBRS 6 May 1, 2011 Coastal Barrier Resources System LIST OF COMMUNITIES (continued) COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) Drummond Island (Township) MI 260803 Y N Ensign (Township) MI 260752 Y N Frenchtown (Township) MI 260146 Y N Garfield (Township) MI 260766 Y N Hendricks (Township) MI 260806 Y N Houghton (Township) MI 260799 Y N Hudson (Township) MI 260807 Y N Huron (Township) MI 260415 Y N LaSalle (Township) MI 260148 Y N Luna Pier (City) MI 260150 Y N McMillan (Township) MI 260487 Y N Moran (Township) MI 260443 Y N Mueller (Township) MI 261732 Y N Newton MI 260647 Y N Onota (Township) MI 260345 Y N Pointe Aux Barques (Township) MI 260617 Y N Port Austin (Township) MI 260290 Y N Powell (Township) MI 260452 Y N Pulawski (Township) MI 261862 Y N St. Ignace (Township) MI 260444 Y N White River (Township) MI 260299 Y N Whitefish (Township) MI 260321 Y N Whitney (Township) MI 260018 Y N Duluth (City) MN 270421 Y N Gautier (City) MS 280332 Y N Hancock County (Uninc. Areas) MS 285254 Y N Harrison County (Uninc. Areas) MS 285255 Y Y Jackson County (Uninc. Areas) MS 285256 Y Y Ocean Springs (City) MS 285259 Y N Atlantic Beach (Town) NC 370044 N Y Bald Head Island (Village) NC 370442 N Y Brunswick County (Uninc. Areas) NC 370295 Y Y Carolina Beach (Town) NC 375347 Y Y Carteret County (Uninc. Areas) NC 370043 N Y Currituck County (Uninc. Areas) NC 370078 Y Y Dare County (Uninc. Areas) NC 375348 Y Y Duck (Town) NC 370632 Y N Hyde County (Uninc. Areas) NC 370133 N Y Kill Devil Hills (City) NC 375353 Y N Kure Beach (Town) NC 370170 N Y Nags Head (Town) NC 375356 Y Y New Hanover County (Uninc. Areas) NC 370168 Y Y North Topsall Beach (Town) NC 370466 Y N Onslow County (Uninc. Areas) NC 370340 Y Y Pender County (Uninc. Areas) NC 370344 Y N Pine Knoll Shores (Town) NC 370267 N Y Sunset Beach (Town) NC 375359 Y N Swansboro (City) NC 370179 N Y Wilmington (City) NC 370171 Y N Wrightsville Beach (Town) NC 375361 Y N Aberdeen (Township) NJ 340312 N Y Barnegat Light (Borough) NJ 345280 N Y Bass River (Township) NJ 340085 N Y Beach Haven (Borough) NJ 345282 N Y Berkeley (Township) NJ 340369 N Y Brick (Township) NJ 345285 Y Y Brigantine (City) NJ 345286 N Y CBRS 7 May 1, 2011 Coastal Barrier Resources System LIST OF COMMUNITIES (continued) COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) Cape May City (City) NJ 345288 N Y Dennis (Township) NJ 340552 Y Y Galloway (Township) NJ 340008 N Y Highlands (Borough) NJ 345297 N Y Keyport (Borough) NJ 340304 Y N Lacey (Township) NJ 340376 N Y Little Egg Harbor (Township) NJ 340380 N Y Long Beach (Township) NJ 345301 N Y Lower (Township) NJ 340153 N Y Mantoloking (Borough) NJ 340383 Y N Maurice River (Township) NJ 340172 Y Y Middle (Township) NJ 340154 Y Y Middletown (Township) NJ 340313 Y Y Monmouth Beach (Borough) NJ 340315 Y N North Wildwood (City) NJ 345308 Y N Ocean (Township) NJ 340518 N Y Ocean City (City) NJ 345310 N Y Old Bridge (Township) NJ 340265 Y N Port Republic (City) NJ 340016 N Y Rumson (Borough) NJ 345316 Y N Sea Bright (Borough) NJ 345317 Y Y Stafford (Township) NJ 340393 Y Y Stone Harbor (Borough) NJ 345323 Y N Union Beach (Borough) NJ 340331 Y N Upper (Township) NJ 340159 N Y West Cape May (Borough) NJ 340160 N Y Asharoken (Village) NY 365333 Y N Babylon (Town) NY 360790 Y Y Belle Terre (Village) NY 361532 Y N Brookhaven (Town) NY 365334 Y Y Brownville (Town) NY 361063 Y N Cape Vincent (Town) NY 361062 Y N East Hampton (Town) NY 360794 Y Y East Hampton (Village) NY 360795 Y N Ellisburg (Town) NY 360334 Y N Evans (Town) NY 360240 Y N Freeport (Village) NY 360464 Y N Glen Cove (City) NY 360465 N Y Head of the Harbor (Village) NY 361513 Y N Hempstead (Town) NY 360467 Y Y Henderson (Town) NY 360338 Y N Hounsfield (Town) NY 360340 Y Y Huntington (Town) NY 360796 Y Y Huntington Bay (Village) NY 361543 Y N Islip (Town) NY 365337 Y Y Lattingtown (Village) NY 360474 Y Y Lloyd Harbor (Village) NY 360799 Y Y Lyme (Town) NY 360343 Y N New Haven (Town) NY 360655 Y N New York (City) NY 360497 N Y Nissequogue (Village) NY 361510 Y N North Haven (Village) NY 360800 Y Y North Hempstead (Town) NY 360482 Y Y Ocean Beach (Village) NY 365339 N Y Old Field (Village) NY 361545 Y N Oswego (City) NY 360656 Y N CBRS 8 May 1, 2011 Coastal Barrier Resources System LIST OF COMMUNITIES (continued) COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) Oswego (Town) NY 360657 Y N Oyster Bay (Town) NY 360483 Y Y Parma (Town) NY 360425 Y N Poquott (Village) NY 361518 Y N Port Jefferson (Village) NY 360804 Y Y Richland (Town) NY 360660 Y N Riverhead (Town) NY 360805 Y Y Sagaponack (Village) NY 361487 Y N Saltaire (Village) NY 365341 N Y Sands Point (Village) NY 360492 Y Y Sandy Creek (Town) NY 360661 Y N Scriba (Town) NY 360663 Y N Shelter Island (Town) NY 360809 Y N Smithtown (Town) NY 360810 Y N Sodus (Town) NY 360898 Y N Southampton (Town) NY 365342 Y Y Southampton (Village) NY 365343 Y N Southold (Town) NY 360813 Y Y Sterling (Town) NY 360126 Y N Wolcott (Town) NY 360901 Y N Erie County (Uninc. Areas) OH 390153 Y N Grand River (Village) OH 390315 Y N Kelleys Island (Village) OH 390738 Y N Lake County (Uninc. Areas) OH 390771 Y N Mentor (City) OH 390317 Y N Ottawa County (Uninc. Areas) OH 390432 Y N Sandusky (City) OH 390156 Y N Ponce (Municipio) PR 720101 Y Y Puerto Rico (Uninc. Areas) PR 720000 Y Y Barrington (Town) RI 445392 Y N Bristol (Town) RI 445393 Y N Charlestown (Town) RI 445395 Y Y Jamestown (Town) RI 445399 Y Y Little Compton (Town) RI 440035 Y Y Middletown (Town) RI 445401 N Y Narragansett (Town) RI 445402 Y Y New Shoreham (Town) RI 440036 Y Y Newport (City) RI 445403 Y Y North Kingstown (Town) RI 445404 Y N Portsmouth (Town) RI 445405 Y Y South Kingstown (Town) RI 445407 Y Y Tiverton (Town) RI 440012 Y N Warren (Town) RI 445408 Y N Warwick (City) RI 445409 Y Y Westerly (Town) RI 445410 Y Y Awendaw (Town) SC 450262 N Y Beaufort County (Uninc. Areas) SC 450025 Y Y Briarcliffe Acres (Town) SC 450232 Y N Charleston (City) SC 455412 Y N Charleston County (Uninc. Areas) SC 455413 Y Y Colleton County (Uninc. Areas) SC 450056 Y Y Edisto Beach (Town) SC 455414 N Y Folly Beach (City) SC 455415 Y Y Georgetown County (Uninc. Areas) SC 450085 Y Y Horry County (Uninc. Areas) SC 450104 Y N CBRS 9 May 1, 2011 Coastal Barrier Resources System LIST OF COMMUNITIES (continued) COMMUNITY NAME STATE COMMUNITY NUMBER COASTAL BARRIER AREA(S) OTHERWISE PROTECTED AREA(S) Jasper County (Uninc. Areas) SC 450112 N Y Kiawah Island (Town) SC 450257 Y N McClellanville (Town) SC 450039 N Y Mount Pleasant (Town) SC 455417 Y N North Myrtle Beach (Town) SC 450110 Y N Pawleys Island (Town) SC 450255 Y N Seabrook Island (Town) SC 450256 Y N Aransas County (Uninc. Areas) TX 485452 Y Y Aransas Pass (City) TX 485453 N Y Brazoria County (Uninc. Areas) TX 485458 Y Y Calhoun County (Uninc. Areas) TX 480097 Y Y Cameron County (Uninc. Areas) TX 480101 Y Y Chambers County (Uninc. Areas) TX 480119 Y N Corpus Christi (City) TX 485464 Y Y Galveston (City) TX 485469 N Y Galveston County (Uninc. Areas) TX 485470 Y Y Jefferson County (Uninc. Areas) TX 480385 Y Y Kenedy County (Uninc. Areas) TX 481230 N Y Kleberg County (Uninc. Areas) TX 480423 Y Y Matagorda County (Uninc. Areas) TX 485489 Y Y Nueces County (Uninc. Areas) TX 485494 N Y Port Aransas (City) TX 485498 N Y Port Arthur (City) TX 485499 Y Y Quintana (Village) TX 481301 Y Y South Padre Island (Town) TX 480115 N Y Texas City (City) TX 485514 Y Y Willacy County (Uninc. Areas) TX 480664 Y Y Accomack County (Uninc. Areas) VA 510001 Y Y Cape Charles (Town) VA 510106 Y N Chincoteague (Town) VA 510002 N Y Gloucester County (Uninc. Areas) VA 510071 Y N Hampton (City) VA 515527 Y Y Lancaster County (Uninc. Areas) VA 510084 Y N Mathews County (Uninc. Areas) VA 510096 Y N Middlesex County (Uninc. Areas) VA 510098 Y N Northampton County (Uninc. Areas) VA 510105 Y Y Northumberland County (Uninc. Areas) VA 510107 Y Y Poquoson (City) VA 510183 N Y Tangier (Town) VA 510004 Y N Virginia Beach (City) VA 515531 N Y Wachapreague (Town) VA 510005 Y N Westmoreland County (Uninc. Areas) VA 510250 Y N Virgin Islands (Territory) VI 780000 Y Y Bayfield County (Uninc. Areas) WI 550539 Y N Brown County (Uninc. Areas) WI 550020 Y N Manitowoc County (Uninc. Areas) WI 550236 Y N Marinette County (Uninc. Areas) WI 550259 Y N CBRS 10 May 1, 2011 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES COMMUNITY NumberCOMMUNITY NAMECRS ENTRY DateCURRENT EFFECTIVE DATECURRENT CLASS% DISCOUNT FOR SFHA1% DISCOUNT FOR NON-SFHASTATUS2Alabama010146Athens, City of10/1/9110/1/981000R010071Atmore, City of05/1/0205/1/028105C015000Baldwin County10/1/9505/1/1262010C010116Birmingham, City of10/1/9405/1/1262010C010418Dauphin Island, Town of04/1/0104/1/018105C010176Decatur, City of10/1/9110/1/051000R015005Gulf Shores, Town of10/1/9310/1/93955C015006Homewood, City of10/1/0110/1/01955C010123Hoover, City of10/1/9110/1/91955C010153Huntsville, City of10/1/9105/1/037155C015007Mobile, City of10/1/9210/1/931000R015011Orange Beach, City of10/1/9110/1/077155C010189Pell City, City of10/1/9205/1/128105C010002Prattville, City of10/1/9105/1/088105C010070Wetumpka, City of10/1/9110/1/91955CAlaska020005Anchorage, Municipality of10/1/9510/1/0962010C020012Kenai Peninsula, Borough of04/1/0004/1/008105C020003Ketchikan Gateway Borough10/1/0510/1/05955C020069Nome, City of10/1/0510/1/078105C020113Seward, City of10/1/0510/1/107155C020094Valdez, City of10/1/9210/1/098105CArizona040013Benson, Town of10/1/9110/1/921000R040014Bisbee, City of10/1/9110/1/921000R040131Camp Verde, Town of10/1/9105/1/117155C040080Casa Grande, City of10/1/9105/1/11955C040040Chandler, City of10/1/9105/1/047155C040094Chino Valley, Town of10/1/9110/1/111000R040095Clarkdale, Town of10/1/9105/1/117155C040012Cochise County10/1/9110/1/91955C040019Coconino County 10/1/9110/1/998105C040061Dewey-Humboldt, Town of10/1/0705/1/117155C040020Flagstaff, City of10/1/9110/1/077155C040028Gila County 10/1/9110/1/921000R040044Gilbert, Town of10/1/9110/1/928105C040045Glendale, City of10/1/9105/1/107155C040067Holbrook, City of10/1/9510/1/008105C040037Maricopa County10/1/9105/1/1243010C040048Mesa, City of10/1/9104/1/981000R040058Mohave County10/1/9505/1/107155C040066Navajo County 10/1/9205/1/088105C040051Phoenix, City of10/1/9210/1/0262010C040073Pima County 10/1/9105/1/0752510C040098Prescott, City of10/1/9105/1/117155C040090Santa Cruz County10/1/0305/1/087155C045012Scottsdale, City of10/1/9110/1/0762010C040130Sedona, City of10/1/9105/1/118105C040069Show Low, City of10/1/9105/1/108105C040054Tempe, City of10/1/9105/1/127155C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones aretreated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS3 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NumberCOMMUNITY NAMECRS ENTRY DateCURRENT EFFECTIVE DATECURRENT CLASS% DISCOUNT FOR SFHA1% DISCOUNT FOR NON-SFHASTATUS2Arizona (continued) 040076Tucson, City of10/1/9110/1/0762010C040056Wickenburg, Town of10/1/9210/1/071000R040031Winkelman, Town of10/1/9110/1/951000R040093Yavapai County10/1/9110/1/077155CArkansas050029Arkadelphia, City of10/1/9110/1/058105C050192Benton, City of10/1/9310/1/93955C050419Benton County05/1/0505/1/058105C050012Bentonville, City of10/1/9210/1/028105C050140Blytheville, City of10/1/9510/1/95955C050046Bono, City of10/1/9205/1/028105C050308Bryant, City of10/1/9210/1/92955C050433Garland County 10/1/9310/1/93955C050168Helena, City of10/1/9310/1/991000R050084Hot Springs, City of10/1/9310/1/068105C050180Jacksonville, City of10/1/9410/1/048105C050048Jonesboro, City of10/1/9210/1/92955C050181Little Rock, City of10/1/9110/1/117155C050088Malvern, City of10/1/9110/1/961000R050109Pine Bluff, City of10/1/9410/1/951000R050053Van Buren, City of05/1/0905/1/09955C050055West Memphis, City of10/1/9205/1/127155CCalifornia060001Alameda County10/1/9210/1/997155C060213Anaheim, City of10/1/9105/1/078105C065019Burlingame, City of05/1/1205/1/12955C060714Clearlake, City of05/1/0310/1/081000R065022Concord, City of10/1/0810/1/088105C060025Contra Costa County10/1/9104/1/0162010C065023Corte Madera, Town of10/1/0310/1/097155C060339Cupertino, City of10/1/0510/1/058105C060708East Palo Alto, City of10/1/1110/1/118105C060370Fairfield, City of10/1/9205/1/097155C060218Fountain Valley, City of10/1/9604/1/988105C065028Fremont, City of04/1/0104/1/017155C060048Fresno, City of10/1/9210/1/078105C065029Fresno County10/1/9110/1/1162010C060340Gilroy, City of05/1/0705/1/078105C065034Huntington Beach, City of10/1/9510/1/007155C060222Irvine, City of10/1/9105/1/028105C060075Kern County10/1/9105/1/088105C060090Lake County 10/1/9510/1/107155C060636Lake Elsinore, City of10/1/0910/1/09955C060738Lathrop, City of10/1/0810/1/088105C060395Live Oak, City of10/1/1110/1/11955C060136Long Beach, City of10/1/9305/1/087155C060341Los Altos, City of10/1/9110/1/968105C060137Los Angeles, City of10/1/9110/1/057155C065043Los Angeles County10/1/9105/1/117155C060706Manteca, City of05/1/0905/1/09955C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones are treated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS4 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NumberCOMMUNITY NAMECRS ENTRY DateCURRENT EFFECTIVE DATECURRENT CLASS% DISCOUNT FOR SFHA1% DISCOUNT FOR NON-SFHASTATUS2California (continued) 060344Milpitas, City of10/1/9105/1/0762010C060735Mission Viejo, City of10/1/0505/1/108105C060195Monterey County 10/1/9105/1/0752510C065074Moreno Valley, City of10/1/9110/01/968105C060346Morgan Hill, City of05/1/0305/1/037155C060347Mountain View, City of05/1/0205/1/088105C060751Murrieta, City of10/1/9710/1/97955C060207Napa, City of04/1/0110/1/1062010C060227Newport Beach, City of10/1/9305/1/088105C060178Novato, City of10/1/9505/1/1062010C060294Oceanside, City of10/1/9110/1/968105C060228Orange, City of10/1/9205/1/08955C060212Orange County 10/1/9105/1/087155C060257Palm Springs, City of10/1/9205/1/1162010C060348Palo Alto, City of10/1/9110/1/017155C060379Petaluma, City of10/1/9110/1/9662010C060239Placer County10/1/9105/1/0952510C060034Pleasant Hill, City of 05/1/0305/1/088105C060012Pleasanton, City of10/1/9210/1/978105C060702Poway, City of05/1/0805/1/088105C060360Redding, City of10/1/9605/1/0862010C060279Redlands, City of10/1/0710/1/07955C060035Richmond, City of10/1/9510/1/95955C060245Riverside County10/1/1010/1/10955C060243Roseville, City of10/1/9210/1/0614510C060266Sacramento, City of10/1/9110/1/0852510C060262Sacramento County 10/1/9205/1/1043010C060202Salinas, City of10/1/9110/1/027155C060284San Diego County 10/1/9405/1/107155C060299San Joaquin County10/1/9305/1/0362010C060349San Jose, City of10/1/9110/1/017155C060231San Juan Capistrano, City of10/1/9105/1/12955C060013San Leandro, City of10/1/0610/1/068105C060310San Luis Obispo, City of10/1/9110/1/117155C060311San Mateo County10/1/1010/1/10955C060710San Ramon, City of10/1/9105/1/1162010C060331Santa Barbara County 10/1/9105/1/0662010C060350Santa Clara, City of05/1/0205/1/088105C060337Santa Clara County05/1/0405/1/091000R060729Santa Clarita, City of10/1/0110/1/098105C060355Santa Cruz, City of10/1/9205/1/027155C060421Simi Valley, City of10/1/9310/1/097155C060631Solano County 10/1/9110/1/077155C060375Sonoma County 10/1/9110/1/921000R060302Stockton, City of10/1/9610/1/978105C060352Sunnyvale, City of10/1/9805/1/097155C060394Sutter County10/1/0810/1/1062010C060400Tehema, City of10/1/0310/1/0862010C060401Trinity County05/1/1105/1/11955C060373Vacaville, City of10/1/9510/1/008105C060413Ventura County10/1/1110/1/1162010C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones aretreated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS5 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NumberCOMMUNITY NAMECRS ENTRY DateCURRENT EFFECTIVE DATECURRENT CLASS% DISCOUNT FOR SFHA1% DISCOUNT FOR NON-SFHASTATUS2California (continued) 060409Visalia, City of10/1/1110/1/11955C065070Walnut Creek, City of10/1/9105/1/118105C060357Watsonville, City of10/1/9210/1/027155C060728West Sacramento, City of10/1/1110/1/118105C060238Yorba Linda, City of10/1/9310/1/041000R060423Yolo County10/1/1010/1/108105C060396Yuba City, City of10/1/0710/1/1162010C060427Yuba County10/1/0305/1/097155C060739Yucaipa, City of10/1/1110/1/11955CColorado080001Adams County 10/1/9310/1/031000R080010Alamosa, City of10/1/9110/1/91955C080009Alamosa County10/1/9610/1/111000R080011Arapahoe County 10/1/9110/1/928105C080273Archuleta County10/1/9210/1/981000R085072Arvada, City of10/1/9105/1/1052510C080002Aurora, City of10/1/9205/1/088105C080024Boulder, City of10/1/9210/1/087155C080023Boulder County 10/1/9110/1/067155C080130Brush, City of10/1/9410/1/94955C080068Canon City, City of10/1/9205/1/08955C080315Centennial, City of05/1/1005/1/108105C080013Cherry Hills Village, City of10/1/9610/1/018105C080060Colorado Springs, City of10/1/9210/1/107155C080043Delta, City of10/1/9610/1/007155C080046Denver, City and County of10/1/9605/1/068105C080049Douglas County10/1/9610/1/108105C080099Durango, City of10/1/9210/1/92955C080051Eagle County10/1/0810/1/088105C080059El Paso County10/1/9210/1/107155C085074Englewood, City of10/1/9510/1/117155C080102Fort Collins, City of10/1/9110/1/0143010C080061Fountain, City of10/1/9210/1/107155C080067Fremont County 10/1/9305/1/08955C080245Frisco, Town of10/1/9310/1/988105C080090Golden, City of10/1/9605/1/117155C080062Green Mountain Falls, Town of10/1/0310/1/107155C080080Gunnison, City of10/1/9510/1/95955C080078Gunnison County 10/1/9410/1/098105C080087Jefferson County10/1/0510/1/1062010C085075Lakewood, City of10/1/9110/1/0562010C080101Larimer County 10/1/9210/1/971000R080017Littleton, City of10/1/9210/1/977155C080027Longmont, City of10/1/9210/1/978105C085076Louisville, City of10/1/9110/1/058105C080103Loveland, City of10/1/1010/1/107155C080063Manitou Springs, City of10/1/9210/1/107155C080115Mesa County05/1/0605/1/06955C080064Monument, Town of10/1/0310/1/107155C080092Morrison, Town of10/1/9610/1/96955C080065Palmer Lake, Town of10/1/0310/1/107155C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones are treated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS6 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NumberCOMMUNITY NAMECRS ENTRY DateCURRENT EFFECTIVE DATECURRENT CLASS% DISCOUNT FOR SFHA1% DISCOUNT FOR NON-SFHASTATUS2Colorado (continued) 080310Parker, Town of10/1/9205/1/0762010C080287Pitkin County10/1/9210/1/978105C080153Rio Grande County 10/1/9210/1/971000R080018Sheridan, City of10/1/9310/1/031000R080201Silverthorne, Town of10/1/9610/1/96955C080159Steamboat Springs, Town of10/1/9305/1/108105C080168Telluride, Town of10/1/9410/1/058105C080007Thornton, City of10/1/9410/1/067155C080054Vail, Town of10/1/9110/1/017155C080008Westminster, City of10/1/9110/1/118105C085079Wheat Ridge, City of10/1/9110/1/1162010CConnecticut090074Cheshire, Town of10/1/9310/1/031000R090076East Haven, Town of10/1/0310/1/101000R090096East Lyme, Town of10/1/9110/1/91955C090078Hamden, Town of10/1/9310/1/061000R090082Milford, City of05/1/1205/1/12955C090011Newtown, Town of10/1/9110/1/91955C090012Norwalk, City of10/1/9310/1/981000R090015Stamford, City of10/1/0210/1/027155C090193Stonington, Borough of10/1/0410/1/04955C090106Stonington, Town of05/1/0405/1/04955C095082West Hartford, Town of10/1/9110/1/078105C090070Westbrook, Town of05/1/0505/1/111000R090019Westport, Town of10/1/9510/1/008105CDelaware105083Bethany Beach, Town of05/1/0905/1/098105C100056Dewey Beach, Town of10/1/9410/1/998105C105084Fenwick Island, Town of10/1/9410/1/048105C100041Lewes, City of10/1/9210/1/92955C100026New Castle, City of10/1/9410/1/998105C100025Newark, City of10/1/9210/1/017155C105086Rehoboth Beach, City of10/1/9410/1/958105C100048Seaford, City of10/1/9610/1/96955C100051South Bethany, Town of10/1/0710/1/078105CFlorida120001Alachua County10/1/9505/1/1262010C120290Altamonte Springs, City of10/1/9410/1/968105C125087Anna Maria, City of10/1/9110/1/0752510C120180Apopka, City of10/1/9310/1/077155C120075Atlantic Beach, City of10/1/0505/1/107155C120193Atlantis, City of10/1/9205/1/088105C120676Aventura, City of10/1/0005/1/057155C120419Baker County10/1/0110/1/018105C120636Bal Harbour, Village of10/1/9610/1/978105C120004Bay County10/1/9310/1/0852510C120637Bay Harbor Islands, Town of10/1/9410/1/997155C125089Belleair Beach, City of10/1/9210/1/017155C120195Boca Raton, City of10/1/9205/1/088105C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones aretreated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS7 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NumberCOMMUNITY NAMECRS ENTRY DateCURRENT EFFECTIVE DATECURRENT CLASS% DISCOUNT FOR SFHA1% DISCOUNT FOR NON-SFHASTATUS2Florida (continued) 120680Bonita Springs, City of05/1/0610/1/1162010C120196Boynton Beach, City of10/1/9110/1/107155C120155Bradenton, City of10/1/9105/1/1162010C125091Bradenton Beach, City of10/1/9105/1/0862010C125092Brevard County 10/1/9110/1/067155C125093Broward County10/1/9205/1/127155C120005Callaway, City of10/1/9305/1/088105C125094Cape Canaveral, City of10/1/9305/1/088105C125095Cape Coral, City of10/1/9105/1/1052510C120090Carrabelle, City of10/1/9310/1/93955C120061Charlotte County 10/1/9205/1/0452510C120063Citrus County10/1/0110/1/1162010C120064Clay County 10/1/9610/1/057155C125096Clearwater, City of10/1/9110/1/007155C120198Cloud Lake, Town of10/1/9410/1/107155C120020Cocoa, City of10/1/9410/1/041000R125097Cocoa Beach, City of10/1/9410/1/041000R120031Coconut Creek, City of10/1/9210/1/017155C120067Collier County 10/1/9205/1/1062010C120070Columbia County10/1/9610/1/058105C120032Cooper City, City of10/1/9205/1/097155C120639Coral Gables, City of10/1/9310/1/988105C120033Coral Springs, City of10/1/9210/1/948105C120218Cutler Bay, Town of05/1/1105/1/1162010C120034Dania Beach, City of10/1/9310/1/93955C120035Davie, Town of10/1/9410/1/057155C125099Daytona Beach, City of10/1/9410/1/0862010C125100Daytona Beach Shores, City of10/1/9205/1/077155C125101Deerfield Beach, City of10/1/9205/1/117155C125102Delray Beach, City of10/1/9410/1/94955C125158Destin, City of10/1/9405/1/1062010C120041Doral, City of05/1/0905/1/098105C125103Dunedin, City of10/1/9210/1/1162010C120308Edgewater, City of10/1/9210/1/978105C120080Escambia County10/1/9105/1/1162010C120146Fanning Springs, Town of10/1/9310/1/088105C120120Fellsmere, City of10/1/9910/1/04955C120172Fernandina Beach, City of10/1/9210/1/027155C120087Flagler Beach, City of10/1/9505/1/1262010C125105Fort Lauderdale, City of10/1/9205/1/087155C125106Fort Myers, City of10/1/9310/1/988105C120673Fort Myers Beach, Town of10/1/9910/1/997155C120286Fort Pierce, City of10/1/9205/1/1262010C120174Fort Walton Beach, City of10/1/9205/1/1262010C120088Franklin County 10/1/9310/1/028105C125107Gainesville, City of10/1/9210/1/067155C120200Glen Ridge, Town of10/1/9410/1/061000R120642Golden Beach, Town of10/1/9310/1/021000R120275Gulf Breeze, City of10/1/9305/1/088105C120098Gulf County 10/1/9305/1/078105C125109Gulf Stream, Town of10/1/9905/1/097155C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones are treated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS8 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NumberCOMMUNITY NAMECRS ENTRY DateCURRENT EFFECTIVE DATECURRENT CLASS% DISCOUNT FOR SFHA1% DISCOUNT FOR NON-SFHASTATUS2Florida (continued) 125108Gulfport, City of10/1/9310/1/037155C125110Hallandale Beach, City of10/1/9410/1/0862010C120103Hardee County10/1/9605/1/041000R120107Hendry County10/1/0010/1/008105C120110Hernando County 10/1/9210/1/1062010C120643Hialeah, City of10/1/9305/1/087155C125111Highland Beach, Town of10/1/9310/1/93955C120111Highlands County 10/1/9410/1/048105C120040Hillsboro Beach, Town of10/1/9410/1/098105C120112Hillsborough County10/1/9210/1/0752510C125112Holly Hill, City of10/1/9410/1/098105C125113Hollywood, City of10/1/9205/1/1262010C125114Holmes Beach, City of10/1/9105/1/1162010C120645Homestead, City of05/1/0605/1/068105C120207Hypoluxo, Town of10/1/9410/1/968105C120119Indian River County 10/1/9210/1/0762010C120121Indian River Shores, Town of10/1/9410/1097155C125117Indian Rocks Beach, City of10/1/9210/1/117155C125118Indian Shores, Town of10/1/9310/1/0562010C120125Jackson County10/1/0205/1/078105C120077Jacksonville, City of10/1/9105/1/1062010C120078Jacksonville Beach, City of10/1/9210/1/028105C120331Jefferson County 10/1/9610/1/118105C120208Juno Beach, Town of10/1/9310/1/0752510C125119Jupiter, Town of10/1/9410/1/1162010C120162Jupiter Island, Town of10/1/9510/1/008105C120245Kenneth City, Town of10/1/9205/1/068105C120648Key Biscayne, Village of04/1/9810/1/077155C125121Key Colony Beach, City of10/1/9205/1/088105C120168Key West, City of10/1/9210/1/991000R120190Kissimmee, City of10/1/9605/1/107155C120211Lake Clarke Shores, Town of10/1/9410/1098105C120421Lake County 10/1/9405/1/097155C120416Lake Mary, City of10/1/0910/1/098105C120212Lake Park, Town of10/1/9205/1/108105C120213Lake Worth, City of10/1/9610/1/108105C120267Lakeland, City of10/1/0410/1097155C120214Lantana, Town of10/1/9410/1/94955C125122Largo, City of10/1/9210/1/0862010C125123Lauderdale by the Sea, Town of 04/1/0010/1/107155C120044Lauderhill, City of10/1/9205/1/08955C120169Layton, City of10/1/0105/1/088105C125124Lee County10/1/9110/1/0752510C120145Levy County 10/1/9410/1/097155C125125Lighthouse Point, City of10/1/9305/1/097155C125126Longboat Key, Town of10/1/9110/1/0562010C120292Longwood, City of10/1/9610/1/101000R120009Lynn Haven, City of10/1/9205/1/078105C125127Madeira Beach, City of10/1/9205/1/1162010C120149Madison County10/1/9410/1/008105C120215Manalapan, Town of10/1/9205/1/08955C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones aretreated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS9 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NUMber COMMUNITY NAMe CrS eNTrY DATe CUrreNT eFFeCTIVe DATe CUrreNT CLASS % DISCOUNT FOr SFHA1 % DISCOUNT FOr NON-SFHA STATUS2 Florida(continued) 120153 Manatee County 10/1/91 10/1/10 5 25 10 C 120216 Mangonia Park, Town of 10/1/94 10/1/10 8 10 5 C 120426 Marco Island, City of 10/1/00 10/1/05 6 20 10 C 120047 Margate, City of 10/1/92 05/1/11 7 15 5 C 120160 Marion County 10/1/94 10/1/09 7 15 5 C 120161 Martin County 10/1/92 10/1/00 7 15 5 C 120337 Mary Esther, City of 10/1/07 05/1/12 7 15 5 C 120025 Melbourne, City of 10/1/93 05/1/08 8 10 5 C 120650 Miami, City of 10/1/94 05/1/10 7 15 5 C 120635 Miami-Dade County 10/1/94 10/1/03 5 25 10 C 120651 Miami Beach, City of 10/1/96 05/1/12 6 20 10 C 120345 Miami Gardens, City of 05/1/09 05/1/10 6 20 10 C 120686 Miami Lakes, Town of 10/1/06 10/1/11 5 25 10 C 120652 Miami Shores Village, Village of 10/1/00 10/1/00 8 10 5 C 120276 Milton, City of 10/1/07 05/1/12 6 20 10 C 120048 Miramar, City of 10/1/93 10/1/94 8 10 5 C 125129 Monroe County 10/1/91 05/1/97 10 0 0 R 125130 Naples, City of 10/1/92 10/1/02 6 20 10 C 120079 Neptune Beach, City of 10/1/94 10/1/04 8 10 5 C 120232 New Port Richey, City of 10/1/93 05/1/12 6 20 10 C 125132 New Smyrna Beach, City of 10/1/91 10/1/00 7 15 5 C 120338 Niceville, City of 10/1/93 10/1/09 7 15 5 C 120049 North Lauderdale, City of 10/1/93 05/1/12 10 0 0 R 120655 North Miami, City of 10/1/94 10/1/01 5 25 10 C 120656 North Miami Beach, City of 10/1/93 05/1/11 7 15 5 C 120217 North Palm Beach, Village of 10/1/94 05/1/09 7 15 5 C 120279 North Port, City of 10/1/92 05/1/12 6 20 10 C 125133 North Redington Beach, Town of 10/1/92 05/1/08 8 10 5 C 120050 Oakland Park, City of 10/1/94 10/1/09 7 15 5 C 120330 Ocala, City of 10/1/91 10/1/01 8 10 5 C 125134 Ocean Ridge, Town of 10/1/92 05/1/09 7 15 5 C 120173 Okaloosa County 10/1/95 10/1/10 5 25 10 C 120177 Okeechobee County 10/1/96 10/1/00 8 10 5 C 120250 Oldsmar, City of 10/1/92 05/1/06 6 20 10 C 120179 Orange County 10/1/91 05/1/08 5 25 10 C 120186 Orlando, City of 10/1/93 05/1/08 6 20 10 C 125136 Ormond Beach, City of 10/1/92 05/1/12 6 20 10 C 120189 Osceola County 10/1/94 10/1/03 7 15 5 C 120293 Oviedo, City of 10/1/08 10/1/08 8 10 5 C 120404 Palm Bay, City of 10/1/93 05/1/12 6 20 10 C 120220 Palm Beach, Town of 10/1/92 05/1/08 7 15 5 C 120192 Palm Beach County 10/1/91 10/1/11 5 25 10 C 120221 Palm Beach Gardens, City of 10/1/03 05/1/12 8 10 5 C 125137 Palm Beach Shores, Town of 10/1/94 10/1/94 9 5 5 C 120684 Palm Coast, City of 05/1/04 05/1/09 6 20 10 C 120223 Palm Springs, Village of 10/1/92 05/1/08 8 10 5 C 120159 Palmetto, City of 10/1/91 10/1/93 8 10 5 C 120012 Panama City, City of 10/1/93 10/1/02 7 15 5 C 120011 Parker, City of 10/1/94 05/1/08 8 10 5 C 120230 Pasco County 10/1/92 10/1/07 7 15 5 C 120053 Pembroke Pines, City of 10/1/94 10/1/98 7 15 5 C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones are treated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS10 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NUMber COMMUNITY NAMe CrS eNTrY DATe CUrreNT eFFeCTIVe DATe CUrreNT CLASS % DISCOUNT FOr SFHA1 % DISCOUNT FOr NON-SFHA STATUS2 Florida(continued) 120082 Pensacola, City of 10/1/02 10/1/11 8 10 5 C 125138 Pensacola Beach–Santa Rosa Island Authority 10/1/91 10/1/11 7 15 5 C 125139 Pinellas County 10/1/93 10/1/10 7 15 5 C 120251 Pinellas Park, City of 10/1/91 05/1/09 6 20 10 C 120054 Plantation, City of 10/1/92 05/1/12 6 20 10 C 120261 Polk County 10/1/92 10/1/11 6 20 10 C 120055 Pompano Beach, City of 10/1/93 05/1/12 7 15 5 C 120312 Ponce Inlet, Town of 05/1/04 05/1/09 6 20 10 C 120313 Port Orange, City of 10/1/92 05/1/03 7 15 5 C 120234 Port Richey, City of 10/1/92 10/1/07 7 15 5 C 120099 Port St. Joe, City of 10/1/94 10/1/09 10 0 0 R 120287 Port St. Lucie, City of 10/1/91 10/1/96 8 10 5 C 120062 Punta Gorda, City of 10/1/92 10/1/02 6 20 10 C 125140 Redington Beach, Town of 10/1/93 05/1/08 8 10 5 C 125141 Redington Shores, Town of 10/1/92 05/1/11 7 15 5 C 120027 Rockledge, City of 10/1/91 10/1/96 8 10 5 C 125143 Safety Harbor, City of 10/1/92 10/1/96 8 10 5 C 120402 Sanibel, City of 10/1/91 10/1/96 5 25 10 C 120274 Santa Rosa County 10/1/93 10/1/11 5 25 10 C 125150 Sarasota, City of 10/1/91 10/1/10 6 20 10 C 125144 Sarasota County 10/1/92 05/1/07 5 25 10 C 120028 Satellite Beach, City of 10/1/92 05/1/12 8 10 5 C 120123 Sebastian, City of 10/1/92 10/1/10 7 15 5 C 120289 Seminole County 10/1/91 05/1/11 6 20 10 C 120164 Sewall’s Point, Town of 10/1/96 05/1/10 7 15 5 C 120579 Shalimar, Town of 10/1/95 10/1/00 8 10 5 C 120314 South Daytona, City of 10/1/92 10/1/02 7 15 5 C 120658 South Miami, City of 10/1/93 10/1/95 8 10 5 C 120227 South Palm Beach, Town of 10/1/93 10/1/08 8 10 5 C 125151 South Pasadena, City of 10/1/92 10/1/98 8 10 5 C 125145 St. Augustine, City of 10/1/92 10/1/11 7 15 5 C 125146 St. Augustine Beach, City of 10/1/93 05/1/08 8 10 5 C 120191 St. Cloud, City of 10/1/93 05/1/08 8 10 5 C 125147 St. Johns County 10/1/95 05/1/07 6 20 10 C 120285 St. Lucie County 10/1/94 05/1/09 6 20 10 C 120316 St. Marks, Town of 10/1/93 10/1/08 8 10 5 C 125149 St. Pete Beach, City of 10/1/91 05/1/12 7 15 5 C 125148 St. Petersburg, City of 10/1/92 10/1/09 6 20 10 C 120296 Sumter County 10/1/95 05/1/10 7 15 5 C 120688 Sunny Isles Beach, City of 10/1/07 10/1/07 8 10 5 C 120328 Sunrise, City of 10/1/92 10/1/02 7 15 5 C 120659 Surfside, Town of 10/1/93 10/1/08 10 0 0 R 120300 Suwannee County 10/1/96 10/1/00 8 10 5 C 120144 Tallahassee, City of 10/1/94 10/1/06 6 20 10 C 120058 Tamarac, City of 10/1/92 10/1/11 6 20 10 C 120114 Tampa, City of 10/1/91 05/1/09 6 20 10 C 120259 Tarpon Springs, City of 10/1/92 05/1/12 7 15 5 C 120302 Taylor County 10/1/96 10/1/11 7 15 5 C 120115 Temple Terrace, City of 10/1/93 10/1/03 8 10 5 C 120228 Tequesta, Village of 10/1/92 05/1/09 8 10 5 C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones aretreated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS11 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NUMber COMMUNITY NAMe CrS eNTrY DATe CUrreNT eFFeCTIVe DATe CUrreNT CLASS % DISCOUNT FOr SFHA1 % DISCOUNT FOr NON-SFHA STATUS2 Florida(continued) 125152 Titusville, City of 10/1/92 05/1/11 7 15 5 C 125153 Treasure Island, City of 10/1/92 05/1/12 6 20 10 C 125154 Venice, City of 10/1/91 10/1/05 6 20 10 C 120124 Vero Beach, City of 10/1/93 05/1/09 7 15 5 C 125155 Volusia County 10/1/93 10/1/08 6 20 10 C 120315 Wakulla County 10/1/93 10/1/08 7 15 5 C 125157 Wellington, Village of 10/1/03 10/1/08 7 15 5 C 120229 West Palm Beach, City of 10/1/92 10/1/06 6 20 10 C 120678 Weston, City of 05/1/09 05/1/09 8 10 5 C 120295 Winter Springs, City of 10/1/93 05/1/08 7 15 5 C 120147 Yankeetown, Town of Georgia 10/1/94 10/1/08 6 20 10 C 130075 Albany, City of 10/1/94 05/1/10 8 10 5 C 130093 Brunswick, City of 10/1/93 10/1/93 9 5 5 C 130209 Cartersville, City of 05/1/05 05/1/05 9 5 5 C 130030 Chatham County 10/1/91 10/1/09 6 20 10 C 130424 Cherokee County 05/1/05 05/1/05 8 10 5 C 130052 Cobb County 10/1/91 10/1/97 8 10 5 C 130086 College Park, City of 10/1/92 10/1/02 6 20 10 C 130059 Columbia County 04/1/99 05/1/10 7 15 5 C 135158 Columbus, City of 10/1/91 10/1/93 8 10 5 C 130144 Covington, City of 10/1/93 10/1/93 9 5 5 C 130298 Coweta County 05/1/12 05/1/12 8 10 5 C 130504 Crisp County 05/1/05 05/1/05 9 5 5 C 135159 Decatur, City of 10/1/93 05/1/10 6 20 10 C 130065 Dekalb County 10/1/92 10/1/08 7 15 5 C 130074 Dougherty County 10/1/93 05/1/10 6 20 10 C 130216 Douglas, City of 05/1/11 05/1/11 9 5 5 C 130306 Douglas County 10/1/95 10/1/00 8 10 5 C 130098 Duluth, City of 10/1/97 10/1/08 8 10 5 C 130432 Fayette County 05/1/04 10/1/09 6 20 10 C 130431 Fayetteville, City of 05/1/06 10/1/11 7 15 5 C 130042 Forest Park, City of 05/1/12 05/1/12 9 5 5 C 135160 Fulton County 04/1/00 10/1/10 8 10 5 C 130092 Glynn County 10/1/92 10/1/96 8 10 5 C 130165 Griffin, City of 10/1/08 05/1/11 5 25 10 C 130322 Gwinnett County 10/1/94 05/1/04 8 10 5 C 130468 Henry County 05/1/12 05/1/12 8 10 5 C 130201 Jekyll Island, State Park Auth 10/1/93 05/1/06 6 20 10 C 130044 Lake City, City of 05/1/12 05/1/12 9 5 5 C 130045 Morrow, City of 05/1/12 05/1/12 9 5 5 C 130147 Paulding County 10/1/91 10/1/96 10 0 0 R 130078 Peachtree City, City of 10/1/93 10/1/03 7 15 5 C 130261 Pooler, Town of 10/1/93 10/1/10 7 15 5 C 130088 Roswell, City of 10/1/91 10/1/96 7 15 5 C 135163 Savannah, City of 10/1/92 10/1/10 6 20 10 C 130171 Tifton, City of 10/1/08 10/1/08 8 10 5 C 135164 Tybee Island, City of 10/1/93 10/1/07 7 15 5 C 130025 Waynesboro, City of 10/1/91 10/1/97 10 0 0 R 130196 Worth County 05/1/03 05/1/03 9 5 5 C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones are treated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS12 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NUMber COMMUNITY NAMe CrS eNTrY DATe CUrreNT eFFeCTIVe DATe CUrreNT CLASS % DISCOUNT FOr SFHA1 % DISCOUNT FOr NON-SFHA STATUS2 Hawaii 155166 Hawaii County 05/1/11 05/1/11 8 10 5 C 150003 Maui County Idaho 10/1/95 10/1/00 8 10 5 C 160001 Ada County 10/1/94 10/1/99 7 15 5 C 160009 Bannock County 10/1/94 10/1/99 8 10 5 C 165167 Blaine County 10/1/94 10/1/99 8 10 5 C 160002 Boise, City of 10/1/91 04/1/01 6 20 10 C 160206 Bonner County 10/1/05 05/1/11 8 10 5 C 160209 Caribou County 05/1/06 05/1/06 9 5 5 C 160003 Eagle, City of 04/1/00 04/1/00 6 20 10 C 160212 Elmore County 10/1/94 10/1/09 9 5 5 C 160004 Garden City, City of 10/1/98 10/1/08 9 5 5 C 160127 Gem County 05/1/08 05/1/08 9 5 5 C 160022 Hailey, City of 10/1/92 10/1/97 8 10 5 C 160131 Kellogg, City of 10/1/92 10/1/07 9 5 5 C 160023 Ketchum, City of 10/1/92 10/1/09 8 10 5 C 160076 Kootenai County 10/1/92 10/1/08 10 0 0 R 160090 Moscow, City of 10/1/94 10/1/09 7 15 5 C 160058 Mountain Home, City of 10/1/94 10/1/99 8 10 5 C 160101 Nez Perce County 10/1/01 10/1/11 9 5 5 C 160012 Pocatello, City of 10/1/94 10/1/99 8 10 5 C 160114 Shoshone County 10/1/94 10/1/09 8 10 5 C 160024 Sun Valley, City of 10/1/94 10/1/99 8 10 5 C 160120 Twin Falls, City of 10/1/94 05/1/09 8 10 5 C 160220 Valley County Illinois 10/1/94 10/1/99 7 15 5 C 170001 Adams County 10/1/96 10/1/01 8 10 5 C 170198 Addison, Village of 10/1/91 05/1/12 6 20 10 C 170059 Bartlett, Village of 10/1/91 05/1/04 7 15 5 C 170072 Calumet City, City of 10/1/00 05/1/03 6 20 10 C 170298 Carbondale, City of 10/1/02 10/1/08 10 0 0 R 170322 Carpentersville, Village of 10/1/06 10/1/11 6 20 10 C 170026 Champaign, City of 05/1/11 05/1/11 8 10 5 C 170078 Country Club Hills, City of 10/1/93 10/1/94 8 10 5 C 170476 Crystal Lake, City of 05/1/12 05/1/12 6 20 10 C 170361 Deerfield, Village of 10/1/95 05/1/08 6 20 10 C 170182 DeKalb, City of 05/1/05 05/1/05 8 10 5 C 170081 Des Plaines, City of 10/1/93 10/1/03 7 15 5 C 170204 Downers Grove, Village of 10/1/91 05/1/11 7 15 5 C 170091 Flossmoor, Village of 10/1/93 05/1/08 8 10 5 C 170207 Glen Ellyn, Village of 10/1/11 10/1/11 8 10 5 C 170206 Glendale Heights, Village of 10/1/94 05/1/09 6 20 10 C 170096 Glenview, Village of 10/1/11 10/1/11 6 20 10 C 170365 Gurnee, Village of 10/1/11 10/1/11 8 10 5 C 170327 Hampshire, Village of 05/1/11 05/1/11 7 15 5 C 170107 Hoffman Estates, Village of 10/1/92 10/1/02 7 15 5 C 170312 Jersey County 05/1/09 10/1/10 6 20 10 C 170357 Lake County 10/1/08 10/1/11 6 20 10 C 170481 Lake in the Hills, Village of 05/1/08 10/1/11 6 20 10 C 170400 LaSalle County 05/1/05 10/1/09 8 10 5 C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones aretreated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS13 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NUMber COMMUNITY NAMe CrS eNTrY DATe CUrreNT eFFeCTIVe DATe CUrreNT CLASS % DISCOUNT FOr SFHA1 % DISCOUNT FOr NON-SFHA STATUS2 Illinois(continued) 170116 Lansing, Village of 10/1/93 10/1/01 7 15 5 C 170378 Lincolnshire, Village of 10/1/93 10/1/03 5 25 10 C 170211 Lisle, Village of 10/1/91 10/1/08 6 20 10 C 170732 McHenry County 10/1/11 10/1/11 8 10 5 C 170591 Moline, City of 10/1/10 10/1/10 8 10 5 C 170129 Mount Prospect, Village of 10/1/91 10/1/02 7 15 5 C 170213 Naperville, City of 10/1/91 10/1/97 10 0 0 R 170822 North Utica, Village of 05/1/05 10/1/09 10 0 0 R 170132 Northbrook, Village of 10/1/94 05/1/04 7 15 5 C 170214 Oak Brook, Village of 10/1/92 10/1/97 7 15 5 C 170172 Orland Hills, Village of 10/1/96 10/1/02 5 25 10 C 170405 Ottawa, City of 10/1/10 10/1/10 5 25 10 C 175170 Palatine, Village of 10/1/94 05/1/04 7 15 5 C 170533 Peoria County 10/1/92 05/1/09 5 25 10 C 170919 Prospect Heights, City of 10/1/94 05/1/04 8 10 5 C 170151 River Forest, Village of 05/1/12 05/1/12 7 15 5 C 170387 Riverwoods, Village of 05/1/07 05/1/07 8 10 5 C 170582 Rock Island County 10/1/06 10/1/06 7 15 5 C 170448 Roxana, Village of 10/1/11 10/1/11 8 10 5 C 170912 Sangamon County 04/1/00 04/1/00 8 10 5 C 170163 South Holland, Village of 10/1/92 10/1/02 5 25 10 C 170330 St. Charles, City of 10/1/94 10/1/11 5 25 10 C 170333 Sugar Grove, Village of 10/1/06 10/1/11 6 20 10 C 170191 Sycamore, City of 05/1/12 05/1/12 7 15 5 C 170169 Tinley Park, City of 10/1/05 10/1/11 6 20 10 C 170173 Wheeling, Village of 10/1/91 05/1/07 7 15 5 C 170687 Whiteside County 10/1/07 10/1/07 8 10 5 C 170222 Willowbrook, Village of 10/1/91 05/1/12 6 20 10 C 170224 Wood Dale, City of 10/1/99 10/1/04 5 25 10 C 170488 Woodstock, City of Indiana 05/1/11 05/1/11 7 15 5 C 180302 Allen County 10/1/02 10/1/09 8 10 5 C 180150 Anderson, City of 05/1/07 05/1/07 8 10 5 C 180006 Bartholomew County 10/1/93 10/109 8 10 5 C 180007 Columbus, City of 10/1/98 10/1/09 8 10 5 C 180001 Decatur, City of 10/1/93 05/1/08 8 10 5 C 180257 Evansville, City of 10/1/99 10/1/04 8 10 5 C 180003 Fort Wayne, City of 10/1/91 05/1/07 8 10 5 C 180080 Hamilton County 10/1/91 05/1/04 7 15 5 C 180419 Hancock County 10/1/03 10/1/06 8 10 5 C 180415 Hendricks County 05/1/12 05/1/12 8 10 5 C 180159 Indianapolis, City of 10/1/07 10/1/07 8 10 5 C 180093 Kokomo, City of 10/1/95 10/1/96 8 10 5 C 180121 Kosciusko, County of 10/1/97 05/1/08 9 5 5 C 180382 Milford Junction, City of 10/1/97 05/1/08 8 10 5 C 180082 Noblesville, City of 10/1/91 10/1/09 8 10 5 C 180465 North Webster, City of 10/1/97 05/1/08 8 10 5 C 180122 Syracuse, City of 10/1/97 05/1/08 8 10 5 C 180256 Vanderburgh County 04/1/99 04/1/99 8 10 5 C 180263 Vigo County 10/1/95 10/1/05 10 0 0 R 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones are treated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS14 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NUMber COMMUNITY NAMe CrS eNTrY DATe CUrreNT eFFeCTIVe DATe CUrreNT CLASS % DISCOUNT FOr SFHA1 % DISCOUNT FOr NON-SFHA STATUS2 Iowa 190169 Coralville, City of 10/1/92 10/1/96 10 0 0 R 190187 Cedar Rapids, City of 05/1/11 05/1/11 8 10 5 C 190242 Davenport, City of 10/1/95 05/1/08 8 10 5 C 190227 Des Moines, City of 10/1/91 05/1/08 7 15 5 C 190171 Iowa City, City of Kansas 10/1/11 10/1/11 8 10 5 C 200250 Carbondale, City of 10/1/92 10/1/96 10 0 0 R 200095 Ellis, City of 10/1/07 10/1/07 9 5 5 C 200585 Harvey County 05/1/12 05/1/12 9 5 5 C 200096 Hayes, City of 10/1/92 10/1/03 10 0 0 R 200189 Lansing, City of 05/1/11 05/1/11 8 10 5 C 200090 Lawrence, City of 10/1/04 10/1/04 8 10 5 C 200168 Lenexa, City of 10/1/11 10/1/11 8 10 5 C 200215 Lindsborg, City of 10/1/92 05/1/09 8 10 5 C 200201 Lyon County 10/1/07 10/1/07 9 5 5 C 200295 Lyons, City of 05/1/12 05/1/12 9 5 5 C 200173 Olathe, City of 10/1/93 05/1/09 8 10 5 C 200174 Overland Park, City of 10/1/09 10/1/09 8 10 5 C 200298 Riley County 10/1/92 10/1/93 10 0 0 R 200177 Shawnee, City of 10/1/91 10/1/01 8 10 5 C 200331 Shawnee County 05/1/11 05/1/11 9 5 5 C 205187 Topeka, City of Kentucky 10/1/92 10/1/01 10 0 0 R 210017 Ashland, City of 10/1/92 10/1/97 10 0 0 R 210010 Bell County 10/1/94 10/1/97 10 0 0 R 210219 Bowling Green, City of 10/1/91 10/1/06 7 15 5 C 210227 Corbin, City of 10/1/93 10/1/94 10 0 0 R 210062 Daviess County 05/1/03 05/1/05 8 10 5 C 210075 Frankfort, City of 10/1/92 05/1/10 8 10 5 C 210280 Franklin County 10/1/93 10/1/97 10 0 0 R 210051 Grayson, City of 10/1/92 10/1/92 9 5 5 C 210055 Hopkinsville, City of 10/1/91 10/1/96 10 0 0 R 210067 Lexington-Fayette Urban County 10/1/91 10/1/07 7 15 5 C 210120 Louisville-Jefferson County Metro Government 10/1/91 05/1/12 4 30 10 C 210342 Madison County 05/1/12 05/1/12 9 5 5 C 210126 Nicholasville, City of 10/1/91 10/1/97 8 10 5 C 210063 Owensboro, City of 05/1/03 05/1/05 8 10 5 C 210127 Paintsville, City of 10/1/92 10/1/92 9 5 5 C 210298 Pike County 10/1/95 10/1/95 9 5 5 C 210193 Pikeville, City of 10/1/92 10/1/92 9 5 5 C 210072 Prestonsburg, City of 10/1/92 10/1/09 10 0 0 R 210366 Radcliff, City of 10/1/95 10/1/11 8 10 5 C 210203 Rowan County 10/1/94 10/1/94 9 5 5 C 210312 Warren County 10/1/91 10/1/11 8 10 5 C 210097 West Point, City of Louisiana 10/1/95 10/1/00 10 0 0 R 220013 Ascension Parish 10/1/92 05/1/08 8 10 5 C 225193 Baker, City of 10/1/91 10/1/11 8 10 5 C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones aretreated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS15 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NUMber COMMUNITY NAMe CrS eNTrY DATe CUrreNT eFFeCTIVe DATe CUrreNT CLASS % DISCOUNT FOr SFHA1 % DISCOUNT FOr NON-SFHA STATUS2 Louisiana(continued) 220033 Bossier City, City of 10/1/92 05/1/08 8 10 5 C 220361 Caddo Parish 10/1/95 10/1/07 8 10 5 C 220037 Calcasieu Parish 10/1/91 10/1/07 8 10 5 C 220103 Carencro, City of 05/1/09 05/1/10 8 10 5 C 220200 Covington, City of 10/1/95 10/1/96 10 0 0 R 220116 Denham Springs, City of 10/1/91 05/1/12 8 10 5 C 220027 Deridder, City of 10/1/95 10/1/95 9 5 5 C 220058 East Baton Rouge Parish 10/1/91 10/1/11 6 20 10 C 220117 French Settlement, Village of 10/1/92 10/1/07 9 5 5 C 220015 Gonzales, City of 10/1/92 05/1/12 8 10 5 C 225198 Gretna, City of 10/1/00 05/1/11 8 10 5 C 225200 Harahan, City of 10/1/08 10/1/08 8 10 5 C 220220 Houma, City of 10/1/92 10/1/09 7 15 5 C 225199 Jefferson Parish 10/1/92 05/1/10 6 20 10 C 225201 Kenner, City of 10/1/92 05/1/09 7 15 5 C 220105 Lafayette, City of 10/1/11 10/1/11 8 10 5 C 220101 Lafayette Parish 10/1/11 10/1/11 8 10 5 C 225202 Lafourche Parish 01/1/92 05/1/04 10 0 0 R 220040 Lake Charles, City of 10/1/04 05/1/12 8 10 5 C 220113 Livingston Parish 10/1/92 10/1/92 9 5 5 C 220248 Lutcher, Town of 10/1/92 10/1/92 9 5 5 C 220202 Mandeville, Town of 10/1/92 10/1/08 7 15 5 C 220136 Monroe, City of 10/1/03 10/1/03 9 5 5 C 220196 Morgan City, City of 10/1/91 05/1/06 8 10 5 C 225203 New Orleans/Orleans Parish 10/1/91 10/1/01 8 10 5 C 220135 Ouachita Parish 10/1/02 05/1/08 9 5 5 C 220119 Port Vincent, Village of 10/1/92 10/1/97 10 0 0 R 220008 Rayne, City of 10/1/91 10/1/91 9 5 5 C 220347 Ruston, City of 10/1/92 10/1/92 9 5 5 C 220036 Shreveport, City of 10/1/91 05/1/08 7 15 5 C 220204 Slidell, City of 10/1/92 10/1/08 8 10 5 C 220016 Sorrento, Town of 10/1/92 05/1/08 9 5 5 C 220160 St. Charles Parish 10/1/91 10/1/07 8 10 5 C 220261 St. James Parish 10/1/91 05/1/12 7 15 5 C 220164 St. John The Baptist Parish 10/1/94 05/1/10 8 10 5 C 225205 St. Tammany Parish 10/1/92 05/1/11 7 15 5 C 220206 Tangipahoa Parish 10/1/96 10/1/96 9 5 5 C 225206 Terrebonne Parish 10/1/92 10/1/11 6 20 10 C 220121 Walker, Town of 10/1/92 05/1/08 9 5 5 C 220239 West Baton Rouge Parish 10/1/93 10/1/96 8 10 5 C 220094 Westwego, City of 10/1/07 10/1/07 8 10 5 C 220061 Zachary, City of Maine 10/1/92 10/1/07 8 10 5 C 230191 Alfred, Town of 10/1/91 10/1/93 8 10 5 C 230208 Arrowsic, Town of 10/1/93 10/1/93 9 5 5 C 230001 Auburn, City of 10/1/92 10/1/92 9 5 5 C 230043 Cape Elizabeth, Town of 10/1/94 10/1/94 9 5 5 C 230116 Dover-Foxcroft, Town of 10/1/07 10/1/07 9 5 5 C 230057 Farmington, Town of 10/1/94 10/1/94 9 5 5 C 230018 Fort Fairfield, Town of 10/1/02 10/1/02 8 10 5 C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones are treated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS16 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NUMber COMMUNITY NAMe CrS eNTrY DATe CUrreNT eFFeCTIVe DATe CUrreNT CLASS % DISCOUNT FOr SFHA1 % DISCOUNT FOr NON-SFHA STATUS2 Maine(continued) 230209 Georgetown, Town of 10/1/01 10/1/08 10 0 0 R 230069 Hallowell, City of 10/1/96 10/1/09 10 0 0 R 230004 Lewiston, City of 10/1/93 05/1/97 8 10 5 C 230178 