July 2011 Dear NFIP Flood Insurance Manual Subscriber: Revisions have been made to the NFIP Flood Insurance Manual that will become effective October 1, 2011. All of the changes are shown on the enclosed amended pages, and related footers have been modified to reflect the October 1, 2011, effective date. Significant revisions include the following: • Building Occupancy classification updates (GR, APP, PRP, and DEF Sections). • Improvements and Betterments coverage clarification (GR Section). • Rate increases for policies written or renewed on or after October 1, 2011 (RATE, CONDO, MPPP, PR, and LFP Sections). • New elevation rating requirement for new business applications for policies covering Post-FIRM buildings in AH, AO, and Unnumbered A Zones (RATE and CONDO Sections). • Clarification that individual non-residential unit owners may not purchase building coverage but may purchase contents coverage (GR and CONDO Sections). • Further clarification about attached garages for single-family non-elevated buildings; inclusion of additional building drawings (LFG Section). • Explanation of optional reduction of coverage when converting a PRP issued in error to a standard-rated policy (PRP Section). • Updates to years of refund eligibility and receipt date requirements (CN Section). • Updated documentation requirements for buildings in CBRS areas or OPAs (CBRS Section). • Community Rating System Eligible Communities list updates (CRS Section). • Updated sample letters for policyholders, agents, and lenders (SRL Section). • New definitions for foundation walls and masonry walls (DEF Section). Thank you for your continued support of the NFIP. Sincerely, Edward L. Connor Deputy Administrator, Insurance Federal Insurance and Mitigation Administration Enclosure Change Record Page Effective Date: October 1, 2011 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 i–ii, v–x REF 1–6 GR 3–8, 11–15 APP 3–6 RATE 1–14, 17–20, 23–28, 49–61 CONDO 1–20, 23–31 LFG 1–4, 9–69 CERT 1–4 PRP 1–12 MPPP 1–4 END 5–12 REN 1–8 CN 3–8 MAP 3–4 PR 1–5 CBRS 1–2 CRS 3–30 SRL 1–13 LFP 1–2 DEF 1–9 IND 1–5 Insert i–ii, v–x REF 1–6 GR 3–8, 11–15 APP 3–6 RATE 1–14, 17–20, 23–28, 49–61 CONDO 1–20, 23–31 LFG 1–4, 9–84 CERT 1–4 PRP 1–12 MPPP 1–5 END 5–12 REN 1–8 CN 3–8 MAP 3–4 PR 1–5 CBRS 1–2 CRS 3–30 SRL 1–13 LFP 1–2 DEF 1–9 IND 1–5 NFIP Flood Insurance Manual TABLE OF CONTENTS REFERENCE REF 1 I. INTRODUCTION TO THE NATIONAL FLOOD INSURANCE PROGRAM REF 1 II. THE WRITE YOUR OWN PROGRAM REF 1 III. TECHNICAL ASSISTANCE REF 1 A. WYO Companies REF 2 B. NFIP Servicing Agent (NFIP Direct) REF 2 C. Special Direct Facility REF 2 IV. Contact Information REF 2 A. NFIP Servicing Agent Contact Information for Nfip Direct Program Agents REF 2 B. NFIP General Contact Information for All Nfip Stakeholders REF 3 C. National Flood Insurance Program Bureau and Statistical Agent Regional Offices REF 4 PAPERWORK BURDEN DISCLOSURE NOTICE REF 6 GENERAL RULES GR 1 I. COMMUNITY ELIGIBILITY GR 1 A. Participating (Eligible) Communities GR 1 B. Emergency Program GR 1 C. Regular Program GR 1 D. Maps GR 1 E. Probation GR 1 F. Suspension GR 1 G. Non-Participating (Ineligible) Communities GR 1 H. Coastal Barrier Resources Act GR 1 I. Federal Land GR 1 II. POLICIES AND PRODUCTS AVAILABLE GR 1 A. Standard Flood Insurance Policy GR 1 B. Insurance Products GR 3 III. BUILDING PROPERTY ELIGIBILITY GR 3 A. Eligible Buildings GR 3 B. Single Building GR 5 C. Walls GR 5 D. Determination of Building Occupancy GR 5 IV. CONTENTS ELIGIBILITY GR 6 A. Eligible Contents GR 6 B. Vehicles and Equipment GR 6 C. Silos, Grain Storage Buildings, and Cisterns GR 6 D. Commercial Contents Coverage GR 6 V. EXAMPLES OF ELIGIBLE RISKS GR 6 A. Building Coverage GR 6 B. Contents Coverage GR 6 C. Condominiums GR 7 VI. INELIGIBLE PROPERTY GR 7 A. Buildings GR 7 B. Container-Type Buildings GR 7 C. Buildings Entirely Over Water GR 7 D. Buildings Partially Underground GR 7 E. Basement/Elevated Building Enclosures GR 7 VII. EXAMPLES OF INELIGIBLE RISKS GR 7 A. Building Coverage GR 7 B. Contents Coverage GR 7 C. Non-Residential Condominium Unit GR 8 VIII. POLICY EFFECTIVE DATE GR 8 A. Receipt Date (in the determination of the effective date) GR 8 B. Presentment of Premium Date Requirements for Loan Closing GR 8 C. Effective Date GR 8 IX. COVERAGE GR 11 A. Limits of Coverage GR 11 B. Deductibles GR 11 C. Coverage D – Increased Cost of Compliance (ICC) Coverage GR 11 D. Reduction of Coverage Limits or Reformation GR 12 E. Loss Assessments GR 12 F. Improvements and Betterments (Tenant’s Coverage) GR 13 G. Coverage for Building Items Under the Condominium Unit-Owners’ Contents Coverage GR 13 X. SPECIAL RATING SITUATIONS GR 13 A. Tentative Rates GR 13 B. Submit-for-Rate GR 14 C. Provisional Rates GR 14 D. Buildings in More Than 1 Flood Zone/BFE GR 14 E. Different BFEs Reported GR 14 F. Flood Zone Discrepancies GR 14 XI. MISCELLANEOUS GR 14 A. Policy Term GR 14 B. Application Submission GR 14 C. Delivery of the Policy GR 14 D. Evidence of Insurance GR 15 E. Assignment GR 15 F. Transfer of Business GR 15 G. Agents’/Producers’ Commissions (NFIP Direct Business Only) GR 15 H. Contract Agent Rule GR 15 APPLICATION APP 1 I. USE OF THE FORM APP 1 II. COMPLETING PART 1 OF THE FLOOD INSURANCE APPLICATION FORM APP 1 A. Policy Status APP 1 B. Policy Term APP 1 C. Agent Information APP 1 D. Insured Mailing Address APP 1 E. Disaster Assistance APP 1 F. Property Location APP 2 G. Mortgagee APP 2 H. Second Mortgagee/Other APP 2 I. Community APP 2 J. Building APP 3 K. Contents APP 5 L. Construction Data APP 5 M. Coverage and Rating APP 7 N. Signature APP 8 III. COMPLETING PART 2 OF THE FLOOD INSURANCE APPLICATION FORM APP 8 A. Section I – All Building Types APP 8 B. Section II – Elevated Buildings APP 9 C. Section Iii – Manufactured (Mobile) Homes/Travel Trailers APP 10 IV. SCHEDULED BUILDING POLICY APP 10 V. MAILING INSTRUCTIONS APP 10 VI. HANDLING OF INCOMPLETE OR INCORRECT APPLICATIONS APP 11 RATING RATE 1 I. AMOUNT OF INSURANCE AVAILABLE RATE 1 II. RATE TABLES RATE 1 III. DEDUCTIBLES RATE 12 A. Deductible Buyback RATE 12 B. Changes in Deductible Amount RATE 12 IV. INCREASED COST OF COMPLIANCE (ICC) COVERAGE RATE 14 V. RATING STEPS RATE 15 VI. PREMIUM CALCULATION RATE 16 A. Emergency Program RATE 16 B. Regular Program RATE 16 VII. KEY POINTS FOR RATING RATE 16 A. Basic Limits and Additional Limits RATE 16 B. Whole Dollars RATE 16 C. Increased Cost of Compliance (ICC) Premium RATE 16 D. Federal Policy Fee RATE 16 E. Buildings in More Than 1 Flood Zone/BFE RATE 16 F. Different BFEs Reported RATE 17 G. Flood Zone Discrepancies RATE 17 H. Mortgagee on Policy – Higher Deductible Requested RATE 17 VIII. REGULAR PROGRAM, POST-FIRM ELEVATION-RATED RISKS RATE 17 A. Elevation Difference RATE 17 B. Examples RATE 17 C. Optional Elevation Rating RATE 18 IX. PRE-FIRM ELEVATED BUILDING RATED WITH PRE-FIRM RATES RATE 18 X. AR ZONE AND AR DUAL ZONE RATING RATE 18 XI. POST-FIRM AO ZONE RATING RATE 18 XII. POST-FIRM RATING OF ELEVATED BUILDINGS IN ZONES B, C, X, A99, AND D RATE 19 XIII. REGULAR PROGRAM V-ZONE POST-FIRM CONSTRUCTION RATE 19 A. Rating All V-Zone Buildings RATE 19 B. Zones VE and V1–V30 — Enclosure Containing Machinery or Equipment Below BFE RATE 19 C. 1975–’81 Post-FIRM V-Zone Construction RATE 19 D. 1981 Post-FIRM V-Zone Construction RATE 19 E. Elevated Buildings – Post-FIRM V-Zone Construction RATE 19 XIV. SPECIAL RATING SITUATIONS RATE 20 A. Tentative Rates RATE 20 B. Alternative Rates RATE 20 C. Special Rates RATE 21 D. NFIP “Grandfather” Rules – Effect of Map Revisions on Flood Insurance Rates RATE 21 E. Post-’81 V-Zone Optional Rating RATE 23 F. Policies Requiring Re-Rating RATE 23 G. Submit-for-Rate RATE 24 H. Crawlspace RATE 25 XV. CONTENTS LOCATION RATE 26 A. Single-Family Dwellings RATE 26 B. Multi-Family and Non-Residential Buildings RATE 26 XVI. FIRMS WITH WAVE HEIGHTS RATE 29 A. Procedure for Calculating Wave Height Adjustment RATE 29 B. Wave Heights in Numbered Zones V1–V30 and VE 1981 Post-FIRM Construction RATE 29 C. Unnumbered V Zones 1981 Post-FIRM Construction RATE 29 D. Rate Selection Procedure RATE 30 XVII. FLOODPROOFED BUILDINGS RATE 30 A. Elevation Difference RATE 30 B. Rating RATE 30 XVIII. THE V-ZONE RISK FACTOR RATING FORM RATE 31 A. Use RATE 31 B. Submission RATE 31 XIX. RATING EXAMPLES RATE 47 CONDOMINIUMS CONDO 1 Important Notice to Agents/Producers CONDO 1 I. METHODS OF INSURING CONDOMINIUMS CONDO 1 A. Residential Condominium: Association Coverage on Building and Contents CONDO 1 B. Residential Condominium: Unit Owner’s Coverage on Building and Contents CONDO 1 C. Non-Residential (Commercial) Condominium: Building and Contents CONDO 1 D. Non-Residential (Commercial) Condominium: Unit Owner’s Coverage (Contents) CONDO 1 II. RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY (RCBAP) FORM CONDO 5 III. ELIGIBILITY REQUIREMENTS CONDO 5 A. General Building Eligibility CONDO 5 B. Condominium Building in the Course of Construction CONDO 5 IV. COVERAGE CONDO 6 A. Property Covered CONDO 6 B. Coverage Limits CONDO 6 C. Replacement Cost CONDO 6 D. Coinsurance CONDO 6 E. Assessment Coverage CONDO 6 V. DEDUCTIBLES AND FEES CONDO 7 A. Deductibles CONDO 7 B. Federal Policy Fee CONDO 7 VI. TENTATIVE RATES AND SCHEDULED BUILDINGS CONDO 7 VII. COMMISSIONS (DIRECT BUSINESS ONLY) CONDO 7 VIII. CANCELLATION OR ENDORSEMENT OF UNIT OWNERS’ DWELLING POLICIES CONDO 7 IX. APPLICATION FORM CONDO 7 A. Type of Building CONDO 7 B. Replacement Cost Value CONDO 8 C. Coverage CONDO 8 D. Rates and Fees CONDO 8 X. CONDOMINIUM RATING EXAMPLES CONDO 23 LOWEST FLOOR GUIDE LFG 1 I. LOWEST FLOOR DETERMINATION LFG 1 A. Non-Elevated Buildings LFG 1 B. Elevated Buildings in A Zones LFG 1 C. Elevated Buildings in V Zones LFG 2 II. USE OF ELEVATION CERTIFICATE LFG 3 A. Mandatory Use of Elevation Certificate LFG 3 B. Optional Rating Using the Elevation Certificate LFG 3 C. Guidelines for Determining the Conversion from NGVD 1929 to NAVD 1988 LFG 3 III. SPECIFIC BUILDING DRAWINGS LFG 13 SPECIAL CERTIFICATIONS CERT 1 I. NFIP ELEVATION CERTIFICATE CERT 1 II. PHOTOGRAPH REQUIREMENTS CERT 1 III. USING THE ELEVATION CERTIFICATE: SPECIAL CONSIDERATIONS CERT 2 A. Section A – Property Information CERT 2 B. Section B – Flood Insurance Rate Map (FIRM) Information CERT 2 C. Section C – Building Elevation Information (Survey Required) CERT 2 D. Section D – Surveyor, Engineer, or Architect Certification CERT 3 E. Section E – Building Elevation Information (Survey Not Required) for Zone AO and Zone A (Without BFE) CERT 3 F. Section F – Property Owner (or Owner’s Representative) Certification CERT 3 G. Section G – Community Information (Optional) CERT 3 IV. FLOODPROOFING CERTIFICATE CERT 3 A. Purpose and Eligibility CERT 3 B. Specifications CERT 3 C. Rating CERT 3 D. Certification CERT 4 PREFERRED RISK POLICY PRP 1 I. GENERAL DESCRIPTION PRP 1 II. ELIGIBILITY REQUIREMENTS PRP 1 A. Flood Zone PRP 1 B. Occupancy PRP 1 C. Loss History PRP 1 III. INELIGIBILITY PRP 2 IV. DOCUMENTATION PRP 2 V. RENEWAL PRP 2 VI. COVERAGE LIMITATIONS PRP 2 VII. REPLACEMENT COST COVERAGE PRP 2 VIII. DISCOUNTS/FEES/ICC PREMIUM PRP 2 IX. DEDUCTIBLES PRP 3 X. ENDORSEMENTS PRP 3 XI. CONVERSION OF STANDARD-RATED POLICY TO PRP DUE TO MISRATING PRP 3 XII. CONVERSION OF STANDARD-RATED POLICY TO PRP DUE TO THE 2-YEAR PRP ELIGIBILITY EXTENSION PRP 3 XIII. CONVERSION OF STANDARD-RATED POLICY TO PRP DUE TO MAP REVISION, LOMA, OR LOMR PRP 3 XIV. CONVERSION OF PRP TO STANDARD-RATED POLICY PRP 7 XV. COMPLETING THE FLOOD INSURANCE PREFERRED RISK POLICY APPLICATION PRP 7 A. Policy Status PRP 7 B. Policy Term PRP 7 C. Agent Information PRP 7 D. Insured Mailing Address PRP 7 E. Disaster Assistance PRP 7 F. First Mortgagee PRP 8 G. Second Mortgagee/Other PRP 8 H. Property Location PRP 8 I. Community PRP 8 J. Building PRP 9 K. Notice – Building Eligibility PRP 11 L. Premium PRP 11 M. Signature PRP 11 MORTGAGE PORTFOLIO PROTECTION PROGRAM MPPP 1 I. BACKGROUND MPPP 1 II. REQUIREMENTS FOR PARTICIPATING IN THE MPPP MPPP 1 A. General MPPP 1 B. WYO Arrangement Article III – Fees MPPP 2 C. Use of WYO Company Fees for Lenders/Servicers or Others MPPP 2 D. Notification MPPP 2 E. Eligibility MPPP 2 F. Source of Offering MPPP 2 G. Dual Interest MPPP 2 H. Term of Policy MPPP 2 I. Coverage Offered MPPP 3 J. Policy Form MPPP 3 K. Waiting Period MPPP 3 L. Premium Payment MPPP 3 M. Underwriting – Application MPPP 3 N. Rates MPPP 3 O. Policy Declarations Page Notification Requirements MPPP 3 P. Policy Reformation – Policy Correction MPPP 4 Q. Coverage Basis – Actual Cash Value or Replacement Cost MPPP 4 R. Deductible MPPP 4 S. Federal Policy Fee MPPP 4 T. Renewability MPPP 4 U. Cancellations MPPP 4 V. Endorsement MPPP 4 W. Assignment to a Third Party MPPP 4 X. Article XIII – Restriction on Other Flood Insurance MPPP 4 Y. Participating WYO Companies MPPP 5 GENERAL CHANGE ENDORSEMENT END 1 I. ENDORSEMENT RULES END 1 A. Coverage Endorsements END 1 B. Rating Endorsements END 1 C. Misrated Policy END 2 D. Conversion of Standard-Rated Policy to PRP Due to Misrating or Map Revision END 2 E. Changing Deductibles END 2 F. Correcting Property Address END 2 II. ENDORSEMENT PROCESSING PRIOR TO POLICY RENEWAL (NFIP DIRECT BUSINESS ONLY) END 2 A. During the Last 90 Days of Policy Term END 2 B. During the Last 75 Days of Policy Term END 3 C. Refunds Generated from Endorsement Processing END 3 III. PREPARATION OF FORM END 3 A. General Instructions END 3 B. Refund Processing Procedures END 3 IV. ENDORSEMENT RATING EXAMPLES END 5 POLICY RENEWALS REN 1 I. GENERAL INFORMATION REN 1 II. RENEWAL NOTICE REN 1 A. Renewing for the Same Coverage – Option A REN 1 B. Inflation Factor – Option B REN 1 C. Nonrenewal and Cancellation REN 1 III. PREMIUM PAYMENT DUE REN 1 IV. FINAL NOTICE REN 2 V. RENEWAL EFFECTIVE DATE DETERMINATION REN 2 VI. INSUFFICIENT RENEWAL INFORMATION REN 2 VII. ENDORSEMENTS DURING RENEWAL CYCLE REN 2 VIII. SEVERE REPETITIVE LOSS PROPERTIES REN 2 IX. Transfer of Business at Renewal REN 2 CANCELLATION/NULLIFICATION CN 1 I. PROCEDURES AND VALID REASONS CN 1 A. Refund Processing Procedures CN 1 B. Valid Reason Codes for Cancellation/Nullification of NFIP Policies CN 1 II. COMPLETING THE CANCELLATION/ NULLIFICATION REQUEST FORM CN 7 A. Current Policy Number CN 7 B. Policy Term CN 7 C. Agent Information CN 7 D. Insured Mailing Address CN 7 E. First Mortgagee CN 7 F. Other Parties Notified CN 7 G. Property Location CN 7 H. Cancellation Reason Code CN 7 I. Refund CN 7 J. Signature CN 7 CLAIMS CL 1 I. INSURED’S RESPONSIBILITIES CL 1 A. Filing a Claim CL 1 B. Appealing a Claim CL 1 II. AGENT’S/PRODUCER’S RESPONSIBILITIES CL 3 III. SINGLE ADJUSTER PROGRAM IMPLEMENTATION CL 3 A. Schedule and Notification CL 3 B. Training CL 4 C. Agent/Producer Responsibilities CL 4 IV. INCREASED COST OF COMPLIANCE (ICC) CLAIMS CL 4 POLICY POL 1 Dwelling form POL 3 General Property form POL 25 Residential Condominium Building Association policy POL 45 FLOOD MAPS MAP 1 I. OVERVIEW MAP 1 A. Types of Flood Maps MAP 1 B. Map Information MAP 1 C. Communities with Unpublished Maps MAP 1 D. Unmapped Areas in Communities with Maps MAP 1 II. MAP ZONES MAP 1 A. Special Flood Hazard Areas MAP 1 B. Moderate, Minimal Hazard Areas MAP 2 III. LOCATING A SPECIFIC PROPERTY ON A MAP MAP 2 IV. CHANGING OR CORRECTING A FLOOD MAP MAP 2 A. Letter of Map Amendment (LOMA) MAP 2 B. Letter of Map Revision (LOMR) MAP 3 C. Physical Map Revision MAP 3 V. ORDERING FLOOD MAPS MAP 3 A. Ordering Instructions MAP 3 B. Prices MAP 3 C. Map Revisions MAP 4 PROVISIONAL RATING PR 1 I. GENERAL DESCRIPTION PR 1 II. ELIGIBILITY REQUIREMENTS PR 1 III. REFORMATION PR 1 A. Limitations PR 1 B. Endorsement Procedure PR 1 IV. NOTIFICATION REQUIREMENTS PR 2 V. COMPLETING THE PROVISIONAL RATING QUESTIONNAIRE PR 2 A. General Directions PR 2 B. Guidance for Determining Building Elevated on Fill PR 2 VI. PROVISIONAL RATING EXAMPLE PR 4 COASTAL BARRIER RESOURCES SYSTEM CBRS 1 List of Communities CBRS 3 Community Rating System CRS 1 I. GENERAL DESCRIPTION CRS 1 II. ELIGIBILITY CRS 1 III. CLASSIFICATIONS AND DISCOUNTS CRS 1 IV. CRS ACTIVITIES THAT CAN DIRECTLY BENEFIT INSURANCE AGENTS/Producers CRS 1 ELIGIBLE COMMUNITIES CRS 3 GUIDANCE FOR SEVERE REPETITIVE LOSS PROPERTIES SRL 1 I. GENERAL DESCRIPTION SRL 1 II. NOTIFICATION REQUIREMENTS SRL 1 III. DISPUTE RESOLUTION SRL 1 IV. SEVERE REPETITIVE LOSS GRANT PROGRAM SRL 2 GUIDANCE FOR LEASED FEDERAL PROPERTIES LFP 1 I. GENERAL DESCRIPTION LFP 1 II. NOTIFICATION REQUIREMENTS LFP 1 III. TENTATIVE RATES LFP 1 IV. APPEALS LFP 1 DEFINITIONS DEF 1 INDEX IND 1 List of TableS REFERENCE NFIP Servicing Agent Contact Information for NFIP Direct Program Agents REF 2 NFIP General Contact Information for All Nfip Stakeholders REF 3 National Flood Insurance Program Bureau and Statistical Agent Regional Offices REF 4 GENERAL RULES Matching Standard Flood Insurance Policy Forms with Specific Risks GR 2 RATING Amount of Insurance Available RATE 1 Table 1. Emergency Program Rates RATE 1 Table 2. Regular Program – Pre-FIRM Construction Rates RATE 2 Table 3. Regular Program – Post-FIRM Construction Rates RATE 3 Table 4. Regular Program – FIRM Zone AR and AR Dual Zones RATE 9 Table 5. Regular Program – Pre-FIRM and Post-FIRM Elevation-Rated Rates RATE 10 Table 6. Tentative Rates Table RATE 11 Table 7. Federal Policy Fee and Probation Surcharge Table RATE 12 Table 8A. Standard Deductibles RATE 12 Table 8B. Deductible Factors RATE 13 Table 9. Standard Flood Insurance Policy Increased Cost of Compliance (ICC) Coverage Premiums RATE 14 Table 10. V-Zone Risk Rating Relativities Table RATE 31 CONDOMINIUMS Table 1. Condominium Underwriting Guidelines CONDO 2 Table 2. Condominium Rating Chart CONDO 3 Table 3. RCBAP High-Rise Condominium Rates CONDO 10 Table 4. RCBAP Low-Rise Condominium Rates . CONDO 14 Table 5. RCBAP High-Rise and Low-Rise Condominium Rates CONDO 19 Table 6. RCBAP High-Rise and Low-Rise Condominium Rates Increased Cost of Compliance (ICC) Coverage CONDO 21 Table 7. RCBAP Deductible Factors – All Zones CONDO 22 SPECIAL CERTIFICATIONS Approved Communities for Residential Basement Floodproofing Rating Credit CERT 4 PREFERRED RISK POLICY The PRP at a Glance PRP 1 Preferred Risk Policy Condominium Rating Chart PRP 4 PRP Coverage Limits Available Effective January 1, 2011 PRP 5 MORTGAGE PORTFOLIO PROTECTION PROGRAM Mortgage Portfolio Protection Program Rate and Increased Cost of Compliance (ICC) Table MPPP 1 POLICY RENEWALS Summary of Policy Notices REN 3 CANCELLATION/NULLIFICATION Processing Outcomes for Cancellation/Nullification of a Flood Insurance Policy CN 8 COASTAL BARRIER RESOURCES SYSTEM List of Communities CBRS 3 COMMUNITY RATING SYSTEM Table 1. CRS Premium Discounts CRS 2 Table 2. Community Rating System Eligible Communities . CRS 3 GUIDANCE FOR LEASED FEDERAL PROPERTIES Table 1. Tentative Rates Table LFP 2 LIST OF ILLUSTRATIONS Application Flood Insurance Application, Part 1 APP 13 Flood Insurance Application, Part 2 APP 14 RATING Contents Location in Non-Elevated Buildings RATE 26 Contents Location in Elevated Buildings RATE 28 V-Zone Risk Factor Rating Form and Instructions RATE 33 CONDOMINIUM Sample RCV Notification Letter CONDO 9 LOWEST FLOOR GUIDE Lowest Floor Guide for Zones A, AE, A1–A30, AH, AR, AR Dual LFG 5 Lowest Floor Guide for Zones AO and A (without BFE) LFG 5 Lowest Floor Guide for Zones V, VE, V1–V30 LFG 7 SPECIAL CERTIFICATIONS Residential Basement Floodproofing Certificate CERT 7 Floodproofing Certificate for Non-Residential Structures CERT 9 Elevation Certificate and Instructions CERT 11 PREFERRED RISK POLICY Flood Insurance Preferred Risk Policy Application PRP 13 GENERAL CHANGE ENDORSEMENT Flood Insurance General Change Endorsement END 13 POLICY RENEWALS Renewal Notice REN 4 Final Notice REN 6 Credit Card Payment Form REN 8 CANCELLATION/NULLIFICATION Flood Insurance Cancellation/Nullification Request Form CN 9 FLOOD MAPS Map Service Center Order Form MAP 5 Example of Flood Insurance Rate Map (FIRM) MAP 7 Sample Flood Hazard Boundary Map (FHBM) MAP 8 PROVISIONAL RATING Provisional Rating Questionnaire PR 3 Sample Notice to Accompany Provisionally Rated Policies PR 5 GUIDANCE FOR SEVERE REPETITIVE LOSS PROPERTIES Agent SDF Notification Letter SRL 3 Lender SDF Notification Letter SRL 5 Policyholder SDF Notification Letter SRL 7 Premium Increase Notification Letter SRL 9 GUIDANCE FOR SEVERE REPETITIVE LOSS PROPERTIES (continued) Renewal Billing Letter Within Appeal Period SRL 11 Renewal Billing Letter After Appeal Period SRL 12 Renewal Billing Letter After Additional Loss SRL 13 GUIDANCE FOR LEASED FEDERAL PROPERTIES Sample Policyholder Notification Letter LFP 3 Sample Agent Notification Letter LFP 4 Sample Lender Notification Letter LFP 5 REFERENCE I. INTRODUCTION TO THE NATIONAL FLOOD INSURANCE PROGRAM 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. THE WRITE YOUR OWN PROGRAM 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. TECHNICAL ASSISTANCE 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. A. WYO Companies 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. NFIP Servicing Agent (NFIP Direct) Agents/producers and adjusters servicing flood insurance business through the NFIP Servicing Agent 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. Special Direct Facility 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. IV. Contact Information A. NFIP Servicing Agent Contact Information for Nfip Direct Program Agents 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 B. NFIP General Contact Information for All Nfip Stakeholders 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 C. National Flood Insurance Program Bureau and Statistical Agent Regional Offices 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 8400 Corporate Dr., Suite 350 Landover, MD 20785 Phone: 267-560-5057 Fax: 267-560-5057 Walter McGuckin Regional Support Lead Cell: 301-467-8103 wmcguckin@ostglobal.com Entire Country 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 P.O. Box 7342 Penndel, PA 19047 Phone: 267-560-5057 Fax: 267-560-5057 Walter McGuckin Regional Support Lead Cell: 301-467-8103 wmcguckin@ostglobal.com New Jersey, New York, Puerto Rico, Virgin Islands 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 Lynne Magel Regional Manager Cell: 813-404-8782 lmagel@ostglobal.com Alabama, Florida, Georgia, Kentucky, Mississippi, North Carolina, South Carolina, Tennessee P.O. Box 10 Buford, GA 30515 Phone: 770-614-0865 David Clukie Regional Liaison Cell: 813-767-5355 dclukie@ostglobal.com Alabama, Florida, Georgia, Kentucky, Mississippi, North Carolina, South Carolina, Tennessee Region V 100 S. Wacker Dr., Suite 500 Chicago, IL 60606 Phone: 312-596-6728 Fax: 312-939-4198 Rich Roths Regional Manager Cell: 630-309-0384 rroths@ostglobal.com Illinois, Indiana, Michigan, Minnesota, Ohio, Wisconsin Region VI P.O. Box 1536 Frisco, TX 75034 Phone: 214-618-1092 Fax: 214-618-1092 Mark Lujan Regional Manager Cell: 425-417-3159 mlujan@ostglobal.com Arkansas, Louisiana, New Mexico, Oklahoma, Texas Region VII P.O. Box 252 Louisburg, KS 66053 Phone: 913-837-5220 Fax: 913-837-5220 Ally Bishop Regional Manager Cell: 202-486-2738 abishop@ostglobal.com Iowa, Kansas, Missouri, Nebraska Region VIII 999 18th St., Suite 900 Denver, CO 80202 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 PAPERWORK BURDEN DISCLOSURE NOTICE 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. PRIVACY ACT – 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 GENERAL RULES GENERAL RULES I. COMMUNITY ELIGIBILITY A. Participating (Eligible) Communities Flood insurance may be written only in those communities that have been designated as participating in the National Flood Insurance Program (NFIP) by the Federal Emergency Management Agency (FEMA). B. Emergency Program The Emergency Program is the initial phase of a community’s participation in the NFIP. Limited amounts of coverage are available. C. Regular Program The Regular Program is the final phase of a community’s participation in the NFIP. In this phase, a Flood Insurance Rate Map is in effect and full limits of coverage are available. D. Maps Maps of participating communities indicate the degree of flood hazard so that actuarial premium rates can be assigned for insurance coverage on properties at risk. Additional information is provided in the Flood Maps section of this manual. 1. Flood Hazard Boundary Map (FHBM) – Usually the initial map of a community. Some communities entering the Regular Program will continue to use an FHBM renamed a Flood Insurance Rate Map if there is a minimum flood hazard. 2. Flood Insurance Rate Map (FIRM) – The official map of the community containing detailed actuarial risk premium zones. 