Norridgewock, City of 10/1/97 10/1/07 10 0 0 R 230632 Ogunquit, Town of 10/1/92 05/1/03 8 10 5 C 230153 Old Orchard Beach, Town of 10/1/93 10/1/09 8 10 5 C 230112 Old Town, City of 10/1/05 10/1/05 8 10 5 C 230120 Phippsburg, Town of 10/1/93 10/1/08 10 0 0 R 230051 Portland, City of 10/1/93 05/1/09 9 5 5 C 230155 Saco, City of 10/1/92 10/1/99 8 10 5 C 230128 Skowhegan, Town of 10/1/91 10/1/03 8 10 5 C 230157 South Berwick, Town of 10/1/94 05/1/05 8 10 5 C 230293 Southwest Harbor, Town of 10/1/96 10/1/02 9 5 5 C 230158 Wells, Town of 10/1/91 10/1/11 10 0 0 R 230159 York, Town of Maryland 10/1/01 10/1/01 8 10 5 C 240042 Bel Air, Town of 10/1/93 10/1/03 8 10 5 C 240011 Calvert County 10/1/91 10/1/96 10 0 0 R 240130 Caroline County 10/1/96 10/1/96 9 5 5 C 240015 Carroll County 10/1/07 10/1/07 8 10 5 C 240040 Harford County 10/1/91 10/1/00 7 15 5 C 240043 Havre de Grace, City of 05/1/09 10/1/11 8 10 5 C 240044 Howard County 10/1/07 10/1/07 8 10 5 C 240012 North Beach, City of 01/1/92 10/1/08 10 0 0 R 245207 Ocean City, Town of 10/1/92 10/1/02 7 15 5 C 245208 Prince George’s County Massachusetts 10/1/91 10/1/01 5 25 10 C 250286 Boston, City of 10/1/92 10/1/97 10 0 0 R 250233 Braintree, Town of 10/1/92 05/1/08 9 5 5 C 250004 Chatham, Town of 10/1/92 10/1/93 8 10 5 C 250082 Gloucester, City of 10/1/92 10/1/97 10 0 0 R 250008 Harwich, Town of 10/1/95 10/1/95 9 5 5 C 250085 Haverhill, City of 10/1/92 10/1/92 9 5 5 C 250269 Hull, Town of 05/1/08 05/1/08 8 10 5 C 250273 Marshfield, Town of 10/1/91 05/1/07 8 10 5 C 250167 Northampton, City of 05/1/03 10/1/10 10 0 0 R 250060 Norton, Town of 10/1/91 10/1/91 9 5 5 C 250010 Orleans, City of 10/1/93 10/1/93 9 5 5 C 250278 Plymouth, Town of 10/1/91 10/1/91 9 5 5 C 255218 Provincetown, Town of 10/1/11 10/1/11 9 5 5 C 255219 Quincy, City of 10/1/93 05/1/97 7 15 5 C 250282 Scituate, Town of 10/1/91 05/1/09 8 10 5 C 250218 Tewksbury, Town of 10/1/93 10/1/09 10 0 0 R 250349 Worcester, City of Michigan 10/1/95 10/1/95 9 5 5 C 260142 Bedford, Township of 05/1/02 05/1/08 8 10 5 C 260467 Brooks Township 10/1/11 10/1/11 8 10 5 C 260473 Commerce, Township of 05/1/03 05/1/09 8 10 5 C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones aretreated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS17 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NUMber COMMUNITY NAMe CrS eNTrY DATe CUrreNT eFFeCTIVe DATe CUrreNT CLASS % DISCOUNT FOr SFHA1 % DISCOUNT FOr NON-SFHA STATUS2 Michigan(continued) 260221 Dearborn Heights, City of 10/1/92 05/1/08 7 15 5 C 260172 Farmington Hills, City of 10/1/94 10/1/95 10 0 0 R 260657 Fraser, Township of 05/1/03 05/1/03 9 5 5 C 260226 Gibraltar, City of 10/1/92 10/1/02 8 10 5 C 260118 Hamburg, Township of 10/1/99 10/1/99 8 10 5 C 260150 Luna Pier, City of 05/1/02 05/1/08 8 10 5 C 260140 Midland, City of 10/1/92 10/1/08 5 25 10 C 260175 Novi, City of 10/1/99 10/1/99 7 15 5 C 260185 Park, Township of 05/1/03 05/1/03 9 5 5 C 260109 Plainfield Township 05/1/10 05/1/10 9 5 5 C 260577 Portage, City of 10/1/92 05/1/08 8 10 5 C 260402 Richfield Township 05/1/11 05/1/11 8 10 5 C 260190 Saginaw, Charter Township of 10/1/06 05/1/11 8 10 5 C 260305 Saugatuck, City of 10/1/06 10/1/06 8 10 5 C 260126 Shelby, Charter Township of 10/1/11 10/1/11 7 15 5 C 260128 Sterling Heights, City of 10/1/95 05/1/05 7 15 5 C 260243 Sumpter, Township of 10/1/95 10/1/04 10 0 0 R 260728 Taylor, City of 05/1/03 10/1/09 8 10 5 C 260503 Taymouth, Township of 05/1/03 10/1/09 8 10 5 C 260208 Vassar, City of 10/1/06 10/1/06 6 20 10 C 260285 Zilwaukee, City of Minnesota 05/1/04 05/1/04 8 10 5 C 275228 Austin, City of 10/1/91 05/1/08 5 25 10 C 275236 East Grand Forks, City of 10/1/91 10/1/98 10 0 0 R 275240 Lake St. Croix Beach, City of 10/1/95 10/1/11 6 20 10 C 275243 Montevideo, City of 05/1/10 05/1/10 5 25 10 C 275244 Moorhead, City of 05/1/10 05/1/10 7 15 5 C 270307 Mower County 10/1/95 04/1/00 8 10 5 C 275246 Rochester, City of 10/1/91 10/1/96 10 0 0 R 270729 West St. Paul, City of Mississippi 10/1/91 10/1/96 10 0 0 R 285251 Bay St. Louis, City of 10/1/95 10/1/00 7 15 5 C 285252 Biloxi, City of 10/1/96 05/1/09 6 20 10 C 280016 Cleveland, City of 10/1/93 04/1/99 8 10 5 C 280336 D’lberville, City of 10/1/07 10/1/10 5 25 10 C 280332 Gautier, City of 10/1/94 10/1/10 7 15 5 C 280179 Greenville, City of 10/1/93 05/1/03 8 10 5 C 285253 Gulfport, City of 10/1/96 10/1/11 6 20 10 C 285255 Harrison County 10/1/03 10/1/03 8 10 5 C 280053 Hattiesburg, City of 10/1/94 05/1/10 6 20 10 C 280292 Hernando, City of 10/1/11 10/1/11 9 5 5 C 280070 Hinds County 10/1/93 10/1/93 9 5 5 C 280072 Jackson, City of 10/1/91 10/1/96 8 10 5 C 285256 Jackson County 10/1/11 10/1/11 9 5 5 C 280304 Lamar County 10/1/08 05/1/12 8 10 5 C 285257 Long Beach, City of 10/1/00 10/1/08 7 15 5 C 280229 Madison, City of 10/1/96 10/1/01 8 10 5 C 280096 Meridian, City of 10/1/92 05/1/08 8 10 5 C 285259 Ocean Springs, City of 10/1/92 05/1/08 7 15 5 C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones are treated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS18 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NUMber COMMUNITY NAMe CrS eNTrY DATe CUrreNT eFFeCTIVe DATe CUrreNT CLASS % DISCOUNT FOr SFHA1 % DISCOUNT FOr NON-SFHA STATUS2 Mississippi(continued) 280094 Oxford, City of 05/1/12 05/1/12 8 10 5 C 280125 Panola County 05/1/12 05/1/12 8 10 5 C 285260 Pascagoula, City of 10/1/07 10/1/11 5 25 10 C 285261 Pass Christian, City of 10/1/93 10/1/03 6 20 10 C 280130 Picayune, City of 05/1/08 05/1/08 8 10 5 C 280110 Ridgeland, City of 10/1/94 05/1/11 6 20 10 C 280124 Starkville, City of 05/1/12 05/1/12 9 5 5 C 280300 Stone County 10/1/10 10/1/10 8 10 5 C 280100 Tupelo, City of 05/1/03 05/1/03 8 10 5 C 280176 Vicksburg, City of 10/1/93 05/1/12 6 20 10 C 285262 Waveland, City of Missouri 10/1/93 10/1/06 5 25 10 C 290188 Arnold, City of 10/1/91 05/1/04 10 0 0 R 290351 Ferguson, City of 10/1/95 04/1/01 10 0 0 R 290223 Hannibal, City of 05/1/11 05/1/11 8 10 5 C 290172 Independence, City of 10/1/91 10/1/01 7 15 5 C 290173 Kansas City, City of 10/1/09 10/1/09 9 5 5 C 290362 Kirkwood, City of 10/1/91 10/1/96 10 0 0 R 290475 Platte County 05/1/09 05/1/10 5 25 10 C 290315 St. Charles County Montana 10/1/01 05/1/08 7 15 5 C 300009 Belt, Town of 10/1/91 10/1/92 8 10 5 C 300028 Bozeman, City of 10/1/92 10/1/09 8 10 5 C 300008 Cascade County 10/1/91 04/1/01 8 10 5 C 300108 Circle, Town of 10/1/91 10/1/93 8 10 5 C 300023 Flathead County 10/1/93 10/1/07 8 10 5 C 300010 Great Falls, City of 10/1/91 10/1/06 8 10 5 C 300038 Lewis and Clark County 10/1/91 10/1/02 8 10 5 C 300014 Miles City, City of 10/1/91 10/1/94 9 5 5 C 300049 Missoula, City of 10/1/91 05/1/02 8 10 5 C 300048 Missoula County 10/1/91 05/1/02 8 10 5 C 300029 Three Forks, Town of 10/1/93 10/1/98 8 10 5 C 300142 Yellowstone County Nebraska 05/1/03 05/1/03 8 10 5 C 310187 DeWitt, Village of 05/1/11 05/1/11 9 5 5 C 315274 Omaha, City of 05/1/12 05/1/12 9 5 5 C 315275 Papillion, City of 10/1/10 10/1/10 8 10 5 C 310069 Fremont, City of 10/1/91 10/1/91 9 5 5 C 315273 Lincoln, City of 10/1/91 10/1/09 6 20 10 C 310078 Valley, City of Nevada 10/1/08 10/1/08 8 10 5 C 320001 Carson City, City of 10/1/94 10/1/09 6 20 10 C 320003 Clark County 10/1/92 05/1/08 6 20 10 C 320008 Douglas County 10/1/93 10/1/04 6 20 10 C 320005 Henderson, City of 10/1/91 05/1/08 6 20 10 C 325276 Las Vegas, City of 10/1/91 05/1/08 6 20 10 C 320035 Mesquite, City of 10/1/02 05/1/07 7 15 5 C 320007 North Las Vegas, City of 10/1/91 05/1/08 6 20 10 C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones aretreated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS19 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NUMber COMMUNITY NAMe CrS eNTrY DATe CUrreNT eFFeCTIVe DATe CUrreNT CLASS % DISCOUNT FOr SFHA1 % DISCOUNT FOr NON-SFHA STATUS2 Nevada (continued) 320033 Storey County 10/1/94 10/1/99 8 10 5 C 320019 Washoe County New Hampshire 05/1/09 05/1/09 7 15 5 C 330023 Keene, City of 05/1/02 05/1/08 8 10 5 C 330024 Marlborough, Town of 10/1/94 10/1/94 9 5 5 C 330101 Peterborough, Town of 05/1/04 05/1/04 8 10 5 C 330141 Rye, Town of 05/1/05 10/1/10 10 0 0 R 330028 Winchester, Town of New Jersey 05/1/02 05/1/02 9 5 5 C 340312 Aberdeen, Township of 05/1/10 05/1/10 9 5 5 C 345278 Atlantic City, City of 10/1/92 10/1/00 9 5 5 C 345279 Avalon, Borough of 10/1/96 10/1/07 6 20 10 C 340396 Barnegat, Township of 10/1/92 10/1/97 10 0 0 R 345280 Barnegat Light, Borough of 10/1/92 10/1/01 8 10 5 C 345281 Bay Head, Borough of 10/1/93 10/1/98 8 10 5 C 345282 Beach Haven, Borough of 10/1/91 05/1/11 6 20 10 C 340427 Bedminster, Township of 10/1/96 05/1/07 6 20 10 C 340369 Berkeley, Township of 10/1/92 10/1/08 7 15 5 C 340459 Berkeley Heights, Township of 10/1/94 04/1/99 10 0 0 R 340428 Bernards, Township of 10/1/10 10/1/10 8 10 5 C 340178 Bloomfield, Township of 10/1/92 10/1/97 10 0 0 R 340289 Bradley Beach, Borough of 10/1/95 10/1/00 7 15 5 C 345286 Brigantine, City of 10/1/92 10/1/09 6 20 10 C 345287 Burlington, City of 04/1/98 10/1/03 8 10 5 C 345288 Cape May City, City of 10/1/94 10/1/99 8 10 5 C 345289 Cape May Point, Borough of 10/1/93 10/1/94 7 15 5 C 345292 Denville, Township of 10/1/11 10/1/11 9 5 5 C 340031 Englewood, City of 10/1/91 10/1/01 10 0 0 R 340434 Franklin, Township of 05/1/10 05/1/10 7 15 5 C 340037 Garfield, City of 05/1/12 05/1/12 9 5 5 C 340204 Greenwich, Township of 05/1/07 05/1/07 9 5 5 C 340246 Hamilton, Township of 10/1/92 10/1/02 8 10 5 C 345296 Harvey Cedars, Borough of 10/1/91 10/1/99 8 10 5 C 340298 Hazlet Township 05/1/11 05/1/11 8 10 5 C 340376 Lacey, Township of 10/1/92 10/1/93 10 0 0 R 340237 Lambertville, City of 05/1/12 05/1/12 8 10 5 C 340379 Lavallette, Borough of 05/1/04 05/1/05 8 10 5 C 345300 Lincoln Park, Borough of 10/1/91 10/1/06 10 0 0 R 340467 Linden, City of 10/1/91 10/1/02 8 10 5 C 340401 Little Falls, Township of 05/1/10 05/1/10 9 5 5 C 340046 Little Ferry, Borough of 10/1/93 10/1/94 10 0 0 R 340047 Lodi, Borough of 10/1/92 10/1/93 10 0 0 R 345301 Long Beach, Township of 10/1/92 10/1/08 6 20 10 C 345302 Longport, Borough of 10/1/95 05/1/12 6 20 10 C 345303 Manasquan, Borough of 10/1/92 10/1/09 7 15 5 C 340383 Mantoloking, Borough of 10/1/92 10/1/08 6 20 10 C 345304 Margate City, City of 10/1/92 10/1/99 7 15 5 C 340313 Middleton Township 05/1/12 05/1/12 8 10 5 C 340188 Montclair, Township of 10/1/94 10/1/95 10 0 0 R 340517 Mullica, Township of 10/1/94 05/1/08 10 0 0 R 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones are treated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS20 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NUMber COMMUNITY NAMe CrS eNTrY DATe CUrreNT eFFeCTIVe DATe CUrreNT CLASS % DISCOUNT FOr SFHA1 % DISCOUNT FOr NON-SFHA STATUS2 New Jersey(continued) 340570 New Jersey Meadowlands Commission 10/1/92 05/1/09 7 15 5 C 345307 North Plainfield, Borough of 10/1/92 10/1/09 8 10 5 C 345308 North Wildwood, City of 10/1/00 10/1/00 7 15 5 C 345309 Oakland, Borough of 10/1/95 10/1/96 10 0 0 R 340518 Ocean, Township of 10/1/95 05/1/12 10 0 0 R 345310 Ocean City, City of 10/1/92 10/1/01 7 15 5 C 340320 Oceanport, Borough of 05/1/10 05/1/10 8 10 5 C 340110 Palmyra, Borough of 10/1/09 10/1/09 8 10 5 C 340355 Parsippany-Troy Hills, Township of 10/1/91 05/1/09 10 0 0 R 340512 Pennsville, Township of 10/1/92 10/1/97 10 0 0 R 345311 Pequannock, Township of 10/1/91 10/1/11 7 15 5 C 345312 Plainfield, City of 10/1/91 10/1/98 10 0 0 R 345313 Point Pleasant, Borough of 10/1/93 10/1/93 9 5 5 C 340388 Point Pleasant Beach, Borough of 10/1/92 05/1/09 9 5 5 C 345528 Pompton Lakes, Borough of 10/1/91 10/1/11 6 20 10 C 345314 Rahway, City of 10/1/92 05/1/09 7 15 5 C 340067 Ridgewood, Village of 10/1/92 10/1/02 7 15 5 C 340359 Riverdale, Borough of 10/1/94 10/1/94 9 5 5 C 340070 Rochelle Park, Township of 10/1/06 10/1/06 8 10 5 C 340472 Roselle, Borough of 10/1/92 01/1/98 8 10 5 C 340474 Scotch Plains, Township of 10/1/94 10/1/95 10 0 0 R 345317 Sea Bright, Borough of 10/1/92 10/1/97 10 0 0 R 345318 Sea Isle City, City of 10/1/92 10/1/95 10 0 0 R 345319 Seaside Park, Borough of 10/1/92 10/1/06 8 10 5 C 345320 Ship Bottom, Borough of 10/1/92 05/1/09 7 15 5 C 340329 Spring Lake, Borough of 10/1/94 10/1/99 8 10 5 C 340393 Stafford, Township of 10/1/91 05/1/08 6 20 10 C 345323 Stone Harbor, Borough of 10/1/94 05/1/09 7 15 5 C 345324 Surf City, Borough of 10/1/92 10/1/08 7 15 5 C 345293 Toms River, Township of 10/1/92 10/1/92 9 5 5 C 340395 Tuckerton, Borough of 10/1/93 10/1/98 10 0 0 R 340331 Union Beach, Borough of 10/1/03 10/1/03 8 10 5 C 340159 Upper Township 10/1/11 10/1/11 7 15 5 C 345326 Ventnor, City of 10/1/92 05/1/10 7 15 5 C 340446 Warren, Township of 05/1/10 05/1/10 9 5 5 C 345327 Wayne, Township of 10/1/91 10/1/00 8 10 5 C 345328 West Wildwood, Borough of 10/1/93 10/1/05 10 0 0 R 345330 Wildwood Crest, Borough of 10/1/93 10/1/03 8 10 5 C 345331 Woodbridge, Township of New Mexico 10/1/92 10/1/97 10 0 0 R 350045 Alamogordo, City of 10/1/91 10/1/91 9 5 5 C 350002 Albuquerque, City of 10/1/93 10/1/08 9 5 5 C 350001 Bernalillo County 10/1/93 05/1/08 9 5 5 C 350010 Clovis, City of 10/1/91 10/1/91 9 5 5 C 350012 Dona Ana County 10/1/03 10/1/08 8 10 5 C 350067 Farmington, City of 10/1/91 10/1/91 9 5 5 C 350029 Hobbs, City of 10/1/92 05/1/08 8 10 5 C 355332 Las Cruces, City of 10/1/91 10/1/08 6 20 10 C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones aretreated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS21 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NUMber COMMUNITY NAMe CrS eNTrY DATe CUrreNT eFFeCTIVe DATe CUrreNT CLASS % DISCOUNT FOr SFHA1 % DISCOUNT FOr NON-SFHA STATUS2 New Mexico(continued) 350054 Portales, City of 10/1/95 10/1/95 9 5 5 C 350006 Roswell, City of 10/1/92 10/1/92 9 5 5 C 350064 San Juan County New York 05/1/08 05/1/08 9 5 5 C 360226 Amherst, Town of 10/1/95 05/1/97 8 10 5 C 360147 Ashland, Town of 10/1/91 05/1/08 9 5 5 C 360790 Babylon, Town of 10/1/92 10/1/93 10 0 0 R 360988 Bayville, Village of 10/1/92 10/1/03 8 10 5 C 360148 Big Flats, Town of 10/1/91 10/1/96 8 10 5 C 361342 Brightwaters, Village of 10/1/93 10/1/98 10 0 0 R 360570 Camillus, Town of 10/1/96 10/1/01 10 0 0 R 361055 Catlin, Town of 10/1/91 10/1/97 10 0 0 R 360149 Chemung, Town of 10/1/91 05/1/08 9 5 5 C 360772 Corning, City of 10/1/91 05/1/08 9 5 5 C 360463 East Rockaway, Village of 10/1/92 10/1/92 9 5 5 C 360150 Elmira, City of 10/1/91 05/1/97 8 10 5 C 360151 Elmira, Town of 10/1/91 10/1/91 9 5 5 C 360774 Erwin, Town of 10/1/91 05/1/08 8 10 5 C 361194 Esperance, Town of 10/1/10 10/1/10 9 5 5 C 360464 Freeport, Village of 10/1/92 10/1/09 7 15 5 C 360466 Great Neck Estates, Village of 10/1/10 05/1/12 8 10 5 C 360417 Greece, Town of 10/1/92 10/1/10 8 10 5 C 360777 Hornellsville, Town of 10/1/91 10/1/92 10 0 0 R 360153 Horseheads, Town of 10/1/91 10/1/91 9 5 5 C 360154 Horseheads, Village of 10/1/91 10/1/91 9 5 5 C 360308 Ilion, Village of 10/1/00 10/1/00 9 5 5 C 360047 Johnson City, Village of 10/1/91 10/1/91 9 5 5 C 360247 Lackawanna, City of 05/1/03 05/1/03 9 5 5 C 360476 Lawrence, Village of 10/1/92 05/1/07 7 15 5 C 365338 Long Beach, City of 10/1/09 10/1/09 8 10 5 C 360118 Moravia, Village of 05/1/09 05/1/09 8 10 5 C 360506 Niagara Falls, City of 10/1/92 10/1/02 8 10 5 C 360801 Northport, Village of 10/1/94 10/1/08 10 0 0 R 360667 Oneonta, City of 10/1/94 05/1/11 10 0 0 R 360780 Pulteney, Town of 10/1/91 10/1/93 10 0 0 R 360932 Scarsdale, Village of 10/1/93 10/1/98 8 10 5 C 365342 Southampton, Town of 10/1/95 10/1/05 8 10 5 C 365343 Southampton, Village of 10/1/92 10/1/93 10 0 0 R 360156 Southport, Town of 10/1/91 10/1/91 9 5 5 C 360595 Syracuse, City of 10/1/93 05/1/10 8 10 5 C 360056 Union, Town of 10/1/91 10/1/08 8 10 5 C 361057 Veteran, Town of 10/1/91 10/1/96 10 0 0 R 360157 Wellsburg, Village of NorthCarolina 10/1/91 10/1/91 9 5 5 C 370404 Alliance, Town of 10/1/92 10/1/92 9 5 5 C 370044 Atlantic Beach, Town of 10/1/92 10/1/93 8 10 5 C 370183 Bayboro, Town of 10/1/92 10/1/92 9 5 5 C 375346 Beaufort, City of 10/1/94 10/1/05 8 10 5 C 370015 Belhaven, Town of 10/1/93 10/1/94 8 10 5 C 370253 Boone, Town of 10/1/91 10/1/00 7 15 5 C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones are treated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS22 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NUMber COMMUNITY NAMe CrS eNTrY DATe CUrreNT eFFeCTIVe DATe CUrreNT CLASS % DISCOUNT FOr SFHA1 % DISCOUNT FOr NON-SFHA STATUS2 NorthCarolina(continued) 370231 Brevard, City of 10/1/92 10/1/07 8 10 5 C 370036 Cabarrus County 10/1/91 05/1/07 8 10 5 C 370039 Caldwell County 04/1/00 04/1/00 9 5 5 C 370046 Cape Carteret, Town of 10/1/93 10/1/03 8 10 5 C 375347 Carolina Beach, Town of 10/1/93 04/1/99 7 15 5 C 370043 Carteret County 10/1/91 10/1/92 8 10 5 C 370238 Cary, Town of 10/1/92 10/1/96 10 0 0 R 370391 Caswell Beach, City of 10/1/94 10/1/00 7 15 5 C 370465 Cedar Point, Town of 10/1/92 10/1/07 8 10 5 C 370159 Charlotte, City of 10/1/91 05/1/06 5 25 10 C 370263 Clinton, City of 10/1/94 05/1/09 8 10 5 C 370037 Concord, City of 10/1/93 10/1/03 8 10 5 C 370072 Craven County 10/1/91 10/1/01 8 10 5 C 370443 Creswell, Town of 10/1/94 10/1/99 8 10 5 C 370076 Cumberland County 10/1/96 10/1/10 8 10 5 C 370078 Currituck County 10/1/93 05/1/08 8 10 5 C 375348 Dare County 10/1/91 05/1/08 8 10 5 C 370632 Duck, Town of 10/1/11 10/1/11 7 15 5 C 370085 Durham County 10/1/92 10/1/08 8 10 5 C 370062 Edenton, Town of 10/1/93 05/1/08 9 5 5 C 370047 Emerald Isle, Town of 10/1/93 10/1/03 7 15 5 C 370190 Farmville, Town of 10/1/04 05/1/12 6 20 10 C 375349 Forsyth County 10/1/93 05/1/08 8 10 5 C 370099 Gaston County 10/1/11 10/1/11 9 5 5 C 370255 Goldsboro, City of 10/1/93 05/1/03 8 10 5 C 375351 Greensboro, City of 05/1/09 05/1/09 8 10 5 C 370191 Greenville, City of 10/1/92 10/1/07 7 15 5 C 370192 Grifton, Town of 10/1/04 05/1/08 5 25 10 C 370111 Guilford County 10/1/93 10/1/08 8 10 5 C 370265 Havelock, City of 10/1/95 10/1/99 8 10 5 C 375352 Holden Beach, Town of 10/1/91 10/1/92 8 10 5 C 370133 Hyde County 10/1/92 10/1/92 9 5 5 C 370178 Jacksonville, City of 10/1/91 10/1/05 8 10 5 C 375353 Kill Devil Hills, City of 10/1/91 10/1/11 6 20 10 C 370145 Kinston, City of 10/1/94 05/1/06 5 25 10 C 370439 Kitty Hawk, Town of 10/1/91 10/1/02 6 20 10 C 370144 Lenoir County 10/1/94 05/1/06 7 15 5 C 370081 Lexington, City of 10/1/93 05/1/08 7 15 5 C 375355 Manteo, Town of 10/1/91 05/1/08 8 10 5 C 370158 Mecklenburg County 10/1/91 05/1/06 6 20 10 C 370418 Minnesott Beach, Town of 10/1/92 10/1/92 9 5 5 C 370048 Morehead City, Town of 10/1/92 10/1/93 8 10 5 C 375356 Nags Head, City of 10/1/91 10/1/01 6 20 10 C 370167 Nashville, Town of 10/1/94 05/1/05 8 10 5 C 370074 New Bern, City of 10/1/92 05/1/04 10 0 0 R 370168 New Hanover County 10/1/91 05/1/08 8 10 5 C 370049 Newport, Town of 10/1/92 10/1/07 8 10 5 C 370466 North Topsail Beach, Town of 10/1/92 10/1/02 7 15 5 C 370523 Oak Island, Town of 10/1/91 05/1/08 8 10 5 C 375357 Ocean Isle Beach, Town of 10/1/92 05/1/08 8 10 5 C 370342 Orange County 10/1/11 10/1/11 8 10 5 C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones aretreated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS23 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NUMber COMMUNITY NAMe CrS eNTrY DATe CUrreNT eFFeCTIVe DATe CUrreNT CLASS % DISCOUNT FOr SFHA1 % DISCOUNT FOr NON-SFHA STATUS2 NorthCarolina(continued) 370279 Oriental, Town of 10/1/92 10/1/97 9 5 5 C 370181 Pamlico County 10/1/92 10/1/97 9 5 5 C 370267 Pine Knoll Shores, Town of 10/1/92 10/1/02 7 15 5 C 370160 Pineville, Town of 10/1/91 05/1/06 6 20 10 C 370372 Pitt County 10/1/02 05/1/12 7 15 5 C 370249 Plymouth, Town of 10/1/94 10/1/99 8 10 5 C 370243 Raleigh, City of 10/1/91 10/1/06 7 15 5 C 370432 River Bend, Town of 05/1/10 05/1/10 8 10 5 C 370092 Rocky Mount, City of 10/1/92 05/1/08 7 15 5 C 370421 Roper, Town of 10/1/94 10/1/99 8 10 5 C 370220 Sampson County 10/1/94 10/1/99 10 0 0 R 370430 Southern Shores, Town of 10/1/92 10/1/11 7 15 5 C 370028 Southport, City of 10/1/91 10/1/05 8 10 5 C 370437 Stonewall, Town of 10/1/92 10/1/92 9 5 5 C 375359 Sunset Beach, Town of 10/1/91 10/1/00 8 10 5 C 370094 Tarboro, Town of 10/1/06 10/1/11 7 15 5 C 370187 Topsail Beach, Town of 10/1/92 10/1/02 6 20 10 C 370438 Vandemere, Town of 10/1/92 10/1/92 9 5 5 C 370368 Wake County 10/1/91 10/1/96 10 0 0 R 370017 Washington, City of 10/1/92 05/1/12 7 15 5 C 370247 Washington County 10/1/94 10/1/99 8 10 5 C 370268 Washington Park, Town of 10/1/92 10/1/07 8 10 5 C 370251 Watauga County 10/1/91 10/1/91 9 5 5 C 370254 Wayne County 10/1/93 05/1/12 6 20 10 C 370464 Whispering Pines, Village of 10/1/91 10/1/96 10 0 0 R 370071 Whiteville, City of 10/1/96 10/1/05 8 10 5 C 370270 Wilson, City of 10/1/91 05/1/11 6 20 10 C 375360 Winston-Salem, City of 10/1/93 05/1/08 8 10 5 C 370193 Winterville, Town of 10/1/93 10/1/97 10 0 0 R 375361 Wrightsville Beach, Town of NorthDakota 10/1/91 05/1/08 8 10 5 C 385364 Fargo, City of 05/1/06 05/1/06 7 15 5 C 385365 Grand Forks, City of Ohio 10/1/91 10/1/01 5 25 10 C 390183 Delta, Village of 10/1/92 10/1/92 9 5 5 C 390038 Fairfield, City of 10/1/93 10/1/98 8 10 5 C 390110 Highland Heights, City of 10/1/91 10/1/92 10 0 0 R 390412 Kettering, City of 10/1/95 10/1/00 8 10 5 C 390328 Licking County 10/1/93 05/1/09 7 15 5 C 390378 Medina County 05/1/07 05/1/12 8 10 5 C 390071 New Richmond, Village of 10/1/92 10/1/02 8 10 5 C 390176 Obetz, Village of 10/1/96 10/1/96 9 5 5 C 390737 Orange, Village of 10/1/91 10/1/91 9 5 5 C 390472 Ottawa, Village of 10/1/95 10/1/95 9 5 5 C 390432 Ottawa County 10/1/92 10/1/92 9 5 5 C 390460 Preble County 10/1/98 10/1/98 9 5 5 C 390479 Shelby, City of 10/1/92 05/1/12 8 10 5 C 390131 South Euclid, City of 10/1/91 10/1/91 9 5 5 C 390419 West Carrollton, City of 05/1/02 05/1/09 8 10 5 C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones are treated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS24 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NUMber COMMUNITY NAMe CrS eNTrY DATe CUrreNT eFFeCTIVe DATe CUrreNT CLASS % DISCOUNT FOr SFHA1 % DISCOUNT FOr NON-SFHA STATUS2 Oklahoma 400220 Bartlesville, City of 10/1/92 10/1/02 7 15 5 C 400207 Bixby, Town of 10/1/93 10/1/98 10 0 0 R 400078 Blackwell, City of 10/1/91 10/1/93 8 10 5 C 400236 Broken Arrow, City of 10/1/93 10/1/08 5 25 10 C 400234 Chickasha, City of 10/1/92 10/1/08 8 10 5 C 400221 Dewey, City of 10/1/92 10/1/92 9 5 5 C 400252 Edmond, City of 10/1/93 10/1/08 7 15 5 C 400062 Enid, City of 10/1/93 05/1/09 8 10 5 C 400049 Lawton, City of 10/1/91 05/1/09 6 20 10 C 400245 Lindsay, City of 10/1/92 10/1/93 10 0 0 R 400046 Norman, City of 10/1/11 10/1/11 5 25 10 C 400080 Ponca City, City of 05/1/10 05/1/10 6 20 10 C 400211 Sand Springs, City of 10/1/91 10/1/06 6 20 10 C 400053 Sapulpa, City of 10/1/92 10/1/93 10 0 0 R 405380 Stillwater, City of 10/1/91 05/1/12 6 20 10 C 405381 Tulsa, City of Oregon 10/1/91 