3. Rescission – Participating communities in the Emergency Program remain in the Emergency Program if an FHBM is rescinded. E. Probation Probation, imposed by the FEMA Regional Director, occurs as a result of noncompliance with NFIP floodplain management criteria. A community is placed on probation for 1 year (may be extended), during which time a $50 surcharge is applied to all NFIP policies, including the Preferred Risk Policy (PRP), issued on or after the Probation Surcharge effective date. Probation is terminated if deficiencies are corrected. However, if a community does not take remedial or corrective measures while on probation, it can be suspended. F. Suspension Flood insurance may not be sold or renewed in communities that are suspended from the NFIP. When a community is suspended, coverage remains in effect until expiration. These policies cannot be renewed. G. Non-Participating (Ineligible) Communities When FEMA provides a non-participating community with an FHBM or a FIRM delineating its floodprone areas, the community is allowed 1 year in which to join the NFIP. If the community chooses not to participate in the NFIP, flood insurance is not available. H. Coastal Barrier Resources Act Flood insurance may not be available for buildings and/or contents located in coastal barriers or otherwise protected areas. See the Coastal Barrier Resources System section in this manual for more information. I. Federal Land Buildings and/or contents located on land owned by the Federal Government are eligible for flood insurance if the Federal agency having control of the land has met floodplain management requirements. All Federal land is recorded under the local community number even if that local community does not have jurisdiction. Certain buildings on Leased Federal Property must be actuarially rated. This includes buildings that the Administrator determines are 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. See the Leased Federal Property section in this manual for more information. II. POLICIES AND PRODUCTS AVAILABLE A. Standard Flood Insurance Policy The Standard Flood Insurance Policy (SFIP) consists of the Dwelling Form, the General Property Form, and the Residential Condominium Building Association Policy (RCBAP) Form. The 3 SFIP forms are reproduced in the Policy section of this manual. The table on the next page shows how agents/producers can use the 3 SFIP forms to insure a variety of residential and non-residential building and contents risks. Matching Standard Flood Insurance Policy Forms with Specific Risks SFIP FORM ELIGIBILITY Dwelling Form Issued to homeowner, residential renter, or owner of residential building containing 1 to 4 units. In NFIP Regular Program community or Emergency Program community, provides building and/or contents coverage for: Single-family, non-condominium residence with incidental occupancy limited to less than 50% of the total floor area; 2–4 family, non-condominium building with incidental occupancy limited to less than 25% of the total floor area; Dwelling unit in residential condominium building; Residential townhouse/rowhouse; Personal contents in a non-residential building. General Property Form Issued to owner of residential building with 5 or more units. In NFIP Regular Program community or Emergency Program community, provides building and/or contents coverage for these and similar “other residential” risks: Apartment building; Residential cooperative building; Dormitory; Assisted-living facility; Hotels, motels, tourist homes, and rooming houses that have more than 4 units where the normal guest occupancy is 6 months or more. Issued to owner or lessee of non-residential building or unit. In NFIP Regular Program community or Emergency Program community, provides building coverage and/or contents coverage for these and similar non-residential risks: Hotel or motel with normal guest occupancy of less than 6 months; Licensed bed-and-breakfast inn; Retail shop, restaurant, or other business; Mercantile building; Grain bin, silo, or other farm building; Agricultural or industrial processing facility; Factory; Warehouse; Poolhouse, clubhouse, or other recreational building; House of worship; School; Nursing home; Non-residential condominium; Condominium building with less than 75% of its total floor area in residential use; Detached garage; Tool shed; Stock, inventory, or other commercial contents. Residential Condominium Building Association Policy (RCBAP) Issued to residential condominium association on behalf of association and unit owners. In NFIP Regular Program community only, provides building coverage and, if desired, coverage of commonly owned contents for residential condominium building with 75% or more of its total floor area in residential use. B. Insurance Products The following products are available under the SFIP: 1. Preferred Risk Policy (PRP) The PRP is available in moderate-risk flood zones B, C, and X. Information about coverage options and eligibility requirements for the PRP is provided in the PRP section of this manual. 2. Mortgage Portfolio Protection Program (MPPP) The Mortgage Portfolio Protection Program (MPPP) offers a force-placed policy available only through a Write Your Own (WYO) Company. Additional information is provided in the MPPP section of this manual. 3. Scheduled Building Policy 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. 4. Group Flood Insurance Group Flood Insurance is issued under 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. The Group Flood Insurance Policy cannot be canceled. However, an applicant may purchase a regular SFIP through the NFIP. When this is done, the group flood certificate for the property owner is void, and premium will not be refunded. III. BUILDING PROPERTY ELIGIBILITY A. Eligible Buildings Insurance may be written only on a structure with 2 or more outside rigid walls and a fully secured roof that is affixed to a permanent site. Buildings must resist flotation, collapse, and lateral movement. At least 51% of the Actual Cash Value (ACV) of buildings, including machinery and equipment, which are a part of the buildings, must be above ground level, unless the lowest level is at or above the Base Flood Elevation (BFE) and is below ground by reason of earth having been used as insulation material in conjunction with energy-efficient building techniques. 1. Appurtenant Structures The only appurtenant structure covered by the SFIP is a detached garage at the described location, which is covered under the Dwelling Form. Coverage is limited to no more than 10% of the limit of liability on the dwelling. Use of this insurance is at the policyholder’s option but reduces the building limit of liability. Appurtenant structure coverage does not apply to any detached garage used or held for use for residential (dwelling), business, or farming purposes. 2. Manufactured (Mobile) Homes/Travel Trailers Eligible buildings also include: 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); and 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. NOTE: All references in this manual to manufactured (mobile) homes include travel trailers without wheels. a. Manufactured (Mobile) Homes – New Policies Effective on or after October 1, 1982 To be insurable under the NFIP, a mobile home: Must be affixed to a permanent foundation. A permanent foundation for a manufactured (mobile) home may be poured masonry slab or foundation walls, or may be piers or block supports, either of which support the mobile home so that no weight is supported by the wheels and axles of the mobile home. Must be anchored if located in a Special Flood Hazard Area (SFHA). For flood insurance coverage, all new policies and subsequent renewals of those policies must be based upon the specific anchoring requirements identified below: A manufactured (mobile) home located within an SFHA must be anchored to a permanent foundation to resist flotation, collapse, or lateral movement by providing over-the-top or frame ties to ground anchors; or in accordance with manufacturer’s specifications; or in compliance with the community’s floodplain management requirements. b. Manufactured (Mobile) Homes – Continuously Insured Since September 30, 1982 All manufactured (mobile) homes on a foundation continuously insured since September 30, 1982, can be renewed under the previously existing requirements if affixed to a permanent foundation. Manufactured (mobile) homes in compliance with the foundation and anchoring requirements at the time of placement may continue to be renewed under these requirements even though the requirements are more stringent at a later date. To be adequately anchored, the manufactured (mobile) home is attached to the foundation support system, which in turn is established (stabilized) into the ground, sufficiently to resist flotation, collapse, and lateral movement caused by flood forces, including wind forces in coastal areas. 3. Silos and Grain Storage Buildings 4. Cisterns 5. Buildings Entirely Over Water – Constructed or Substantially Improved before October 1, 1982 Follow Submit-for-Rate procedures in the Rating section for insurance on Post-FIRM buildings located entirely in, on, or over water or seaward of mean high tide. Pre-FIRM buildings constructed before October 1, 1982, are eligible for normal Pre-FIRM rates. If the building was constructed or substantially improved on or after October 1, 1982, the building is ineligible for coverage. Exception: If a building was originally constructed on land or partially over water, and later becomes entirely over water because of erosion, it is eligible for coverage only if the building has had continuous coverage: from the period beginning at least 1 year prior to the building being located entirely over water, regardless of any changes in the ownership of the building; or from the date of construction if less than 1 year. Acceptable documentation of a building’s continued eligibility for coverage must include the following: A letter from the community official stating that the building originally was constructed on land or only partially over water; and Photographs of the building over land, if available; and The approximate date when the building became located entirely over water; and Proof of continuous flood insurance coverage from the period beginning 1 year prior to the building being located entirely over water, or from the date of construction if less than 1 year. 6. Buildings Partially Over Water Follow Submit-for-Rate procedures in the Rating section for buildings partially over water. However, Pre-FIRM buildings are eligible for normal Pre-FIRM rates. 7. Boathouses Located Partially Over Water The non-boathouse parts of a building into which boats are floated are eligible for coverage if the building is partly over land and also used for residential, commercial, or municipal purposes and is eligible for flood coverage. The area above the boathouse used for purposes unrelated to the boathouse use (e.g., residential occupancy) is insurable from the floor joists to the roof, including walls. A common wall between the boathouse area and the other part of the building is insurable. The following items are not covered: a. The ceiling and roof over the boathouse portions of the building into which boats are floated; b. Floors, walkways, decking, etc., within the boathouse area, or outside the area, but pertaining to boathouse use; c. Exterior walls and doors of the boathouse area not common to the rest of the building; d. Interior walls and coverings within the boathouse area; and e. Contents located within the boathouse area, including furnishings and equipment, relating to the operation and storage of boats and other boathouse uses. The Flood Insurance Application form with photographs, but without premium, must be submitted to the NFIP for premium determination. No coverage becomes effective until the NFIP approves the insurance application, determines the rate, and receives the premium. However, buildings constructed prior to October 1, 1982, may continue to be rated using the published rate. 8. Buildings in the Course of Construction NFIP rules allow for the issuance of an SFIP to cover a building in the course of construction before it is walled and roofed. These rules provide lenders with an option to require flood insurance coverage at the time that the development loan is made to comply with the mandatory purchase requirement outlined in the Flood Disaster Protection Act of 1973, as amended. The policy is issued and rated based on the construction designs and intended use of the building. Buildings in the course of construction that have yet to be walled and roofed are eligible for coverage except when construction has been halted for more than 90 days and/or if the lowest floor used for rating purposes is below the BFE. Materi­als or supplies intended for use in such construction, alteration, or repair are not insurable unless they are contained within an enclosed building on the premises or adjacent to the premises. To determine the eligibility of a residential condominium building under construction, see the Condominiums section of this manual. 9. Severe Repetitive Loss Properties These must be processed by the NFIP Special Direct Facility. See the Severe Repetitive Loss section of this manual for information. B. Single Building To qualify as a single-building structure and be subject to the single-building limits of coverage, a building must be: 1. Separated from other buildings by intervening clear space; or 2. Separated into divisions by solid, vertical, load-bearing walls; each division may be insured as a separate building. a. These walls must divide the building from its lowest level to its highest ceiling and have no openings. b. If there is access through the division wall by a doorway or other opening, the structure must be insured as 1 building unless it meets all of the following criteria: It is a separately titled building contiguous to the ground; and It has a separate legal description; and It is regarded as a separate property for other real estate purposes, meaning that it has most of its own utilities and may be deeded, conveyed, and taxed separately. Additions and Extensions The NFIP insures 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 the insured’s 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. C. Walls 1. Breakaway Walls For an enclosure’s wall to qualify as breakaway, it must meet all of the following criteria: a. Above ground level; and b. Below the elevated floor of an elevated structure; and c. Non-structurally supporting (non-load-bearing walls); and d. Designed to fail under certain wave force conditions; and e. Designed so that, as a result of failure, it causes no damage to the elevated portions of the elevated building and/or its supporting foundation system. 2. Shear Walls Shear walls are used for structural support, but are 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 zone. 3. Solid Perimeter Foundation Walls Solid perimeter foundation walls are used as a means of elevating the building in A Zones and must contain proper openings to allow for the unimpeded flow of floodwaters more than 1 foot deep. Solid perimeter foundation walls are not an acceptable means of elevating buildings in V/VE Zones. D. Determination of Building Occupancy The following terms should be used to determine the appropriate occupancy classification: 1. Single-Family Dwelling 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. 2. 2–4 Family Dwelling 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. 3. 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 (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. 4. 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 buildings, industrial buildings, warehouses, nursing homes, licensed bed-and-breakfasts, and hotels and motels with normal room rentals for less than 6 months. IV. CONTENTS ELIGIBILITY A. Eligible Contents Contents must be located in a fully enclosed building. However, under the Dwelling Form, in a building that is not fully enclosed, contents must be secured to prevent flotation out of the building. B. Vehicles and Equipment The NFIP covers self-propelled vehicles or machines, provided they are not licensed for use on public roads and are: 1. Used mainly to service the described location; or 2. Designed and used to assist handicapped persons while the vehicles or machines are inside a building at the described location. C. Silos, Grain Storage Buildings, and Cisterns Contents located in silos, grain storage buildings, and cisterns are insurable. D. Commercial Contents Coverage Commercial contents in a residential property must be insured on the General Property Form. V. EXAMPLES OF ELIGIBLE RISKS Examples of eligible risks are provided below. A. Building Coverage 1. Cooperative Building – Entire Building in Name of Cooperative (General Property Form) Cooperative buildings where at least 75% of the area of the building is used for residential purposes are considered as residential occupancies, and can be insured for a maximum building coverage of $250,000 in a Regular Program community under the General Property Form. Since they are not in the condominium form of ownership, they cannot be insured under the RCBAP. 2. Timeshare Building – Entire Building in Name of Corporation (General Property Form) Timeshare buildings not in the condominium form of ownership where at least 75% of the area of the building is used for residential purposes are considered as residential occupancies under the NFIP, and can be insured for a maximum building coverage of $250,000 under the General Property Form. Timeshare buildings in the condominium form of ownership are eligible for coverage and must be insured under the RCBAP. These buildings are subject to the same eligibility, rating, and coverage requirements as other condominiums, including the requirement that 75% of the area of the building be used for residential purposes. B. Contents Coverage Parts and equipment as open stock – not part of specific vehicle or motorized equipment – are eligible for coverage. C. Condominiums Refer to the Condominiums section of this manual. VI. INELIGIBLE PROPERTY A. Buildings Coverage may not be available for buildings that are constructed or altered in such a way as to place them in violation of state or local floodplain management laws, regulations, or ordinances. Contents and personal property contained in these buildings are ineligible for coverage. For example, section 1316 of the National Flood Insurance Act of 1968 allows states to declare a structure to be in violation of a law, regulation, or ordinance. Flood insurance is not available for properties that are placed on the 1316 Property List. Insurance availability is restored once the violation is corrected and the 1316 Declaration has been rescinded. B. Container-Type Buildings Gas and liquid tanks, chemical or reactor container tanks or enclosures, brick kilns, and similar units, and their contents are ineligible for coverage. C. Buildings Entirely Over Water Buildings newly constructed or substantially improved on or after October 1, 1982, and located entirely in, on, or over water or seaward of mean high tide are ineligible for coverage. D. Buildings Partially Underground If 50% or more of the building’s ACV, including the machinery and equipment, which are part of the building, is below ground level, the building or units and their contents are ineligible for coverage unless the lowest level is at or above the BFE and is below ground by reason of earth having been used as insulation material in conjunction with energy-efficient building techniques. E. Basement/Elevated Building Enclosures Certain specific property in basements and under elevated floors of buildings is excluded from coverage. See the SFIP for specific information. VII. EXAMPLES OF INELIGIBLE RISKS Some specific examples of ineligible risks are provided below. See the policy for a definitive listing of property not covered. A. Building Coverage 1. Boat Repair Dock 2. Boat Storage Over Water 3. Boathouses (exceptions listed on page GR 4) 4. Camper 5. Cooperative Unit within Cooperative Building 6. Decks (except for steps and landing; maximum landing area of 16 sq. ft.) 7. Drive-In Bank Teller Unit (located outside walls of building) 8. Fuel Pump 9. Gazebo (unless it qualifies as a building) 10. Greenhouse (unless it has at least 2 rigid walls and a roof) 11. Hot Tub or Spa (unless it is installed as a bathroom fixture) 12. Open Stadium 13. Pavilion (unless it qualifies as a building) 14. Pole Barn (unless it qualifies as a building) 15. Pumping Station (unless it qualifies as a building) 16. Storage Tank – Gasoline, water, chemicals, sugar, etc. 17. Swimming Pool Bubble 18. Swimming Pool (indoor or outdoor) 19. Tennis Bubble 20. Tent 21. Timeshare Unit within Multi-Unit Building 22. Travel Trailer (unless converted to a permanent on-site building meeting the community’s floodplain management permit requirements) 23. Water Treatment Plant (unless at least 51% of its ACV is above ground) B. Contents Coverage 1. Automobiles – Including dealer’s stock (assembled or not) 2. Bailee’s Customer Goods – Including garment contractors, cleaners, shoe repair shops, processors of goods belonging to others, and similar risks 3. Contents Located in a Structure Not Eligible for Building Coverage 4. Contents Located in a Building Not Fully Walled and/or Contents Not Secured Against Flotation 5. Motorcycles – Including dealer’s stock (assembled or not) 6. Motorized Equipment – Including dealer’s stock (assembled or not) C. Non-Residential Condominium Unit The owner of a non-residential condominium unit cannot purchase building coverage. Contents-only coverage may be purchased by the unit owner. VIII. POLICY EFFECTIVE DATE There is a standard 30-day waiting period for new applications and for endorsements to increase coverage, with some exceptions as described in subsection C. Effective Date. NOTE: If a flood that is already in progress began before the effective date of the policy, even if the actual damage occurs after the policy effective date, the loss is not covered. A. Receipt Date (in the determination of the effective date) The effective date is determined based in part upon the receipt date as follows: 1. If the Application or endorsement form and the premium payment are received by the insurer within 10 days from the date of application or endorsement request, or if mailed by certified mail within 4 days from the date of application or endorsement request, then the effective date will be calculated from the application or endorsement date. Use the application date or endorsement date plus 9 days to determine whether the Application or endorsement and premium payment were received within 10 days. When sent by certified mail, use the application date or endorsement date plus 3 days to determine whether the Application or endorsement and premium payment were mailed within 4 days. 2. If the application or endorsement form and the premium payment are received by the insurer after 10 days from the date of application or endorsement request, or are not mailed by certified mail within 4 days from the date of application or endorsement request, then the effective date will be calculated from the date the insurer receives the Application or endorsement and premium payment. As used in VIIl.A.1. and 2. above, the term “certified mail” extends to not only the U.S. Postal Service, but also certain third-party delivery services. Acceptable third-party delivery services include Federal Express (FedEx), United Parcel Service (UPS), and courier services and the like that provide proof of mailing. Third-party delivery is acceptable if the delivery service provides documentation of the actual mailing date and delivery date to the insurer. Bear in mind that third-party delivery services deliver to street addresses but cannot deliver to U.S. Postal Service post office boxes. B. Presentment of Premium Date Requirements for Loan Closing FEMA requires WYO Companies and the NFIP Servicing Agent to record the presentment of premium date, the closing date, and the premium payor (insured, lender, title company, settlement attorney, etc.). Presentment of premium is defined as: 1. The date of the check or credit card payment by the applicant or the applicant’s representative if the premium payment is not part of a loan closing. 2. The date of the closing, if the premium payment is part of a loan closing. For a loan closing, premium payment from the escrow account (lender’s check), title company, or settlement attorney is considered made at closing, if the premium is received by the writing company within 30 days of the closing date. NOTE: An agency check may be used if settlement paperwork or a photocopy of the original check from the lender, title company, or settlement attorney is provided as documentation. If the premium payment is not part of the closing, the closing date is the effective date only if the application date is on or before the closing and the Application and premium payment are received by the writing company within 10 days of the closing date. C. Effective Date 1. New Policy – Standard 30-Day Waiting Period The effective date of a new policy will be 12:01 a.m., local time, on the 30th calendar day after the application date and the presentment of premium. (Example: a policy applied for on May 3 will become effective 12:01 a.m., local time, on June 2.) The rules provided in subsection A. Receipt Date must be used. 2. New Policy – No Waiting Period (Loan Transaction) Flood insurance that is initially purchased in connection with the making, increasing, extending, or renewal of a loan shall be effective at the time of loan closing, provided that the policy is applied for at or before closing. Use the rules below to determine the effective date. a. Premium payment from the escrow account (lender’s check), title company, or settlement attorney is considered made at closing if the check is received by the writing company within 30 days of the closing date (closing date plus 29 days) and the Application is dated on or before the closing date. If received after 30 days, the effective date is the receipt date regardless of the flood zone. b. If premium payment is from other than the escrow account (lender’s check), title company, or settlement attorney, and the Application is dated on or before the loan closing date, the effective date is the closing date if the Application and premium are received within 10 days of the closing date (closing date plus 9 days). If received after 10 days, the effective date is the receipt date regardless of the flood zone. (Example: presentment of premium and application date – April 3; refinancing – April 3 at 3:00 p.m.; policy effective date – April 3 at 3:00 p.m.) If a loss occurs during the first 30 days of the policy period, the insurer must obtain documentation, such as settlement papers, to verify the effective date of the policy before adjusting the loss. 3. New Policy – No Waiting Period (in connection with lender requirement) The 30-day waiting period does not apply when flood insurance is required as a result of a lender determining that a loan on a building in an SFHA that does not have flood insurance coverage should be protected by flood insurance. The coverage is effective upon the completion of an Application and the presentment of premium. The rules provided in subsection A. Receipt Date must be used. Buildings currently located in an SFHA but grandfathered to a non-SFHA for rating are eligible for this exception to the standard 30-day waiting period. This rule also applies to buildings in SFHAs that are eligible for coverage under the 2-year PRP Eligibility Extension. (See the PRP section.) (Example: presentment of premium and application date – April 3; policy effective date – April 3.) If a loss occurs during the first 30 days of the policy period, the insurer must obtain a copy of the letter requiring mandatory purchase, to verify the effective date of the policy before adjusting the loss. The letter must be dated on or before the policy effective date. 4. New Policy – 1-Day Waiting Period (Map Revision) Flood insurance initially purchased 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 date of application and the presentment of premium. The rules provided in subsection A. Receipt Date must be used. The 1-day waiting period 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. (Example: FIRM revised – January 1, 2009; policy applied for and presentment of premium – August 3, 2009; policy effective date – August 4, 2009.) The 1-day waiting period rule applies for all buildings, including those owned by condominium associations. If a loss occurs during the first 30 days of the policy period, the insurer must obtain documentation, such as a copy of the previous and current map or other documentation confirming the map revision or update, to verify the effective date of the policy before adjusting the loss. The 1-day waiting period applies only to the initial purchase of flood insurance, which includes coverage already in effect on the map revision date. The 1-day waiting period rule does not apply to renewals or transfers of business effective after the initial purchase of flood insurance. 5. New Policy – No Waiting Period (in connection with the purchase of an RCBAP) When a condominium association is purchasing an RCBAP, the 30-day waiting period does not apply if the condominium association is required to obtain flood insurance as part of the security for a loan under the name of the condominium association. The coverage is effective upon completion of an Application and presentment of premium. The rules provided in subsection A. Receipt Date must be used unless the premium payment was made from the escrow account (lender’s check), title company, or settlement attorney. If a loss occurs during the first 30 days of the policy period, the insurer must obtain documentation, such as settlement papers, to verify the effective date of the policy before adjusting the loss. 6. New Policy (Submit-for-Rate submission) With 3 exceptions (described below), the effective date of a new policy will be 12:01 a.m., local time, on the 30th calendar day after the presentment of premium. The 3 exceptions are as follows: a. There is no waiting period if the initial purchase of flood insurance on an Application requiring the Submit-for-Rate procedure is in connection with making, increasing, extending, or renewing a loan, provided that the policy is applied for and the presentment of premium is made at or prior to the loan closing. The rules provided in subsection A. Receipt Date must be used unless the premium payment was made from the escrow account (lender’s check), title company, or settlement attorney. If a loss occurs during the first 30 days of the policy period, the insurer must obtain documentation, such as settlement papers, to verify the effective date of the policy before adjusting the loss. b. The 30-day waiting period does not apply when flood insurance is required as a result of a lender determining that a loan that does not have flood insurance coverage should be protected by flood insurance, because the building securing a loan is located in an SFHA. The coverage is effective upon the completion of an Application and the presentment of premium. This exemption from the 30-day waiting period applies only to loans in SFHAs, i.e., those loans for which the statute requires flood insurance. The rules provided in subsection A. Receipt Date must be used. If a loss occurs during the first 30 days of the policy period, the insurer must obtain documentation, such as a copy of the letter requiring mandatory purchase, to verify the effective date of the policy before adjusting the loss. c. During the 13-month period beginning on the effective date of a map revision, the effective date of a new policy shall be 12:01 a.m., local time, following the day after the date the increased amount of coverage is applied for and the presentment of additional premium is made. This rule applies only on an initial purchase of flood insurance 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. If a loss occurs during the first 30 days of the policy period, the insurer must obtain documentation, such as a copy of the previous and current map or other documentation confirming the map revision or update, to verify the effective date of the policy before adjusting the loss. 7. New Policy (rewrite of a standard-rated policy to a PRP) The 30-day waiting period does not apply when an insured decides to rewrite the existing policy at the time of renewal from a standard-rated policy to a PRP, provided that the selected PRP coverage limit amount is no higher than the next-highest PRP amount above that which was carried on the standard-rated policy using the highest of building and contents coverage. If the standard-rated policy has only contents coverage and is rewritten as a contents-only PRP, the 30-day waiting period does not apply. When converting a standard-rated policy to a PRP, 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. In addition, if the structure is no longer eligible under the PRP or the insured decides to rewrite the existing PRP at renewal time to a standard-rated policy, the 30-day waiting period does not apply provided the coverage limit amount is no more than the previous PRP coverage amount or the next-higher PRP amount above that. 8. New Policy (contents only) Unless the contents are part of the security for a loan, the 30-day waiting period applies to the purchase of contents-only coverage. 9. New Policy (documentation required) The insurer may rely on an agent’s/producer’s representation on the Application that the loan exception applies unless there is a loss during the first 30 days of the policy period. In that case, the insurer must obtain documentation of the loan transaction, such as settlement papers, to verify the effective date of the policy before adjusting the loss. 10. New Policy (community’s initial entry or conversion from Emergency to Regular Program) Process according to rules 1 through 9 above and 11 through 13 below. 11. Endorsement – Standard 30-Day Waiting Period The effective date for a new coverage or an increase in limits on a policy in force shall be 12:01 a.m., local time, on the 30th calendar day following the date of endorsement and the presentment of additional premium, or on such later date set by the insured to conform with the reason for the change. The rules provided in subsection A. Receipt Date must be used. 12. Endorsement – No Waiting Period (Loan Transaction) The 30-day waiting period does not apply when the additional amount of flood insurance is required in connection with the making, increasing, extending, or renewing of a loan, such as a second mortgage, 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 buyback is part of the renewal offer. IX. COVERAGE A. Limits of Coverage 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 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. Reduction of Coverage Limits or Reformation 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. Loss Assessments 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 a. If the unit owner purchases building coverage under the Dwelling Form and there is an RCBAP insured to at least 80% of the building replacement cost at the time of loss, the loss assessment coverage under the Dwelling Form will pay that part of a loss that exceeds 80% of the association’s building replacement cost. b. The loss assessment coverage under the Dwelling Form will not cover the association’s policy deductible purchased by the condominium association. c. If there is damage to building elements of the unit as well, the Dwelling Form pays to repair unit building elements after the RCBAP limits that apply to the unit have been exhausted. The coverage combination cannot exceed the maximum coverage limits available for a single-family dwelling. 3. RCBAP Insured to Less Than 80% of the Building Replacement Cost a. If the unit owner purchases building coverage under the Dwelling Form and there is an RCBAP insured to less than 80% of the building replacement cost at the time of loss, the loss assessment coverage cannot be used to reimburse the association for its co-insurance penalty. b. The covered damages to the condominium association building must be greater than 80% of the building replacement cost at the time of loss before the loss assessment coverage becomes available under the Dwelling Form. Covered repairs to the unit, if applicable, would have priority over loss assessments. For more information on this topic, see “E. Assessment Coverage” in the Condominiums section and Section III. C. 3. of the Dwelling Form, “Condominium Loss Assessments,” in the Policy section of this manual. F. Improvements and Betterments (Tenant’s Coverage) Under the Dwelling Form and General Property Form, coverage for improvements and betterments is provided for tenants who have purchased personal property and/or building coverage. 1. Personal Property Coverage The maximum amount payable for this coverage, which applies to fixtures, alterations, installations, or additions in the dwelling or apartment in which the insured resides, made or acquired solely at the tenant’s expense, is 10% of the personal property limit of liability shown on the declarations page. Use of this tenant’s coverage reduces the amount of insurance available for personal property. 2. Building Coverage A tenant may purchase higher limits of coverage for improvements and betterments under the building coverage if the lease agreement with the building owner: a. Requires that the tenant purchase insurance coverage for the tenant’s improvements and betterments that are made or acquired; and b. States that the tenant is responsible for the repair of the building and/or improvements and betterments that become damaged. NOTE: Duplicate coverage is not permitted under the NFIP, so only 1 policy can be issued for building coverage, and the amount of building coverage cannot exceed the maximum allowable under the Act. The policy may be issued either in the name of the building owner or in the names of the building owner and the tenant. G. Coverage for Building Items Under the Condominium Unit-Owners’ Contents Coverage Under the Dwelling Form and General Property Form, coverage for additions and alterations to condominium units is provided for condominium unit owners who have purchased personal property coverage. The maximum amount payable for this coverage is 10% of the personal property limit of liability shown on the declarations page. This coverage will apply to additions or alterations made by a unit owner to the interior walls, floor, and ceiling of a condominium unit (not otherwise covered under a flood insurance policy purchased by the condominium association). Use of this coverage reduces the amount of insurance available for personal property. X. SPECIAL RATING SITUATIONS A. Tentative Rates Tentative rates are applied when agents/producers are unable to provide all required underwriting information necessary to rate the policy. Tentatively rated policies cannot be endorsed to increase coverage limits or renewed for another policy term until required actuarial rating information and full premium payment are received by the insurer. If a loss occurs on a tentatively rated policy, the loss payment will be limited by the amount of coverage that the premium initially submitted will purchase (using the correct actuarial rating information), and not the amount requested by application. For more information, see the Tentative Rates subsection in the Rating section of this manual. B. Submit-for-Rate Some risks, because of their unique underwriting characteristics, cannot be rated using this manual and must be submitted to the insurer. The insurer must obtain all information necessary to properly rate and issue the policy. Policies for Submit-for-Rate risks are re-rated annually. For additional information, see the Submit-for-Rate subsection in the Rating section. Pre-FIRM risks may not be rated using the Submit-for-Rate procedures except for buildings with subgrade crawlspaces as described in the Rating section. Pre-FIRM buildings in AO and AH Zones with the basement/enclosure/crawlspace/subgrade crawlspace at or above the BFE or Base Flood Depth are to use the With Certification of Compliance or Elevation Certificate rates and would not have to follow Submit-for-Rate procedures. The policy effective date for a Submit-for-Rate risk is determined based on the date of application and receipt of premium, in the same manner as all other policies. See New Policy (Submit-for-Rate submission) in the Effective Date subsection of this section for the applicable waiting period information. C. Provisional Rates Rules applicable to provisionally rated policies are provided in the Provisional Rating section of this manual. D. Buildings in More Than 1 Flood Zone/BFE Buildings, not the land, located in more than 1 flood zone/BFE must be rated using the more hazardous zone/BFE. This condition applies even though the portion of the building located in the more hazardous flood risk zone/BFE may not be covered under the SFIP, such as a deck attached to a building. (Example: The building must be rated using the more hazardous flood risk zone/BFE if any portion of the attached deck foundation extends into the more hazardous flood risk zone/BFE. If the attached deck overhangs the more hazardous flood risk zone/BFE, but its foundation system does not extend into more hazardous flood risk zone/BFE, then the building must be rated using the flood risk zone/BFE where the building foundation is located.) E. Different BFEs Reported When the BFE shown on a Flood Zone Determination is different than that shown on the Elevation Certificate, and the zone and the map information (community number, panel number, and suffix) are the same on both documents, the BFE shown on the Elevation Certificate must be used to rate the policy. In all cases, the zone and BFE must be from the FIRM in effect on the application date or renewal effective date unless grandfathering. F. Flood Zone Discrepancies When presented with 2 different flood zones, use the more hazardous flood zone for rating unless the building qualifies for grandfathering (see XIV.D. in the Rating section of this manual). The map information (community number, panel number, and suffix) and BFE must come from the same source as the zone used to rate the policy. NOTE: The NFIP rules allow the continued use of the flood zone and/or BFE that was in effect at the time of application or renewal even when a map revision that changes the zone and/or BFE occurs after the policy effective date. XI. MISCELLANEOUS A. Policy Term The policy term available is 1 year for both NFIP Direct business policies and policies written through WYO Companies. B. Application Submission Flood insurance applications and premium payments must be made promptly to the insurer. The date of receipt of premium by the insurer is determined by either the date received at its office or the date of certified mail. In the context of submission of applications, endorsements, and premiums to the insurer, the term “certified mail” includes the U.S. Postal Service and certain third-party delivery services. For details, see subsection VIII.A. Receipt Date within this section. Agents/producers are encouraged to submit flood insurance applications by certified mail. Certified mail ensures the earliest possible effective date if the Application and premium are received by the insurer more than 10 days from the application date. The date of certification becomes the date of receipt by the insurer. C. Delivery of the Policy The policy contract must be sent to the insured on new business or when changes are made to the policy form. The policy declarations page must be sent to the insured, agent/producer, and, if applicable, lender. D. Evidence of Insurance A copy of the Flood Insurance Application and premium payment, or a copy of the declarations page, is sufficient evidence of proof of purchase for new policies. The NFIP does not recognize binders. However, for informational purposes only, the NFIP recognizes certificates or evidences of flood insurance, and similar forms, provided for renewal policies if the following information is included: 1. Policy Form/Type (GP, DP, RCBAP*, PRP) 2. Policy Term 3. Policy Number 4. Insured’s Name and Mailing Address 5. Property Location 6. Current Flood Risk Zone 7. Rated Flood Risk Zone (zone used for rating, including when grandfathering or issuing coverage under the 2-year PRP Eligibility Extension) 8. Grandfathered: Y/N 9. Mortgagee Name and Address 10. Coverage Limits; Deductibles 11. Annual Premium * For an RCBAP, include the number of units and Replacement Cost Value (RCV) of the building. E. Assignment A building owner’s flood insurance building policy may be assigned to a purchaser of the insured building with the written consent of the seller. Policies on buildings in the course of construction and policies insuring contents only may not be assigned. F. Transfer of Business The new insurer must collect all required underwriting information needed to verify the correct rating and issuance of the policy. 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. An RCBAP requires all information needed to issue and rate the policy, including photos and 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. G. Agents’/Producers’ Commissions (NFIP Direct Business Only) The earned commission may be paid only to property or casualty insurance agents/producers duly licensed by a state insurance regulatory authority. It shall not be less than $10 and is computed for both new and renewal policies as follows: Based on the Total Prepaid Amount (less the Federal Policy Fee) for the policy term, the commission will be 15% of the first $2,000 of annualized premium and 5% on the excess of $2,000. Calculated commissions for mid-term endorsements and cancellation transactions will be based upon the same commission percentage that was paid at the policy term’s inception. Commissions for all Scheduled Building Policies are computed as though each policy were separately written. For calculation of commission on an RCBAP, see the Condominiums section of this manual. H. Contract Agent Rule A “Contract Agent” is an employee of a 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. The effective date for a policy written through a Contract Agent has a waiting period that begins on the agent’s/producer’s or employee’s receipt of the premium and completion of the Application. An agent/producer under written contract to a WYO Company is not a Contract Agent if the WYO Company reserves the right to reject the risk. To establish a Contract Agent relationship acceptable to the NFIP, the WYO Company must include the stipulations above in its written contract with the agent/producer or employee. APPLICATION I. USE OF THE FORM 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: Building occupancy; Building type; Basement type; Elevated building type. The flood risk zone. The elevation of the building. II. COMPLETING PART 1 OF THE FLOOD INSURANCE APPLICATION FORM The following are instructions for completing Part 1 of the Flood Insurance Application form. A. Policy Status 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. Policy Term Check the appropriate box to indicate who should receive the renewal bill. If BILL FIRST MORTGAGEE is checked, complete “Mortgagee” section. If BILL SECOND MORTGAGEE, BILL LOSS PAYEE, or BILL OTHER is checked, complete the “Second Mortgagee/Other” section. Enter the policy effective date and policy expiration date (month/day/year). Check the box for the applicable waiting 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. Agent Information 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. Insured Mailing Address 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 further instructions. E. Disaster Assistance 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. F. Property Location 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. Second Mortgagee/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 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. 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). 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). 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. 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. 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. 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: 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. 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.). 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. 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. 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. 1 Floor – excludes unfinished attic; 2 Floors – includes basement, enclosure, crawlspace, and subgrade crawlspace; 3 or More Floors – includes basement, enclosure, crawlspace, and subgrade crawlspace; Split Level – A foundation with a vertical offset in the floor framing on either side of a common wall; Townhouses/Rowhouses (RCBAP low-rise only) – A row of homes sharing at least 1 common wall; 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 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. Condominium Coverage If condominium coverage is being purchased, indicate whether the coverage is for a condominium unit or the entire condominium building. 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. 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. Construction Data 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. 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 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 Certif­-icate 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. Coverage and Rating 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: Manual – Used to rate a policy using the rate tables provided in the NFIP Flood Insurance Manual. 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. 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. 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. Submit for Rating – Used to rate a building for which no risk rate is published in the NFIP Flood Insurance Manual. 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. 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, 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 INSURANCE APPLICATION FORM After completing Part 1 of the Flood Insurance Application, the agent/producer must complete all relevant items in Part 2 for all buildings. A. Section I – All Building Types 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. 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 – Elevated Buildings 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. In 10b, enter the square footage of the total enclosed area below the elevated floor. 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. 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/Travel Trailers 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. SCHEDULED BUILDING POLICY 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. MAILING INSTRUCTIONS 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 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 reduction will be prorated between 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. RATING This section contains information, including rate tables, required to accurately rate a National Flood Insurance Program (NFIP) flood insurance policy. Information and rates for the Preferred Risk Policy (PRP) and Residential Condominium Building Association Policy (RCBAP) are found in their respective sections. The detailed drawings, and accompanying text and tables, in the Lowest Floor Guide section are to be used as a guide for identifying the lowest floor for rating buildings. This guide will assist in developing the proper rate for the building. Examples of some rating situations are shown at the end of this section. I. AMOUNT OF INSURANCE AVAILABLE EMERGENCY PROGRAM REGULAR PROGRAM BUILDING COVERAGE Basic Insurance Limits Additional Insurance Limits Total Insurance Limits Single-Family Dwelling $ 35,000 * $ 60,000 $190,000 $250,000 2–4 Family Dwelling $ 35,000 * $ 60,000 $190,000 $250,000 Other Residential $100,000 ** $175,000 $ 75,000 $250,000 Non-Residential $100,000 ** $175,000 $325,000 $500,000 CONTENTS COVERAGE Residential $ 10,000 $ 25,000 $ 75,000 $100,000 Non-Residential $100,000 $150,000 $350,000 $500,000 * In Alaska, Guam, Hawaii, and U.S. Virgin Islands, the amount available is $50,000. ** In Alaska, Guam, Hawaii, and U.S. Virgin Islands, the amount available is $150,000. NOTE: For the RCBAP, refer to the Condominiums section of this manual for basic insurance limits and maximum amount of insurance available. II. RATE TABLES Rate tables are provided for the Emergency Program and for the Regular Program according to Pre-FIRM, Post-FIRM, and zone classifications. Tables 1–5 show annual rates per $100 of coverage. Table 6 provides tentative rates (for more information, see the Tentative Rates subsection in this section). See Table 7 for Federal Policy Fee and Probation Surcharge. TABLE 1. EMERGENCY PROGRAM RATES ANNUAL RATES PER $100 OF COVERAGE(Basic/Additional) Building Contents Residential .76 .96 Non-Residential .83 1.62 TABLE 2. REGULAR PROGRAM – PRE-FIRM CONSTRUCTION RATES1 ANNUAL RATES PER $100 OF COVERAGE(Basic/Additional) FIRM ZONES A, AE, A1–A30, AO, AH, D2 SINGLE FAMILY 2–4 FAMILY OTHER RESIDENTIAL NON-RESIDENTIAL OCCUPANCY Building Contents Building Contents Building Contents Building Contents BuildinG type No Basement/Enclosure .76 / .66 .96 / 1.18 .76 / .66 .76 / 1.37 .83 / 1.31 With Basement .81 / .97 .96 / .99 .81 / .97 .76 / 1.14 .88 / 1.29 With Enclosure .81 / 1.17 .96 / 1.18 .81 / 1.17 .81 / 1.43 .88 / 1.62 Elevated on Crawlspace .76 / .66 .96 / 1.18 .76 / .66 .76 / 1.37 .83 / 1.31 Non-Elevated with Subgrade Crawlspace .76 / .66 .96 / .99 .76 / .66 .76 / 1.37 .83 / 1.31 Manufactured (Mobile) Home3 .76 / .66 .96 / 1.18 .83 / 1.31 Contents location Basement & Above4 .96 / .99 .96 / .99 1.62 / 2.20 Enclosure & Above5 .96 / 1.18 .96 / 1.18 1.62 / 2.63 Lowest Floor Only — Above Ground Level .96 / 1.18 .96 / 1.18 1.62 / 1.16 Lowest Floor Above Ground Level and Higher Floors .96 / .82 .96 / .82 1.62 / .99 Above Ground Level — More Than 1 Full Floor .35 / .16 .35 / .16 .24 / .16 Manufactured (Mobile) Home3 1.62 / 1.16 FIRM ZONES V, VE, V1–V30 SINGLE FAMILY 2–4 FAMILY OTHER RESIDENTIAL NON-RESIDENTIAL OCCUPANCY Building Contents Building Contents Building Contents Building Contents BuildinG type No Basement/Enclosure .99 / 1.70 1.23 / 2.91 .99 / 1.70 .99 / 3.14 1.10 / 3.26 With Basement 1.06 / 2.53 1.23 / 2.46 1.06 / 2.53 1.06 / 4.69 1.16 / 4.84 With Enclosure 1.06 / 2.99 1.23 / 2.90 1.06 / 2.99 1.06 / 5.24 1.16 / 5.40 Elevated on Crawlspace .99 / 1.70 1.23 / 2.91 .99 / 1.70 .99 / 3.14 1.10 / 3.26 Non-Elevated with Subgrade Crawlspace .99 / 1.70 1.23 / 2.46 .99 / 1.70 .99 / 3.14 1.10 / 3.26 Manufactured (Mobile) Home3 .99 / 6.11 1.23 / 2.90 1.10 / 10.49 Contents location Basement & Above4 1.23 / 2.46 1.23 / 2.46 2.14 / 5.72 Enclosure & Above5 1.23 / 2.90 1.23 / 2.90 2.14 / 6.17 Lowest Floor Only — Above Ground Level 1.23 / 2.90 1.23 / 2.90 2.14 / 5.17 Lowest Floor Above Ground Level and Higher Floors 1.23 / 2.55 1.23 / 2.55 2.14 / 4.47 Above Ground Level — More Than 1 Full Floor .47 / .38 .47 / .38 .45 / .50 Manufactured (Mobile) Home3 2.14 / 9.80 FIRM ZONES A99, B, C, X SINGLE FAMILY 2–4 FAMILY OTHER RESIDENTIAL NON-RESIDENTIAL OCCUPANCY Building Contents Building Contents Building Contents Building Contents BuildinG type No Basement/Enclosure .