10/1/03 2 40 10 C 410137 Albany, City of 10/1/91 05/1/12 6 20 10 C 410090 Ashland, City of 10/1/91 10/1/07 7 15 5 C 410043 Bandon, City of 05/1/05 05/1/10 10 0 0 R 410240 Beaverton, City of 10/1/91 10/1/94 10 0 0 R 410008 Benton County 10/1/02 10/1/07 6 20 10 C 410029 Cannon Beach, City of 10/1/94 10/1/99 7 15 5 C 410092 Central Point, City of 10/1/92 05/1/12 6 20 10 C 415588 Clackamas County 10/1/04 10/1/04 5 25 10 C 410009 Corvallis, City of 10/1/91 05/1/12 6 20 10 C 410059 Douglas County 10/1/00 10/1/00 8 10 5 C 410122 Eugene, City of 10/1/91 10/1/01 7 15 5 C 410108 Grants Pass, City of 10/1/92 05/1/12 9 5 5 C 410175 Heppner, City of 05/1/06 05/1/06 8 10 5 C 415589 Jackson County 10/1/91 05/1/02 7 15 5 C 415591 Lane County 05/1/09 05/1/09 7 15 5 C 410154 Marion County 04/1/01 05/1/07 6 20 10 C 410096 Medford, City of 10/1/94 05/1/09 8 10 5 C 410064 Myrtle Creek, City of 05/1/03 05/1/08 10 0 0 R 410200 Nehalam, City of 10/1/03 05/1/08 7 15 5 C 410021 Oregon City, City of 10/1/03 05/1/08 7 15 5 C 410186 Polk County 10/1/91 10/1/01 8 10 5 C 410183 Portland, City of 10/1/01 10/1/07 5 25 10 C 410201 Rockaway Beach, City of 10/1/04 10/1/09 7 15 5 C 410098 Rogue River, City of 10/1/92 05/1/02 7 15 5 C 410067 Roseburg, City of 10/1/94 10/1/99 8 10 5 C 410167 Salem, City of 05/1/08 10/1/09 7 15 5 C 410039 Scappoose, City of 10/1/93 05/1/08 7 15 5 C 410144 Scio, City of 05/1/04 05/1/10 8 10 5 C 410257 Sheridan, City of 10/1/01 10/1/01 8 10 5 C 410213 Stanfield, City of 10/1/91 10/1/03 8 10 5 C 410100 Talent, City of 10/1/00 05/1/06 9 5 5 C 410202 Tillamook, City of 10/1/06 05/1/11 7 15 5 C 410196 Tillamook County 04/1/01 04/1/01 6 20 10 C 410184 Troutdale, City of 05/1/08 05/1/08 8 10 5 C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones aretreated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS25 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NUMber COMMUNITY NAMe CrS eNTrY DATe CUrreNT eFFeCTIVe DATe CUrreNT CLASS % DISCOUNT FOr SFHA1 % DISCOUNT FOr NON-SFHA STATUS2 Pennsylvania 420339 Bloomsburg, Town of 10/1/93 10/1/03 8 10 5 C 422034 Chapman, Township of 10/1/07 10/1/07 9 5 5 C 420714 Danville, Borough of 10/1/06 10/1/06 8 10 5 C 421062 Etna, Borough of 10/1/96 05/1/04 8 10 5 C 421134 Granville, Township of 10/1/93 10/1/93 9 5 5 C 420608 Hanover Township 10/1/10 10/1/10 9 5 5 C 420380 Harrisburg, City of 10/1/91 05/1/12 7 15 5 C 420735 Herndon, Borough of 10/1/07 10/1/07 8 10 5 C 420642 Jersey Shore, Borough of 10/1/93 10/1/93 9 5 5 C 420612 Kingston, Borough of 10/1/92 10/1/92 9 5 5 C 420613 Kingston, Township of 10/1/92 04/1/93 10 0 0 R 420831 Lewisburg, Borough of 10/1/93 10/1/03 8 10 5 C 420687 Lewistown, Borough of 10/1/93 05/1/10 8 10 5 C 422105 Limestone, Township of 10/1/93 10/1/98 10 0 0 R 421040 Loyalsock, Township of 10/1/94 04/1/01 10 0 0 R 425384 Milton, Borough of 10/1/92 05/1/08 8 10 5 C 421020 Monroe, Township of 10/1/07 10/1/07 9 5 5 C 420754 Newport, Borough of 10/1/94 10/1/09 8 10 5 C 420739 Northumberland, Borough of 10/1/07 10/1/07 8 10 5 C 421024 Penn, Township of 10/1/07 10/1/07 8 10 5 C 421026 Point, Township of 10/1/07 10/1/10 10 0 0 R 425387 Selinsgrove, Borough of 10/1/07 10/1/07 7 15 5 C 421101 Shaler, Township of 10/1/94 10/1/04 8 10 5 C 420743 Sunbury, City of 10/1/07 10/1/07 8 10 5 C 420834 Union, Township of 10/1/93 10/1/98 10 0 0 R 420372 Upper Allen, Township of 10/1/92 10/1/97 10 0 0 R 420745 Upper Augusta, Township of 10/1/07 10/1/07 8 10 5 C 421119 Upper St. Clair, Township of 10/1/98 10/1/09 7 15 5 C 420631 Wilkes-Barre, City of Rhode Island 10/1/92 05/1/08 7 15 5 C 445401 Middletown, Town of 10/1/91 04/1/00 8 10 5 C 445402 Narragansett, Town of 10/1/92 10/1/07 8 10 5 C 445404 North Kingstown, Town of 10/1/93 10/1/93 9 5 5 C 440022 Pawtucket, City of SouthCarolina 10/1/02 10/1/07 10 0 0 R 450002 Aiken County 10/1/93 10/1/93 9 5 5 C 450262 Awendaw, Town of 10/1/96 10/1/05 6 20 10 C 450026 Beaufort, City of 10/1/92 05/1/08 8 10 5 C 450025 Beaufort County 10/1/91 05/1/12 6 20 10 C 450029 Berkeley County 05/1/08 05/1/08 9 5 5 C 450131 Cayce, City of 05/1/10 05/1/10 9 5 5 C 455412 Charleston, City of 10/1/93 05/1/05 7 15 5 C 455413 Charleston County 10/1/95 05/1/10 4 30 10 C 450056 Colleton County 05/1/05 05/1/07 7 15 5 C 455414 Edisto Beach, Town of 10/1/92 05/1/12 7 15 5 C 450078 Florence, City of 10/1/91 10/1/10 7 15 5 C 450076 Florence County 05/1/10 05/1/10 9 5 5 C 455415 Folly Beach, Township of 10/1/96 10/1/01 8 10 5 C 450087 Georgetown, City of 10/1/93 10/1/03 8 10 5 C 450085 Georgetown County 05/1/10 05/1/10 8 10 5 C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones are treated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS26 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NUMber COMMUNITY NAMe CrS eNTrY DATe CUrreNT eFFeCTIVe DATe CUrreNT CLASS % DISCOUNT FOr SFHA1 % DISCOUNT FOr NON-SFHA STATUS2 SouthCarolina(continued) 450091 Greenville, City of 10/1/91 10/1/04 7 15 5 C 450089 Greenville County 10/1/93 10/1/03 8 10 5 C 450250 Hilton Head Island, Town of 10/1/91 05/1/10 5 25 10 C 450037 Hollywood, Town of 10/1/10 10/1/10 6 20 10 C 450104 Horry County 10/1/10 10/1/10 9 5 5 C 455416 Isle of Palms, City of 10/1/94 10/1/04 7 15 5 C 450257 Kiawah Island, Town of 10/1/96 10/1/00 6 20 10 C 450129 Lexington County 10/1/91 10/1/07 8 10 5 C 450039 McClellanville, Town of 10/1/00 10/1/10 6 20 10 C 450040 Meggett, City of 10/1/96 10/1/05 6 20 10 C 455417 Mount Pleasant, City of 10/1/94 10/1/10 6 20 10 C 450109 Myrtle Beach, City of 10/1/91 05/1/03 5 25 10 C 450042 North Charleston, City of 05/1/03 10/1/07 7 15 5 C 450110 North Myrtle Beach, Town of 10/1/91 10/1/97 7 15 5 C 450255 Pawley’s Island, Town of 10/1/05 10/1/09 6 20 10 C 450166 Pickens County 04/1/99 05/1/04 8 10 5 C 450028 Port Royal, Town of 05/1/11 05/1/11 9 5 5 C 450043 Ravenel, Town of 10/1/96 10/1/05 6 20 10 C 450170 Richland County 10/1/95 10/1/10 8 10 5 C 450249 Rockville, Town of 10/1/98 10/1/05 6 20 10 C 450256 Seabrook Island, Town of 10/1/95 10/1/00 6 20 10 C 455418 Sullivans Island, Town of 05/1/04 10/1/10 6 20 10 C 450184 Sumter, City of 10/1/92 05/1/12 8 10 5 C 450182 Sumter County 10/1/92 05/1/12 8 10 5 C 450111 Surfside Beach, Town of 10/1/10 10/1/10 9 5 5 C 450193 York County SouthDakota 10/1/09 10/1/09 9 5 5 C 465420 Rapid City, City of Tennessee 10/1/92 10/1/02 8 10 5 C 470211 Athens, City of 10/1/93 10/1/09 8 10 5 C 470182 Bristol, City of 05/1/06 10/1/07 8 10 5 C 470176 Carthage, City of 10/1/92 10/1/02 8 10 5 C 475425 Elizabethton, City of 10/1/93 10/1/93 9 5 5 C 470105 Fayetteville, City of 10/1/92 10/1/93 10 0 0 R 475426 Gatlinburg, City of 10/1/93 10/1/09 8 10 5 C 470059 Humboldt, City of 10/1/93 10/1/96 10 0 0 R 470184 Kingsport, City of 10/1/92 10/1/97 10 0 0 R 475433 Knox County 10/1/02 10/1/02 9 5 5 C 475434 Knoxville, City of 10/1/92 10/1/06 8 10 5 C 470070 Morristown, City of 10/1/92 10/1/93 10 0 0 R 470040 Nashville, City of & Davidson County 10/1/91 10/1/06 8 10 5 C 470100 Ripley, Town of 10/1/91 10/1/96 10 0 0 R 475448 Spring City, Town of 10/1/92 10/1/97 10 0 0 R 470204 Williamson County Texas 10/1/08 10/1/08 9 5 5 C 485454 Arlington, City of 10/1/91 10/1/10 7 15 5 C 480624 Austin, City of 10/1/91 05/1/10 6 20 10 C 481193 Bastrop County 10/1/04 10/1/04 8 10 5 C 485456 Baytown, City of 10/1/91 05/1/06 6 20 10 C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones aretreated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS27 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NUMber COMMUNITY NAMe CrS eNTrY DATe CUrreNT eFFeCTIVe DATe CUrreNT CLASS % DISCOUNT FOr SFHA1 % DISCOUNT FOr NON-SFHA STATUS2 Texas(continued) 485457 Beaumont, City of 10/1/08 10/1/08 8 10 5 C 480289 Bellaire, City of 10/1/93 10/1/08 8 10 5 C 480586 Benbrook, City of 10/1/91 10/1/06 6 20 10 C 480878 Bevil Oaks, City of 05/1/10 10/1/11 7 15 5 C 480082 Bryan, City of 10/1/95 10/1/11 6 20 10 C 485459 Burleson, City of 10/1/91 05/1/12 7 15 5 C 480167 Carrollton, City of 10/1/91 10/1/01 7 15 5 C 485462 Cleburne, City of 10/1/92 10/1/92 9 5 5 C 480083 College Station, City of 05/1/10 05/1/10 7 15 5 C 480484 Conroe, City of 10/1/92 05/1/02 7 15 5 C 480170 Coppell, City of 10/1/93 10/1/08 7 15 5 C 485464 Corpus Christi, City of 10/1/91 10/1/91 9 5 5 C 480171 Dallas, City of 10/1/91 05/1/11 5 25 10 C 480291 Deer Park, City of 10/1/00 10/1/00 9 5 5 C 480194 Denton, City of 10/1/91 05/1/07 6 20 10 C 480774 Denton County 10/1/92 10/1/93 10 0 0 R 480173 Duncanville, City of 10/1/91 05/1/12 7 15 5 C 480214 El Paso, City of 10/1/91 10/1/91 9 5 5 C 485468 Friendswood, City of 10/1/91 10/1/03 5 25 10 C 485471 Garland, City of 10/1/91 10/1/97 7 15 5 C 485472 Grand Prairie, City of 10/1/91 05/1/12 5 25 10 C 480266 Guadalupe County 05/1/09 05/1/09 8 10 5 C 480287 Harris County 05/1/04 05/1/04 8 10 5 C 480296 Houston, City of 05/1/02 10/1/09 5 25 10 C 480601 Hurst, City of 10/1/92 10/1/02 8 10 5 C 485481 Kemah, City of 10/1/92 10/1/00 5 25 10 C 485487 LaPorte, City of 10/1/99 10/1/99 8 10 5 C 485488 League City, City of 10/1/92 05/1/11 8 10 5 C 480195 Lewisville, City of 10/1/91 10/1/96 7 15 5 C 480043 Live Oak, City of 05/1/10 05/1/10 7 15 5 C 480452 Lubbock, City of 10/1/92 10/1/93 8 10 5 C 480477 Midland, City of 10/1/92 10/1/94 8 10 5 C 480304 Missouri City, City of 05/1/10 05/1/10 7 15 5 C 485491 Nassau Bay, City of 10/1/92 05/1/09 7 15 5 C 480607 North Richland Hills, City of 10/1/91 05/1/09 6 20 10 C 480206 Odessa, City of 10/1/92 10/1/08 7 15 5 C 480307 Pasadena, City of 10/1/91 05/1/10 7 15 5 C 480077 Pearland, City of 05/1/05 10/1/10 7 15 5 C 481028 Pflugerville, City of 05/1/11 05/1/11 7 15 5 C 480140 Plano, City of 10/1/92 10/1/08 5 25 10 C 485499 Port Arthur, City of 10/1/91 10/1/91 9 5 5 C 480184 Richardson, City of 10/1/91 10/1/11 7 15 5 C 485505 San Marcos, City of 10/1/92 10/1/02 7 15 5 C 485507 Seabrook, City of 10/1/02 10/1/11 7 15 5 C 480234 Sugar Land, City of 05/1/10 05/1/10 7 15 5 C 481127 Sunset Valley, City of 05/1/10 05/1/10 8 10 5 C 480502 Sweetwater, City of 10/1/91 05/1/08 9 5 5 C 485513 Taylor Lake Village, City of 10/1/96 05/1/02 8 10 5 C 481585 Tiki Island, Village of 10/1/01 05/1/06 8 10 5 C 480654 Wharton, City of 10/1/11 10/1/11 8 10 5 C 480662 Wichita Falls, City of 10/1/91 10/1/07 8 10 5 C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones are treated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS28 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NUMber COMMUNITY NAMe CrS eNTrY DATe CUrreNT eFFeCTIVe DATe CUrreNT CLASS % DISCOUNT FOr SFHA1 % DISCOUNT FOr NON-SFHA STATUS2 Utah 490039 Bountiful, City of 10/1/91 10/1/91 9 5 5 C 490074 Cedar City, City of 10/1/94 10/1/96 10 0 0 R 490040 Centerville, City of 05/1/02 10/1/08 7 15 5 C 490019 Logan, City of 10/1/93 10/1/03 8 10 5 C 490072 Moab, City of 04/1/01 10/1/11 9 5 5 C 490214 North Ogden, City of 10/1/93 10/1/08 9 5 5 C 490216 Orem, City of 10/1/93 05/1/08 7 15 5 C 490159 Provo, City of 10/1/91 10/1/96 8 10 5 C 490178 Santa Clara, Town of 10/1/95 10/1/95 9 5 5 C 490177 St. George, City of 10/1/94 05/1/04 7 15 5 C 490052 West Bountiful, City of Vermont 10/1/96 10/1/96 9 5 5 C 500013 Bennington, Town of 10/1/93 10/1/93 9 5 5 C 500126 Brattleboro, Town of 10/1/91 10/1/91 9 5 5 C 505518 Montpelier, City of Virginia 10/1/98 10/1/98 9 5 5 C 510001 Accomack County 10/1/92 10/1/96 8 10 5 C 515519 Alexandria, City of 10/1/92 10/1/09 7 15 5 C 515520 Arlington County 10/1/92 10/1/08 8 10 5 C 510134 Bridgewater, Town of 10/1/96 05/1/06 8 10 5 C 510106 Cape Charles, Town of 05/1/10 05/1/10 9 5 5 C 510002 Chincoteague, City of 10/1/00 10/1/03 8 10 5 C 515525 Fairfax County 10/1/93 05/1/09 7 25 10 C 510054 Falls Church, City of 05/1/07 05/1/12 7 15 5 C 510071 Gloucester County 10/1/95 05/1/11 7 15 5 C 515527 Hampton, City of 05/1/11 05/1/11 8 10 5 C 510201 James City County 10/1/92 05/1/10 8 10 5 C 510090 Loudoun County 10/1/92 05/1/03 10 0 0 R 510104 Norfolk, City of 10/1/92 10/1/92 9 5 5 C 510183 Poquoson, City of 10/1/92 10/1/97 9 5 5 C 515529 Portsmouth, City of 10/1/92 10/1/00 9 5 5 C 510119 Prince William County 10/1/96 10/1/01 8 10 5 C 510130 Roanoke, City of 10/1/96 10/1/08 7 15 5 C 510190 Roanoke County 10/1/91 10/1/06 8 10 5 C 510154 Stafford County 05/1/11 05/1/11 8 10 5 C 510053 Vienna, Town of 10/1/96 10/1/11 8 10 5 C 510005 Wachapreague, Town of 10/1/96 10/1/96 9 5 5 C 510182 York County Washington 10/1/05 10/1/10 8 10 5 C 530073 Auburn, City of 10/1/92 05/1/08 5 25 10 C 530074 Bellevue, City of 10/1/92 05/1/06 5 25 10 C 530153 Burlington, City of 10/1/94 10/1/09 5 25 10 C 530103 Centralia, City of 10/1/94 10/1/09 5 25 10 C 530104 Chehalis, City of 10/1/94 05/1/10 5 25 10 C 530024 Clark County 10/1/04 10/1/09 5 25 10 C 530051 Ephrata, City of 10/1/00 05/1/10 7 15 5 C 530200 Everson, City of 10/1/94 10/1/09 7 15 5 C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones aretreated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS29 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY NUMber COMMUNITY NAMe CrS eNTrY DATe CUrreNT eFFeCTIVe DATe CUrreNT CLASS % DISCOUNT FOr SFHA1 % DISCOUNT FOr NON-SFHA STATUS2 Washington(continued) 530140 Fife, City of 05/1/06 10/1/09 5 25 10 C 530166 Index, Town of 04/1/98 05/1/08 6 20 10 C 530079 Issaquah, City of 10/1/92 05/1/08 5 25 10 C 530080 Kent, City of 05/1/10 05/1/10 6 20 10 C 530071 King County 10/1/91 10/1/07 2 40 10 C 530156 La Conner, Town of 10/1/96 05/1/12 7 15 5 C 530102 Lewis County 10/1/94 10/1/99 7 15 5 C 530316 Lower Elwha/Klallam Tribe 10/1/00 10/1/10 8 10 5 C 530331 Lummi Nation 05/1/10 05/1/10 8 10 5 C 530169 Monroe, City of 10/1/91 05/1/06 5 25 10 C 530158 Mount Vernon, City of 05/1/97 10/1/07 7 15 5 C 530085 North Bend, City of 10/1/95 05/1/06 6 20 10 C 530143 Orting, City of 05/1/08 10/1/09 6 20 10 C 530138 Pierce County 10/1/95 05/1/12 2 40 10 C 530088 Renton, City of 10/1/94 10/1/09 6 20 10 C 530151 Skagit County 04/1/98 10/1/08 4 30 10 C 535534 Snohomish County 05/1/06 10/1/10 4 30 10 C 530090 Snoqualmie, City of 10/1/92 05/1/02 5 25 10 C 530173 Sultan, City of 10/1/03 05/1/08 7 15 5 C 530204 Sumas, City of 10/1/93 05/1/08 7 15 5 C 530188 Thurston County 10/1/00 10/1/00 5 25 10 C 530193 Wahkiakum County 10/1/07 10/1/07 8 10 5 C 530067 Westport, City of 10/1/09 10/1/09 6 20 5 C 530198 Whatcom County 10/1/96 10/1/06 6 20 10 C 530217 Yakima County West Virginia 10/1/07 10/1/07 8 10 5 C 540282 Berkeley County 10/1/11 10/1/11 7 15 5 C 540199 Buckhannon, City of 05/1/07 05/1/07 8 10 5 C 540073 Charleston, City of 10/1/11 10/1/11 9 5 5 C 540065 Jefferson County 10/1/06 05/1/12 8 10 5 C 540004 Philippi, City of Wisconsin 05/1/03 05/1/03 8 10 5 C 550001 Adams County 10/1/91 05/1/12 7 15 5 C 550612 Allouez, Village of 10/1/92 05/1/12 6 20 10 C 550128 Eau Claire, City of 10/1/91 10/1/08 7 15 5 C 550578 Elm Grove, Village of 04/1/01 05/1/12 5 25 10 C 550366 Evansville, City of 05/1/10 05/1/10 7 15 5 C 550022 Green Bay, City of 10/1/91 10/1/01 7 15 5 C 555562 La Crosse, City of 10/1/91 10/1/02 8 10 5 C 550085 Mazomanie, Village of 10/1/91 05/1/12 8 10 5 C 550487 New Berlin, City of 10/1/05 05/1/10 7 15 5 C 550310 Ozaukee County 10/1/91 10/1/07 8 10 5 C 550660 Suamico, Village of 05/1/08 05/1/08 8 10 5 C 550107 Watertown, City of 10/1/91 10/1/07 7 15 5 C 550108 Waupun, City of 10/1/91 10/1/01 8 10 5 C 550537 Winnebago County 10/1/91 10/1/01 8 10 5 C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones are treated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS30 May 1, 2012 TABLE2.COMMUNITYRATINGSYSTEMELIGIBLECOMMUNITIES(continued) COMMUNITY CrS CUrreNT CUrreNT % DISCOUNT % DISCOUNT NUMber COMMUNITY NAMe eNTrY DATe eFFeCTIVe DATe CLASS FOr SFHA1 FOr NON-SFHA STATUS2 Wyoming 560037 Casper, City of 10/1/00 10/1/00 9 5 5 C 560030 Cheyenne, City of 05/1/03 05/1/03 7 15 5 C 560013 Douglas, City of 10/1/93 10/1/10 8 10 5 C 560029 Laramie County 05/1/03 05/1/03 8 10 5 C 560085 Park County 10/1/91 10/1/96 10 0 0 R 560044 Sheridan, City of 10/1/95 10/1/95 9 5 5 C Puerto Rico 720101 Ponce, Municipality of 10/1/09 10/1/09 9 5 5 C 1 Forthepurpose ofdeterminingCRSdiscounts, allARandA99Zones aretreated as non-SFHAs. 2Status: C=Current,R=Rescinded CRS31 May 1, 2012 GUIDANCE FOR SEVERE REPETITIVE LOSS PROPERTIES I. GENERAL DESCRIPTION The primary objective of the Severe Repetitive Loss (SRL) properties strategy is to eliminate or reduce the damage to residential property and the disruption to life caused by repeated flooding. Approximately 9,000 insured properties have been identified with a high frequency of losses or a high value of claims. As these policies come up for renewal, they will be transferred to the National Flood Insurance Program (NFIP) Servicing Agent’s Special Direct Facility (SDF). The close supervision the SDF provides the group of policies, and the attention the group of properties receives when mitigation decisions are made, contribute to attaining the strategy’s primary objective. The SRL group consists of any NFIP-insured residential property that has met at least 1 of the following paid flood loss criteria since 1978, regardless of ownership: • 4 or more separate claim payments of more than $5,000 each (including building and contents payments); or • 2 or more separate claim payments (building payments only) where the total of the payments exceeds the current value of the property. In either case, 2 of the claim payments must have occurred within 10 years of each other. Multiple losses at the same location within 10 days of each other are counted as 1 loss, with the payment amounts added together. The loss history includes all ownership of the property since 1978 or since the building’s construction if built after 1978. SRL properties with renewal dates of January 1, 2007, or later will be afforded coverage (new business or renewal) only through the SDF. The agent/producer of record will remain in that capacity while the policy is in the SDF. The NFIP Servicing Agent will pay the agent/producer of record the standard 15% commission that is paid on all NFIP Direct business. II. NOTIFICATION REQUIREMENTS Policies that renew on or after January 1, 2007, and meet the SRL criteria will be transferred to the SDF for policy issuance. Any policy that meets the SRL criteria during the current term will be transferred to the SDF with the subsequent renewal. As requests for review (discussed in “III. Dispute Resolution” below) are successful, and the Federal Emergency Management Agency (FEMA) or its designee approves properties for mitigation, policies will be transferred out of the SDF. When policies are to be transferred to the SDF, the NFIP Bureau and Statistical Agent (NFIP Bureau) will notify Write Your Own (WYO) Companies and the NFIP Servicing Agent at least 150 days prior to the expiration date. The companies will notify the affected policyholders, their agents/producers, and their lenders 90 days before expiration of the policy. This notice will explain that the policies are ineligible for coverage outside of the SDF. (See agent, lender, and policyholder SDF Notification Letters on pages SRL 3–8.) Offers to renew will be issued by the SDF approximately 45 days prior to the expiration date. III. DISPUTE RESOLUTION The designation of a property as an SRL property is basedonthe dataonfilewith theNFIP.If thepolicyholder believes that the claims history is inaccurate, or if the property has already been mitigated to reduce future flooding, the designation may be challenged. When a policyholder has documentation that the NFIP- insured property has not sustained the losses reported, a request for review may be presented, in writing, to the NFIP Bureau. All documentation to substantiate the review must be included with the request letter. The policy will remain in the SDF during the review. The policyholder and agent/producer will be notified of the results of the review. If the policyholder’s request for review is successful, and the policyholder requests that the policy be returned to the previous carrier, the SDF policy will be canceled and the full premium will be returned to the former carrier. Otherwise, the policy will be set up for release from the SDF at its next renewal. The carrier will write the policy using the SDF’s effective dates. If, however, a loss occurs both in the current term and before the policy can be returned to the former carrier, the SDF will continue to service the claim and will return the policy at the next renewal cycle, unless the new claim qualifies the property for the SDF. If FEMA has approved the property for mitigation efforts other than buyout or demolition, the property will be removed from the SDF at the next renewal. If the property is bought out or demolished under an approved FEMA mitigation project, and the mitigation efforts for the specific property are FEMA approved, the policy will be canceled and the pro-rata premium (less Federal Policy Fee and, if applicable, Probation Surcharge) will be refunded. When a property is bought SRL 1 OctOber 1, 2011 out or demolished, any commission chargeback to the agent/producer will be forgiven. IV. SEVERE REPETITIVE LOSS GRANT PROGRAM Through the Flood Insurance Reform Act of 2004 (FIRA 2004), Congress directed FEMA to develop a program to reduce future flood losses. The SRL Grant Program makes funding available for a variety of flood mitigation activities. Under this program, FEMA provides funds to state and local governments to make offers of assistance to NFIP-insured SRL residential property owners for mitigation projects that reduce future flood losses through: • Acquisition or relocation of at-risk structures and conversion of the property to open space; • Elevation of existing structures; or • Dry floodproofing of historic properties. SRL mitigation grants are provided to eligible applicant states/tribes/territories that, in turn, provide subgrants to local governments or communities. The applicant must have a FEMA-approved mitigation program in place that includes SRL properties. State and local officials will prioritize SRL properties within their jurisdictions for SRL grants. They may contact the policyholder directly to determine the appropriate mitigation activity that will most effectively reduce future flood losses and to advise them of their inclusion in the SRL grant application. If a grant is awarded, a written offer will be made to the policyholder. Participation in the SRL program is voluntary. However, SRL policyholders who refuse an offer of mitigation will be subject to an increase in their flood insurance premium rate equal to 150% of the chargeable rate for the property at the time the offer was made, as adjusted by any other premium adjustments otherwise applicable to the property. This increase will more accurately reflect the flood risk to the SRL property. Upon notification from FEMA of an SRL policyholder’s declining an offer of mitigation under this program, the SDF will send a Premium Increase Notification Letter (pages SRL 9–10) to notify all holders of recorded interest for the property. An SRL policyholder who has declined a mitigation offer may appeal the insurance premium rate increase within 90 days of the notification. The appeal must be based on 1 of the 6 provisions for appeal specified in the FIRA 2004. The SDF will postpone all rate increases for which a valid appeal was filed and will monitor the appeal’s progress. If the policy renewal falls within the appeal period, the SDF will send the Renewal Billing Letter shown on page SRL 11. However, if the policy renewal falls after the appeal period, the SDF will send the Renewal Billing Letter shown on page SRL 12. The law also provides for increased insurance premium rates if an SRL property whose owner declined an offer of mitigation incurs any subsequent flood loss with resulting NFIP payments in excess of $1,500 in aggregate. In this case, the premium rate will be increased an additional 50%, and the SDF will send the Renewal Billing Letter shown on page SRL 13. In no case will rate increases exceed the current actuarial rating for the structure. More detailed information regarding SRL grant availability, eligibility requirements, tools, and application instructions is available on the FEMA website at http://www.fema.gov/government/grant/ srl/index.shtm. SRL 2 MAY 1, 2011 Agent SDF Notification Letter, Page 1 SRL 3 OctOber 1, 2011 Agent SDF Notification Letter, Page 2 SRL 4 OctOber 1, 2011 Lender SDF Notification Letter, Page 1 SRL 5 OctOber 1, 2011 Lender SDF Notification Letter, Page 2 SRL 6 OctOber 1, 2011 Policyholder SDF Notification Letter, Page 1 SRL 7 OctOber 1, 2011 Policyholder SDF Notification Letter, Page 2 SRL 8 OctOber 1, 2011 Premium Increase Notification Letter, Page 1 SRL 9 OctOber 1, 2011 Premium Increase Notification Letter, Page 2 SRL 10 OctOber 1, 2011 Renewal Billing Letter Within Appeal Period SRL 11 OctOber 1, 2011 Renewal Billing Letter After Appeal Period SRL 12 OctOber 1, 2011 Renewal Billing Letter After Additional Loss SRL 13 OctOber 1, 2011 GUIDANCE FOR LEASED FEDERAL PROPERTIES I. GENERAL DESCRIPTION In accordance with the provisions of the Flood Insurance Reform Act of 2004, Sec. 106, the Federal Emergency Management Agency (FEMA) will begin charging actuarial rates for a Leased Federal Property (LFP), which is any property leased from the Federal Government (including residential and non-residential properties) that the Administrator determines is located on the river-facing side of any dike, levee, or other riverine flood-control structure, or seaward of any seawall or other coastal flood-control structure. A list of property addresses meeting this description has been provided to FEMA by the U.S. Army Corps of Engineers. Actuarial rates will apply to all new and renewal policies with effective dates on or after October 1, 2009, that meet these criteria. II. NOTIFICATION REQUIREMENTS The National Flood Insurance Program (NFIP) maintains a list of LFP addresses available only to insurers. The insurer must determine whether property addresses for new or existing business appear on this list. Policies that have an address match must be rated using actuarial rates in accordance with the procedures below. The insurer must notify existing policyholders (and their agents/producers and lenders) at least 120 days before renewal that their property has been identified as being located on the river-facing side of any dike, levee, or other riverine flood-control structure, or seaward of any seawall or other coastal flood-control structure. The notice must include the requirement for such policies to be rated using actuarial rates. Sample notification letters have been provided at the end of this section that can be altered to work with a company’s billing cycle as necessary. In order to establish the actuarial rate, the insurer must obtain a FEMA Elevation Certificate (EC), which provides current Flood Insurance Rate Map (FIRM) information and elevations. At least 2 photographs (front and back) of the building must also be submitted. If the EC is not received within 45 days from the date of notice, the renewal policy may be canceled or nullified, or it may be issued using tentative rates. Tentative rates use Risk Rating Method code “F,” which is part of the Transaction Record Reporting and Processing (TRRP) Plan. The use of tentative rates must follow the established tentative rate procedure, which includes informing the parties of the missing information that prevents the policy from being rated actuarially. Additionally, the claim settlement procedure, when a tentatively rated property suffers a loss, must also be included in the information presented with the tentative rates. Policies that are within the 120-day window prior to renewal will not receive the Leased Federal Property notice until the subsequent renewal. III. TENTATIVE RATES Tentative rates (see table on page LFP 2) are used to issue policies when the underwriting information necessary to determine actuarial rates has not been obtained. Tentative rates are generally higher than actuarial rates. If the premium payment received is not sufficient to purchase the coverage limits requested, the policy will be issued with the coverage limits that can be purchased for the premium received, based on tentative rates. When tentative rates are applied, a declarations page and a Tentative Rate Letter will be forwarded to the policyholder, agent/producer, and mortgagee (if any), requesting the necessary information so that the proper rate can be determined. Tentatively rated policies cannot be endorsed to increase coverage limits, or renewed for another policy term, until the required actuarial rating information and full premium payment are received. If a loss occurs on a tentatively rated property, payment will be limited by the amount of coverage that the initially submitted premium will purchase using the correct actuarial rating information. IV. APPEALS The notice to policyholders must inform them that they can challenge their properties’ inclusion on the Leased Federal Properties list by submitting documentation refuting the information that placed them on the list. One example of acceptable documentation is a letter from a community official or land surveyor stating that the property is not located on the river-facing side of any dike, levee, or other riverine flood-control structure, or seaward of any seawall or other coastal flood-control structure. Another example is documentation showing that the insured, and not the Federal Government, owns the property. This information should be submitted to insurer, who will then process the request and forward it to FEMA for final review and determination. If FEMA approves the appeal, the property will be removed from the list and the building may continue to be rated as it was previously. If the policyholder does not provide acceptable documentation, or the appeal has been denied, the property will remain on the list. The insurer has the following options. LFP 1 May 1, 2011 • A new policy can be issued or an existing policy needed to establish an actuarial rate for the policy has renewed for a single policy term using tentative been received. rates. If the policyholder does not provide acceptable Any flood loss occurring after notifying the policyholder documentation prior to the next policy expiration of the property’s inclusion in the subset of properties date, the company must non-renew the policy. cannot be settled until the insurer receives the • The renewal policy can be canceled or nullified appropriate underwriting documentation (i.e., new EC in accordance with the Write Your Own (WYO) and photographs) or proof that the property should not Company’s business practices. have been placed on the list. Claims relating to a tentatively rated policy will not be processed until the required underwriting information TABLE 1. TENTATIVE RATES TABLE1 RATES PER $100 OF COVERAGE (Basic/Additional) FIRM Zones A, Ae, A1–A30, Ao, AH RATes BUILDInG TYPe BUILDInG ConTenTs NON-ELEVATED, NO BASEMENT BASIC LIMITS ADDITIONAL LIMITS BASIC LIMITS ADDITIONAL LIMITS 1–4 Family 4.00 3.00 6.00 4.00 Other Residential 6.00 4.00 6.00 4.00 Non-Residential 6.00 4.00 8.00 8.00 NON-ELEVATED WITH BASEMENT/ ELEVATED BUILDING2 BASIC LIMITS ADDITIONAL LIMITS BASIC LIMITS ADDITIONAL LIMITS 1–4 Family 2.00 2.00 2.00 2.00 Other Residential 3.00 3.00 2.00 2.00 Non-Residential 3.00 3.00 3.00 3.00 FIRM Zones V, V1–V30, Ve RATes BUILDInG TYPe BUILDInG ConTenTs NON-ELEVATED, NO BASEMENT BASIC LIMITS ADDITIONAL LIMITS BASIC LIMITS ADDITIONAL LIMITS 1–4 Family 8.00 8.00 11.00 11.00 Other Residential 11.00 11.00 11.00 11.00 Non-Residential 11.00 11.00 11.00 11.00 NON-ELEVATED WITH BASEMENT/ ELEVATED BUILDING2 BASIC LIMITS ADDITIONAL LIMITS BASIC LIMITS ADDITIONAL LIMITS 1–4 Family 5.00 5.00 5.00 5.00 Other Residential 7.00 7.00 5.00 5.00 Non-Residential 7.00 7.00 7.00 7.00 1 Use of this table is subject to the provisions found in the Tentative Rates subsection in the Rating section. 2 The basement/elevated building rates should be used only if the submitted information indicates that the risk is constructed as an elevated building or has a basement as defined by the NFIP. LFP 2 OctOber 1, 2011 Sample Policyholder Notification Letter IMPORTANT FLOOD INSURANCE POLICY INFORMATION Insured’s Name: Property Address: Policy Number: Dear Policyholder: This letter is to inform you that your property, which is covered by flood insurance, meets the criteria for a new subset of properties that must be charged actuarial rates, in accordance with the provisions of the Flood Insurance Reform Act of 2004, Sec. 106. In accordance with the law, the Federal Emergency Management Agency (FEMA) must charge actuarial rates for any property meeting the following criteria: (1) Leased from the Federal Government, and (2) Located on the river-facing side of any dike, levee, or other riverine flood control structure, or seaward of any seawall or other coastal flood control structure. In order for an actuarial rate to be developed, proper underwriting documentation, including a FEMA Elevation Certificate using current Flood Insurance Rate Map data and two photographs showing the front and back of the building, must be submitted to your flood insurer. The insurer must receive this information within 45 days of receipt of this notice to allow for rate calculation and processing of the renewal bill. If your insurer does not receive the requested underwriting information in sufficient time to meet their renewal billing cycle, they can only renew the flood policy using tentative rates. Please be advised that a policy with tentative rates cannot be endorsed to increase limits or be renewed. In the event of a loss a tentatively rated policy will not receive a claim settlement until actuarial rates are determined. These rates, along with the amount of premium originally submitted, will determine the coverage available. You may appeal this determination by furnishing your insurer with documentation verifying that your property does not meet the criteria listed above. Your insurance agent has also received this notice concerning your property. If you have questions about the information in this letter, please contact (your company name and telephone number). LFP 3 May 1, 2011 Sample Agent Notification Letter IMPORTANT FLOOD INSURANCE POLICY INFORMATION Insured’s Name: Property Address: Policy Number: Dear Agent: This letter is to inform you that your client’s property, which is covered by flood insurance, meets the criteria for a new subset of properties that must be charged actuarial rates, in accordance with the provisions of the Flood Insurance Reform Act of 2004, Sec. 106. In accordance with the law, the Federal Emergency Management Agency (FEMA) must charge actuarial rates for any property meeting the following criteria: (1) Leased from the Federal Government, and (2) Located on the river-facing side of any dike, levee, or other riverine flood control structure, or seaward of any seawall or other coastal flood control structure. In order for an actuarial rate to be developed, proper underwriting documentation, including a FEMA Elevation Certificate using current Flood Insurance Rate Map data and two photographs showing the front and back of the building, must be submitted to the writing company. The writing company must receive this information within 45 days of receipt of this notice to allow for rate calculation and processing of the renewal bill. A writing company that does not receive the requested underwriting information in sufficient time to meet their renewal billing cycle can only renew the flood policy using tentative rates. Please be advised that a policy with tentative rates cannot be endorsed to increase limits or be renewed. In the event of a loss a tentatively rated policy will not receive a claim settlement until actuarial rates are determined. These rates, along with the amount of premium originally submitted, will determine the coverage available. Your client may appeal this determination by furnishing the writing company with documentation verifying that the property does not meet the criteria listed above. This notice has also been sent to your client. If you have questions about the information in this letter, please contact (your company name and telephone number). LFP 4 May 1, 2011 Sample Lender Notification Letter IMPORTANT FLOOD INSURANCE POLICY INFORMATION Insured’s Name: Property Address: Policy Number: Dear Lender: This letter is to inform you that your client’s property, which is covered by flood insurance, meets the criteria for a new subset of properties that must be charged actuarial rates, in accordance with the provisions of the Flood Insurance Reform Act of 2004, Sec. 106. In accordance with the law, the Federal Emergency Management Agency (FEMA) must charge actuarial rates for any property meeting the following criteria: (1) Leased from the Federal Government, and (2) Located on the river-facing side of any dike, levee, or other riverine flood control structure, or seaward of any seawall or other coastal flood control structure. In order for an actuarial rate to be developed, proper underwriting documentation, including a FEMA Elevation Certificate using current Flood Insurance Rate Map data and two photographs showing the front and back of the building, must be submitted to the writing company. The writing company must receive this information within 45 days of receipt of this notice to allow for rate calculation and processing of the renewal bill. A writing company that does not receive the requested underwriting information in sufficient time to meet their renewal billing cycle can only renew the flood policy using tentative rates. Please be advised that a policy with tentative rates cannot be endorsed to increase limits or be renewed. In the event of a loss a tentatively rated policy will not receive a claim settlement until actuarial rates are determined. These rates, along with the amount of premium originally submitted, will determine the coverage available. Your client may appeal this determination by furnishing the writing company with documentation verifying that the property does not meet the criteria listed above. This notice has also been sent to your client and their insurance agent. If you have questions about the information in this letter, please contact (your company name and telephone number). LFP 5 May 1, 2011 DEFINITIONS This list of terms is intended to include those that have specific meaning to the National Flood Insurance Program (NFIP). In a few instances, standard industry terms have been added for additional focus and emphasis. Act.The National Flood Insurance Act of 1968 and any amendments to it. Actual Cash Value (ACV). The cost to replace an insured item of property at the time of loss, less the value of its physical depreciation. Adjuster ControlOffice. An NFIP claims office similar to a Flood Insurance Claims Office (FICO) with the exception that the Adjuster Control Office does not house insured files, maintain a claims examiner staff at the site, or issue claim payments. Alternative Rating. A rating method used when a building is Pre-FIRM, the Flood Insurance Rate Map (FIRM) zone is unknown, and the community in which the building is located has no V Zones. May also be used for renewal of policies in communities that have converted from the Emergency Program to the Regular Program during a policy’s term. Anchored. Adequately secured to prevent flotation, collapse, or lateral movement. Application. The statement made and signed by the prospective policyholder or the agent/producer in applying for an NFIP flood insurance policy. The Application gives information used to determine the eligibility of the risk, the kind of policy to be issued, and the correct premium payment. The Application is part of the flood insurance policy. For a policy to be issued, the correct premium payment must accompany the Application. Appurtenant Structure.A detached garage servicing a 1–4 family dwelling. Assignment. The transfer by a policyholder of his/her legal right or interest in a policy contract to a third party. In the NFIP, written assignment of a policy is permissible upon transfer of title, without the consent of the FEMA, except in the case where a residential (household) contents-only policy is involved or a policy was issued to cover a building in the course of construction. BaseFlood.A flood having a 1% chance of being equaled or exceeded in any given year. BaseFloodDepth(BFD).The depth shown on the Flood Insurance Rate Map (FIRM) for Zone AO that indicates the depth of water above highest adjacent grade resulting from a flood that has a 1% chance of equaling or exceeding that level in any given year. Base Flood Elevation(BFE). The elevation of surface water resulting from a flood that has a 1% chance of equaling or exceeding that level in any given year. The BFE is shown on the Flood Insurance Rate Map (FIRM) for zones AE, AH, A1–A30, AR, AR/A, AR/AE, AR/A1– A30, AR/AH, AR/AO, V1–V30, and VE. Basement.Any area of the building, including any sunken room or sunken portion of a room, having its floor below ground level (subgrade) on all sides. BinderorCertificateofInsurance.A temporary agreement between company, agent/producer, and insured that the policy is in effect. The NFIP does not recognize binders. However, for informational purposes only, the NFIP recognizes Certificates of Insurance and similar forms for renewal policies. BlanketInsurance.A single amount of insurance applying to more than 1 building and/or contents. Blanket insurance is not permitted under the NFIP. BreakawayWall.A wall that is not part of the structural support of a building and is intended through its design and construction to collapse under specific lateral loading forces, without causing damage to the elevated portion of the building or supporting foundation system. Building. •A structure with 2 or more outside rigid walls and a fully secured roof, that is affixed to a permanent site; or •A manufactured home (a “manufactured home,” also known as a mobile home, is a structure built on a permanent chassis, transported to its site in 1 or more sections, and affixed to a permanent foundation); or •A travel trailer without wheels, built on a chassis and affixed to a permanent foundation, that is regulated under the community’s floodplain management and building ordinances or laws. “Building” does not mean a gas or liquid storage tank or a recreational vehicle, a park trailer, or other similar vehicle, except as described above. Buildinginthe Courseof Construction. A walled and roofed building (see the General Rules section for exception) that is principally above ground and affixed to a permanent site. It does not include building materials or supplies intended for use in construction, alteration, or repair unless such materials or supplies are within an enclosed building on the premises. DEF1 OctOber 1, 2011 Cancellation. The termination of the insurance coverage provided by a policy before the expiration date. Cistern. Covered cisterns and the water in them are defined as an integral part of an insurable building, meaning under the building or above ground and physically attached to a side of the building with 1 of the walls of the building and cistern being common to each other. Claims Coordinating Office (CCO). A clearinghouse for the various insurers who are responding to a multi- peril catastrophe. Through voluntary participation, all losses are reported to the CCO and are processed to locate address matches among the reported claims. The interest of each carrier is protected as the Claims Coordinator maintains sole control over the policy and loss information. If a match is found, special care is taken to direct the assigned adjuster(s) to a mutually agreeable adjustment or to have 1 adjuster surrender his/her loss with the assurance that every effort will be made to replace it. Closed Basin Lake. A natural lake from which water leaves primarily through evaporation and whose surface area exceeds or has exceeded 1 square mile at any time in the recorded past. NFIP-insured buildings that are subject to continuous lake flooding from a closed basin lake are covered under the provisions of Standard Flood Insurance Policy (SFIP). CoastalBarrier. A naturally occurring island, sandbar, or other strip of land, including coastal mainland, that protects the coast from severe wave wash. Coastal Barrier Improvement Act of 1990 (CBIA). Enacted on November 16, 1990, the Act greatly expanded the identified land in the Coastal Barrier Resources System (CBRS) established pursuant to the Coastal Barrier Resources Act (CBRA) of 1982. CoastalBarrierResourcesAct of1982(CBRA). For the purposes of the NFIP, the CBRA of 1982 designated certain portions of the Gulf Coast and East Coast as undeveloped coastal barriers. These areas are shown on appropriate flood insurance map panels and have certain coverage restrictions. Coastal Barrier Resources System (CBRS). Communities, coastal barriers, and Otherwise Protected Areas (OPAs) identified by the legislation defined above. Coastal High Hazard Areas. Special Flood Hazard Areas (SFHAs) along the coasts that have additional hazards due to wind and wave action. These areas are identified on Flood Insurance Rate Maps (FIRMs) as zones V, V1–V30, and VE. Coinsurance. A penalty imposed on the loss payment unless the amount of insurance carried on the damaged building is at least 80% of its replacement cost or the maximum amount of