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 With Basement 1.03 / .35 1.57 / .50 1.03 / .35 1.09 / .35 1.09 / .35 With Enclosure 1.03 / .39 1.57 / .57 1.03 / .39 1.09 / .39 1.09 / .39 Elevated on Crawlspace .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 Non-Elevated with Subgrade Crawlspace .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 Manufactured (Mobile) Home3 .91 / .44 1.39 / .43 1.09 / .45 Contents location Basement & Above4 1.77 / .65 1.77 / .65 1.82 / .71 Enclosure & Above5 1.77 / .75 1.77 / .75 1.82 / .84 Lowest Floor Only — Above Ground Level 1.39 / .69 1.39 / .69 1.12/ .50 Lowest Floor Above Ground Level and Higher Floors 1.39 / .43 1.39 / .43 1.12 / .36 Above Ground Level — More Than 1 Full Floor .41 / .14 .41 / .14 .25 / .14 Manufactured (Mobile) Home3 .98 / .61 1 Pre-FIRM construction refers to a building that has a date of construction or substantial improvement date on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM). 2 Pre-FIRM buildings with subgrade crawlspaces that are below the Base Flood Elevation (BFE) may use optional Post-FIRM elevation rating. Follow the Submit-for-Rate procedures for policy processing. 3 The definition of Manufactured (Mobile) Home includes travel trailers; see the Definitions section. 4 Includes subgrade crawlspace. 5 Includes crawlspace. TABLE 3A. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE(Basic/Additional) FIRM ZONES A99, B, C, X SINGLE FAMILY 2–4 FAMILY OTHER RESIDENTIAL NON-RESIDENTIAL OCCUPANCY Building Contents Building Contents Building Contents Building Contents BuildinG type No Basement/Enclosure .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 With Basement 1.03 / .35 1.57 / .50 1.03 / .35 1.09 / .35 1.09 / .35 With Enclosure 1.03 / .39 1.57 / .57 1.03 / .39 1.09 / .39 1.09 / .39 Elevated on Crawlspace .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 Non-Elevated with Subgrade Crawlspace .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 Manufactured (Mobile) Home1 .91 / .44 1.39 / .43 1.09 / .45 Contents location Basement & Above2 1.77 / .65 1.77 / .65 1.82 / .71 Enclosure & Above3 1.77 / .75 1.77 / .75 1.82 / .84 Lowest Floor Only — Above Ground Level 1.39 / .69 1.39 / .69 1.12 / .50 Lowest Floor Above Ground Level and Higher Floors 1.39 / .43 1.39 / .43 1.12 / .36 Above Ground Level — More Than 1 Full Floor .41 / .14 .41 / .14 .25 / .14 Manufactured (Mobile) Home1 .98 / .61 FIRM ZONE D SINGLE FAMILY 2–4 FAMILY OTHER RESIDENTIAL NON-RESIDENTIAL OCCUPANCY Building Contents Building Contents Building Contents Building Contents BuildinG type No Basement/Enclosure 1.37 / .32 1.11 / .60 1.37 / .32 1.25 / .52 1.25 / .52 With Basement *** *** *** *** *** With Enclosure *** *** *** *** *** Elevated on Crawlspace 1.37 / .32 1.11 / .60 1.37 / .32 1.25 / .52 1.25 / .52 Non-Elevated with Subgrade Crawlspace 1.37 / .32 1.11 / .60 1.37 / .32 1.25 / .52 1.25 / .52 Manufactured (Mobile) Home1 1.78 / .65 1.31 / .67 2.45 / .78 Contents location Basement & Above2 *** *** *** Enclosure & Above3 *** *** *** Lowest Floor Only — Above Ground Level 1.11 / .60 1.11 / .60 1.58 / .50 Lowest Floor Above Ground Level and Higher Floors 1.11 / .40 1.11 / .40 1.58 / .49 Above Ground Level — More Than 1 Full Floor .35 / 12 .35 / .12 .22 / .12 Manufactured (Mobile) Home1 1.58 / .50 FIRM ZONES AO, AH (No Basement/Enclosure/Crawlspace/Subgrade Crawlspace Buildings Only)4 BUILDING CONTENTS OCCUPANCY 1–4 Family Other Res & Non-Res Residential Non-Residential With Certification of Compliance or Elevation Certificate5 .28 / .08 .23 / .08 .38 / .13 .23 / .13 Without Certification of Compliance or Elevation Certificate6,7 1.12 / .21 1.10 / .25 1.05 / .19 1.75 / .24 1 The definition of Manufactured (Mobile) Home includes travel trailers; see the Definitions section. 2 Includes subgrade crawlspace. 3 Includes crawlspace. 4 Zones AO, AH Buildings with Basement/Enclosure/Crawlspace/Subgrade Crawlspace: follow Submit-for-Rate procedures. Pre-FIRM buildings with basement/enclosure/crawlspace/subgrade crawlspace at or above the BFE or Base Flood Depth are to use the “With Certification of Compliance or Elevation Certificate” rates and would not have to follow Submit-for-Rate procedures. 5 “With Certification of Compliance or Elevation Certificate” rates are to be used when the Elevation Certificate shows that the lowest floor elevation used for rating is equal to or greater than the community’s elevation requirement, or when there is a Letter of Compliance from the community. 6 “Without Certification of Compliance or Elevation Certificate” rates are to be used only on Post-FIRM buildings when the Elevation Certificate shows that the lowest floor elevation is less than the community’s elevation requirement. 7 For transfers and renewals of existing business where there is no Letter of Compliance or Elevation Certificate in the company’s file, these rates can continue to be used. Provisional or tentative rates are to be used for new business without an Elevation Certificate or Letter of Compliance. For new business effective on or after October 1, 2011, the provisions of footnote 6 apply. ***SUBMIT FOR RATING TABLE 3B. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE(Basic/Additional) FIRM ZONES AE, A1–A30 — BUILDING RATES Elevation of Lowest Floor Above or Below the BFE1, 4 1 FloorNo Basement/Enclosure/Crawlspace2 More Than 1 FloorNo Basement/Enclosure/ Crawlspace2 More Than 1 FloorWith Basement/Enclosure/Crawlspace2 Manufactured(Mobile) Home3 1–4 Family Other Residential & Non- Residential 1–4 Family Other Residential & Non- Residential 1–4 Family Other Residential & Non- Residential Single Family Non- Residential +4 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24/ .08 .20 / .08 .28 / .10 .24 / .10 +3 .30 / .08 .24 / .10 .25 / .08 .22 / .08 .27 / .08 .22 / .09 .31 / .10 .27 / .10 +2 .42 / .08 .32 / .10 .31 / .08 .25 / .08 .30 / .08 .24 / .09 .52 / .10 .42 / .11 +1 .75 / .10 .56 / .13 .57 / .09 .36 / .09 .38 / .09 .30 / .10 .94 / .13 .83 / .14 0 1.78 / .13 1.60 / .17 1.30 / .12 .99 / .17 .91 / .10 .77 / .16 2.55 / .17 2.15 / .22 -1 4.40 / 1.10 5.39 / 1.15 3.70 / 0.80 3.80 / .50 2.40 / .50 2.15 / .58 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES AE, A1–A30 — CONTENTS RATES Elevation of Lowest Floor Above or Below the BFE1, 4 Lowest Floor Only – Above Ground LevelNo Basement/Enclosure/ Crawlspace2 Lowest Floor Above Ground Level & Higher FloorsNo Basement/Enclosure/ Crawlspace2 More Than 1 FloorWith Basement/Enclosure/ Crawlspace2 Manufactured(Mobile) Home3 Residential Non-Residential Residential Non-Residential Residential Non-Residential Single Family Non-Residential +4 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .13 +3 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .14 .26 / .14 +2 .38 / .12 .24 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .16 .34 / .17 +1 .53 / .12 .39 / .15 .38 / .12 .28 / .12 .38 / .12 .22 / .12 .58 / .20 .58 / .26 0 1.16 / .12 .81 / .27 .68 / .12 .59 / .18 .45 / .12 .35 / .13 1.20 / .26 1.11 / .37 -1 3.10 / .63 2.29 / .80 1.90 / .42 1.53 / .52 .72 / .15 1.15 / .15 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES AE, A1–A30 — CONTENTS RATES Elevation of Lowest Floor Above or Below the BFE1 Above Ground Level More Than 1 Full Floor Single Family 2–4 Family Other Residential Non-Residential +4 .35 / .12 .35 / .12 .22 / .12 +3 .35 / .12 .35 / .12 .22 / .12 +2 .35 / .12 .35 / .12 .22 / .12 +1 .35 / .12 .35 / .12 .22 / .12 0 .35 / .12 .35 / .12 .22 / .12 -1 .35 / .12 .35 / .12 .22 / .12 -2 .35 / .12 .35 / .12 .22 / .12 1 If the Lowest Floor is -1 because of an attached garage and the building is described and rated as a single-family dwelling, see the Lowest Floor Determination subsection in the Lowest Floor Guide section in this manual or contact the insurer for rating guidance; rate may be lower. 2 Includes subgrade crawlspace. 3 The definition of Manufactured (Mobile) Home includes travel trailers; see the Definitions section. 4 Use Submit-for-Rate procedures if either the enclosure below the lowest elevated floor of an elevated building or the crawlspace (under-floor space) that has its interior floor within 2 feet below grade on all sides, which is used for rating, is 1 or more feet below the BFE. ***SUBMIT FOR RATING TABLE 3C. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE(Basic/Additional) UNNUMBERED ZONE A — WITHOUT BASEMENT/ENCLOSURE/CRAWLSPACE/SUBGRADE CRAWLSPACE1,2 Elevation Difference BUILDING RATES CONTENTS RATES TYPE OF ELEVATION CERTIFICATE Occupancy Occupancy 1–4 Family Other Residential & Non-Residential Residential3 Non-Residential3 +5 or more .46 / .08 .40 / .12 .44 / .12 .44 / .12 No Base Flood Elevation4 +2 to +4 1.36 / .11 1.25 / .18 .74 / .13 .70 / .18 +1 2.60 / .52 2.86 / .32 1.52 / .22 1.31 / .40 0 or below *** *** *** *** +2 or more .44 / .08 .39 / .10 .38 / .12 .34 / .12 With Base Flood Elevation5 0 to +1 1.35 / .13 1.15 / .19 1.06 / .14 .91 / .15 -1 4.25 / 1.00 4.96 / .53 2.70 / .33 2.08 / .61 -2 or below *** *** *** *** No Elevation Certificate6 5.00 / 1.30 6.17 / .90 3.33 / .80 2.85 / .96 No Elevation Certificate 1 Zone A buildings with basement/enclosure without proper openings/crawlspace without proper openings/subgrade crawlspace: follow Submit-for-Rate procedures. 2 Pre-FIRM buildings with basement/enclosure/crawlspace/subgrade crawlspace may use this table if the rates are more favorable to the insured. For optional rating, follow the Submit-for-Rate procedures. 3 For elevation-rated risks other than Single Family, when contents are located 1 floor or more above lowest floor used for rating – use Table 3B, Contents Rates, Above Ground Level More Than 1 Full Floor. 4 Elevation difference is the measured distance between the highest adjacent grade next to the building and the lowest floor of the building. 5 Elevation difference is the measured distance between the BFE provided by the community or registered professional engineer, surveyor, or architect and the lowest floor of the building. 6 For policies with effective dates on or after October 1, 2011, the No Elevation Certificate rates apply only to renewals and transfers. Provisional or tentative rates are to be used for new business without an Elevation Certificate. ***SUBMIT FOR RATING TABLE 3D. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) FIRM ZONES ’75–’81, V1–V30, VE — BUILDING RATES1 Elevation of Lowest Floor Above or Below the BFE 1 Floor No Basement/Enclosure/ Crawlspace2 More Than 1 Floor No Basement/Enclosure/ Crawlspace2 More Than 1 Floor With Basement/Enclosure/ Crawlspace2 Manufactured (Mobile) Home3 1–4 Family Other Residential & Non-Residential 1–4 Family Other Residential & Non-Residential 1–4 Family Other Residential & Non-Residential Single Family Non- Residential 04 3.12 / .56 3.77 / 1.45 2.53 / .56 2.74 / 1.36 2.19 / .56 2.45 / 1.10 4.67 / .46 6.65 / .42 -15 6.63 / 3.38 9.87 / 5.43 6.06 / 3.38 8.50 / 4.13 4.32 / 3.07 4.51 / 4.19 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES ’75–’81, V1–V30, VE — CONTENTS RATES Elevation of Lowest Floor Above or Below the BFE Lowest Floor Only – Above Ground Level No Basement/Enclosure/ Crawlspace2 Lowest Floor Above Ground Level & Higher Floors No Basement/Enclosure/ Crawlspace2 More Than 1 Floor With Basement/Enclosure/ Crawlspace2 Manufactured (Mobile) Home3 Residential Non- Residential Residential Non- Residential Residential Non- Residential Single Family Non- Residential 04 4.36 / .92 3.85 / 3.49 2.83 / .91 2.69 / 2.12 1.60 / .78 1.60 / .80 4.19 / .98 4.37 / 4.42 -15 9.55 / 5.81 9.37 / 10.01 5.63 / 4.42 6.43 / 6.28 1.88 / .80 5.73 / 1.07 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES ’75–’81, V1–V30, VE — CONTENTS RATES Elevation of Lowest Floor Above or Below the BFE Above Ground Level More Than 1 Full Floor Single Family 2–4 Family Other Residential Non-Residential 04 .56 / .25 .56 / .25 .42 / .25 -15 .56 / .25 .56 / .25 .42 / .25 -2 .56 / .25 .56 / .25 .46 / .25 1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in zones VE and V1–V30 will be allowed to use the Post-’81 V-Zone rate table if the rates are more favorable to the insured. See instructions in this section for V-Zone Optional Rating. 2 Includes subgrade crawlspace. 3 The definition of Manufactured (Mobile) Home includes travel trailers; see the Definitions section. 4 These rates are to be used if the lowest floor of the building is at or above the BFE. 5 Use Submit-for-Rate procedures if the enclosure below the lowest elevated floor of an elevated building, which is used for rating, is 1 or more feet below the BFE. ***SUBMIT FOR RATING FIRM ZONES ’75–’81, UNNUMBERED V ZONE SUBMIT FOR RATING TABLE 3E. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE 1981 POST-FIRM V1–V30, VE ZONE RATES1 Elevation of the Lowest Floor Above or Below BFE Adjusted for Wave Height2 Elevated Buildings Free of Obstruction3 CONTENTS BUILDING Residential Non-Residential Replacement Cost Ratio .75 or More4 Replacement Cost Ratio .50 to .744 Replacement Cost Ratio Under .504 +4 or more .44 .44 .73 .96 1.48 +3 .46 .46 .84 1.14 1.71 +2 .69 .74 1.15 1.54 2.32 +1 1.19 1.28 1.67 2.23 3.12 0 2.04 2.19 2.63 3.52 4.94 -1 2.93 3.02 3.58 4.72 6.13 -2 4.19 4.42 4.57 5.98 7.63 -3 5.48 5.81 5.48 7.33 9.29 -4 or below *** *** *** *** *** 1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in zones VE and V1–V30 will be allowed to use the Post-’81 V-Zone rate table if the rates are more favorable to the insured. See instructions in this section for V-Zone Optional Rating. 2 Wave height adjustment is not required in those cases where the FIRM indicates that the map includes wave height. 3 Free of Obstruction – The space below the lowest elevated floor must be completely free of obstructions or any attachment to the building, or may have: (1) Insect screening, provided that no additional supports are required for the screening; or (2) Wooden or plastic lattice with at least 40% of its area open and made of material no thicker than ½ inch; or (3) Wooden or plastic slats or shutters with at least 40% of their area open and made of material no thicker than 1 inch. (4) One solid breakaway wall or a garage door, with the remaining sides of the enclosure constructed of insect screening, wooden or plastic lattice, slats, or shutters. Any of these systems must be designed and installed to collapse under stress without jeopardizing the structural support of the building, so that the impact on the building of abnormally high tides or wind-driven water is minimized. Any machinery or equipment below the lowest elevated floor must be at or above the BFE. 4 These percentages represent building replacement cost ratios, which are determined by dividing the amount of building coverage being purchased through the NFIP by the replacement cost. See the Replacement Cost Ratio subsection in this section for more details. ***SUBMIT FOR RATING 1981 POST-FIRM V1–V30, VE ZONE Non-Elevated Buildings SUBMIT FOR RATING 1981 POST-FIRM UNNUMBERED V ZONE SUBMIT FOR RATING TABLE 3F. REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE 1981 POST-FIRM V1–V30, VE ZONE RATES1,2 Elevation of the Lowest Floor Above or Below BFE Adjusted for Wave Height3 Elevated Buildings with Obstruction4 CONTENTS BUILDING Residential Non-Residential Replacement Cost Ratio .75 or More5 Replacement Cost Ratio .50 to .745 Replacement Cost Ratio Under .505 +4 or more .57 .57 1.58 2.10 3.12 +3 .61 .61 1.77 2.33 3.55 +2 .82 .82 2.14 2.80 4.27 +1 1.38 1.47 2.62 3.51 5.07 0 2.20 2.32 3.42 4.68 6.34 -16 3.02 3.19 4.37 5.80 7.79 -26 4.31 4.60 5.28 6.94 9.01 -36 5.62 5.98 6.33 8.24 10.59 -4 or below6 *** *** *** *** *** 1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in zones VE and V1–V30 will be allowed to use the Post-’81 V-Zone rate table if the rates are more favorable to the insured. See instructions in this section for V-Zone Optional Rating. 2 Rates provided are only for elevated buildings, except those elevated on solid foundation walls. For buildings elevated on solid foundation walls, and for non-elevated buildings, follow the Submit-for-Rate procedures. 3 Wave height adjustment is not required in those cases where the FIRM indicates that the map includes wave height. 4 With Obstruction – The space below has an area of less than 300 square feet with breakaway solid walls or contains equipment below the BFE. If the space below has an area of 300 square feet or more, or if any portion of the space below the elevated floor is enclosed with non-breakaway walls, submit for rating. If the enclosure is at or above the BFE, use the “Free of Obstruction” rate table on the preceding page. The elevation of the bottom enclosure floor is the lowest floor for rating (LFE). See Elevated Buildings – Post-FIRM V-Zone Construction in this section for more details. 5 These percentages represent building replacement cost ratios, which are determined by dividing the amount of building coverage being purchased through the NFIP by the replacement cost. See the Replacement Cost Ratio subsection in this section for more details. 6 For buildings with obstruction, use Submit-for-Rate procedures if the enclosure below the lowest elevated floor of an elevated building, which is used for rating, is 1 or more feet below the BFE. ***SUBMIT FOR RATING 1981 POST-FIRM UNNUMBERED V ZONE SUBMIT FOR RATING TABLE 4. REGULAR PROGRAM – FIRM ZONE AR AND AR DUAL ZONES NOT ELEVATION-RATED RATES ANNUAL RATES PER $100 OF COVERAGE(Basic/Additional) PRE-FIRM RATES1 SINGLE FAMILY 2–4 FAMILY OTHER RESIDENTIAL NON-RESIDENTIAL OCCUPANCY Building Contents Building Contents Building Contents Building Contents BuildinG type No Basement/Enclosure .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 With Basement 1.03 / .35 1.57 / .50 1.03 / .35 1.09 / .35 1.09 / .35 With Enclosure 1.03 / .39 1.57 / .57 1.03 / .39 1.09 / .39 1.09 / .39 Elevated on Crawlspace .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 Non-Elevated with Subgrade Crawlspace .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 Manufactured (Mobile) Home2 .91 / .44 1.39 / .43 1.09 / .45 Contents location Basement & Above 1.77 / .65 1.77 / .65 1.82 / .71 Enclosure & Above 1.77 / .75 1.77 / .75 1.82 / .84 Lowest Floor Only — Above Ground Level 1.39 / .69 1.39 / .69 1.12 / .50 Lowest Floor Above Ground Level and Higher Floors 1.39 / .43 1.39 / .43 1.12 / .36 Above Ground Level — More Than 1 Full Floor .41 / .14 .41 / .14 .25 / .14 Manufactured (Mobile) Home2 .98 / .61 1 Pre-FIRM construction refers to a building that has a date of construction or substantial improvement date on or before 12/31/74, or before the effective date of the initial FIRM. 2 The definition of Manufactured (Mobile) Home includes travel trailers; see the Definitions section. POST-FIRM RATES SINGLE FAMILY 2–4 FAMILY OTHER RESIDENTIAL NON-RESIDENTIAL OCCUPANCY Building Contents Building Contents Building Contents Building Contents BuildinG type No Basement/Enclosure .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 With Basement 1.03 / .35 1.57 / .50 1.03 / .35 1.09 / .35 1.09 / .35 With Enclosure 1.03 / .39 1.57 / .57 1.03 / .39 1.09 / .39 1.09 / .39 Elevated on Crawlspace .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 Non-Elevated with Subgrade Crawlspace .91 / .24 1.39 / .43 .91 / .24 .85 / .24 .85 / .24 Manufactured (Mobile) Home1 .91 / .44 1.39 / .43 1.09 / .45 Contents location Basement & Above 1.77 / .65 1.77 / .65 1.82 / .71 Enclosure & Above 1.77 / .75 1.77 / .75 1.82 / .84 Lowest Floor Only — Above Ground Level 1.39 / .69 1.39 / .69 1.12 / .50 Lowest Floor Above Ground Level and Higher Floors 1.39 / .43 1.39 / .43 1.12 / .36 Above Ground Level — More Than 1 Full Floor .41 / .14 .41 / .14 .25 / .14 Manufactured (Mobile) Home1 .98 / .61 1 The definition of Manufactured (Mobile) Home includes travel trailers; see the Definitions section. TABLE 5. REGULAR PROGRAM – PRE-FIRM AND POST-FIRM ELEVATION-RATED RATES ANNUAL RATES PER $100 OF COVERAGE(Basic/Additional) FIRM ZONES AR and AR Dual Zones — BUILDING RATES Elevation of Lowest Floor Above or Below the BFE 1 FloorNo Basement/Enclosure/Crawlspace1 More Than 1 FloorNo Basement/Enclosure/ Crawlspace1 More Than 1 FloorWith Basement/Enclosure/Crawlspace1 Manufactured(Mobile) Home2 1–4 Family Other Residential & Non- Residential 1–4 Family Other Residential & Non- Residential 1–4 Family Other Residential & Non- Residential Single Family Non- Residential +4 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .28 / .10 .24 / .10 +3 .30 / .08 .24 / .10 .25 / .08 .22 / .08 .27 / .08 .22 / .09 .31 / .10 .27 / .10 +2 .42 / .08 .32 / .10 .31 / .08 .25 / .08 .30 / .08 .24 / .09 .52 / .10 .42 / .11 +1 .75 / .10 .56 / .13 .57 / .09 .36 / .09 .38 / .09 .30 / .10 .91 / .44 .83 / .14 0 .91 / .24 .85 / .24 .91 / .24 .85 / .24 .91 / .10 .77 / .16 .91 / .44 1.09 / .45 -13 See Footnote3 FIRM ZONES AR and AR Dual Zones — CONTENTS RATES Elevation of Lowest Floor Above or Below the BFE Lowest Floor Only – Above Ground Level No Basement/Enclosure/ Crawlspace1 Lowest Floor Above Ground Level & Higher Floors No Basement/Enclosure/ Crawlspace1 More Than 1 Floor With Basement/Enclosure/ Crawlspace1 Manufactured (Mobile) Home2 Residential Non- Residential Residential Non- Residential Residential Non- Residential Single Family Non- Residential +4 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .13 +3 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .14 .26 / .14 +2 .38 / .12 .24 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .16 .34 / .17 +1 .53 / .12 .39 / .15 .38 / .12 .28 / .12 .38 / .12 .22 / .12 .58 / .20 .58 / .26 0 1.16 / .12 .81 / .27 .68 / .12 .59 / .18 .45 / .12 .35 / .13 1.20 / .26 .98 / .61 -13 See Footnote3 FIRM ZONES AR and AR Dual Zones — CONTENTS RATES Elevation of Lowest Floor Above or Below the BFE Above Ground Level More Than 1 Full Floor Single Family 2–4 Family Other Residential Non-Residential +4 .35 / .12 .35 / .12 .22 / .12 +3 .35 / .12 .35 / .12 .22 / .12 +2 .35 / .12 .35 / .12 .22 / .12 +1 .35 / .12 .35 / .12 .22 / .12 0 .35 / .12 .35 / .12 .22 / .12 -14 .35 / .12 .35 / .12 .22 / .12 -24 .35 / .12 .35 / .12 .22 / .12 1 Includes subgrade crawlspace. 2 The definition of Manufactured (Mobile) Home includes travel trailers; see the Definitions section. 3 Use Table 4. 4 These rates are applicable only to contents-only policies. TABLE 6. 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 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. 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. Deductible Buyback 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. Changes in Deductible Amount 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 buyback is part of the renewal offer. TABLE 8A. STANDARD DEDUCTIBLES 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 TABLE 8B. DEDUCTIBLE FACTORS Single-Family and 2–4 Family Building and Contents Policies1,2,3 Deductible Options: Building/Contents Post-FIRM$1,000 Ded. Pre-FIRM$2,000 Ded. Deductible Options: Building/Contents Post-FIRM$1,000 Ded. Pre-FIRM$2,000 Ded. $1,000/$1,000 1.000 1.100 $4,000/$3,000 .800 .875 $2,000/$1,000 .950 1.030 $4,000/$4,000 .775 .850 $2,000/$2,000 .925 1.000 $5,000/$1,000 .825 .900 $3,000/$1,000 .900 .980 $5,000/$2,000 .800 .875 $3,000/$2,000 .875 .950 $5,000/$3,000 .780 .850 $3,000/$3,000 .850 .925 $5,000/$4,000 .765 .830 $4,000/$1,000 .850 .900 $5,000/$5,000 .750 .810 $4,000/$2,000 .825 .900 Single-Family and 2–4 Family Building-Only or Contents-Only Policies1,2,3 Building Post-FIRM $1,000 Ded. Pre-FIRM $2,000 Ded. $1,000 1.000 1.075 $2,000 .935 1.000 $3,000 .885 .945 $4,000 .835 .890 $5,000 .785 .840 Other Residential and Non-Residential Policies1,2,5 Building/Contents Discount from Amount Building Only Contents Only Post-FIRM $1,000 Ded. Pre-FIRM $2,000 Ded. Post-FIRM $1,000 Ded. Pre-FIRM $2,000 Ded. Post-FIRM $1,000 Ded. Pre-FIRM $2,000 Ded. $1,000/$1,000 1.000 1.050 $1,000 1.000 1.050 1.000 1.050 $2,000/$2,000 .960 1.000 $2,000 .960 1.000 .965 1.000 $3,000/$3,000 .930 .970 $3,000 .925 .965 .940 .975 $4,000/$4,000 .910 .950 $4,000 .900 .935 .915 .950 $5,000/$5,000 .890 .930 $5,000 .875 .910 .890 .925 $10,000/$10,0005 .815 .855 $10,000 .775 .800 .815 .850 $15,000/$15,0005 .765 .800 $15,000 .700 .725 .740 .775 $20,000/$20,0005 .715 .750 $20,000 .625 .650 .670 .700 $25,000/$25,0005 .665 .700 $25,000 .575 .600 .620 .650 $50,000/$50,0005 .565 .600 $50,000 .475 .500 .550 .575 1 Deductible factors for the RCBAP are located in the Condominiums section. 2 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. 3 These deductible factors apply for condominium unit owners. 4 Also applies to residential unit contents in Other Residential building or in multi-unit condominium building. 