insurance available for that building under the NFIP, whichever is less. Coinsurance applies only to building coverage under the Residential Condominium Building Association Policy (RCBAP). Community. A political entity that has the authority to adopt and enforce floodplain ordinances for the area under its jurisdiction. Community Number. A 6-digit designation identifying each NFIP community. The first 2 numbers are the state code. The next 4 are the FEMA-assigned community number. An alphabetical suffix is added to a community number to identify revisions in the Flood Insurance Rate Map (FIRM) for that community. CommunityRatingSystem(CRS).Aprogramdeveloped by FEMA to provide incentives for those communities in the Regular Program that have gone beyond the minimum floodplain management requirements to develop extra measures to provide protection from flooding. Condominium. That form of ownership of real property in which each unit owner has an undivided interest in common elements. Condominium Association. The entity made up of the unit owners responsible for the maintenance and operation of the following: •Common elements owned in undivided shares by unit owners •Other real property in which the unit owners have use rights; where membership in the entity is a required condition of unit ownership. Contract Agent. An employee of a Write Your Own (WYO) Company, or an agent/producer under written contract with a WYO Company, empowered to act on the company’s behalf and with authority to advise an applicant for flood insurance that the company will accept the risk. Countywide Map. A Flood Insurance Rate Map (FIRM) that shows flooding information for the entire geographic area of a county, including the incorporated communities within the county. Crawlspace. An under-floor space that has its interior floor area (finished or not) no more than 5 feet below the top of the next-higher floor. Crawlspaces generally have solid foundation walls. See Diagram 8 in the Elevation Certificate Instructions. DEF2 May 1, 2011 DateofConstruction.The date that the building permit was issued, provided the actual start of construction, repair, reconstruction, or improvement was within 180 days of the permit date. DeclarationsPage.A computer-generated summary of information provided by the prospective policyholder in the application for flood insurance. The declarations page also describes the term of the policy and the limits of coverage and displays the premium and the insurer’s name. The declarations page is a part of the flood insurance policy. Deductible Buyback. The option whereby, for an additional premium, policyholders who wish to reduce their deductibles from the standard deductibles of $2,000 per building loss and per contents loss for Pre- FIRM risks may purchase separate $1,000 deductibles for building and contents coverages. Described Location. The location where the insured building or personal property is found. The described location is shown on the declarations page. Diagram Number. Any of the numbers used in the instructions to the NFIP Elevation Certificate to identify the diagrams of the main types of buildings. DirectPhysicalLossByorFromFlood.Loss or damage to insured property, directly caused by a flood. There must be evidence of physical changes to the property. Doublewide Manufactured (Mobile) Home. A manufactured (mobile) home that, when assembled as a nonmovable, permanent building, is at least 16 feet wide and has an area within its perimeter walls of at least 600 square feet. Dwelling. A building designed for use as a residence for no more than 4 families or a single-family unit in a building under the condominium form of ownership. DwellingForm. See “Standard Flood Insurance Policy (SFIP) – Dwelling Form.” ElevatedBuilding.A building that has no basement and that has its lowest elevated floor raised above ground level by foundation walls, shear walls, posts, piers, pilings, or columns. Solid perimeter foundation walls are not an acceptable means of elevating buildings in V and VE Zones. EmergencyProgram.The initial phase of a community’s participation in the NFIP. During this phase, only limited amounts of insurance are available under the Act. Enclosure. That portion of an elevated building below the lowest elevated floor that is either partially or fully shut in by rigid walls. Erosion. The collapse, undermining, or subsidence of land along the shore of a lake or other body of water. Erosion is a covered peril if it is caused by waves or currents of water exceeding their cyclical levels which result in flooding. FederalEmergencyManagementAgency(FEMA).The Federal agency under which the NFIP is administered. In March 2003, FEMA became part of the newly created U.S. Department of Homeland Security. FederalPolicyFee.A flat charge that the policyholder must pay on each new or renewal policy to defray certain administrative expenses incurred in carrying out the NFIP. Financial Assistance/Subsidy Arrangement. The arrangement between an insurance company and FEMA to initiate the company’s participation in the Write Your Own (WYO) Program. It establishes the duties of the company and the government. Finished(Habitable) Area. An enclosed area having more than 20 linear feet of finished interior walls (paneling, etc.) or used for any purpose other than solely for parking of vehicles, building access, or storage. Flood. •A general and temporary condition of partial or complete inundation of 2 or more acres of normally dry land area or of 2 or more properties (at least 1 of which is the policyholder’s property) from: º Overflow of inland or tidal waters; º Unusual and rapid accumulation or runoff of surface waters from any source; or º Mudflow; or •Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above. FloodHazardBoundaryMap(FHBM). Official map of a community issued by FEMA, where the boundaries of the flood, mudflow, and related erosion areas having special hazards have been designated. FloodInsurance ClaimsOffice(FICO).An NFIP claims processing office set up in a catastrophe area when a sufficient number of flood claims result from a single event. Flood Insurance Rate Map (FIRM). Official map of a community on which FEMA has delineated the Special Flood Hazard Areas (SFHAs), the Base Flood Elevations (BFEs), and the risk premium zones applicable to the community. DEF3 May 1, 2011 Flood Response Office (FRO). The FRO provides a local presence in an affected area and supports the Write Your Own (WYO) Companies, the NFIP Servicing Agent, and various Federal, state, and local officials in providing answers to claims coverage questions, forms for claims handling, and survey and statistical input. One of the key requirements of personnel at the FRO is to coordinate and conduct re- inspections of WYO and NFIP Direct losses. The FRO also tracks adjuster performance and provides such information to interested WYO Companies and the NFIP Servicing Agent. Floodplain. Any land area susceptible to being inundated by floodwaters from any source. Floodplain Management. The operation of an overall program of corrective and preventive measures for reducing flood damage, including but not limited to emergency preparedness plans, flood-control works, and floodplain management regulations. Floodproofing. Any combination of structural and nonstructural additions, changes, or adjustments to structures, which reduce or eliminate risk of flood damage to real estate or improved real property, water and sanitation facilities, or structures with their contents. Foundation Walls. Masonry walls, poured concrete walls, or precast concrete walls that support the weight of a building. Freeboard. An additional amount of height above the Base Flood Elevation (BFE) used as a factor of safety (e.g., 2 feet above the Base Flood) in determining the level at which a building’s lowest floor must be elevated or floodproofed to be in accordance with state or community floodplain management regulations. GeneralPropertyForm.See “Standard Flood Insurance Policy (SFIP) – General Property Form.” GradeElevation.The lowest or highest finished ground level that is immediately adjacent to the walls of the building. Use natural (pre-construction), ground level, if available, for Zone AO and Zone A (without BFE). Grandfathering.An exemption based on circumstances previously existing. •Under NFIP statutory grandfathering, buildings located in Emergency Program communities and Pre- FIRM buildings in the Regular Program are eligible for subsidized flood insurance rates. •Under NFIP administrative grandfathering, Post-FIRM buildings in the Regular Program built in compliance with the floodplain management regulations in effect at the start of construction will continue to have favorable rate treatment even though higher Base Flood Elevations (BFEs) or more restrictive, greater risk zone designations result from Flood Insurance Rate Map (FIRM) revisions. Policyholders who have remained loyal customers of the NFIP by maintaining continuous coverage (since coverage was first obtained on the building) are also eligible for administrative grandfathering. Group Flood Insurance. Issued by the NFIP Direct Program in response to a Presidential disaster declaration. Disaster assistance applicants, in exchange for a modest premium, receive a minimum amount of building and/or contents coverage for a 3-year policy period. An applicant may cancel the group policy at any time and secure a regular Standard Flood Insurance Policy (SFIP) through the NFIP. High-Rise Building. High-rise condominium buildings have 5 or more units and at least 3 floors excluding enclosure even if it is the lowest floor for rating purposes. An enclosure below an elevated building, even if it is the lowest floor for rating purposes, cannot be counted as a floor to avoid classifying the building as low rise. Under the NFIP, townhouses/rowhouses are not considered high-rise buildings, regardless of the number of floors. HistoricBuilding.Any building that is: •Listed individually in the National Register of Historic Places (a listing maintained by the Department of the Interior) or preliminarily determined by the Secretary of the Interior as meeting the requirements for individual listing on the National Register; or •Certified or preliminarily determined by the Secretary of the Interior as contributing to the historical significance of a registered historic district or a district preliminarily determined by the Secretary of the Interior to qualify as a registered historic district; or •Individually listed in a state inventory of historic places in states with preservation programs that have been approved by the Secretary of the Interior; or •Individually listed on a local inventory of historic places in communities with historic preservation programs that have been certified either: º By an approved state program as determined by the Secretary of the Interior; or º Directly by the Secretary of the Interior in states without approved programs. Improvements andBetterments.Fixtures, alterations, installations, or additions made or acquired solely at a tenant’s expense and comprising part of an insured building. Increased Cost of Compliance (ICC). Coverage for expenses that a property owner must incur, above and beyond the cost to repair the physical damage the building actually sustained from a flooding event, to DEF4 OctOber 1, 2011 comply with mitigation requirements of state or local floodplain management ordinances or laws. Acceptable mitigation measures are elevation, floodproofing, relocation, demolition, or any combination thereof. Letter ofDeterminationReview(LODR).FEMA’s ruling on the determination made by a lender or third party that a borrower’s building is in a Special Flood Hazard Area (SFHA). A LODR deals only with the location of a building relative to the SFHA boundary shown on the Flood Insurance Rate Map (FIRM). Letter ofMapAmendment(LOMA). An amendment to the currently effective FEMA map which establishes that a property is not located in a Special Flood Hazard Area (SFHA). A LOMA is issued only by FEMA. Letter of Map Revision (LOMR). An official amendment to the currently effective FEMA map. It is issued by FEMA and changes flood zones, delineations, and elevations. LossinProgress.A loss that is already in progress as of 12:01 a.m. on the first day of the policy term; or, as to any increase in the limits of coverage which is requested, a loss that is already in progress when the additional coverage is requested. LowestAdjacentGrade.The lowest point of the ground level immediately next to a building. LowestFloor. The lowest floor of the lowest enclosed area (including a basement). An unfinished or flood- resistant enclosure, usable solely for parking of vehicles, building access, or storage in an area other than a basement area, is not considered a building’s lowest floor provided that such enclosure is not built so as to render the structure in violation of requirements. LowestFloorElevation(LFE).The measured distance of a building’s lowest floor above the National Geodetic Vertical Datum (NGVD) or other datum specified on the FIRM for that location. Low-Rise Building. Low-rise condominium buildings have fewer than 5 units regardless of the number of floors or 5 or more units with fewer than 3 floors including basement. All townhouses/rowhouses, regardless of the number of floors or units, and all single-family detached condominium buildings are classified as low rise. An enclosure below an elevated building, even if it is the lowest floor for rating purposes, cannot be counted as a floor to avoid classifying the building as low rise. Mandatory Purchase. Under the provisions of the Flood Disaster Protection Act of 1973, individuals, businesses, and others buying, building, or improving property located in identified areas of special flood hazards within participating communities are required to purchase flood insurance as a prerequisite for receiving any type of direct or indirect Federal financial assistance (e.g., any loan, grant, guaranty, insurance, payment, subsidy, or disaster assistance) when the building or personal property is the subject of or security for such assistance. Manufactured (Mobile) Home. A structure built on a permanent chassis, transported to its site in 1 or more sections, and affixed to a permanent foundation. “Manufactured (mobile) home” does not include recreational vehicles. Manufactured (Mobile) Home Park or Subdivision, Existing. A manufactured (mobile) home park or subdivision for which the construction of facilities for servicing the lots on which the manufactured (mobile) homes are to be affixed (including, at a minimum, the installation of utilities, the construction of streets, and either final site grading or the pouring of concrete pads) is completed on or before December 31, 1974, or before the effective date of the community’s initial Flood Insurance Rate Map (FIRM), whichever is later. Manufactured (Mobile) Home Park or Subdivision, Expansion to Existing Site. The preparation of additional sites by the construction of facilities for servicing the lots on which manufactured (mobile) homes are to be affixed (including the installation of utilities, the construction of streets, and either final site grading or the pouring of concrete pads). Manufactured (Mobile) Home Park or Subdivision, New.A manufactured (mobile) home park or subdivision for which the construction of facilities for servicing the lots on which the manufactured (mobile) homes are to be affixed (including, at a minimum, the installation of utilities, the construction of streets, and either final site grading or the pouring of concrete pads) is completed after December 31, 1974, or on or after the effective date of the community’s initial Flood Insurance Rate Map (FIRM), whichever is later. MapRevision.A change in the Flood Hazard Boundary Map (FHBM) or Flood Insurance Rate Map (FIRM) for a community which reflects revised zone, base flood, or other information. Masonry Walls. Walls constructed of individual components laid in and bound together with mortar. These components can be brick, stone, concrete block, etc. ModularBuilding.A building that is usually transported to its site on a steel frame or special trailer because it does not have a permanent chassis like a manufactured (mobile) home. A modular building is classified and rated under 1 of the other building types. DEF5 OctOber 1, 2011 Mortgage Portfolio Protection Program (MPPP). A program designed to help lending institutions maintain compliance with the Flood Disaster Protection Act of 1973, as amended. Policies written under the MPPP can be placed only through a Write Your Own (WYO) Company. Mudflow. A river of liquid and flowing mud on the surfaces of normally dry land areas, as when earth is carried by a current of water. Other earth movements, such as landslide, slope failure, or a saturated soil mass moving by liquidity down a slope, are not mudflows. National Flood Insurance Program (NFIP). The program of flood insurance coverage and floodplain management administered under the Act and applicable Federal regulations promulgated in Title 44 of the Code of Federal Regulations, Subchapter B. NationalGeodeticVerticalDatum(NGVD) of1929. National standard reference datum for elevations, formerly referred to as Mean Sea Level (MSL) of 1929. NGVD 1929 may be used as the reference datum on some Flood Insurance Rate Maps (FIRMs). Natural Grade. The grade unaffected by construction techniques such as fill, landscaping, or berming. New Construction. Buildings for which the “start of construction” commenced on or after the effective date of an initial Flood Insurance Rate Map (FIRM) or after December 31, 1974, whichever is later, including any subsequent improvements. NFIP Bureau and Statistical Agent. A corporation, partnership, association, or any other organized entity that contracts with FEMA to be the focal point of support operations for the NFIP. NFIP Servicing Agent. A corporation, partnership, association, or any other organized entity that contracts with FEMA to service insurance policies as direct business. NFIP Special Direct Facility(SDF). Formed in 2000, a branch of the NFIP Servicing Agent to which Write Your Own (WYO) Companies transfer renewals for identified Severe Repetitive Loss (SRL) properties so that mitigation assistance can be offered to the policyholders. NorthAmericanVerticalDatum(NAVD)of1988. The vertical control datum established for vertical control surveying in the United States of America based upon the General Adjustment of the North American Datum of 1988. It replaces the National Geodetic Vertical Datum (NGVD) of 1929. Non-Residential Building (including hotel/motel). This is a commercial or non-habitational building, or a mixed-use building that does not qualify as a residential building. This category includes, but is not limited to, small businesses, churches, schools, farm buildings (including grain bins and silos), garages, poolhouses, clubhouses, recreational buildings, mercantile buildings, agricultural and industrial buildings, warehouses, nursing homes, licensed bedand- breakfasts, and hotels and motels with normal room rentals for less than 6 months. Nullification. The act of declaring an insurance contract invalid from its inception so that, from a legal standpoint, the insurance contract never existed. Other Residential Building. This is a residential building that contains more than 4 apartments/units. This category includes condominium and apartment buildings as well as hotels, motels, tourist homes, and rooming houses where the normal occupancy of a guest is 6 months or more. These buildings are permitted incidental occupancies. The total area of incidental occupancy is limited to less than 25% of the total floor area within the building. Examples of Other Residential buildings include dormitories and assisted- living facilities. OtherwiseProtectedAreas(OPAs).Areas established under Federal, state, or local law, or held by a qualified organization, primarily for wildlife refuge, sanctuary, recreational, or natural resource conservation purposes. The only Federal spending prohibition within OPAs is Federal flood insurance. Out-As-ShownDetermination. An alternative outcome of the FEMA Letter of Map Amendment (LOMA) review process stating that a specific property is located outside the Special Flood Hazard Area (SFHA) as indicated on the Flood Hazard Boundary Map (FHBM) or Flood Insurance Rate Map (FIRM). Participating Community. A community for which FEMA has authorized the sale of flood insurance under the NFIP. Policy.The entire written contract between the insured and the insurer. It includes the following: •The printed policy form; •The Application and declarations page; •Any endorsement(s) that may be issued; and •Any renewal certificate indicating that coverage has been instituted for a new policy and new policy term. Only 1 dwelling, specifically described by the prospective policyholder in the Application, may be insured under a policy. Pollutants. Substances that include, but are not limited to, any solid, liquid, gaseous, or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste. “Waste” includes, but is not limited to, materials to be recycled, reconditioned, or reclaimed. DEF6 OctOber 1, 2011 PondingHazard.A flood hazard that occurs in flat areas when there are depressions in the ground that collect “ponds” of water. The ponding hazard is represented by the zone designation AH on the Flood Insurance Rate Map (FIRM). Post-FIRMBuilding. A building for which construction or substantial improvement occurred after December 31, 1974, or on or after the effective date of an initial Flood Insurance Rate Map (FIRM), whichever is later. Pre-FIRM Building. A building for which construction or substantial improvement occurred on or before December 31, 1974, or before the effective date of an initial Flood Insurance Rate Map (FIRM). Preferred Risk Policy (PRP). A lower-cost Standard Flood Insurance Policy (SFIP), written under the Dwelling Form or General Property Form. It offers fixed combinations of building/contents coverage limits or contents-only coverage. The PRP is available for property located in B, C, and X Zones in Regular Program communities that meets eligibility requirements based on the property’s flood loss history. It is also available for buildings that are eligible under the 2-year PRP Eligibility Extension. Prepaid Amount(Total). The total amount that must be submitted with an Application or renewal in order to be acceptable for coverage. It is determined by adding the Federal Policy Fee to the Total Prepaid Premium. PrepaidPremium(Total).TheamountontheApplication (excluding the Preferred Risk Policy [PRP] Application) that includes the Annual Subtotal, the Increased Cost of Compliance (ICC) Premium, the Community Rating System (CRS) Premium Discount (if applicable), and the Probation Surcharge (if applicable). Presentment of Payment (Premium). The date of the check or credit card payment by the applicant or applicant’s representative if the premium payment is not part of a loan closing, or the date of closing, if the premium payment is part of a loan closing. PrincipalResidence. A single-family dwelling in which, at the time of loss, the named insured or the named insured’s spouse has lived for either 80% of the 365 days immediately preceding the loss, or 80% of the period of ownership, if less than 365 days. PrincipallyAboveGroundBuilding.A building that has at least 51% of its Actual Cash Value (ACV), including machinery and equipment, above ground. Probation. A FEMA-imposed change in a community’s status resulting from violations and deficiencies in the administration and enforcement of NFIP local floodplain management regulations. ProbationSurcharge(Premium).A flat charge that the policyholder must pay on each new or renewal policy issued covering property in a community that the NFIP has placed on probation under the provisions of 44 CFR 59.24. ProperOpenings–Enclosures(ApplicabletoZonesA, A1–A30,AE,AO,AH,AR, andARDual).All enclosures below the lowest elevated floor must be designed to automatically equalize hydrostatic flood forces on exterior walls by allowing for the entry and exit of floodwaters. A minimum of 2 openings, with positioning on at least 2 walls, having a total net area of not less than 1 square inch for every square foot of enclosed area subject to flooding must be provided. The bottom of all openings must be no higher than 1 foot above the higher of the exterior or interior grade (adjacent) or floor immediately below the openings. Property Removed to Safety Expense. Up to $1,000 of reasonable expenses incurred by the insured to temporarily remove insured property from the described location because of flood or the imminent danger of flood. ProvisionalRating.A method for placing flood coverage prior to the receipt of a FEMA Elevation Certificate. Regular Program. The final phase of a community’s participation in the NFIP. In this phase, a Flood Insurance Rate Map (FIRM) is in effect and full limits of coverage are available under the Act. RegularProgram Community.A community wherein a Flood Insurance Rate Map (FIRM) is in effect and full limits of coverage are available under the Act. Repetitive Loss Structure. An NFIP-insured structure that has had at least 2 paid flood losses of more than $1,000 each in any 10-year period since 1978. Replacement Cost Value (RCV). The cost to replace property with the same kind of material and construction without deduction for depreciation. ResidentialCondominiumBuilding.A building, owned and administered as a condominium, containing 1 or more family units and in which at least 75% of the floor area is residential. Residential Condominium Building Association Policy(RCBAP).See “Standard Flood Insurance Policy (SFIP) – Residential Condominium Building Association Policy (RCBAP).” Scheduled Building Policy. A policy that requires a specific amount of insurance to be designated for each building and its contents. DEF7 OctOber 1, 2011 Section1316.Section of the National Flood Insurance Act of 1968, as amended, which states that no new flood insurance coverage shall be provided for any property that FEMA finds has been declared by a duly constituted state or local zoning authority or other authorized public body to be in violation of state or local laws, regulations, or ordinances that are intended to discourage or otherwise restrict land development or occupancy in floodprone areas. SevereRepetitiveLoss(SRL)Properties.NFIP-insured buildings that, on the basis of paid flood losses since 1978, meet either of the loss criteria described in the SRL section. SRL properties with policy effective dates of January 1, 2007, and later will be afforded coverage (new business or renewal) only through the NFIP Servicing Agent’s Special Direct Facility (SDF) so that they can be considered for possible mitigation activities. ShearWalls.Walls used for structural support but not structurally joined or enclosed at the ends (except by breakaway walls). Shear walls are parallel, or nearly parallel, to the flow of the water and can be used in any flood zone. SheetFlowHazard.A type of flood hazard with flooding depths of 1 to 3 feet that occurs in areas of sloping land. The sheet flow hazard is represented by the zone designation AO on the FIRM. Single Adjuster Program. A procedure implemented among the NFIP, various wind pools, and Write Your Own (WYO) Companies to allow 1 adjuster to represent both carriers in adjusting a combined wind-water loss where the NFIP has the flood coverage and another carrier has the wind coverage. SingleBuilding.A building that is separated from other buildings by intervening clear space or solid, vertical, load-bearing division walls. Single-FamilyResidence. This is a residential single- family building, or a dwelling unit in a non-residential condominium building; incidental occupancies are permitted if limited to less than 50% of the building’s total floor area. Incidental occupancies are offices, private schools, studios, or small service operations within a residential building. SolidPerimeterFoundationWalls.Walls that are used as a means of elevating a building in A Zones and that must contain sufficient openings to allow for the unimpeded flow of floodwaters more than 1 foot deep. Special Flood Hazard Area (SFHA). An area having special flood, mudflow, or flood-related erosion hazards, and shown on a Flood Hazard Boundary Map (FHBM) or Flood Insurance Rate Map (FIRM) as Zone A, AO, A1–A30, AE, A99, AH, AR, AR/A, AR/AE, AR/ AH, AR/AO, AR/A1–A30, V1–V30, VE, or V. For the purpose of determining Community Rating System (CRS) premium discounts, all AR and A99 Zones are treated as non-SFHAs. Split Level. A foundation with a vertical offset in the floor framing on either side of a common wall. Standard Flood Insurance Policy (SFIP) – Dwelling Form. The policy form used to insure a building designed for use as a residence for no more than 4 families or a single-family unit in a residential building under a condominium form of ownership. This form is also used to insure residential contents in any building. The owner of a residential building with 5 or more units can use this form to insure contents only in his or her own residential unit. Standard Flood Insurance Policy (SFIP) – General Property Form. The policy form used to insure a nonresidential building or a 5-or-more-unit residential building not eligible for the Residential Condominium Building Association Policy (RCBAP). This form is also used to insure non-residential contents in any building or a building owner’s residential contents located in multiple units within a building with 5 or more units. StandardFloodInsurancePolicy(SFIP) –Residential Condominium Building Association Policy(RCBAP). The policy form used to insure a building, owned and administered as a condominium, containing 1 or more units and in which at least 75% of the floor area is residential. The building must be located in a Regular Program community. Start ofConstruction. For other than new construction or substantial improvements, under the Coastal Barrier Resources Act (CBRA), this is the date when the building permit was issued, provided that the actual start of construction, repair, rehabilitation, addition, placement, or other improvement was within 180 days of the permit date. The actual start means either the first placement of permanent construction of a building on site, such as the pouring of a slab or footing, the installation of piles, the construction of columns, or any work beyond the stage of excavation; or the placement of a manufactured (mobile) home on a foundation. For a substantial improvement, actual start of construction means the first alteration of any wall, ceiling, floor, or other structural part of a building, whether or not that alteration affects the external dimensions of the building. Stock. Merchandise held in storage or for sale, raw materials, and in-process or finished goods, including supplies used in their packing or shipping. “Stock” does not include any property not covered under “Section IV. Property Not Covered” of the General Property Form, except the following: •Parts and equipment for self-propelled vehicles; DEF8 OctOber 1, 2011 •Furnishings and equipment for watercraft; •Spas and hot tubs, including their equipment; and •Swimming pool equipment. SubgradeCrawlspace.A crawlspace foundation where the subgrade under-floor area is no more than 5 feet below the top of the next-higher floor and no more than 2 feet below the lowest adjacent grade on all sides. Submit-for-Rate (SFR). An application for flood insurance on a building for which no risk rate is published in the NFIP Flood Insurance Manual. Insurance coverage can be obtained only after the insurer has approved the application and has established the risk premium rate. SubstantialDamage. Damage of any origin sustained by a building whereby the cost of restoring the building to its before-damaged condition would equal or exceed 50% of the market value of the building before the damage occurred. Substantial Improvement. Any reconstruction, rehabilitation, addition, or other improvement of a building, the cost of which equals or exceeds 50% of the market value of the building before the “start of construction” of the improvement. Substantial improvement includes buildings that have incurred “substantial damage,” regardless of the actual repair work performed. The term does not, however, include either any project for improvement of a building to correct existing state or local code violations or any alteration to a “historic building,” provided that the alteration will not preclude the building’s continued designation as a “historic building.” Suspension. FEMA’s removal of an NFIP participating community from the Program because the community has not enacted and/or enforced the proper floodplain management regulations required for participation. Tentative Rates. NFIP rates used to issue policies for applications that fail to provide the NFIP with valid actuarial rating information. Travel Trailer. Under the NFIP, a travel trailer can be considered a building only if it is without wheels, built on a chassis and affixed to a permanent foundation, and regulated under the community’s floodplain management and building ordinances or laws. 2–4 Family Residence. This is a residential building that contains 2–4 units. This category includes apartment buildings and condominium buildings. Incidental occupancies are permitted if the total area of such occupancies is limited to less than 25% of the total floor area within the building. This excludes hotels and motels with normal room rentals for less than 6 months. Underground Building. A building for which 50% or more of the Actual Cash Value (ACV), including machinery and equipment that are part of the building, is below ground. Unfinished Area. An enclosed area that is used only for the parking of vehicles, building access, or storage purposes and that does not meet the definition of a finished (habitable) area. Drywall used for fire protection is permitted in unfinished areas. Unit.A unit owned by the policyholder in a condominium building. Valued Policy. A policy in which the insured and the insurer agree on the value of the property insured, that value being payable in the event of a total loss. The Standard Flood Insurance Policy (SFIP) is not a valued policy. Variance. A grant of relief by a participating community from the terms of its floodplain management regulations. Waiting Period. The time between the date of application and the policy effective date. Walled and Roofed. A building that has 2 or more exterior rigid walls and a fully secured roof and that is affixed to a permanent site. Wave Height Adjustment. A measurement that is added to the Base Flood Elevation (BFE) for V Zones shown on the Flood Insurance Rate Map (FIRM) published prior to 1981. For coastal communities, the BFE shown on FIRMs published prior to 1981 are stillwater elevations, which include only the effects of tide and storm surge, and not the height of wind- generated waves. Write Your Own (WYO) Program. A cooperative undertaking of the insurance industry and FEMA begun in October 1983. The Write Your Own (WYO) Program operates within the context of the NFIP and involves private insurance carriers that issue and service NFIP policies. Zone. A geographical area shown on a Flood Hazard Boundary Map (FHBM) or a Flood Insurance Rate Map (FIRM) that reflects the severity or type of flooding in the area. DEF9 OctOber 1, 2011 INDEX A ABOVE GROUND BUILDING, PRINCIPALLY .................. GR 3, DEF 7 ACT................................................................REF 1,GR7,DEF1 ACTUAL CASH VALUE (ACV).................................................DEF 1 ADDITIONS AND EXTENSIONS (TO BUILDING) .........GR 5, RATE 15 ADJUSTER CONTROL OFFICE......................................CL3,DEF1 ALTERNATIVE RATES ............................. RATE 20, END 1–2, DEF 1 ANCHORED .......................................................... GR 3–4, DEF 1 APPLICATION................................GR 14, APP 1–15, CONDO 7–8, PRP 7–10, DEF 1 Binder or Certificate of Insurance........................ GR 15, DEF 1 Flood Insurance Application Form ..........................APP 13–15 Incomplete/Incorrect Applications.................................APP 11 Mailing Instructions.................................GR 8, 14, APP 10–11 APPURTENANT STRUCTURE ...................................... GR 3, DEF 1 ASSESSMENT COVERAGE........................GR 12, 13, CONDO 6–7 ASSIGNMENT OF POLICY ...........................GR 15, MPPP 4, DEF 1 B BASE FLOOD......................................................................DEF1 BASE FLOOD DEPTH ............................................ RATE 18, DEF 1 BASE FLOODELEVATION(BFE)......................GR14,RATE23–25, MAP1, 2,DEF1 BASEMENT...........................APP 1, 3, RATE 25, CERT 3–5, DEF 1 BINDER OR CERTIFICATE OF INSURANCE................. GR 15, DEF 1 BLANKET INSURANCE.........................................................DEF 1 BOATHOUSES......................................................................GR 4 BREAKAWAY WALLS..............................GR 5, RATE 19–24, DEF 1 BUILDING...............................................GR3–7, APP 3–4,DEF1 Additions and Extensions .................................GR 5, RATE 15 Building Coverage Limits .............................................. RATE 1 Building in the Course of Construction ......................... GR 4-5, APP 5–6, CONDO 5–6, DEF 1 Buildings in More Than One Flood Zone............GR 14, RATE 16 Building on Fill..................................................................PR 2 Building Over Water..................................................... GR 4, 7 Building Partially Underground ......................................... GR 7 Container-Type Building.................................................... GR 7 Contents........................ GR 6, 7, 8, 13, APP 5, RATE 1, 26–28 Elevated Building.............APP 1, 4, 5, 6, 8, RATE 19–20, DEF 3 Floodproofed Building..................... RATE 30, CERT 3–4, DEF 4 Manufactured (Mobile) Home/Travel Trailer ................. GR 3–4, APP 1,4,5,6,9,10, RATE15, 16,PR1,DEF 3, 5,9 Section 1316........................................................GR 7, DEF 8 Single Building ..................................................... GR 5, DEF 8 Start ofConstruction.......................................RATE 15, DEF 9 Substantial Improvement...................... APP 6, RATE 15, DEF 9 Types of Buildings ..............................APP 1, 3–4, CONDO 7–8 BUILDING DIAGRAMS 1–9.......................... LFG 5–8, CERT 23–25 BUILDINGDRAWINGS.................................................LFG 10–84 BUILDING OCCUPANCY .................................................... GR 5–6 BUSINESS CONSULTANT, WYO............................................REF 2 C CANCELLATION/NULLIFICATION .........................CONDO 7, PRP 6, MPPP 4, CN 1–10, DEF 2, 6 Cancellation/Nullification Request Form .................... CN 9–10 Form Completion............................................................. CN 7 Processing Outcomes Table............................................. CN 8 Valid Reason Codes for Cancellation/Nullification ........ CN 1–6 Refunds...................................................................... CN 1–6 CERTIFICATIONS.........................................................CERT 1–25 CISTERNS ............................................................ GR 4, 6, DEF 2 CLAIMS............................................................................CL 1–4 Appealing a Claim ........................................................ CL 1–3 Filing a Claim ...................................................................CL 1 Increased CostofCompliance(ICC)Claims.......................CL4 Insured’s Responsibilities............................................. CL 1–3 Producer’s Responsibilities............................................CL 3,4 Single Adjuster Program ....................................CL 3–4, DEF 8 Training............................................................................CL 4 CLAIMS COORDINATING OFFICE (CCO)....................CL 3–4, DEF 2 CLOSED BASIN LAKE .................................................CN 6, DEF 2 COASTAL BARRIER..............................................................DEF 2 COASTAL BARRIER RESOURCES SYSTEM (CBRS)...........................................CBRS 1–10, DEF 2 Coastal Barrier Improvement Act of 1990 (CBIA).............................................. CBRS 1, DEF 2 Coastal Barrier Resources Act of 1982 (CBRA).................................... GR 1, CBRS 1, DEF 2 List of CBRS Communities..................................... CBRS 3–10 COASTAL HIGH HAZARD AREA.............................. RATE 29, DEF 2 COINSURANCE ...................................................CONDO 6, DEF 2 COMMERCIAL CONTENTS .................................... GR 6, CONDO 2 COMMISSION, PRODUCER’S.....................GR 15, CONDO 8, CN 8 COMMON INTERIOR WALLS ................................................. GR 5 COMMUNITY (See also PROBATION andSUSPENSION)..................................GR 1,APP2–3, DEF2 Community Eligibility ....................................................... GR 1 Community Number............................................. APP 2, DEF 2 Community Status..........................................................APP 2 Non-Participating Community................................ GR 1, APP 3 Participating Community....................................... GR 1, DEF 7 Regular Program Community...........................................DEF 8 COMMUNITY RATING SYSTEM (CRS)........ APP 7, CRS 1–30, DEF 2 CONDOMINIUM ASSOCIATION.....................CONDO 1–2,5, DEF 2 CONDOMINIUMS ..........................................CONDO 1–31, DEF 2 CONSTRUCTION DATA.....................................................APP 5–6 CONTACT INFORMATION, NFIP.........................................REF 3–5 CONTENTS ......................... GR 6, 7, 8, 13, APP 5, RATE 1, 26–28 CONTINUOUS LAKE FLOODING............................................. CN 6 CONTRACT AGENT .................................................. GR 15, DEF 2 COOPERATIVES ................................................................... GR 7 COUNTYWIDE MAP ................................................. MAP 1, DEF 2 COURSE OF CONSTRUCTION.....................................GR 5, APP 5, CONDO 5–6, DEF 2 COVERAGE ......................GR 11–13, RATE 1–11, 14, CONDO 6–7, PRP 2, 4–6, MPPP 3, END 1 Additional Coverage or Increase in Coverage .................. END 1 Amount ofInsuranceAvailable......................................RATE1 Building Coverage........................................... GR 6–7, RATE 1, CONDO 9, PRP 1, 2, 4–6 ContentsCoverage....................GR 6,7, 8,13,APP 5,RATE1, CONDO 8, PRP 1, 2, 4–6 Contents-Only Coverage ......................RATE 55, PRP 1, 2, 5–6 Limits of Coverage ...........................................GR 11, RATE 1, CONDO 6–8, PRP 1, 4–5, MPPP 3 Reduction or Reformation/Removal of Insurance ............................ GR 12, END 1, MPPP 4, PR 1 CRAWLSPACE.........................................RATE 25, LFG 2, CERT 2, CONDO 10–18, DEF 2 CREDIT CARD PAYMENT...........................APP 8, REN 2, 8, MAP 4 CREDIT CARD PAYMENT FORM....................................... REN 2, 8 D DATE OF CONSTRUCTION...................... APP 5–6, RATE 15, DEF 3 DECLARATIONS PAGE ....................................... MPPP 3–4, DEF 3 DEDUCTIBLE BUYBACK........................................RATE 12,DEF 3 IND 1 OctOber 1, 2011 DEDUCTIBLE FACTORS..................................RATE 13, CONDO 22 DEDUCTIBLES ........................................GR 11, RATE 12, 13, 16, CONDO 7, 22, PRP 3, MPPP 4, END 3 DEFINITIONS .................................................................. DEF 1–9 DESCRIBED LOCATION........................................................DEF 3 DIAGRAM NUMBER.............................................................DEF 3 DIRECT PHYSICALLOSSBYOR FROMFLOOD......................DEF3 DIRECT PROGRAM ......................REF 2, GR 15, APP 11, CONDO 7 DISASTER ASSISTANCE ..............................GR 3, APP 1, PRP 1, 7 DOUBLEWIDE MANUFACTURED (MOBILE) HOME..................DEF 3 DUPLICATE POLICIES ....................................................... CN 2, 4 DWELLING .........................................................................DEF 3 DWELLING FORM (See also STANDARD FLOOD INSURANCE POLICY).........................GR 1–2, CONDO 7, POL 1, 3–24, DEF 3 E EFFECTIVE DATE ................................................. GR 8–11, REN 2 ELEVATED BUILDING (See also LOWEST FLOOR GUIDE)............ APP 5, 9–10, RATE 18–20, DEF 3 ELEVATION CERTIFICATE ...... APP 6–7, LFG 3–8, CERT 1–4, 11–25 ELEVATION DIFFERENCE ........................... APP 7, RATE 17–18, 30 ELIGIBLE BUILDINGS.......................................GR 3–6, CONDO 5 ELIGIBLE COMMUNITY (See PARTICIPATING COMMUNITY) ELIGIBLE CONTENTS............................................................ GR 6 EMERGENCY PROGRAM................................GR 1, RATE 1, DEF 3 ENCLOSURE/ENCLOSED AREA (See also LOWEST FLOOR GUIDE).......... APP 3–4, RATE 19–20, LFG 1–3, 4, 6, 8, DEF 3 ENDORSEMENT...........................................GR 10–11, CONDO 7, PRP 3, MPPP 4, END 1–14, PR 1 Endorsement Processing Prior to Policy Renewal........... END 3–4 Endorsement Rules: Changing Deductibles .................... END 3 Endorsement Rules: Conversion of Standard-Rated Policy to PRP Due to Misrating ............................... END 2–3 Endorsement Rules: Property Address Corrections ......... END 3 Endorsement Rules: Coverage Endorsements ................ END 1 Endorsement Rules: Misrated Policy .............................. END 2 Endorsement Rules: Rating Endorsements..................END 1–2 Endorsements During Renewal Cycle ............................. REN 2 General Change Endorsement Form....................... END 13–14 Preparation of Form................................................. END 4–4A Rating Examples ..................................................... END 5–12 Refund Processing .................................................. END 4–4A ENGINEERED OPENINGS (See PROPER OPENINGS) EQUIPMENT (See MACHINERY AND EQUIPMENT) EROSION............................................................................DEF 3 ERRORS, RATING............................................................END 1–2 EVIDENCE OF INSURANCE ................................................. GR 15 F FEDERAL LAND.................................................................... GR 1 FEDERAL POLICY FEE........................... RATE 12, 16, CONDO 7, 8, PRP 2, MPPP 4, DEF 3 FEMA ........................................................REF 1, SRL 1–2, DEF 3 FHBM (See FLOOD HAZARD BOUNDARY MAP) FICO (See FLOOD INSURANCE CLAIMS OFFICE) FINANCIAL ASSISTANCE/ SUBSIDY ARRANGEMENT.................................. MPPP 2, DEF 3 FINISHED (HABITABLE) AREA...............................................DEF 3 FINISHED BASEMENT .........................................................APP 3 FIRM (See FLOOD INSURANCE RATE MAP) FIRM ZONES.................................................................. MAP 1–2 FLOOD ...............................................................................DEF 3 FLOOD DISASTER PROTECTION ACT OF 1973....................MPPP 1 FLOOD HAZARD BOUNDARY MAP (FHBM) ......................................GR 1, MAP 1, 2, 8, DEF 3 FLOOD INSURANCE CLAIMS OFFICE (FICO) ................. CL 3, DEF 3 FLOOD INSURANCE RATE MAP (FIRM) ...................... GR 1, CERT 2, MAP 1, 2, 3, 7, DEF 3 FLOOD MAPS........................................................GR 1, MAP 1–8 Changing or Correcting a Flood Map........................... MAP 2–3 Countywide Map ................................................ MAP 1, DEF 3 FEMA Map Information eXchange...................................MAP 3 FEMA Map Service Center .............................. REF 3, MAP 5–6 “FIRMettes”..................................................................MAP 3 General Rule of Rating................................................RATE 22 Letter of Map Amendment (LOMA) .....CN 5–6, MAP 2–3, DEF 5 Letter of Map Revision (LOMR) ..............CN 5–6, MAP 3, DEF 5 Locating a Specific Property ..........................................MAP 2 Map Grandfather Rules ...................RATE 21–23, PRP 1, DEF 4 Map Panel Number .......................................................MAP 1 Map Revisions ....PRP 1, 2, 3, END 2, CN 3, 5–7, MAP 4, DEF 5 Map Zones (Flood Zones) ......................................... MAP 1–2 OrderingInstructionsand Prices................................MAP3–6 PhysicalMapRevision...................................................MAP 3 FLOOD RESPONSE OFFICE (FRO).........................................DEF 4 FLOOD VENTS (See PROPER OPENINGS) FLOODPLAIN ......................................................................DEF 4 FLOODPLAIN MANAGEMENT................................................DEF 4 FLOODPROOFING.................................................APP 7, RATE 30, CERT 3–10, DEF 4 FLOODPROOFING CERTIFICATE FOR NON-RESIDENTIAL STRUCTURES.............................CERT 9–10 FLOODPROOFING CERTIFICATE, RESIDENTIAL BASEMENT..........................................CERT 7–8 FORCE-PLACEMENT (MANDATORY PURCHASE)............................GR 3,MPPP 1–2,CN4,5, DEF5 FOUNDATION WALLS...........................................................DEF 4 FREEBOARD.......................................................................DEF 4 G GARAGES..................................................................GR 3, LFG 1 GENERAL CHANGE ENDORSEMENT (See ENDORSEMENT) GENERAL PROPERTY FORM (See also STANDARD FLOOD INSURANCE POLICY)....... GR 1, 2, POL 1, 25–44, DEF 4 GENERAL RULE OF RATING .............................................RATE 22 GENERAL RULES ............................................................GR 1–15 GRADE ELEVATION..............................................................DEF 4 GRANDFATHERING ..............................RATE 21–23, PRP 1, DEF 4 GROUP FLOOD INSURANCE ...................................... GR 3, DEF 4 H HABITABLE AREA (See FINISHED AREA) HISTORIC BUILDING............................................. RATE 15, DEF 4 HIGH-RISE BUILDING ..........................................CONDO 5, DEF 4 HOMELAND SECURITY, U.S. DEPARTMENT OF................... REF 1, DEF 3 I ICC (See INCREASED COST OF COMPLIANCE) IMPROVEMENTS AND BETTERMENTS.................. GR 3, 13, DEF 4 INCIDENTAL OCCUPANCY..................................................... GR 6 INCREASED COST OF COMPLIANCE (ICC) COVERAGE ................................. GR 11–12, RATE 14, 16, CONDO 21, MPPP 1, CL 4, DEF 4 INELIGIBLE COMMUNITY (See NON-PARTICIPATING COMMUNITY) INELIGIBLE PROPERTY......................................................GR 7–8 INFLATIONFACTOR.................................................GR 11,REN1 INSECT SCREENING (BELOW LOWEST ELEVATED FLOOR)........................... RATE 7, 19–20, CONDO 19 INSURANCE PRODUCTS, NFIP .............................................. GR 3 IND 2 May 1, 2012 L LAPSE IN COVERAGE ......................................................REN 1–2 LATTICE (BELOW LOWEST ELEVATED FLOOR) .................... RATE 7, 19–20, 46, CONDO 19 LETTER OF DETERMINATION REVIEW (LODR)...........................................PRP 2, CN 4, DEF 5 LETTER OF MAP AMENDMENT (LOMA)................ PRP 2, 3, END 2, CN 5–6, MAP 2–3, DEF 5 LETTER OF MAP REVISION (LOMR) ..................... PRP 2, 3, END 2, CN 5–6, MAP 3, DEF 5 LOSS ASSESSMENT COVERAGE............... GR 12–13, CONDO 6–7 LOSS HISTORY ........................................................PRP 1, SRL 1 LOSS IN PROGRESS ...........................................................DEF 5 LOWESTADJACENTGRADE.................................................DEF 5 LOWEST FLOOR .................. APP 6, RATE 17–23, LFG 1–84, DEF 5 Building Diagrams 1–9 .......................... LFG 5–8, CERT 23–25 Building Drawings ..................................................LFG 10–84 Lowest Floor Determination ........................................ LFG 1–8 Lowest Floor Elevation............... APP 6, RATE 15, 17–21, DEF 5 Use of Elevation Certificate ............................................LFG 3 LOWEST FLOOR GUIDE.................................................. LFG 1–84 LOW-RISE BUILDING ................................CONDO 1, 5, 20, DEF 5 LEASED FEDERAL PROPERTY........APP 7–8, GR 1, LFP 1–5, PRP 2 M MACHINERYAND EQUIPMENT..............RATE 19,LFG1–2, CERT3 MANDATORY PURCHASE (FORCE-PLACEMENT) ......... GR 3, MPPP 1, 2, CN 3, 4, 5, DEF 5 MANUFACTURED (MOBILE) HOMES/ TRAVEL TRAILERS.................................... GR 3–4, APP 4–6, 9, PR1, DEF 3,5,9 Date of Construction ....................................... APP 6, RATE 15 Doublewide....................................................................DEF 3 MANUFACTURED (MOBILE) HOME PARK OR SUBDIVISION ............................................................DEF 5 MAPS (See FLOOD MAPS) MASONRY WALLS...............................................................DEF 5 MEAN SEA LEVEL (See NATIONAL GEODETIC VERTICAL DATUM [NGVD]) MISCELLANEOUS RULES ............................................. GR 14–15 Application Submission ................................................. GR 14 Assignment of Policy ..................................................... GR 15 Commission, Producer’s................................................GR 15 Contract Agent Rule ...................................................... GR 15 Delivery of Policy ........................................................... GR 14 Policy Term ................................................................... GR 14 MITIGATION, SEVERE REPETITIVE LOSS........................... SRL 1–2 MODULAR BUILDING ..........................................................DEF 5 MORTGAGE PORTFOLIO PROTECTION PROGRAM (MPPP)................................ GR 3, MPPP 1–5, DEF 5 MORTGAGEE ............ APP 2, RATE 17, PRP 7, MPPP 1–4, REN 2, 3 MUDFLOW......................................................................DEF 5–6 MULTI-FAMILY RESIDENCE (See 2–4 FAMILY RESIDENCE, OTHER RESIDENTIAL, CONDOMINIUMS) MULTI-PROPERTY LETTER OF MAP AMENDMENT (LOMA) OR LETTER OF MAP REVISION (LOMR) .............. CN 5–6 N NATIONAL FLOOD INSURANCE ACT OF 1968 (See ACT) NATIONAL FLOOD INSURANCE PROGRAM (NFIP) ....... REF 1, DEF 6 NATIONAL GEODETIC VERTICAL DATUM (NGVD) ....................................... LFG 3, CERT 2, DEF 6 NATURAL GRADE................................................................DEF 6 NEW CONSTRUCTION .........................................................DEF 6 NFIP BUREAU AND STATISTICAL AGENT ......... REF 1, SRL 1, DEF 6 NFIP CONTACT INFORMATION..............................................REF 3 NFIP SERVICING AGENT ................................ REF 2, SRL 1, DEF 6 NFIP SPECIAL DIRECT FACILITY (SDF) .........REF 2, SRL 1–2, DEF 6 NON-PARTICIPATING COMMUNITY ........................................ GR 1 NON-PAYMENT .................................................................... CN 2 NON-RESIDENTIAL........................GR 6, 8,CONDO1, 4,9,DEF 6 NORTH AMERICAN VERTICAL DATUM (NAVD).....................................…LFG 3, CERT 2, DEF 6 NOTICE OF LOSS ..................................................................CL 1 NULLIFICATION (See CANCELLATION/NULLIFICATION) O OCCUPANCY CLASSIFICATION............................... GR 5–6, APP 3 OTHER INSURANCE ................................................MPPP 4, CN 4 OTHER RESIDENTIAL................................................. GR 6, DEF 6 OTHERWISE PROTECTED AREAS.........................CBRS 1–2, DEF 6 OUT-AS-SHOWN DETERMINATION...................CN 3, MAP 3, DEF 6 OVER WATER ................................................................... GR 4, 7 P PAPERWORK BURDEN DISCLOSURE NOTICE........................REF 6 PARTICIPATING COMMUNITY..................................... GR 1, DEF 6 PHOTOGRAPH REQUIREMENTS (FOR ELEVATION CERTIFICATE) .................................. CERT 1–2 PHYSICAL MAP REVISION (PMR).........................................MAP 3 POLICIES AVAILABLE.........................................................GR 1–3 POLICY..............................................................DEF 6, POL 1–65 POLICY RENEWALS.....................GR 11, PRP 2, MPPP 4, REN 1–8 Credit Card Payment Form ......................................... REN 2, 8 Endorsements During Renewal Cycle ............................. REN 2 Expiration Notice to Mortgagee...................................... REN 2 Final Notice........................................................REN 2, 3, 6–7 Insufficient Renewal Information.................................... REN 2 Renewal Effective Date Determination ........................... REN 2 Renewal Notice ............................................. REN 1, 2, 3, 4–5 Severe Repetitive Loss Policies .....................REN 2, SRL 1–13 Waiting Period........................................................... REN 1, 2 POLICY TERM ................................. GR 14, APP 1, PRP 7, MPPP 2 POLLUTANTS......................................................................DEF 6 PONDING HAZARD..............................................................DEF 6 POST-FIRM BUILDING (CONSTRUCTION) .....................RATE 16, 18–20, 22–25, DEF 6 PRE-FIRM BUILDING (CONSTRUCTION)................................. RATE 15, 18, 23, DEF 7 PREFERRED RISK POLICY (PRP).................GR 3, PRP 1–14, DEF 7 2-Year PRP Eligibility Extension........................................PRP 1 Completing PRP Application Form ............................. PRP 7–11 Condominium Rating Chart .............................................PRP 4 Conversion of PRP to Standard-Rated Policy....................PRP 7 Conversion of Standard-Rated Policy to PRP Due to Map Revision, LOMA, or LOMR .........................PRP 3 Conversion of Standard Rated Policy to PRP Due to Misrating .........................................................PRP 3 Coverage Limitations......................................................PRP 2 Coverage/Premium Tables..........................................PRP 5–6 Deductibles ...................................................................PRP 3 Discounts/Fees/ICC Premium ........................................PRP 2 Documentation ..............................................................PRP 2 Eligibility Requirements ..............................................PRP 1, 2 Endorsements................................................................PRP 3 General Description........................................................PRP 1 Ineligibility......................................................................PRP 2 PRP Application Form .............................................PRP 13–14 Renewal.........................................................................PRP 2 Replacement Cost Coverage...........................................PRP 2 IND 3 OctOber 1, 2011 PREMIUM.......................................................................RATE 16 Credit Card Payment........................................APP 8, REN 2, 8 Credit Card Payment Form ......................................... REN 2, 8 Premium Calculation................................................... RATE 16 Premium Discounts.............................................APP 7,CRS1 Premium Payment.....................................APP7,8,CONDO8, PRP 8, MPPP 3, REN 1–2 Prepaid Amount (Total) ...................................................DEF 7 Prepaid Premium (Total)..................................................DEF 7 Presentment of Payment (Premium) ...................... GR 8, DEF 7 Refunds.....................................................END 1–4A, CN 1–6 PREPAID AMOUNT (TOTAL) .................................................DEF 7 PREPAID PREMIUM (TOTAL) ................................................DEF 7 PRESENTMENT OF PAYMENT (PREMIUM) .................. GR 8, DEF 7 PRINCIPAL RESIDENCE.......................................................DEF 7 PRINCIPALLYABOVEGROUND BUILDING.............................DEF 7 PROBATION .............................................................. GR 1, DEF 7 PROBATIONSURCHARGE............................GR1, RATE12, DEF 7 PROOF OFLOSS...............................................................CL1, 2 PROPER OPENINGS (FLOOD VENTS) ......... LFG 1–3, 4, 6, 8, DEF 7 PROPERTY LOCATION................................... APP 2, PRP 8, END 4 PROPERTY REMOVED TO SAFETY EXPENSE.........................DEF 7 PROVISIONAL RATING ............................................ PR 1–5, DEF 7 Completing the Provisional Rating Questionnaire: General Directions ........................................................PR 2 Guidance for Determining Building Elevated on Fill .........PR 2 Eligibility Requirements ....................................................PR 1 General Description..........................................................PR 1 Notification Requirements ................................................PR 2 Provisional Rating Example...............................................PR 4 Provisional Rating Questionnaire.......................................PR 3 Reformation: Endorsement Procedure...............................PR 1 Reformation: Limitations ..................................................PR 1 Sample Notice to Accompany Provisionally Rated Policies ...........................................PR 5 R RATE TABLES............................... RATE 1–14, 31, CONDO 10–22, PRP 5–6, MPPP 1, PR 3, CRS 2 RATING ............................................... RATE 1–61, CONDO 1–31, CERT 3–4, END 1–2 Alternative Rates......................................... RATE 21, END 1–2 Amountof InsuranceAvailable......................................RATE 1 AR, AR Dual Zones ..................................................... RATE 18 Buildings in More Than One Flood Zone/BFE.....................................GR14, RATE 16–17 Condominiums....................................................CONDO 1–31 ContentsLocation................................................RATE 26–28 Crawlspace................................................................RATE 25 Deductibles .....................................RATE 12, 13, CONDO 5, 7 Different Base Flood Elevations Reported ............ GR 14, RATE 17 Effect of Map Revisions on Rates.......................... RATE 21–23 Elevation Difference ..............................................RATE 17–18 FIRMs with Wave Heights......................................RATE 29–30 Flood Map Grandfathering ...............RATE 21–23, PRP 1, DEF 4 Flood Zone Discrepancies................................GR 14, RATE 17 Floodproofed Buildings...............................................RATE 30 General Rule of Rating................................................RATE 22 Key Points for Rating ............................................ RATE 16–17 Multiple Elevation Certificates......................................CERT 1 Optional Elevation Rating ................................ RATE 18, LFG 3 Premium Calculation................................................... RATE 16 Provisional Rates ...................................GR 14, PR 1–5, DEF 7 Rate Reduction ............................................................. END 1 Rate Tables............................. RATE 1–14, 31, CONDO 10–22, PRP 5–6, MPPP 1, PR 3, CRS 2 Rate Type................................................................... APP 7–8 Rating Error................................................................END 1–2 Rating Examples .................... RATE 17–18, 22–24, 29, 47–61, CONDO 23–31, END 5–12, PR 4 Rating Steps ........................................................ RATE 15–16 Re-Rating.............................................................RATE 23–24 Special Rating Situations......................................... GR 13–14 Submit-for-Rate............................... GR 14, RATE 24–25, DEF 9 TentativeRates....................GR 13, RATE11,CONDO7,DEF9 V-Zone Optional Rating...............................................RATE 23 V-Zone Risk Factor Rating Form.............................RATE 33–46 RCBAP (See RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY) RECREATIONAL VEHICLE.....................................................DEF 1 REFORMATION.............................................GR 12, MPPP 4, PR 1 REFUNDS................................................. END 1–2, 3–4, CN 1–6 REGIONAL OFFICES, NFIP................................................REF 4–5 REGULAR PROGRAM.....................................GR 1, RATE 1, DEF 7 RENEWALS (See POLICY RENEWALS) REPETITIVE LOSS...............GR 5, 11, REN 2, CN 7, SRL 1–13, DEF 7 REPLACEMENT COST....................................APP5,RATE 20, 30, CONDO 6, 8, PRP 2, DEF 7 RESIDENTIAL............................................... GR 5–6, CONDO 1–5 RESIDENTIAL BASEMENT FLOODPROOFING CERTIFICATE............................................................. CERT 7–8 RESIDENTIAL CONDOMINIUM BUILDING..........CONDO 1–5, DEF 8 RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY (RCBAP) (See also STANDARD FLOOD INSURANCE POLICY) ..................GR 1, 2, APP 4, CONDO 1–31, POL 1, 45–65 Application Form ...................................................CONDO 7–8 Assessment Coverage...........................................CONDO 6–7 Building Type.........................................................CONDO 7–8 Cancellation or Endorsement of Existing Unit Owners’ Dwelling Policies............................... CONDO 7 Coinsurance............................................................. CONDO 6 Commission, Producer’s........................................... CONDO 7 Condominium Building in the Course of Construction................................................. CONDO 5–6 Coverage, Building.................................................CONDO 1–9 Coverage, Contents...............................................CONDO 1–8 Coverage Limits ................................................... CONDO 6, 8 Deductibles ................................................CONDO 5, 7, 8, 22 Determining Rates and Fees..................................... CONDO 8 Eligibility Requirements ............................................ CONDO 5 Federal Policy Fee .................................................CONDO 7–8 Property Covered...................................................CONDO 6–7 Rate Tables.......................................................CONDO 10–22 Rating Examples .............................................. CONDO 23–31 Replacement Cost........................................ CONDO 1, 6, 8, 9 Tentative Rates and Scheduled Buildings ........................................ GR 3, APP 10, CONDO 7 ROWHOUSES/TOWNHOUSES.................................... CONDO 1, 8 S SCHEDULED BUILDING POLICY ...........................GR 3, APP 1, 10, CONDO 7, DEF 7 SCREENING, INSECT (BELOW LOWEST ELEVATED FLOOR)........................... RATE 7, 19–20, CONDO 19 SECTION 1316 ..........................................................GR 7, DEF 7 SEPARATE BUILDING (See SINGLE BUILDING) SEVERE REPETITIVE LOSS PROPERTIES ................... GR 5, REN 2, CN 6, SRL 1–13, DEF 8 SFIP (See STANDARD FLOOD INSURANCE POLICY) SHEAR WALLS.......................................................... GR 5, DEF 8 SHEET FLOW HAZARD.........................................................DEF 8 SILOS.............................................................................. GR 4, 6 SINGLE ADJUSTERPROGRAM................................CL3–4, DEF8 SINGLE BUILDING..................................................... GR 5, DEF 8 IND 4 May 1, 2012