5 Deductibles of $10,000 to $50,000 are available only for Non-Residential Policies. IV. INCREASED COST OF COMPLIANCE (ICC) COVERAGE Coverage is afforded under the Standard Flood Insurance Policy (SFIP) for the increased cost to rebuild, or otherwise alter, a flood-damaged structure to bring it into conformance with state or local floodplain management ordinances or laws. ICC coverage is mandatory for all SFIPs except for (1) those sold in Emergency Program communities, (2) contents-only policies, (3) Dwelling Forms on individual condominium units within a multi-unit building, and (4) Group Flood Insurance. For these 4 cases, ICC coverage is not available. In a condominium building, ICC coverage is only available through the condominium association’s flood policy. The current ICC coverage limit is $30,000 per building or, for non-condominium townhouse construction, per unit, per policy. This coverage amount is in addition to the Building Amount of insurance purchased. However, for any 1 flood event, the amount of combined loss payment received from Building coverage and ICC coverage cannot exceed the maximum program limits of $250,000 for residential structures and $500,000 for non-residential structures. tABLE 9. STANDARD FLOOD INSURANCE POLICYINCREASED COST OF COMPLIANCE (ICC) cOVERAGE Premiums for $30,000 ICC Coverage All Except RCBAP, MPPP, Preferred Risk Policies, and Submit-for-Rate Policies FIRM Zone Residential Non-Residential Building Amount of Insurance Building Amount of Insurance $1–$230,000 $230,001–$250,000 $1–$480,000 $480,001–$500,000 Post-FIRM A, AE, A1–A30, AO, AH $ 5 $ 4 $ 5 $ 4 AR, AR DUAL ZONES $ 5 $ 4 $ 5 $ 4 POST-’81 V1–V30, VE $18 $13 $18 $13 ’75–’81 V1–V30, VE $30 $20 $30 $20 A99, B, C, X, D $ 5 $ 4 $ 5 $ 4 Pre-FIRM A, AE, A1–A30, AO, AH $70 $55 $70 $55 AR, AR DUAL ZONES $ 5 $ 4 $ 5 $ 4 V, VE, V1–V30 $70 $55 $70 $55 A99, B, C, X, D $ 5 $ 4 $ 5 $ 4 NOTES: (1) ICC coverage does not apply to the Emergency Program, individually owned condominium units located within a multi-unit building and insured under the Dwelling Form, contents-only policies, and Group Flood Insurance Policies. (2) The ICC Premium is not eligible for the deductible discount. First calculate the deductible discount, then add in the ICC Premium. (3) Use only 1 ICC Premium amount listed above for each building to be insured. (4) For scheduled building policies, apply ICC Premium for each building. (5) Add Federal Policy Fee and Probation Surcharge, if applicable, when computing the premium. (6) Elevation-rated Pre-FIRM buildings should use Post-FIRM ICC Premiums. (7) See page RATE 18 for AR Zone and AR Dual Zone Rating information. (8) For flood policies issued through the Mortgage Portfolio Protection Program (MPPP), use the rates and ICC Premiums in the table in the MPPP section. (9) For Submit-for-Rate policies, use the ICC Premium Table contained in the Specific Rating Guidelines. V. RATING STEPS A. Determine the exact location of the building and/or contents to be insured. If the mailing address differs from the property address, use the property address only. B. Determine if the building is located in an eligible community. Not all communities participate in the NFIP. There is no coverage available in non-participating communities. If you are uncertain, call the NFIP insurer, consult a local community official, or check the NFIP Community Status Book online (http://www.fema.gov/fema/csb.shtm). C. Determine the NFIP program phase (Emergency or Regular) and the community in which the property is located. Some communities may be eligible for premium discounts under the Community Rating System (CRS). See the CRS section for a list of eligible communities, the corresponding discounts, and an example showing how to apply the CRS discount. D. Determine the location of the contents in the building. E. Determine the date of construction as described below: 1. Date of Construction — Buildings For flood insurance purposes, the date of construction for buildings under the NFIP must be determined in order to establish whether the building is Pre-FIRM or Post-FIRM construction. The start of construction or substantial improvement for insurance purposes means the date the building permit was issued, provided the actual start of construction, repair, reconstruction, or improvement was within 180 days of the permit date. For the Coastal Barrier Resources System, the start of construction or substantial improvement, for insurance purposes, must be determined in accordance with the documentation requirements set forth by the Coastal Barrier Resources Act (CBRA). (See the Coastal Barrier Resources System section.) 2. Date of Construction – Manufactured (Mobile) Homes/Travel Trailers The date of construction for a manufactured (mobile) home is different from that for a standard building and depends upon the location of the manufactured (mobile) home. For manufactured (mobile) homes located in manufactured (mobile) home parks or subdivisions, the date of construction is the date facilities were constructed for servicing the manufactured (mobile) home site, or the date of the permit, provided that construction began within 180 days of the permit date. For manufactured (mobile) homes not located in manufactured (mobile) home parks or subdivisions, but located on individually owned lots or tracts of land, the date of construction is the date the manufactured (mobile) home was permanently affixed to the site, or the permit date if affixed to the site within 180 days of the date of permit. 3. Pre-FIRM Construction For the purpose of determining insurance rates, buildings for which the start of construction or substantial improvement was on or before December 31, 1974, or before the effective date of the initial FIRM for the community, are considered Pre-FIRM construction. All historic buildings are considered Pre-FIRM as long as the building meets the definition of a historic building. (See the Definitions section.) Pre-FIRM buildings that are substantially improved may continue being rated as Pre-FIRM if certain conditions are satisfied. Pre-FIRM rating is applicable ONLY when ALL of the following conditions are met: a. The building must be Pre-FIRM. b. The substantial improvement must be an ADDITION to the building. (This condition excludes substantial improvements made as interior remodeling or repair projects.) c. The ADDITION and extension must be next to and in contact with the existing building. (This condition does not apply to substantial improvements consisting of the construction of additional floors.) d. An Elevation Certificate must be submitted to the NFIP Underwriting Unit with the Application or renewal. The Elevation Certificate must verify that the lowest floor elevation of the ADDITION is at or above the applicable BFE in effect at the time the addition is started. NOTE: Elevation Certificates certified on or after April 1, 2010, must be submitted on the 2009 Elevation Certificate form (OMB expiration 2012). The Elevation Certificate must meet all photograph requirements described in the Special Certifications section of this manual. An Elevation Certificate submitted without the required photographs is not considered valid for rating. If all of the above conditions are satisfied, the entire building is eligible for Pre-FIRM rates. (Except for some V-Zone risks and some manufactured [mobile] home risks, Post-FIRM rates provide less costly coverage and, therefore, the coverage may be rated using the lower Post-FIRM rates.) If the above conditions are not satisfied, the entire building must be rated as Post-FIRM. 4. Post-FIRM Construction For insurance rating purposes, buildings for which the start of construction or substantial improvement was after December 31, 1974, or on or after the effective date of the initial FIRM for the community, whichever is later, are considered Post-FIRM construction. VI. PREMIUM CALCULATION A. Emergency Program 1. Determine Occupancy Type: Residential or Non-Residential. 2. Calculate premium using appropriate rates. 3. Apply appropriate deductible factor if an Optional Deductible is selected. 4. Add Federal Policy Fee. B. Regular Program 1. Determine whether the property to be insured is Pre-FIRM or Post-FIRM. 2. Determine Zone. 3. Determine Occupancy: Single Family, 2–4 Family, Other Residential, Non-Residential, or Manufactured (Mobile) Home. 4. Determine Building Type (including basement or enclosure, if any): 1 floor, 2 floors, 3 or more floors, split level, or manufactured (mobile) home on foundation. 5. Determine whether building has a basement (or enclosed area below an elevated building): none, finished, or unfinished. 6. Determine Elevation Difference. 7. Calculate premium using the appropriate rates. 8. Apply appropriate deductible factor if an Optional Deductible is selected. 9. The ICC Premium is not subject to deductible factors. First calculate the deductible amount, then add in the ICC Premium. 10. Apply CRS discount, if applicable. 11. Add $50 Probation Surcharge if building is located in a community on probation. 12. Add Federal Policy Fee. VII. KEY POINTS FOR RATING A. Basic Limits and Additional Limits For rating purposes in the Regular Program, separate rates have been established for the Basic Limits and the Additional Limits. B. Whole Dollars NFIP accepts premium only in whole dollars. If the discount for an optional deductible does not result in a whole-dollar premium, round up if 50¢ or more; round down if less. Always submit the gross premium. C. Increased Cost of Compliance (ICC) Premium Total Prepaid Amount will include ICC Premium. The ICC Premium is not subject to deductible factors, but the CRS discount will apply. D. Federal Policy Fee A Federal Policy Fee shall be charged for all new and renewal policies, including the PRP. This fee is fully earned on the effective date of the policy, except as indicated in the Cancellation/Nullification section. This fee is not subject to earned commissions and, as such, is not considered part of the Total Prepaid Premium. The Federal Policy Fee must, however, be added to the Total Prepaid Premium in order to figure the Total Prepaid Amount. Under the RCBAP, the Federal Policy Fee is based on the number of units. (See the Condominiums section.) E. Buildings in More Than 1 Flood Zone/BFE Buildings, not the land, located in more than 1 zone/BFE must be rated using the more hazardous zone/BFE. This condition applies even though the portion of the building located in the more hazardous flood risk zone/BFE may not be covered under the SFIP, such as a deck attached to a building. (Example: The building must be rated using the more hazardous flood risk zone/BFE if any portion of the attached deck foundation extends into the more hazardous flood risk zone/BFE. If the attached deck overhangs the more hazardous flood risk zone/BFE, but its foundation system does not extend into more hazardous flood risk zone/BFE, then the building must be rated using the flood risk zone/BFE where the building foundation is located.) F. Different BFEs Reported When the BFE shown on a Flood Zone Determination is different than that shown on the Elevation Certificate, and the zone and the FIRM number (including panel number and suffix) are the same, the BFE shown on the Elevation Certificate must be used to rate the policy. In all cases, the zone and BFE must be from the FIRM in effect on the application date or renewal effective date, unless grandfathering. G. Flood Zone Discrepancies When presented with 2 different flood zones, use the more hazardous flood zone for rating unless the building is eligible for grandfathering (see XIV.D. on pages RATE 21 – 22). The FIRM number (including panel number and suffix) and BFE must come from the same source as the zone used to rate the policy. NOTE: The NFIP rules allow the continued use of the flood zone and/or BFE that was in effect at the time of application or renewal even when a map revision that changes the zone and/or BFE occurs after the policy effective date. H. Mortgagee on Policy – Higher Deductible Requested When a mortgagee is listed on the policy, their written consent should be secured before requesting a deductible higher than the applicable standard deductible. VIII. REGULAR PROGRAM, POST-FIRM ELEVATION-RATED RISKS A. Elevation Difference The elevation difference is the difference between the lowest floor used for rating and the BFE. The elevation difference must be determined if the building is Post-FIRM, located in a Special Flood Hazard Area (SFHA), and within a Regular Program community. Refer to the Lowest Floor Guide section for a guide to determining the lowest floor. Note that, in Puerto Rico, elevations are based on meters rather than feet. Before rating the flood insurance premium, the agent/producer must convert the meter elevations into feet. For rating purposes, the elevation difference is the difference, measured in feet, between the lowest floor elevation of the building to be rated, and the BFE for that zone. The elevation difference can be a number of feet above (+) or below (-) the BFE. If the BFE and/or the lowest floor elevation is shown in tenths (e.g., 10.5’), the agent/producer must apply the rounding rule to the difference between the elevation of the lowest floor for rating and the BFE. If the difference is negative, the final figure is rounded up from .5. If the difference is positive, the final figure is rounded up from .5. Always round to the higher elevation. For example, -3’ is higher than -3.5’ and +4’ is higher than +3.5’. Rounding Rule Example: 11.5’ LF – 11.0’ BFE = +0.5’Because the difference is positive, it is rounded up to 1.0’. 10.5’ LF – 11.0’ BFE = -0.5’Because the difference is negative, it is rounded up to 0’. B. Examples Examples to illustrate how to determine the elevation difference are provided below. 1. Zones A1–A30, AE, AR, AR Dual Zones, Post-’81 V1–V30, VE, and A (With BFE) Lowest Floor Elevation Base Flood Elevation (BFE) = Elevation Difference Examples: a. Lowest Floor Elevation (+10’) – BFE (+6’) = Elevation Difference of (+4’). b. Lowest Floor Elevation (+8.3’) – BFE (+6.0’) = Elevation Difference of (+2.3’); therefore, (+2.3’) is rounded down to (+2.0’). c. Lowest Floor Elevation (+12.4’) – BFE (+8.8’) = Elevation Difference of (+3.6’); therefore, (+3.6’) is rounded up to (+4.0’). d. Lowest Floor Elevation (+9.5’) – BFE (+12.0’) = Elevation Difference of (-2.5’); therefore, (-2.5’) is rounded up to (-2’). 2. Zone AH Lowest Floor Elevation – Base Flood Elevation (BFE) = Elevation Difference Examples: a. Lowest Floor Elevation (+4’) – BFE (+2’) = (+2’); use With Certification of Compliance rates. b. Lowest Floor Elevation (+6’) – BFE (+8’) = (-2’); use Without Certification of Compliance rates. c. Lowest Floor Elevation (+3.9’) – BFE (+4’) = (0’); use With Certification of Compliance rates. 3. Zone AO In AO Zones, the difference between the top of the bottom floor and the highest adjacent grade is the lowest floor elevation used for rating. If the lowest floor elevation is equal to or greater than the Base Flood Depth printed on the FIRM, use With Certification of Compliance rate. If the elevation difference is less than the Base Flood Depth, use Without Certification of Compliance rates. When no Base Flood Depth is printed on the FIRM, a depth of 2 feet must be used for rating purposes. Examples: a. Lowest Floor Elevation (distance between the top of the bottom floor and the highest adjacent grade) (+2.9’) – Base Flood Depth (3’) = (0’); use With Certification of Compliance rates. b. Lowest Floor Elevation (0’) – Base Flood Depth (+1’) = (-1’); use Without Certification of Compliance rates. c. Lowest Floor Elevation (+2’) – (+2’) (no published Base Flood Depth) = (0’); use With Certification of Compliance rates. 4. Zone A (With No BFE) In Zone A where there is no established BFE, the difference between the top of the bottom floor and the highest adjacent grade is the lowest floor elevation used for rating. Examples: Lowest Floor Elevation (distance between the top of the bottom floor and the highest adjacent grade) (+3’) = (+3’) for rating purposes (use the No BFE rates). The top of the bottom floor is 3’ above the highest adjacent grade. a. Lowest Floor Elevation (-2’) = (-2’) for rating purposes. The top of the bottom floor is below the highest adjacent grade by 2’. 5. Zones V1–V30, VE Post-FIRM 1975–’81 Lowest Floor Elevation – Base Flood Elevation (BFE) = Elevation Difference C. Optional Elevation Rating Pre-FIRM construction, at the option of the applicant, may be rated using Pre- or Post-FIRM rating. Once it is determined which rating will provide a lower premium, a policy may be endorsed to obtain a lower rate. Pre-FIRM buildings with subgrade crawlspaces that are below the BFE may use optional Post-FIRM elevation rating. For policy processing, follow the procedures in the Submit-for-Rate subsection in this section. This is the only Pre-FIRM construction that can be rated using the Submit-for-Rate procedures. Pre-FIRM buildings in AO and AH Zones with the basement/enclosure/crawlspace/subgrade crawlspace at or above the BFE or Base Flood Depth are to use the With Certification of Compliance or Elevation Certificate rates and would not have to follow Submit-for-Rate procedures. IX. PRE-FIRM ELEVATED BUILDING RATED WITH PRE-FIRM RATES Pre-FIRM elevated buildings with no enclosures beneath the lowest elevated floor are to be rated using the No Basement rates. Pre-FIRM elevated buildings with 1 or more enclosures beneath the lowest elevated floor are to be rated using the With Enclosure or Elevated on Crawlspace rates as appropriate. X. AR ZONE AND AR DUAL ZONE RATING NOTE: AR Dual Zones appear on the FIRM as AR/AE, AR/AH, AR/AO, AR/A1–A30, and AR/A. For Pre-FIRM construction and Post-FIRM non-elevation rated risks, use the rates provided in Table 4. Structures in AR and AR Dual Zones with an Elevation Certificate may be rated using the rates provided in Table 5. XI. POST-FIRM AO ZONE RATING In Zone AO, when the Base Flood Depth number is not printed on the FIRM, a Base Flood Depth of 2 feet is an acceptable standard unless modified by community ordinance or state law. The difference from the top of the lowest floor to the highest adjacent ground (grade) must be greater than or equal to 2 feet in order to use the more favorable With Certification of Compliance or Elevation Certificate rates. If the difference is less than 2 feet, the Without Certification of Compliance rates are to be used. XII. POST-FIRM RATING OF ELEVATED BUILDINGS IN ZONES B, C, X, A99, AND D Post-FIRM elevated buildings in the above zones with no enclosures beneath the lowest elevated floor are to be rated using the No Basement/Enclosure rates. Post-FIRM elevated buildings in the above zones with 1 or more enclosures beneath the lowest elevated floor are to be rated using the With Enclosure rates unless all enclosures are properly vented. XIII. REGULAR PROGRAM V-ZONE POST-FIRM CONSTRUCTION A. Rating All V-Zone Buildings For an elevated building (building on posts, piles, or piers only) rated without an enclosure or obstruction, the zone V, V1–V30, and VE rates do not take into consideration the flood risk associated with any addition of a habitable area (finished or used as living or work area) below the lowest elevated floor. Further, rates do not allow for any flood risk to the machinery or equipment used to service the building located below the lowest elevated floor. NOTE: A 1975–’81 elevated building with an unfinished enclosure under 300 square feet, with breakaway walls, and without machinery or equipment, can be rated without taking into account the enclosure, but an elevated Post-FIRM building constructed on or after October 1, 1981, cannot. For all Post-FIRM non-elevated buildings constructed on or after October 1, 1981, the Submit-for-Rate procedures should be followed. B. Zones VE and V1–V30 — Enclosure Containing Machinery or Equipment Below BFE Follow these steps when determining the lowest floor for rating in zones VE and V1–V30 where there is an enclosure containing machinery or equipment located below the BFE: 1. The bottom of the enclosure slab is the correct floor for rating. Determine whether the elevation in Item C2.c on the Elevation Certificate (bottom of lowest horizontal structural member) reflects the top or the bottom of the slab. 2. If the lowest horizontal structural member is equal to or higher than Item C2.f on the Elevation Certificate (lowest adjacent grade), deduct (for 1–4 family residences) 12 inches from the elevation found in Item C2.c and 18 inches for buildings other than 1–4 family. This estimated elevation is the elevation figure used for rating the flood insurance policy. 3. If the surveyor has used Item C2.a on the Elevation Certificate (top of bottom floor including basement or enclosure) to indicate the elevation of the enclosure slab, then the bottom of the enclosure slab is the correct floor for rating. Determine whether the elevation in Item C2.a or Item C3.a reflects the top or the bottom of the slab. 4. If Item C2.a is equal to or higher than Item C2.f, deduct (for 1–4 family residences) 12 inches from the elevation found in Item C2.a and 18 inches for buildings other than 1–4 family. This estimated elevation is the elevation figure used for rating the flood insurance policy. C. 1975–’81 Post-FIRM V-Zone Construction 1975–’81 Post-FIRM V-Zone Construction refers to any V-Zone Post-FIRM building for which the start of construction or substantial improvement began January 1, 1975, through September 30, 1981. D. 1981 Post-FIRM V-Zone Construction 1981 Post-FIRM V-Zone Construction refers to any V-Zone Post-FIRM building for which (1) the permit application date for the construction or substantial improvement is on or after October 1, 1981, or (2) the permit was issued before October 1, 1981, and the actual start date of construction did not begin within 180 days of the permit date. E. Elevated Buildings – Post-FIRM V-Zone Construction 1. Elevated Building Without Obstruction The area below the lowest elevated floor is open, with no obstruction, to allow the flow of floodwaters. Insect screening is permissible. Wooden or plastic lattice, slats, or shutters are also permissible if at least 40% of their area is open. Lattice can be no thicker than ½ inch; slats or shutters can be no thicker than 1 inch. In addition, buildings are considered without obstruction if the area below the lowest elevated floor is enclosed by a combination of 1 solid breakaway wall or garage door, and the other sides of the enclosure are insect screening, or wooden or plastic lattice, slats, or shutters. Machinery or equipment below the lowest elevated floor must be at or above the BFE. Use the rates from Table 3E. For unnumbered Zone V, use Submit-for-Rate procedures. 2. Elevated Building With Obstruction Buildings are rated With Obstruction if any of the following conditions are met: a. The area below the lowest elevated floor is enclosed fully by solid breakaway walls. b. The area below the lowest elevated floor is enclosed by a combination of 2 or more solid breakaway walls, with the remaining sides constructed of insect screening, or wooden or plastic lattice, slats, or shutters. c. Machinery or equipment below the lowest elevated floor is also below the BFE. Use the rates from Table 3F provided that the enclosure is less than 300 square feet with solid breakaway walls, or any machinery or equipment is below the BFE. For unnumbered Zone V, use Submit-for-Rate procedures. NOTE: For elevated buildings with non-breakaway walls below their lowest elevated floors, elevated buildings with habitable or finished areas located below their lowest elevated floors, or buildings with enclosures 300 square feet or greater, the Submit-for-Rate procedures should be followed. Agents/producers should be sure to include a recent photograph or blueprints, including a site grading plan if ocean front, a copy of the variance, and an Elevation Certificate with the Application form. Any addition to a building during a policy term that changes the applicable rates must be endorsed to the policy. Any additional premium must be paid by the insured. 3. Replacement Cost Ratio The replacement cost ratio is needed to select the proper rate for insurance on buildings in 1981 Post-FIRM Construction V, V1–V30, and VE zones on or after October 1, 1981. The estimated building replacement cost is used in conjunction with the amount of the building insurance desired to determine the insurance-to-replacement-cost ratio. Replacement cost is defined as the amount of money required to replace or repair the insured building in the event of loss or damage, without a deduction for depreciation. The replacement cost ratio is determined by dividing the amount of building coverage purchased through the NFIP by the replacement cost of the building. Do not include excess coverage when determining the amount of coverage purchased. If the replacement cost of the building exceeds the maximum statutory building limit, use the replacement cost, not the maximum statutory building limit, in calculating the ratio. For example, if the residential building replacement cost is $1,000,000 and the amount of building coverage requested is the maximum statutory building limit of $250,000, the ratio is .25; use the rate listed for “Replacement Cost Ratio Under .50.” Place the rate in the appropriate box on the Application and continue with the premium calculation. 4. Elevation Information The Lowest Floor Elevation must be identified for buildings in zones V, V1–V30, and VE. Note that the Lowest Floor Elevation is measured at the bottom of the lowest floor beam or slab, whichever is appropriate. The BFE, including wave height, must be identified for any building located in zones V1–V30 and VE. XIV. SPECIAL RATING SITUATIONS A. Tentative Rates Tentative rates are used to issue policies when agents/producers fail to provide the required actuarial rating information. With tentative rates, a policy will be generated with coverage limits based on the actual premium received. 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. Tentative rates are generally higher than other rates published in this manual (ranging from $2 to $10 per $100 of coverage). 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. 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. B. Alternative Rates When a building is Pre-FIRM and the FIRM zone is unknown, an alternative rating procedure can be used only if the building is located in a community that does not have any V Zones. In these cases, the NFIP will presume that the building is located in an SFHA, and the FIRM zone should be shown as Zone AA. AA is 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. Special Rates 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 on Flood Insurance Rates 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. 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). 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 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). For V Zones, the enclosures must be constructed with breakaway walls (refer to the Lowest Floor Guide section for guidance). The building has not been altered in any way that has resulted in a lowest floor, for rating purposes, lower than the BFE on that FIRM (e.g., enclosing the area below an elevated building). The building has not been substantially improved. The property owner or agent/producer must provide proper documentation to the insurer. The documentation must show: the date of the FIRM; the zone on that FIRM in which the property is located; the BFE, if any, for that zone; a copy of the map panel showing the location of the building; and the rating element that is to be grandfathered. A letter from a community official verifying this information, or an Elevation Certificate, also is acceptable. Example: A building was constructed in 1980 and, according to the FIRM in effect at that time, was located in Zone AE. No insurance policy was purchased until 1990. At that time, remapping had occurred and the zone had been changed to a more hazardous area, Zone VE. The new policy can use Zone AE as the rating zone if the required documentation is provided. b. Pre-FIRM Construction Because there was no FIRM in effect on the date of construction, most Pre-FIRM construction is ineligible for the “built in compliance” grandfathering rule. The limited exceptions are those communities with initial FIRM dates prior to December 31, 1974. The “built in compliance” rule applies to Pre-FIRM construction only if the date of construction was on or before December 31, 1974, and was also on or after the FIRM date. The Flood Hazard Boundary Map (FHBM) cannot be used for grandfathering. Example: A building was constructed in November 1974 and the FIRM date was May 3, 1973. The old map showed the building’s location as Zone C. Ten years later in 1984, a new map placed the building in an A Zone. Flood insurance coverage was applied for after the map was revised. To use the old map showing Zone C as the rating zone, proper documentation must be submitted. E. Post-’81 V-Zone Optional Rating This optional rating is available for new and renewal policies and endorsements with effective dates on or after October 1, 1997. All policies for Pre-FIRM buildings and 1975 through 1981 Post-FIRM buildings in Zones VE and V1–V30 are allowed to be rated using the Post-’81 V-Zone rate tables (Table 3E or 3F) if the rates are more favorable to the insured. In order to qualify, the following criteria must be met: 1. The policy must be rated using the BFE printed on the FIRM panel that includes wave height. The effective date of the FIRM panel must be on or after 10/1/81. 2. The building rates are determined based on the ratio of the estimated building replacement cost and the amount of insurance purchased. 3. The building must be elevated free of obstruction or with obstruction less than 300 square feet. All machinery and equipment located below the BFE are considered obstructions. F. Policies Requiring Re-Rating The following conditions require that the policies be rated using the new map: 1. If an elevation-rated building is altered, making the lowest floor for rating purposes below the BFE. Example: An elevated building is located in an AE Zone at the time of construction. The Lowest Floor Elevation (LFE) was 18’. The BFE was 10’. The lowest floor rating was an +8 elevation differential. The map was revised, changing the BFE to 11’. The insured decided to enclose the area beneath the elevated floor and use it as a living area. This changed the LFE to 9’. Due to the alteration, the new map must be used and the building is rated as -2. 2. If a Pre-FIRM or Post-FIRM building is substantially improved, the building must be re-rated using the FIRM in effect at the time that the substantial improvement occurred. A newer FIRM can always be used if it will result in a more favorable rating. Example: A building was constructed in 1972 and, when flood insurance was applied for in 1976, was found to be located in Zone C. The FIRM was revised in 1984. The building was substantially improved in 1985. Due to the improvement, the building must now be re-rated as Post-FIRM construction using the 1984 map, or the most recent map can be used if it will result in a more favorable rating. If ineligible for renewal as a Preferred Risk Policy because of a map change, the risk must be rewritten as a standard-rated policy. 3. If a Pre-FIRM or Post-FIRM building has been declared substantially damaged by a local community official, the agent/producer must verify that the repair and/or reconstruction of the building has been made before the policy can be re-rated using the FIRM in effect at the time of the substantial improvement. In the event that the repair and/or reconstruction have not been made, the insurer may renew the policy using the proper rating prior to the loss. The agent/producer or insured must notify the insurer when the actual repair is completed so the policy can be re-rated using the correct FIRM. Example: A building was constructed in 1986. Late that year, when the building was purchased and flood insurance was applied for, the building was found to be located in Zone A15. The FIRM was revised in February 2005. In August 2005, a major hurricane caused severe flooding and wind damage in the county in which the building is located. The community declared the building substantially damaged by flood. However, because of widespread devastation throughout the area, the property owner had difficulty finding a repair contractor. When the policy came up for renewal in December, repair of the building had barely begun. The policy may be renewed under its pre-flood rating. G. Submit-for-Rate Certain properties at high flood risk, because of peculiarities in their exposure to flooding, do not lend themselves to preprogrammed rates. These risks require an in-depth underwriting analysis and must be submitted to the insurer for an individual (specific) rate. As with other lines of property insurance, the underwriter requires documentation to evaluate those risk characteristics that make up the basis for a proper rate. The NFIP’s twofold goal of establishing sound actuarial rates and obtaining information for enforcing floodplain management requires that the following documentation be supplied for risks that fall within the Submit-for-Rate category: 1. Completed NFIP Flood Insurance Application. 2. Completed current Elevation Certificate. 3. Variance issued by the local community stating that permission was granted to construct the building. If no variance was granted, a statement to that effect signed by the applicant or the applicant’s representative is required. 4. Recent photographs of the building (front and back), or a blueprint (layout of the building) if the building is under construction. 5. The square footage of any enclosures (including elevators) or crawlspaces below the elevated floor, the use of the enclosure/crawlspace, a list of machinery and equipment, and the approximate value of each item located in the enclosure/crawlspace. 6. If the area below the elevated floor is enclosed using masonry walls and these walls are represented as being breakaway walls in V Zones, a signed letter of verification from a local building official, an engineer, or an architect. 7. The number of elevators located below the lowest elevated floor of an elevated building and below the BFE. 8. A statement from the applicant or the applicant’s representative that the enclosure was built at the time that the building was originally constructed, or at a later date (give date). 9. If the building has a basement, a list of machinery and equipment located in the basement and each item’s approximate value. 10. For elevated buildings, an Elevated Building Determination Form signed by the insured. 11. For all Post-’81 V-Zone, non-elevated buildings, foundation/structural plans or, if foundation/structural plans are not available, a written statement from the applicant or agent/producer providing the same information. For Submit-for-Rate policies written as NFIP Direct business, all of the appropriate documentation listed above must be mailed to the NFIP Servicing Agent, P.O. Box 2965, Shawnee Mission, KS 66201-1365. If the building is insurable, the Servicing Agent will deliver a written rate and the applicable ICC Premium to the producer. Since a rate must be determined on these risks, no premium is to accompany the submission. Coverage will be effective 30 days after the receipt of the premium at the NFIP, with the following 3 exceptions: 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. 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. For the purpose of completing the Flood Insurance Application, the building must be described as a “non-elevated building with basement.” NFIP rules and regulations specify that 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. A building with a crawlspace that is not subgrade must be described as an elevated building. 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. XVI. FIRMS WITH WAVE HEIGHTS 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: Base Flood Elevation 14' Lowest Adjacent Grade –6' Difference 8' Factor × 0.55 Wave height adjustment (2.1' minimum) 4.4' Base Flood Elevation + 14' BFE adjusted 18.4' Example 2: Base Flood Elevation 14' Lowest Adjacent Grade –11' Difference 3' Factor × 0.55 Wave height adjustment (2.1' minimum) 1.65' 2.1'* Base Flood Elevation + 14' BFE adjusted 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 VE 1981 Post-FIRM Construction 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 other source, until such other data have been provided by FEMA as criteria to determine the BFEs, including wave heights. D. Rate Selection Procedure 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. FLOODPROOFED BUILDINGS Floodproofing and the completion of the Floodproofing Certificate are described in detail in the Special Certifications section. A. Elevation Difference 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. XVIII. THE V-ZONE RISK FACTOR RATING FORM A. Use In conjunction with Table 10 (V-Zone Risk Rating Relativities Table, see below), this optional form may be used to evaluate the coastal risk when it is believed that the design, placement, and/or construction of a building is such that the usual criteria used to establish actuarially appropriate rates do not reflect the lessened risk of a particular structure. The form may be used to either: 1. Establish a rate prior to issuing a new policy; or 2. Appeal the rate charged on an existing policy. Submit the V-Zone Risk Factor Rating Form for review, along with a copy of the site grading and structural plans, the Elevation Certificate, and photographs. See the Special Certifications section of this manual for photograph requirements pertaining to the Elevation Certificate. B. Submission The completed form should be submitted to the NFIP Bureau and Statistical Agent, Underwriting Department, 8400 Corporate Dr., Suite 350, Landover, MD 20785. Confirmation of the relativity and established rate will be returned to the submitting agent/producer, engineer, and builder/applicant in approximately 30 business days. TABLE 10. V-Zone RISK RATING RELATIVITIES TABLE Building PointTotal1 No Obstruction Rates With Obstruction Rates Replacement Cost Ratio .75 or More Replacement Cost Ratio .50 to .74 Replacement Cost Ratio Under .50 Replacement Cost Ratio .75 or More Replacement Cost Ratio .50 to .74 Replacement Cost Ratio Under .50 Less Than 225 1.000 1.000 1.000 1.000 1.000 1.000 225 – 275 1.000 1.000 1.000 1.000 1.000 1.000 276 – 325 1.000 1.000 1.000 0.950 0.975 1.000 326 – 375 0.900 0.950 1.000 0.925 0.950 1.000 376 – 425 0.800 0.850 0.900 0.875 0.925 0.950 426 – 475 0.700 0.750 0.800 0.800 0.850 0.900 476 – 525 0.600 0.650 0.700 0.725 0.775 0.825 526 – 575 0.500 0.575 0.650 0.650 0.700 0.750 576 – 625 0.400 0.500 0.600 0.600 0.650 0.700 1 Subtract from your Building Point Total all points assigned for Item I. Lowest Floor Elevation and Item IV.A.1. Free of Obstruction because these factors are included in the rate prior to application of any V-Zone Risk Factor Rating Credit. XIX. RATING EXAMPLES Table of CONTENTS EXAMPLE PAGE Example 1 Emergency Program, Standard Deductible RATE 48 Example 2 Regular Program, Pre-FIRM Construction, $2,000/$1,000 Deductible Option, Zone B RATE 49 Example 3 Regular Program, Pre-FIRM Construction, $1,000 Deductible Option (Surcharge), Zone AE RATE 50 Example 4 Regular Program, Pre-FIRM Construction, $3,000/$2,000 Deductible Option, Zone A15 RATE 51 Example 5 Regular Program, Post-FIRM, Elevation Rated, $5,000/$5,000 Deductible Option, Zone AE RATE 52 Example 6 Regular Program, 1975–’81 Post-FIRM V1–V30, Elevation Rated, Zone V13 RATE 53 Example 7 Regular Program, Post-1981 VE or V1–V30, with Enclosure, Zone VE RATE 54 Example 8 Regular Program, Post-FIRM Construction, Contents-Only Policy, Zone A17 RATE 55 Example 9 Regular Program, Post-FIRM, Elevation Rated, $5,000/$5,000 Deductible Option, Zone AO RATE 56 Example 10 Regular Program, Post-FIRM, Elevation Rated, $1,000/$1,000 Deductible Option, Zone AO (With Certification of Compliance) RATE 57 Example 11 Regular Program, Post-FIRM, Elevation Rated, $3,000/$2,000 Deductible Option, Zone AH RATE 58 Example 12 Regular Program, Post-FIRM, Elevation Rated, $1,000/$1,000 Deductible Option, Zone AH (With Certification of Compliance) RATE 59 Example 13 Regular Program, Post-FIRM, Elevation Rated, $1,000/$1,000 Deductible Option, Zone A (With BFE) RATE 60 Example 14 Regular Program, Post-FIRM, Elevation Rated, $1,000/$1,000 Deductible Option, Zone A (Without BFE) RATE 61 EXAMPLE 1 EMERGENCY PROGRAM, STANDARD DEDUCTIBLE Data Essential to Determine Appropriate Rates and Premium: Emergency Program: Flood Zone: N/A Occupancy: Single-Family Dwelling Number of Floors: 1 Basement/Enclosure: None Deductible: $2,000/$2,000 Deductible Factor: 1.000 Contents Location: Lowest Floor Above Ground Level Date of Construction: Pre-FIRM Elevation Difference: N/A Floodproofed (Yes/No): No Building Coverage: $35,000 Contents: $10,000 ICC Premium: N/A CRS Rating: N/A CRS Discount: N/A Determined Rates: Building: .76 Contents: .96 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTALPREMIUM COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OFINSURANCE RATE ANNUALPREMIUM PREM. REDUCTION/INCREASE TOTAL AMOUNT OF INSURANCE BUILDING $35,000 .76 $266 $0 $35,000 $266 CONTENTS $10,000 .96 $ 96 $0 $10,000 $ 96 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 $362 ICC PREMIUM — SUBTOTAL $362 CRS PREMIUM DISCOUNT % — SUBTOTAL $362 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 PROBATION SURCHARGE — FEDERAL POLICY FEE $ 40 TOTAL PREPAID AMOUNT $402 Premium Calculation: 1. Multiply Rate × $100 of Coverage: Building: $266 / Contents: $96 2. Apply Deductible Factor: Building: 1.000 × $266 = $266 / Contents: 1.000 × $96 = $96 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $362 5. Add ICC Premium: N/A 6. Subtract CRS Discount: N/A 7. Subtotal: $362 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $402 EXAMPLE 2 Regular Program, Pre-firm Construction, $2,000/$1,000 DEDUCTIBLE OPTION, ZONE B Data Essential to Determine Appropriate Rates and Premium: Regular Program: Flood Zone: B Occupancy: Single-Family Dwelling Number of Floors: 2 Basement/Enclosure: None Deductible: $2,000/$1,000 Deductible Factor: 0.95 Contents Location: Lowest Floor Above Ground Level and Higher Floors Date of Construction: Pre-FIRM Elevation Difference: N/A Floodproofed (Yes/No): No Building Coverage: $150,000 Contents Coverage: $60,000 ICC Premium: $5 CRS Rating: N/A CRS Discount: N/A Determined Rates: Building: .91/.24 Contents: 1.39/.43 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTALPREMIUM COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OFINSURANCE RATE ANNUALPREMIUM PREM. REDUCTION/INCREASE TOTAL AMOUNT OF INSURANCE BUILDING $60,000 .91 $546 $90,000 .24 $216 -$38 $150,000 $ 724 CONTENTS $25,000 1.39 $348 $35,000 .43 $151 -$25 $ 60,000 $ 474 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 $1,198 ICC PREMIUM $ 5 SUBTOTAL $1,203 CRS PREMIUM DISCOUNT % — SUBTOTAL $1,203 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 PROBATION SURCHARGE — FEDERAL POLICY FEE $ 40 TOTAL PREPAID AMOUNT $1,243 Premium Calculation: 1. Multiply Rate × $100 of Coverage: Building: $762 / Contents: $499 2. Apply Deductible Factor: Building: 0.95 × $762 = $724 / Contents: 0.95 × $499 = $474 3. Premium Decrease: Building: $762 – $724 = $38 / Contents: $499 – $474 = $25 4. Subtotal: $1,198 5. Add ICC Premium: $5 6. Subtract CRS Discount: N/A 7. Subtotal: $1,203 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $1,243 EXAMPLE 3 Regular Program, Pre-firm Construction, $1,000 deductible option (SURCHARGE), ZONE AE Data Essential to Determine Appropriate Rates and Premium: Regular Program: Flood Zone: AE Occupancy: Single-Family Dwelling Number of Floors: 2 Basement/Enclosure: Enclosure Deductible: $1,000/$1,000 Deductible Factor: 1.100 Contents Location: Enclosure and Above Date of Construction: Pre-FIRM Elevation Difference: N/A Floodproofed (Yes/No): No Building Coverage: $150,000 Contents Coverage: $60,000 ICC Premium: $70 CRS Rating: N/A CRS Discount: N/A Determined Rates: Building: .81/1.17 Contents: .96/1.18 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTALPREMIUM COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OFINSURANCE RATE ANNUALPREMIUM PREM. REDUCTION/INCREASE TOTAL AMOUNT OF INSURANCE BUILDING $60,000 .81 $486 $90,000 1.17 $1,053 +$154 $150,000 $1,693 CONTENTS $25,000 .96 $240 $35,000 1.18 $ 413 +$ 65 $ 60,000 $ 718 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 $2,411 ICC PREMIUM $ 70 SUBTOTAL $2,481 CRS PREMIUM DISCOUNT % — SUBTOTAL $2,481 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 PROBATION SURCHARGE — FEDERAL POLICY FEE $ 40 TOTAL PREPAID AMOUNT $2,521 Premium Calculation: 1. Multiply Rate × $100 of Coverage: Building: $1,539 / Contents: $653 2. Apply Deductible Factor: Building: 1.100 × $1,539 = $1,693 / Contents: 1.100 × $653 = $718 3. Premium Increase: Building: $1,693 – $1,539 = $154 / Contents: $718 – $653 = $65 4. Subtotal: $2,411 5. Add ICC Premium: $70 6. Subtract CRS Discount: N/A 7. Subtotal: $2,481 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $2,521 EXAMPLE 4 REGULAR PROGRAM, PRE-FIRM CONSTRUCTION, $3,000/$2,000 DEDUCTIBLE OPTION, ZONE A15 Data Essential to Determine Appropriate Rates and Premium: Regular Program: Flood Zone: A15 Occupancy: Single-Family Dwelling Number of Floors: 3 Basement/Enclosure: Basement Deductible: $3,000/$2,000 Building and Contents Deductible Factor: .950 Contents Location: Basement and Above Date of Construction: Pre-FIRM Elevation Difference: N/A Floodproofed (Yes/No): No Building Coverage: $250,000 Contents Coverage: $100,000 ICC Premium: $55 CRS Rating: 4 CRS Discount: 30% Determined Rates: Building: .81/.97 Contents: .96/.99 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTALPREMIUM COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OFINSURANCE RATE ANNUALPREMIUM PREM. REDUCTION/INCREASE TOTAL AMOUNT OF INSURANCE BUILDING $60,000 .81 $486 $190,000 .97 $1,843 -$116 $250,000 $2,213 CONTENTS $25,000 .96 $240 $ 75,000 .99 $ 743 -$ 49 $100,000 $ 934 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 $3,147 ICC PREMIUM $ 55 SUBTOTAL $3,202 CRS PREMIUM DISCOUNT 30% $ 961 SUBTOTAL $2,241 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 PROBATION SURCHARGE — FEDERAL POLICY FEE $ 40 TOTAL PREPAID AMOUNT $2,281 Premium Calculation: 1. Multiply Rate × $100 of Coverage: Building: $2,329 / Contents: $983 2. Apply Deductible Factor: Building: .950 × $2,329 = $2,213/ Contents: .950 × $983 = $934 3. Premium Reduction: Building: $2,329 – $2,213 = $116 / Contents: $983 – $934 = $49 4. Subtotal: $3,147 5. Add ICC Premium: $55 6. Subtract CRS Discount: $961 (30%) 7. Subtotal: $2,241 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $2,281 EXAMPLE 5 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $5,000/$5,000 DEDUCTIBLE OPTION, ZONE AE Data Essential to Determine Appropriate Rates and Premium: Regular Program: Flood Zone: AE Occupancy: Non-Residential Number of Floors: 2 Basement/Enclosure: None Deductible: $5,000/$5,000 Deductible Factor: .890 Contents Location: Above Ground Level and Higher Floors Date of Construction: Post-FIRM Elevation Difference: +4 Floodproofed (Yes/No): No Building Coverage: $500,000 Contents Coverage: $500,000 ICC Premium: $4 CRS Rating: 5 CRS Discount: 25% Determined Rates: Building: .20/.08 Contents: .22/.12 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTALPREMIUM COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OFINSURANCE RATE ANNUALPREMIUM PREM. REDUCTION/INCREASE TOTAL AMOUNT OF INSURANCE BUILDING $175,000 .20 $350 $325,000 .08 $260 -$67 $500,000 $ 543 CONTENTS $150,000 .22 $330 $350,000 .12 $420 -$82 $500,000 $ 668 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 $1,211 ICC PREMIUM $ 4 SUBTOTAL $1,215 CRS PREMIUM DISCOUNT 25% $ 304 SUBTOTAL $ 911 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 PROBATION SURCHARGE — FEDERAL POLICY FEE $ 40 TOTAL PREPAID AMOUNT $ 951 Premium Calculation: 1. Multiply Rate × $100 of Coverage: Building: $610 / Contents: $750 2. Apply Deductible Factor: Building: .890 × $610 = $543 / Contents: .890 × $750 = $668 3. Premium Reduction: Building: $610 – $543 = $67 / Contents: $750 – $668 = $82 4. Subtotal: $1,211 5. Add ICC Premium: $4 6. Subtract CRS Discount: –$304 (25%) 7. Subtotal: $911 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $951 EXAMPLE 6 REGULAR PROGRAM, 1975–’81 POST-FIRM V1–V30, ELEVATION RATED, ZONE V13 Data Essential to Determine Appropriate Rates and Premium: Regular Program: Flood Zone: V13 Occupancy: Single-Family Dwelling Number of Floors: 2 Basement/Enclosure: None Deductible: $1,000/$1,000 Deductible Factor: 1.000 Contents Location: Lowest Floor Above Ground Level and Higher Floors Date of Construction: 1975–’81 (Post-FIRM) Elevation Difference: +1 Floodproofed (Yes/No): No Building Coverage: $150,000 Contents Coverage: $100,000 ICC Premium: $30 CRS Rating: 8 CRS Discount: 10% Determined Rates: Building: 2.53/.56 Contents: 2.83/.91 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTALPREMIUM COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OFINSURANCE RATE ANNUALPREMIUM PREM. REDUCTION/INCREASE TOTAL AMOUNT OF INSURANCE BUILDING $60,000 2.53 $1,518 $90,000 .56 $504 $0 $150,000 $2,022 CONTENTS $25,000 2.83 $ 708 $75,000 .91 $683 $0 $100,000 $1,391 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 $3,413 ICC PREMIUM $ 30 SUBTOTAL $3,443 CRS PREMIUM DISCOUNT 10% $ 344 SUBTOTAL $3,099 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 PROBATION SURCHARGE — FEDERAL POLICY FEE $ 40 TOTAL PREPAID AMOUNT $3,139 Premium Calculation: 1. Multiply Rate × $100 of Coverage: Building: $2,022 / Contents: $1,391 2. Apply Deductible Factor: Building: 1.000 × $2,022 = $2,022/Contents: 1.000 × $1,391 = $1,391 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $3,413 5. Add ICC Premium: $30 6. Subtract CRS Discount: $344 (10%) 7. Subtotal: $3,099 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $3,139 EXAMPLE 7 REGULAR PROGRAM, POST-1981 VE OR V1–V30, WITH ENCLOSURE, ZONE VE Data Essential to Determine Appropriate Rates and Premium: Regular Program: Flood Zone: VE Occupancy: Single-Family Dwelling Number of Floors: 3 or More Basement/Enclosure: Enclosure (< 300 sq. ft., w/o M&E) Deductible: $3,000/$3,000 Deductible Factor: .850 Contents Location: Lowest Floor Above Ground Level and Higher Floors Date of Construction: Post-’81 Elevation Difference: -1 Floodproofed (Yes/No): No Replacement Cost: $300,000 Building Coverage: $250,000 Contents Coverage: $100,000 ICC Premium: $13 CRS Rating: 9 CRS Discount: N/A Determined Rates: Building: 4.37/4.37 Contents: 3.02/3.02 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTALPREMIUM COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OFINSURANCE RATE ANNUALPREMIUM PREM. REDUCTION/INCREASE TOTAL AMOUNT OF INSURANCE BUILDING $60,000 4.37 $2,622 $190,000 4.37 $8,303 -$1,639 $250,000 $ 9,286 CONTENTS $25,000 3.02 $ 755 $75,000 3.02 $2,265 -$ 453 $100,000 $ 2,567 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 $11,853 ICC PREMIUM $ 13 SUBTOTAL $11,866 CRS PREMIUM DISCOUNT 5 % $ 593 SUBTOTAL $11,273 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 PROBATION SURCHARGE — FEDERAL POLICY FEE $ 40 TOTAL PREPAID AMOUNT $11,313 Premium Calculation: 1. Multiply Rate × $100 of Coverage: Building: $10,925 / Contents: $3,020 2. Apply Deductible Factor: Building: .850 × $10,925 = $9,286 / Contents: .850 × $3,020 = $2,567 3. Premium Reduction: Building: $10,925 – $9,286 = $1,639 / Contents: $3,020 – $2,567 = $453 4. Subtotal: $11,853 5. Add ICC Premium: $13 6. Subtract CRS Discount: $593 (5%) 7. Subtotal: $11,273 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $11,313 EXAMPLE 8 REGULAR PROGRAM, POST-FIRM CONSTRUCTION, CONTENTS-ONLY POLICY, ZONE A17 Data Essential to Determine Appropriate Rates and Premium: Regular Program: Flood Zone: A17 Occupancy: 2–4 Family Dwelling (Renter’s Policy) Number of Floors: 2 Basement/Enclosure: None Deductible: $1,000 Deductible Factor: 1.000 Contents Location: Above Ground Level More Than 1 Full Floor Date of Construction: Post-FIRM Elevation Difference: +2 Floodproofed (Yes/No): No Building Coverage: N/A Contents Coverage: $100,000 ICC Premium: N/A CRS Rating: N/A CRS Discount: N/A Determined Rates: Building: N/A Contents: .35/.12 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTALPREMIUM COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OFINSURANCE RATE ANNUALPREMIUM PREM. REDUCTION/INCREASE TOTAL AMOUNT OF INSURANCE BUILDING CONTENTS $25,000 .35 $88 $75,000 .12 $90 $0 $100,000 $178 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 $178 ICC PREMIUM — SUBTOTAL $178 CRS PREMIUM DISCOUNT % — SUBTOTAL $178 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 PROBATION SURCHARGE — FEDERAL POLICY FEE $ 40 TOTAL PREPAID AMOUNT $218 Premium Calculation: 1. Multiply Rate × $100 of Coverage: Building: N/A / Contents: $178 2. Apply Deductible Factor: Building: N/A / Contents: 1.000 × $178 = $178 3. Premium Reduction/Increase: Building: N/A / Contents: $0 4. Subtotal: $178 5. Add ICC Premium: N/A 6. Subtract CRS Discount: N/A 7. Subtotal: $178 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $218 EXAMPLE 9 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $5,000/$5,000 DEDUCTIBLE OPTION, ZONE AO (WITHout CERTIFICATION OF COMPLIANCE OR ELEVATION CERTIFICATE) Data Essential to Determine Appropriate Rates and Premium: Regular Program: Flood Zone: AO (Without Certification of Compliance or Elevation Certificate) Occupancy: Non-Residential Number of Floors: 2 Basement/Enclosure: None Deductible: $5,000/$5,000 Deductible Factor: .890 Contents Location: Above Ground Level and Higher Floors Date of Construction: Post-FIRM Elevation Difference: -1 Floodproofed (Yes/No): No Building Coverage: $500,000 Contents Coverage: $500,000 ICC Premium: $4 CRS Rating: 5 CRS Discount: N/A Determined Rates: Building: 1.10/.25 Contents: 1.75/.24 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLEPREM. REDUCTION/INCREASE BASIC AND ADDITIONAL TOTALPREMIUM COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OFINSURANCE RATE ANNUALPREMIUM TOTAL AMOUNT OF INSURANCE BUILDING $175,000 1.10 $1,925 $325,000 .25 $813 -$301 $500,000 $2,437 CONTENTS $150,000 1.75 $2,625 $350,000 .24 $840 -$381 $500,000 $3,084 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 $5,521 ICC PREMIUM $ 4 SUBTOTAL $5,525 CRS PREMIUM DISCOUNT % — SUBTOTAL $5,525 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 PROBATION SURCHARGE — FEDERAL POLICY FEE $ 40 TOTAL PREPAID AMOUNT $5,565 Premium Calculation: 1. Multiply Rate × $100 of Coverage: Building: $2,738 / Contents: $3,465 2. Apply Deductible Factor: Building: .890 × $2,738 = $2,437 / Contents: .890 × $3,465 = $3,084 3. Premium Reduction: Building: $2,738 – $2,437 = $301 / Contents: $3,465 – $3,084 = $381 4. Subtotal: $5,521 5. Add ICC Premium: $4 6. Subtract CRS Discount: N/A 7. Subtotal: $5,525 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $5,565 EXAMPLE 10 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $1,000/$1,000 DEDUCTIBLE OPTION, ZONE AO (WITH CERTIFICATION OF COMPLIANCE OR ELEVATION CERTIFICATE) Data Essential to Determine Appropriate Rates and Premium: Regular Program: Flood Zone: AO (With Certification of Compliance or Elevation Certificate) Occupancy: Single-Family Dwelling Number of Floors: 2 Basement/Enclosure: None Deductible: $1,000/$1,000 Deductible Factor: 1.000 Contents Location: Above Ground Level and Higher Floors Date of Construction: Post-FIRM Elevation Difference: +1 Floodproofed (Yes/No): No Building Coverage: $250,000 Contents Coverage: $100,000 ICC Premium: $4 CRS Rating: N/A CRS Discount: N/A Determined Rates: Building: .28/.08 Contents: .38/.13 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTALPREMIUM COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OFINSURANCE RATE ANNUALPREMIUM PREM. REDUCTION/INCREASE TOTAL AMOUNT OF INSURANCE BUILDING $60,000 .28 $168 $190,000 .08 $152 $0 $250,000 $320 CONTENTS $25,000 .38 $ 95 $ 75,000 .13 $ 98 $0 $100,000 $193 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 $513 ICC PREMIUM $ 4 SUBTOTAL $517 CRS PREMIUM DISCOUNT % — SUBTOTAL $517 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 PROBATION SURCHARGE — FEDERAL POLICY FEE $ 40 TOTAL PREPAID AMOUNT $557 Premium Calculation: 1. Multiply Rate × $100 of Coverage: Building: $320 / Contents: $193 2. Apply Deductible Factor: Building: 1.000 × $320 = $320 / Contents: 1.000 × $193 = $193 3. Premium Reduction/Increase: Building: $0 / Contents: = $0 4. Subtotal: $513 5. Add ICC Premium: $4 6. Subtract CRS Discount: N/A 7. Subtotal: $517 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $557 EXAMPLE 11 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $3,000/$2,000 DEDUCTIBLE OPTION, ZONE AH (WITHout CERTIFICATION OF COMPLIANCE OR ELEVATION CERTIFICATE) Data Essential to Determine Appropriate Rates and Premium: Regular Program: Flood Zone: AH (Without Certification of Compliance or Elevation Certificate) Occupancy: Single-Family Dwelling Number of Floors: 1 Basement/Enclosure: None Deductible: $3,000/$2,000 Deductible Factor: .875 Contents Location: Lowest Floor Above Ground Level Date of Construction: Post-FIRM Elevation Difference: -1 Floodproofed (Yes/No): No Building Coverage: $250,000 Contents Coverage: $25,000 ICC Premium: $4 CRS Rating: N/A CRS Discount: N/A Determined Rates: Building: 1.12/.21 Contents: 1.05/.19 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTALPREMIUM COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OFINSURANCE RATE ANNUALPREMIUM PREM. REDUCTION/INCREASE TOTAL AMOUNT OF INSURANCE BUILDING $60,000 1.12 $672 $190,000 .21 $399 -$134 $250,000 $ 937 CONTENTS $25,000 1.05 $263 $0 .19 $0 -$ 33 $ 25,000 $ 230 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 $1,167 ICC PREMIUM $ 4 SUBTOTAL $1,171 CRS PREMIUM DISCOUNT % — SUBTOTAL $1,171 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 PROBATION SURCHARGE — FEDERAL POLICY FEE $ 40 TOTAL PREPAID AMOUNT $1,211 Premium Calculation: 1. Multiply Rate × $100 of Coverage: Building: $1,071 / Contents: $263 2. Apply Deductible Factor: Building: .875 × $1,071 = $937 / Contents: .875 × $263 = $230 3. Premium Reduction: Building: $1,071 – $937 = $134 / Contents = $263 – $230 = $33 4. Subtotal: $1,167 5. Add ICC Premium: $4 6. Subtract CRS Discount: N/A 7. Subtotal: $1,171 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $1,211 EXAMPLE 12 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $1,000/$1,000 DEDUCTIBLE OPTION, ZONE AH (WITH CERTIFICATION OF COMPLIANCE OR ELEVATION CERTIFICATE) Data Essential to Determine Appropriate Rates and Premium: Regular Program: Flood Zone: AH (With Certification of Compliance or Elevation Certificate) Occupancy: 2–4 Family Dwelling Number of Floors: 2 Basement/Enclosure: None Deductible: $1,000/$1,000 Deductible Factor: 1.000 Contents Location: Above Ground Level and Higher Floors Date of Construction: Post-FIRM Elevation Difference: +3 Floodproofed (Yes/No): No Building Coverage: $200,000 Contents Coverage: $40,000 ICC Premium: $5 CRS Rating: N/A CRS Discount: N/A Determined Rates: Building: .28/.08 Contents: .38/.13 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTALPREMIUM COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OFINSURANCE RATE ANNUALPREMIUM PREM. REDUCTION/INCREASE TOTAL AMOUNT OF INSURANCE BUILDING $60,000 .28 $168 $140,000 .08 $112 $0 $200,000 $280 CONTENTS $25,000 .38 $ 95 $ 15,000 .13 $ 20 $0 $ 40,000 $115 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 $395 ICC PREMIUM $ 5 SUBTOTAL $400 CRS PREMIUM DISCOUNT % — SUBTOTAL $400 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 PROBATION SURCHARGE — FEDERAL POLICY FEE $ 40 TOTAL PREPAID AMOUNT $440 Premium Calculation: 1. Multiply Rate × $100 of Coverage: Building: $280 / Contents: $115 2. Apply Deductible Factor: Building: 1.000 × $280 = $280 / Contents: 1.000 × $115 = $115 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $395 5. Add ICC Premium: $5 6. Subtract CRS Discount: N/A 7. Subtotal: $400 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $440 EXAMPLE 13 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $1,000/$1,000 DEDUCTIBLE OPTION,ZONE A (WITH BFE) Data Essential to Determine Appropriate Rates and Premium: Regular Program: Flood Zone: A Occupancy: 2–4 Family Dwelling Number of Floors: 2 Basement/Enclosure: None Deductible: $1,000/$1,000 Deductible Factor: 1.000 Contents Location: Above Ground Level and Higher Floors Date of Construction: Post-FIRM Elevation Difference: +6 (with BFE) Floodproofed (Yes/No): No Building Coverage: $140,000 Contents Coverage: $70,000 ICC Premium: $5 CRS Rating: N/A CRS Discount: N/A Determined Rates: Building: .44/.08 Contents: .38/.12 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTALPREMIUM COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OFINSURANCE RATE ANNUALPREMIUM PREM. REDUCTION/INCREASE TOTAL AMOUNT OF INSURANCE BUILDING $60,000 .44 $264 $80,000 .08 $64 $0 $140,000 $328 CONTENTS $25,000 .38 $ 95 $45,000 .12 $54 $0 $ 70,000 $149 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 $477 ICC PREMIUM $ 5 SUBTOTAL $482 CRS PREMIUM DISCOUNT % — SUBTOTAL $482 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 PROBATION SURCHARGE — FEDERAL POLICY FEE $ 40 TOTAL PREPAID AMOUNT $522 Premium Calculation: 1. Multiply Rate × $100 of Coverage: Building: $328 / Contents: $149 2. Apply Deductible Factor: Building: 1.000 × $328 = $328 / Contents: 1.000 × $149 = $149 3. Premium Reduction/Increase: Building: $0 / Contents = $0 4. Subtotal: $477 5. Add ICC Premium: $5 6. Subtract CRS Discount: N/A 7. Subtotal: $482 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $522 EXAMPLE 14 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $1,000/$1,000 DEDUCTIBLE OPTION, ZONE A (WITHOUT BFE) Data Essential to Determine Appropriate Rates and Premium: Regular Program: Flood Zone: A Occupancy: Single-Family Dwelling Number of Floors: 2 Basement/Enclosure: None Deductible: $1,000/$1,000 Deductible Factor: 1.000 Contents Location: Lowest Floor Above Ground Level and Higher Floors Date of Construction: Post-FIRM Elevation Difference: +5 (without BFE) Floodproofed (Yes/No): No Building Coverage: $135,000 Contents Coverage: $60,000 ICC Premium: $5 CRS Rating: N/A CRS Discount: N/A Determined Rates: Building: .46/.08 Contents: .44/.12 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTALPREMIUM COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OFINSURANCE RATE ANNUALPREMIUM PREM. REDUCTION/INCREASE TOTAL AMOUNT OF INSURANCE BUILDING $60,000 .46 $276 $75,000 .08 $60 $0 $135,000 $336 CONTENTS $25,000 .44 $110 $35,000 .12 $42 $0 $ 60,000 $152 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 $488 ICC PREMIUM $ 5 SUBTOTAL $493 CRS PREMIUM DISCOUNT % — SUBTOTAL $493 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 PROBATION SURCHARGE — FEDERAL POLICY FEE $ 40 TOTAL PREPAID AMOUNT $533 Premium Calculation: 1. Multiply Rate × $100 of Coverage: Building: $336 / Contents: $152 2. Apply Deductible Factor: Building: 1.000 × $336 = $336 / Contents: 1.000 × $152 = $152 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $488 5. Add ICC Premium: $5 6. Subtract CRS Discount: N/A 7. Subtotal: $493 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $40 10. Total Prepaid Amount: $533 Condominiums Important Notice to Agents/Producers: Boards of directors of condominium associations typically are responsible under their by-laws for maintaining all forms of property insurance necessary to protect the common property of the association against all hazards to which that property is exposed for the insurable value/replacement cost of those common elements. This responsibility would typically include providing adequate flood insurance protection for all common property located in Special Flood Hazard Areas (SFHAs). Such by-law requirements could make the individual members of the boards of directors of such associations personally liable for insurance errors or omissions, including those relating to flood insurance. I. METHODS OF INSURING CONDOMINIUMS There are 4 methods of insuring condominiums under the National Flood Insurance Program (NFIP). Each method has its own eligibility requirements for condominium type. Only residential buildings having a condominium form of ownership are eligible for the Residential Condominium Building Association Policy (RCBAP). Residential Condominium: Association Coverage on Building and Contents A condominium association is the corporate entity responsible for the management and operation of a condominium. Membership is made up of the condominium unit owners. A condominium association may purchase insurance coverage on a residential building and its contents under the RCBAP. The RCBAP covers only a residential condominium building in a Regular Program community. If the named insured is listed as other than a condominium association, the agent/producer must provide legal documentation to confirm that the insured is a condominium association. (See the Eligibility Requirements subsection in this section.) Residential Condominium: Unit Owner’s Coverage on Building and Contents A residential condominium unit in a high-rise or low-rise building, including a townhouse or rowhouse, is considered to be a single-family residence. An individual dwelling unit in a condominium building may be insured in any 1 of the following 4 ways: 1. An individual unit and its contents may be separately insured under the Dwelling Form, in the name of the unit owner, at the limits of insurance for a single-family dwelling. 2. An individual unit may be separately insured under the Dwelling Form, if purchased by the association in the name of the unit owner and the association as their interests may appear, up to the limits of insurance for a single-family dwelling. 3. An individual unit owned by the association may be separately insured under the Dwelling Form, if purchased by the condominium association. The single-family limits of insurance apply. 4. An individual non-residential unit owner may not purchase building coverage. However, contents-only coverage can be purchased either under the General Property Form or the Dwelling Form, depending on the type of contents. A policy on a condominium unit will be issued naming the unit owner and the association, as their interests may appear. Coverage under a unit owner’s policy applies first to the individually owned building elements and improvements to the unit and then to the damage of the building’s common elements that are the unit owner’s responsibility. In the event of a loss, the claim payment to an individual unit owner may not exceed the maximum allowable in the Program. C. Non-Residential (Commercial) Condominium: Building and Contents Non-residential (commercial) condominium buildings and their commonly owned contents may be insured in the name of the association under the General Property Form. The “non-residential” limits apply. D. Non-Residential (Commercial) Condominium: Unit Owner’s Coverage (Contents) The owner of a non-residential or residential condominium unit within a non-residential condominium building may purchase only contents coverage for that unit. Building coverage may not be purchased in the name of the unit owner. In the event of a loss, up to 10% of the stated amount of contents coverage can be applied to losses to condominium interior walls, floors, and ceilings. The 10% is not an additional amount of insurance. TABLE 2. CONDOMINIUM RATING CHART LOW-RISE RESIDENTIAL CONDOMINIUMS SINGLE-UNIT BUILDING OR TOWNHOUSE/ROWHOUSE TYPE – BUILDING WITH SEPARATE ENTRANCE FOR EACH UNIT Purchaser of Policy Building Occupancy1 Building Indicator1 Contents Indicator2 Type ofCoverage Rating Classification Policy Form3 UNIT OWNER Single family Single unit Household RC4 Single family Dwelling ASSOCIATION(ASSOCIATION-OWNED SINGLE UNIT ONLY) Single family Single unit Household RC4 Single family Dwelling ASSOCIATION(ENTIRE BUILDING) Determined by the number of units, i.e., single family, 2–4 family, other residential Low-rise Household RC RCBAP Low-rise RCBAP MULTI-UNIT BUILDING 2–4 UNITS PER BUILDING — REGARDLESS OF NUMBER OF FLOORS (NON-TOWNHOUSE) Purchaser of Policy Building Occupancy1 Building Indicator1 Contents Indicator2 Type ofCoverage Rating Classification Policy Form3 UNIT OWNER 2–4 Single unit Household RC4 Single family for building; 2–4 family for contents Dwelling ASSOCIATION(ASSOCIATION-OWNED SINGLE UNIT ONLY) 2–4 Single unit Household RC4 Single family for building; 2–4 family for contents Dwelling ASSOCIATION(ENTIRE BUILDING) 2–4 Low-rise Household RC RCBAP Low-rise RCBAP OWNER OF NON-RESIDENTIAL CONTENTS Non-residential Single unit(Building coverage not available) Other than household ACV Non-residential General Property MULTI-UNIT BUILDING 5 OR MORE UNITS PER BUILDING – FEWER THAN 3 FLOORS Purchaser of Policy Building Occupancy1 Building Indicator1 Contents Indicator2 Type ofCoverage Rating Classification Policy Form3 UNIT OWNER Other residential Single unit Household RC4 Single family for building; other residential for contents Dwelling ASSOCIATION(ASSOCIATION-OWNED SINGLE UNIT ONLY) Other residential Single unit Household RC4 Single family for building; other residential for contents Dwelling ASSOCIATION(ENTIRE BUILDING) Other residential Low-rise Household RC RCBAP low-rise RCBAP OWNER OF NON-RESIDENTIAL CONTENTS Non-residential Single unit(Building coverage not available) Other than household ACV Non-residential 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. 2 In determining the contents location, refer to the Rating section of this manual. 3 RCBAP must be used to insure residential condominium buildings owned by the association that are in a Regular Program community and in which at least 75% of the total floor area within the building is residential. Use the General Property Form if ineligible under RCBAP. 4 Replacement Cost if the RC eligibility requirements are met (building only). TABLE 2. CONDOMINIUM RATING CHART (continued) HIGH-RISE RESIDENTIAL CONDOMINIUMS MULTI-UNIT BUILDING – 5 OR MORE UNITS PER BUILDING – 3 OR MORE FLOORS1 Purchaser of Policy Building Occupancy2 Building Indicator2 Contents Indicator3 Type ofCoverage Rating Classification Policy Form4 UNIT OWNER Other residential Single unit Household RC5 Single family for building; other residential for contents Dwelling ASSOCIATION(ASSOCIATION-OWNED SINGLE UNIT ONLY) Other residential Single unit Household RC5 Single family for building; other residential for contents Dwelling ASSOCIATION(ENTIRE BUILDING) Other residential High-rise Household RC Rcbap High-rise RCBAP NON-RESIDENTIAL CONDOMINIUMS Purchaser of Policy Building Occupancy2 Building Indicator2 Contents Indicator3 Type ofCoverage Rating Classification Policy Form4 OWNER OF NON-RESIDENTIAL CONTENTS Non-residential Single unit(Building coverage not available) Other than household ACV Non-residential General property OWNER OF RESIDENTIAL CONTENTS Single family (In a 2–4 unit building) Single unit(Building coverage not available) Household ACV Single family Dwelling OWNER OF RESIDENTIAL CONTENTS Other residential (In a 5-or-more-unit building) Single unit(Building coverage not available) Household ACV Single family Dwelling ASSOCIATION Non-residential Low-rise or high-rise Other than household ACV Non-residential General property 1 Enclosure/crawlspace, even if it is the lowest floor for rating, cannot be counted as a floor for the purpose of classifying the building as a high-rise. 2 When there is a mixture of residential and commercial usage within a single building, refer to subsection D. Determination of Building Occupancy in the General Rules section of this manual. 3 In determining the contents location, refer to the Rating section of this manual. 4 RCBAP must be used to insure residential condominium buildings owned by the association that are in a Regular Program community and in which at least 75% of the total floor area within the building is residential. Use the General Property Form if ineligible under RCBAP. 5 Replacement Cost if the RC eligibility requirements are met (building only). II. RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY (RCBAP) FORM The policy form used for the residential condominium buildings owned by a condominium association is the RCBAP. III. ELIGIBILITY REQUIREMENTS A. General Building Eligibility In order for a condominium building to be eligible under the RCBAP form, the building must be owned by a condominium association, which the NFIP defines as the entity made up of the unit owners responsible for the maintenance and operation of: 1. common elements owned in undivided shares by unit owners; and 2. other real property in which the unit owners have use rights where membership in the entity is a required condition of unit ownership. The RCBAP is required for all buildings owned by a condominium association containing 1 or more residential units and in which at least 75% of the total floor area within the building is residential without regard to the number of units or number of floors. The RCBAP is available for high-rise and low-rise residential condominium buildings, including townhouse/rowhouse and detached single-family condominium buildings in the Regular Program only. (See pages CONDO 3 and 4.) Residential condominium buildings that are being used as a hotel or motel, or are being rented (either short or long term), must be insured under the RCBAP. Only buildings having a condominium form of ownership are eligible for the RCBAP. If the named insured is listed as other than a condominium association, the agent/producer must provide legal documentation to confirm that the insured is a condominium association before the RCBAP can be written. This documentation may be a copy of the condominium association by-laws or a statement signed by an officer or representative of the condominium association confirming that the building is in a condominium form of ownership. In the event of a loss, RCBAPs written for buildings found not to be in a condominium form of ownership will be rewritten under the correct policy form for up to the maximum amount of building coverage allowed under the program for the type of building insured, not to exceed the coverage purchased under the RCBAP. A homeowners association (HOA) may differ from a condominium association and is ineligible for the RCBAP, unless the HOA meets the definition of a condominium association as defined in the policy. Cooperative ownership buildings are not eligible. Timeshare buildings in a condominium form of ownership in jurisdictions where title is vested in individual unit owners are eligible provided that all other criteria are met. If, during a policy term, the risk fails to meet the eligibility requirements due to a change in the form of ownership, it will be ineligible for coverage under the RCBAP. The policy will be canceled and rewritten using the correct Standard Flood Insurance Policy (SFIP) form. The effective date of cancellation will be the date on which the change in the form of ownership occurred. If an RCBAP was issued for a risk that was ineligible for the RCBAP, 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. The NFIP has grouped condominium buildings into 2 different types, low-rise and high-rise, because of the difference in the exposures to the risk that typically exists. Low-rise buildings generally have a greater percentage of the value of the building at risk than high-rise buildings, thus requiring higher premiums for the first dollars of coverage. The availability of the optional deductibles for the low-rise buildings, however, allows the association to buy back some of the risk, thereby reducing the overall cost of the coverage. For rating purposes: High-rise buildings contain 5 or more units and at least 3 floors excluding enclosure, even if it is the lowest floor for rating. Low-rise buildings have fewer than 5 units regardless of the number of floors, or 5 or more units with fewer than 3 floors, including the basement. Townhouse/rowhouse buildings are always considered low-rise buildings for rating purposes, no matter how many units or floors they have. See the Definitions section in this manual for complete definitions of high-rise and low-rise buildings. Individual unit owners continue to have an option to purchase an SFIP Dwelling Form. B. Condominium Building in the Course of Construction The NFIP rules allow the issuance of an SFIP to cover a building in the course of construction before the building is walled and roofed. These rules provide lenders an option to require flood insurance coverage at the time that the development loan is made to comply with the mandatory purchase requirement outlined in the Flood Disaster Protection Act of 1973, as amended. The policy is issued and rated based on the construction designs and intended use of the building. In order for a condominium building in the course of construction to be eligible under the RCBAP form, the building must be owned by a condominium association. As noted in the General Rules section, buildings in the course of construction that have yet to be walled and roofed are eligible for coverage except when construction has been halted for more than 90 days and/or if the lowest floor used for rating purposes is below the Base Flood Elevation (BFE). Materials or supplies intended for use in such construction, alteration, or repair are not insurable unless they are contained within an enclosed building on the premises or adjacent to the premises. IV. COVERAGE A. Property Covered The entire building is covered under 1 policy, including both the common as well as individually owned building elements within the units, improvements within the units, and contents owned in common. Contents owned by individual unit owners should be insured under an individual unit owner’s Dwelling Form. B. Coverage Limits Building coverage purchased under the RCBAP will be on a Replacement Cost basis. The maximum amount of building coverage that can be purchased on a high-rise or low-rise condominium is the Replacement Cost Value (RCV) of the building or the total number of units in the condominium building times $250,000, whichever is less. The maximum allowable contents coverage is the Actual Cash Value (ACV) of the commonly owned contents up to a maximum of $100,000 per building. Basic Limit Amount: 1. The building basic limit amount of insurance for a detached building housing a single-family unit owned by the condominium association is $60,000. 2. For residential townhouse/rowhouse and low-rise condominiums, the building basic limit amount of insurance is $60,000 multiplied by the number of units in the building. 3. For high-rise condominiums, the building basic amount of insurance is $175,000. 4. The contents basic limit amount of insurance is $25,000. 5. For condominium unit owners who have insured their personal property under the Dwelling Form or General Property Form, coverage extends to interior walls, floor, and ceiling (if not covered under the condominium association’s insurance) up to 10% of the personal property limit of liability. Use of this coverage is at the option of the insured and reduces the personal property limit of liability. C. Replacement Cost The RCBAP’s building coverage is on a Replacement Cost valuation basis. RCV means the cost to replace property with the same kind of material and construction without deduction for depreciation. A condominium unit owner’s Dwelling Form policy provides Replacement Cost coverage on the building if eligibility requirements are met. D. Coinsurance The RCBAP’s coinsurance penalty is applied to building coverage only. To the extent that the insured has not purchased insurance in an amount equal to the lesser of 80% or more of the full replacement cost of the building at the time of loss or the maximum amount of insurance under the NFIP, the insured will not be reimbursed fully for a loss. Building coverage purchased under individual Dwelling Forms cannot be added to RCBAP coverage in order to avoid the coinsurance penalty. The amount of loss in this case will be determined by using the following formula: × Amount of Loss = Limit of Recovery Where the penalty applies, building loss under the RCBAP will be adjusted based on the Replacement Cost Coverage with a coinsurance penalty. Building loss under the Dwelling Form will be adjusted on an ACV basis if the Replacement Cost provision is not met. The cost of bringing the building into compliance with local codes (law and ordinance) is not included in the calculation of replacement cost. E. Assessment Coverage The RCBAP Form and General Property Form do not provide assessment coverage. Assessment coverage is available only under the Dwelling Form subject to the conditions and exclusions found in Section III. Property Covered, Coverage C, 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. DEDUCTIBLES AND FEES A. Deductibles The loss deductible shall apply separately to each building and personal property covered loss, including any appurtenant structure loss. The Standard Deductible 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. Federal Policy Fee The Federal Policy Fees for the RCBAP are: 1 unit $40 per policy 2–4 units $80 per policy 5–10 units $200 per policy 11–20 units $440 per policy 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 (DIRECT BUSINESS ONLY) 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 OR ENDORSEMENT OF UNIT OWNERS’ DWELLING POLICIES 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. APPLICATION FORM 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 of the building, 1 of which clearly shows the location of the lowest floor used for rating the risk. A. Type of Building 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 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 Cost Value 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. Rates and Fees 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. Sample RCV Notification Letter IMPORTANT FLOOD INSURANCE POLICY INFORMATION Agent’s Name: Agent’s Address: Re: Insured’s Name: Property Address: Policy Number: Dear Agent: The letter is to inform you that the Replacement Cost Value (RCV) on file for the building referenced above, insured under the Residential Condominium Building Association Policy (RCBAP), must now be updated. The National Flood Insurance Program (NFIP) requires that the RCV be evaluated every 3 years; it has been at least 3 years since the RCV for the building has been updated. The RCV as currently listed on the above-referenced policy is . The amount of building coverage on the policy is . If the RCV indicated above needs to be revised, you must provide new documentation showing the revised RCV. Acceptable documentation of the building’s RCV is a recent property valuation report that states the building’s value, including the foundation, on an RCV basis. If the RCV has not changed, you must provide either new RCV documentation or a statement signed by an officer or a representative of the Condominium Association confirming that the RCV is still valid. Please be aware that to the extent that the amount of building coverage on the policy is not in an amount equal to the lesser of 80 percent or more of the full replacement cost of the building at the time of a loss or the maximum amount of insurance available under the NFIP, the Condominium Association may not be fully reimbursed for the loss. If you have any questions about the information in this letter, please contact < INSERT CONTACT NAME AND TELEPHONE NUMBER>. cc: Insured, Lender TABLE 3A. RCBAP HIGH-RISE CONDOMINIUM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) BUILDING BUILDING TYPE REGULAR PROGRAM PRE-FIRM1 REGULAR PROGRAM POST-FIRM A, A1–A30, AE, AO, AH, D V, VE A99, B, C, X A99, B, C, X D NO BASEMENT/ENCLOSURE .85 / .24 1.08 / .59 1.17 / .05 1.17 / .05 1.17 / .24 WITH BASEMENT .90 / .33 1.15 / 1.25 1.42 / .07 1.42 / .07 SUBMIT FORRATE WITH ENCLOSURE .90 / .24 1.15 / .61 1.23 / .05 1.23 / .05 ELEVATED ON CRAWLSPACE .85 / .24 1.08 / .59 1.17 / .05 1.17 / .05 NON-ELEVATED WITHSUBGRADE CRAWLSPACE .85 / .24 1.08 / .59 1.17 / .05 1.17 / .05 CONTENTS CONTENTS LOCATION REGULAR PROGRAM PRE-FIRM1 REGULAR PROGRAM POST-FIRM A, A1–A30, AE, AO, AH, D V, VE A99, B, C, X A99, B, C, X D BASEMENT/SUBGRADE CRAWLSPACE AND ABOVE .96 / .99 1.23 / 2.46 1.77 / .65 1.77 / .65 SUBMIT FORRATE ENCLOSURE/CRAWLSPACE AND ABOVE .96 / 1.18 1.23 / 2.90 1.77 / .75 1.77 / .75 LOWEST FLOOR ONLY – ABOVE GROUND LEVEL .96 / 1.18 1.23 / 2.90 1.39 / .69 1.39 / .69 1.11 / .60 LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS .96 / .82 1.23 / 2.55 1.39 / .37 1.39 / .37 1.11 / .40 ABOVE GROUND LEVEL MORE THAN 1 FULL FLOOR .35 / .16 .47 / .38 .41 / .14 .38 / .13 .35 / .12 BUILDING — A1–A30, AE · POST-FIRM ELEVATIONDIFFERENCE 3 OR MORE FLOORSNO BASEMENT/ENCLOSURE/CRAWLSPACE2 3 OR MORE FLOORSWITH BASEMENT/ENCLOSURE/CRAWLSPACE2 +4 .33 /.03 .33 /.03 +3 .35 /.03 .34 /.03 +2 .45 /.03 .40 /.03 +1 .81 /.04 .56 /.04 0 1.61 /.05 1.44 /.05 -13 6.10 /.15 3.48 /.12 -2 SUBMIT FOR RATE CONTENTS — A1–A30, AE · POST-FIRM ELEVATIONDIFFERENCE LOWEST FLOOR ONLY – ABOVE GROUND LEVEL (NO BASEMENT/ENCLOSURE/CRAWLSPACE2) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER (NO BASEMENT/ENCLOSURE/CRAWLSPACE2) BASEMENT/ENCLOSURE/ CRAWLSPACE2 AND ABOVE ABOVE GROUND LEVEL MORE THAN 1 FULL FLOOR +4 .38 /.12 .38 /.12 .38 /.12 .35 /.12 +3 .38 /.12 .38 /.12 .38 /.12 .35 /.12 +2 .38 /.12 .38 /.12 .38 /.12 .35 /.12 +1 .53 /.12 .38 /.12 .38 /.12 .35 /.12 0 1.16 /.12 .68 /.12 .45 /.12 .35 /.12 -13 3.10 /.63 1.90 /.42 .72 /.15 .35 /.12 -2 SUBMIT FOR RATE .35 /.12 1 Pre-FIRM construction refers to a building that has a start of construction date or substantial improvement date on or before 12/31/74, or before the effective date of the initial FIRM. If FIRM zone is unknown, use rates for zones A, AE, AO, AH, D. 2 Includes subgrade crawlspace. 3 Use Submit-for-Rate procedures if either the enclosure below the lowest elevated floor of an elevated building or the crawlspace (under-floor space) that has its interior floor within 2 feet below grade on all sides, which is used for rating, is 1 or more feet below the BFE. TABLE 3B. RCBAP HIGH-RISE CONDOMINIUM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) AO, AH POST-FIRM NO BASEMENT/ENCLOSURE/CRAWLSPACE/SUBGRADE CRAWLSPACE BUILDINGS1 BUILDING CONTENTS WITH CERTIFICATION OF COMPLIANCE OR ELEVATION CERTIFICATE2 .48 /.04 .38 /.13 WITHOUT CERTIFICATION OF COMPLIANCE OR ELEVATION CERTIFICATE3, 8 1.11 /.09 1.05 /.19 POST-FIRM UNNUMBERED A ZONE WITHOUT BASEMENT/ENCLOSURE/CRAWLSPACE/SUBGRADE CRAWLSPACE1,4 ELEVATION DIFFERENCE BUILDING CONTENTS5 TYPE OF ELEVATION CERTIFICATE +5 OR MORE .88 /.05 .44 /.12 NO BASE FLOOD ELEVATION6 +2 TO +4 1.69 /.06 .74 /.13 +1 2.76 /.14 1.52 /.22 0 OR BELOW *** *** +2 OR MORE .75 /.04 .38 /.12 WITH BASE FLOOD ELEVATION7 0 TO +1 1.50 /.06 1.06 /.14 -1 5.90 /.18 2.70 /.33 -2 OR BELOW *** *** NO ELEVATION CERTIFICATE8 7.90 /1.26 3.33 /.80 NO ELEVATION CERTIFICATE 1 Zones A, AO, or AH buildings with basement/enclosure/crawlspace/subgrade crawlspace – follow Submit-for-Rate procedures. Pre-FIRM buildings in AO or AH Zones with basement/enclosure/crawlspace/subgrade crawlspace at or above the BFE or Base Flood Depth are to use the “With Certification of Compliance or Elevation Certificate” rates and would not have to follow Submit-for-Rate procedures. 2 “With Certification of Compliance or Elevation Certificate” rates are to be used when the Elevation Certificate shows that the lowest floor elevation used for rating is equal to or greater than the community’s elevation requirement, or when there is a Letter of Compliance. This rule applies to all building types, including buildings with basement/enclosure/crawlspace/subgrade crawlspace. 3 “Without Certification of Compliance or Elevation Certificate” rates are to be used only on Post-FIRM buildings when the Elevation Certificate shows that the lowest floor elevation is less than the community’s elevation requirement. 4 Pre-FIRM buildings with basement/enclosure/crawlspace/subgrade crawlspace may use this table if the rates are more favorable to the insured. 5 For elevation-rated policies, when contents are located 1 floor or more above the lowest floor used for rating, use .35/.12. 6 NO BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the highest adjacent grade next to the building. 7 WITH BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the BFE provided by the community or registered professional engineer, surveyor, or architect. 8 For policies with effective dates on or after October 1, 2011, the No Elevation Certificate rates apply only to renewals and transfers. ***SUBMIT FOR RATING TABLE 3C. RCBAP HIGH-RISE CONDOMINIUM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) AR AND AR DUAL ZONES BUILDING – PRE-FIRM1,2 AND POST-FIRM3 NOT ELEVATION-RATED BUILDING TYPE RATES No Basement/Enclosure 1.17 /.05 With Basement 1.42 /.07 With Enclosure 1.23 /.05 Elevated on Crawlspace 1.17 /.05 Non-Elevated with Subgrade Crawlspace 1.17 /.05 CONTENTS – PRE-FIRM1,2 AND POST-FIRM3 NOT ELEVATION-RATED CONTENTS LOCATION RATES Basement/Subgrade Crawlspace and above 1.77 /.65 Enclosure/Crawlspace and above 1.77 /.75 Lowest floor only – above ground level 1.39 /.69 Lowest floor above ground level and higher floors 1.39 /.37 Above ground level more than 1 full floor .38 /.13 BUILDING – PRE-FIRM AND POST-FIRM ELEVATION-RATED ELEVATIONDIFFERENCE 3 OR MORE FLOORSNO BASEMENT/ENCLOSURE/CRAWLSPACE4 3 OR MORE FLOORSWITH BASEMENT/ENCLOSURE/CRAWLSPACE4 +4 .33 /.03 .33 /.03 +3 .35 /.03 .34 /.03 +2 .45 /.03 .40 /.03 +1 .81 /.04 .56 /.04 0 1.17 /.05 1.44 /.05 -15 See footnote CONTENTS – PRE-FIRM AND POST-FIRM ELEVATION-RATED ELEVATIONDIFFERENCE LOWEST FLOOR ONLY – ABOVE GROUND LEVEL (NO BASEMENT/ENCLOSURE/CRAWLSPACE4) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER (NO BASEMENT/ENCLOSURE/CRAWLSPACE4) BASEMENT/ENCLOSURE/ CRAWLSPACE4 AND ABOVE ABOVE GROUND LEVEL – MORE THAN 1 FULL FLOOR +4 .38 /.12 .38 /.12 .38 /.12 .35 /.12 +3 .38 /.12 .38 /.12 .38 /.12 .35 /.12 +2 .38 /.12 .38 /.12 .38 /.12 .35 /.12 +1 .53 /.12 .38 /.12 .38 /.12 .35 /.12 0 1.16 /.12 .68 /.12 .45 /.12 .35 /.12 -15 See footnote 1 Pre-FIRM construction refers to a building that has a start of construction date or substantial improvement date on or before 12/31/74, or before the effective date of the initial FIRM. If FIRM zone is unknown, use rates for zones A, AE, AO, AH, D. 2 Base deductible is $2,000. 3 Base deductible is $1,000. 4 Includes subgrade crawlspace. 5 Use Pre-FIRM Not Elevation-Rated AR and AR Dual Zones Rate Table above. TABLE 3D. RCBAP HIGH-RISE CONDOMINIUM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) REGULAR PROGRAM — 1975–19811 POST-FIRM CONSTRUCTION2 FIRM ZONES V1–V30, VE — BUILDING RATES ELEVATION OF LOWEST FLOOR ABOVE OR Below the BFE BUILDING TYPE 3 OR MORE FLOORS NO BASEMENT/ENCLOSURE/CRAWLSPACE3 3 OR MORE FLOORS WITH BASEMENT/ENCLOSURE/CRAWLSPACE3 04 3.30 /.18 3.15 /.18 -15 9.79 /.71 5.15 /.53 -2 *** *** 1975–1981 POST-FIRM CONSTRUCTIONFIRM ZONES V1–V30, VE — CONTENTS RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW the BFE CONTENTS LOCATION LOWEST FLOOR ONLY ABOVE GROUND LEVEL (NO BASEMENT/ENCLOSURE/CRAWLSPACE3) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ENCLOSURE/CRAWLSPACE3) BASEMENT/ENCLOSURE/ CRAWLSPACE3 AND ABOVE ABOVE GROUND LEVEL MORE THAN 1 FULL FLOOR 04 4.36 / .92 2.83 / .91 1.60 / .78 .56 / .25 -15 9.55 / 5.81 5.63 / 4.42 1.88 / .80 .56 / .25 -2 *** *** *** *** 1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in zones VE and V1–V30 will be allowed to use the Post-’81 V-Zone rate table if the rates are more favorable to the insured. See instructions in the Rating section for V-Zone Optional Rating. 2 For 1981 Post-FIRM construction rating, refer to Tables 5A and 5B. 3 Includes subgrade crawlspace. 4 These rates are to be used if the lowest floor of the building is at or above the BFE. 5 Use Submit-for-Rate procedures if the enclosure below the lowest floor of an elevated building, which is used for rating, is 1 or more feet below the BFE. ***SUBMIT FOR RATING REGULAR PROGRAM 1975–1981 POST-FIRM CONSTRUCTION UNNUMBERED V ZONE — ELEVATED BUILDINGS SUBMIT FOR RATING TABLE 4A. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) REGULAR PROGRAM – PRE-FIRM CONSTRUCTION RATES1 FIRM ZONES: A, A1–A30, AE, AO, AH, D V, VE A99, B, C, X BUILDING CONTENTS BUILDING CONTENTS BUILDING CONTENTS BUILDING TYPE NO BASEMENT/ENCLOSURE .70 /.63 .96 / 1.17 .93 /1.66 1.23 /3.05 .74 /.21 1.20 /.37 WITH BASEMENT .75 /.77 .96 / .98 1.00 /2.88 1.23 /2.87 .81 /.30 1.36 /.46 WITH ENCLOSURE .75 /.92 .96 / 1.01 1.00 /3.14 1.23 /3.13 .81 /.34 1.36 /.54 ELEVATED ON CRAWLSPACE .70 /.63 .96 / 1.17 .93 /1.66 1.23 /3.05 .74 /.21 1.20 /.37 NON-ELEVATED WITH SUBGRADE CRAWLSPACE .70 /.63 .96 / 1.17 .93 /1.66 1.23 /3.05 .74 /.21 1.20 /.37 REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES FIRM ZONES: A99, B, C, X D BUILDING CONTENTS BUILDING CONTENTS BUILDING TYPE NO BASEMENT/ENCLOSURE .74 /.21 1.20 /.37 1.12 /.39 1.11 /.60 WITH BASEMENT .81 /.30 1.36 /.46 *** *** WITH ENCLOSURE .81 /.34 1.36 /.54 *** *** ELEVATED ON CRAWLSPACE .74 /.21 1.20 /.37 1.12 /.39 1.11 /.60 NON-ELEVATED WITH SUBGRADE CRAWLSPACE .74 /.21 1.20 /.37 1.12 /.39 1.11 /.60 FIRM ZONES: AO, AH (NO BASEMENT/ENCLOSURE/CRAWLSPACE BUILDINGS ONLY2) BUILDING CONTENTS WITH CERTIFICATION OF COMPLIANCE OR ELEVATION CERTIFICATE3 .24 /.08 .38 /.13 WITHOUT CERTIFICATION OF COMPLIANCE OR ELEVATION CERTIFICATE4, 5 1.04 /.21 1.05 /.19 1 Pre-FIRM construction refers to a building that has a start of construction date or substantial improvement date on or before 12/31/74, or before the effective date of the initial FIRM. If FIRM zone is unknown, use rates for zones A, AE, AO, AH, D. 2 Zones AO, AH Buildings with basement/enclosure/crawlspace/subgrade crawlspace: follow Submit-for-Rate procedures. Pre-FIRM buildings in AO or AH Zones with basement/enclosure/crawlspace/subgrade crawlspace at or above the BFE or Base Flood Depth are to use the “With Certification of Compliance or Elevation Certificate” rates and would not have to follow Submit-for-Rate procedures. 3 “With Certification of Compliance or Elevation Certificate” rates are to be used when the Elevation Certificate shows that the lowest floor elevation used for rating is equal to or greater than the community’s elevation requirement, or when there is a Letter of Compliance. This rule applies to all building types, including buildings with basement/enclosure/crawlspace/subgrade crawlspace. 4 “Without Certification of Compliance or Elevation Certificate” rates are to be used only on Post-FIRM buildings when the Elevation Certificate shows that the lowest floor elevation is less than the community’s elevation requirement. 5 For transfers and renewals of existing business where there is no Letter of Compliance or Elevation Certificate in the company’s file, these rates can continue to be used. For new business effective on or after October 1, 2011, the provisions of footnote 4 apply. ***SUBMIT FOR RATING TABLE 4B. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) REGULAR PROGRAM – POST-FIRM CONSTRUCTION FIRM ZONES A1–A30, AE — BUILDING RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW the BFE1 BUILDING TYPE 1 FLOOR NO BASEMENT/ENCLOSURE/CRAWLSPACE2 MORE THAN 1 FLOOR NO BASEMENT/ENCLOSURE CRAWLSPACE2 MORE THAN 1 FLOOR WITH BASEMENT/ENCLOSURE/ CRAWLSPACE2 +4 .20 /.08 .18 /.08 .20 /.08 +3 .22 /.08 .20 /.08 .20 /.08 +2 .30 /.08 .22 /.08 .22 /.08 +1 .54 /.09 .32 /.08 .26 /.09 0 1.36 /.11 .88 /.11 .69 /.10 -13 3.47 /.84 2.61 /.70 1.52 /.60 -2 *** *** *** FIRM ZONES A1–A30, AE — CONTENTS RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW the BFE1 CONTENTS LOCATION LOWEST FLOOR ONLY – ABOVE GROUND LEVEL (NO BASEMENT/ENCLOSURE/CRAWLSPACE2) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ ENCLOSURE/CRAWLSPACE2) BASEMENT/ENCLOSURE/ CRAWLSPACE2 AND ABOVE ABOVE GROUND LEVEL – MORE THAN 1 FULL FLOOR +4 .38 /.12 .38 /.12 .38 /.12 .35 /.12 +3 .38 /.12 .38 /.12 .38 /.12 .35 /.12 +2 .38 /.12 .38 /.12 .38 /.12 .35 /.12 +1 .53 /.12 .38 /.12 .38 /.12 .35 /.12 0 1.16 /.12 .68 /.12 .45 /.12 .35 /.12 -13 3.10 /.63 1.90 /.42 .72 /.15 .35 /.12 -2 *** *** *** .35 /.12 1 If the Lowest Floor is -1 or lower because of an attached garage and the building is described and rated as a single-family dwelling, see the Lowest Floor Determination subsection in the Lowest Floor Guide section of this manual or contact the insurer for rating guidance; rate may be lower. 2 Includes subgrade crawlspace. 3 Use Submit-for-Rate procedures if either the enclosure below the lowest floor of an elevated building or the crawlspace (under-floor space) that has its interior floor within 2 feet below grade on all sides, which is used for rating, is 1 or more feet below the BFE. ***SUBMIT FOR RATING TABLE 4C. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) UNNUMBERED ZONE A – WITHOUT BASEMENT/ENCLOSURE/CRAWLSPACE1,2 ELEVATION DIFFERENCE BUILDING CONTENTS3 TYPE OF ELEVATION CERTIFICATE +5 OR MORE .41 /.09 .44 /.12 NO BASE FLOOD ELEVATION4 +2 TO +4 1.11 /.12 .74 /.13 +1 2.25 /.57 1.52 /.22 0 OR BELOW *** *** +2 OR MORE .37 /.08 .38 /.12 WITH BASE FLOOD ELEVATION5 0 TO +1 .87 /.12 1.06 /.14 -1 3.30 /.83 2.70 /.33 -2 OR BELOW *** *** NO ELEVATION CERTIFICATE6 4.16 /1.44 3.33 /.80 NO ELEVATION CERTIFICATE 1 Zone A buildings with basement/enclosure without proper openings/crawlspace without proper openings/subgrade crawlspace: follow Submit-for-Rate procedures in the Rating section. 2 Pre-FIRM buildings with basement/enclosure/crawlspace/subgrade crawlspace may use this table if the rates are more favorable to the insured. For optional rating, follow the Submit-for-Rate procedures in the Rating section. 3 For elevation-rated policies, when contents are located 1 floor or more above lowest floor used for rating, use .35/.12. 4 NO BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the highest adjacent grade next to the building. 5 WITH BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the BFE provided by the community or registered professional engineer, surveyor, or architect. 6 For policies with effective dates on or after October 1, 2011, the No Elevation Certificate rates apply only to renewals and transfers. ***SUBMIT FOR RATING TABLE 4D. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) AR AND AR DUAL ZONES REGULAR PROGRAM – PRE-FIRM1,2 AND POST-FIRM3 NOT ELEVATION-RATED RATES BUILDING TYPE BUILDING CONTENTS NO BASEMENT/ENCLOSURE .74 /.21 1.20 /.37 WITH BASEMENT .81 /.30 1.36 /.46 WITH ENCLOSURE .81 /.34 1.36 /.54 ELEVATED ON CRAWLSPACE .74 /.21 1.20 /.37 NON-ELEVATED WITH SUBGRADE CRAWLSPACE .74 /.21 1.20 /.37 REGULAR PROGRAM – PRE-FIRM AND POST-FIRM ELEVATION-RATED RATES BUILDING RATES ELEVATION OF LOWEST FLOOR ABOVE OR Below the BFE BUILDING TYPE 1 FLOOR NO BASEMENT/ENCLOSURE/CRAWLSPACE4 MORE THAN 1 FLOOR NO BASEMENT/ENCLOSURE/ CRAWLSPACE4 MORE THAN 1 FLOOR WITH BASEMENT/ENCLOSURE/ CRAWLSPACE4 +4 .20 /.08 .18 /.08 .20 /.08 +3 .22 /.08 .20 /.08 .20 /.08 +2 .30 /.08 .22 /.08 .22 /.08 +1 .54 /.09 .32 /.08 .26 /.09 0 .74 /.21 .88 /.11 .69 /.10 -15 See footnote CONTENTS RATES ELEVATION OF LOWEST FLOOR ABOVE OR Below the BFE CONTENTS LOCATION LOWEST FLOOR ONLY – ABOVE GROUND LEVEL (NO BASEMENT/ENCLOSURE/CRAWLSPACE4) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ENCLOSURE/ CRAWLSPACE4) BASEMENT/ENCLOSURE/ CRAWLSPACE4 AND ABOVE ABOVE GROUND LEVEL – MORE THAN 1 FULL FLOOR +4 .38 /.12 .38 /.12 .38 /.12 .35 /.12 +3 .38 /.12 .38 /.12 .38 /.12 .35 /.12 +2 .38 /.12 .38 /.12 .38 /.12 .35 /.12 +1 .53 /.12 .38 /.12 .38 /.12 .35 /.12 0 1.16 /.12 .68 /.12 .45 /.12 .35 /.12 -15 See footnote 1 Pre-FIRM construction refers to a building that has a start of construction date or substantial improvement date on or before 12/31/74, or before the effective date of the initial FIRM. 2 Standard deductible is $2,000. 3 Standard deductible is $1,000. 4 Includes subgrade crawlspace. 5 Use Pre-FIRM Not Elevation-Rated AR and AR Dual Zones Rate Table above. TABLE 4E. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) REGULAR PROGRAM — 1975–19811 POST-FIRM CONSTRUCTION2FIRM ZONES V1–V30, VE — BUILDING RATES ELEVATION OF LOWEST FLOOR ABOVE OR Below the BFE BUILDING TYPE 1 FLOOR NO BASEMENT/ENCLOSURE/CRAWLSPACE3 MORE THAN 1 FLOOR NO BASEMENT/ENCLOSURE/ CRAWLSPACE3 MORE THAN 1 FLOOR WITH BASEMENT/ENCLOSURE/ CRAWLSPACE3 04 3.01 / .56 2.41 / .56 2.08 / .56 -15 6.58 / 3.43 6.02 / 3.43 4.30 / 3.12 -2 *** *** *** REGULAR PROGRAM — 1975–19811 POST-FIRM CONSTRUCTION2FIRM ZONES V1–V30, VE — CONTENTS RATES ELEVATION OF LOWEST FLOOR ABOVE OR Below the BFE CONTENTS LOCATION LOWEST FLOOR ONLY – ABOVE GROUND LEVEL (NO BASEMENT/ENCLOSURE/CRAWLSPACE3) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ENCLOSURE/CRAWLSPACE3) BASEMENT/ENCLOSURE/ CRAWLSPACE3 AND ABOVE ABOVE GROUND LEVEL – MORE THAN 1 FULL FLOOR 04 4.36 / .92 2.83 / .91 1.60 / .78 .56 / .25 -15 9.55 / 5.81 5.63 / 4.42 1.88 / .80 .56 / .25 -2 *** *** *** .56 / .25 1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in zones VE and V1–V30 will be allowed to use the Post-’81 V Zone rate table if the rates are more favorable to the insured. See instructions in the Rating section for V-Zone Optional Rating. 2 For 1981 Post-FIRM construction rating, refer to Tables 5A and 5B. 3 Includes subgrade crawlspace. 4 These rates are to be used if the lowest floor of the building is at or above the BFE. 5 Use Submit-for-Rate procedures if the enclosure below the lowest floor of an elevated building, which is used for rating, is 1 or more feet below the BFE. ***SUBMIT FOR RATING REGULAR PROGRAM — 1975–1981 POST-FIRM CONSTRUCTION UNNUMBERED V ZONE — ELEVATED BUILDINGS SUBMIT FOR RATING TABLE 5A. RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE 1981 POST-FIRM V1–V30, VE ZONE RATES1Elevated Buildings Free of Obstruction2 Below the Beam Supporting the Building’s Lowest Floor Elevation of the bottom of the floor beam of the lowest floor above or below THE BFE adjusted for wave height at building site3 Building Rate Contents Rate +4 or more .73 .53 +3 .84 .54 +2 1.15 .73 +1 1.67 1.25 0 2.63 2.04 - 1 3.58 2.93 - 2 4.57 4.19 - 3 5.48 5.48 - 4 or lower *** *** Rates above are only for elevated buildings. Use the Specific Rating Guidelinesfor non-elevated buildings. 1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in zones VE and V1–V30 will be allowed to use the Post-’81 V-Zone rate table if the rates are more favorable to the insured. See instructions in the Rating section for V-Zone Optional Rating. 2 Free of Obstruction – The space below the lowest elevated floor must be completely free of obstructions or any attachment to the building, or may have: (1) Insect screening, provided that no additional supports are required for the screening; or (2) Wooden or plastic lattice with at least 40% of its area open and made of material no thicker than ½ inch; or (3) Wooden or plastic slats or shutters with at least 40% of their area open and made of material no thicker than 1 inch. (4) One solid breakaway wall or a garage door, with the remaining sides of the enclosure constructed of insect screening, wooden or plastic lattice, slats, or shutters. Any of these systems must be designed and installed to collapse under stress without jeopardizing the structural support of the building, so that the impact on the building of abnormally high tides or wind-driven water is minimized. Any machinery or equipment below the lowest elevated floor must be at or above the BFE. 3 Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map includes wave height. ***SUBMIT FOR RATING TABLE 5B. RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE 1981 POST-FIRM V1–V30, VE ZONE RATES1,2 Elevated Buildings With Obstruction3 Below the Beam Supporting the Building’s Lowest Floor Elevation of the bottom of the floor beam of the lowest floor above or below THE BFE adjusted for wave height at building site4 Building Rate Contents Rate +4 or more 1.31 .67 +3 1.40 .68 +2 1.73 .86 +1 2.17 1.38 0 3.29 2.20 -15 4.12 3.02 -25 5.14 4.31 -35 6.03 5.62 - 4 or lower5 *** *** 1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in zones VE and V1–V30 will be allowed to use the Post-’81 V-Zone rate table if the rates are more favorable to the insured. See instructions in the Rating section for V-Zone Optional Rating. 2 Rates provided are only for elevated buildings, except those elevated on solid perimeter foundation walls. For buildings elevated on solid perimeter foundation walls, and for non-elevated buildings, use the Specific Rating Guidelines document. 3 With Obstruction – The space below has an area of less than 300 square feet with breakaway solid walls or contains equipment below the BFE. If the space below has an area of 300 square feet or more, or if any portion of the space below the elevated floor is enclosed with non-breakaway walls, submit for rating. If the enclosure is at or above the BFE, use the “Free of Obstruction” rate table on the preceding page. The elevation of the bottom enclosure floor is the lowest floor for rating (LFE). See the Rating section for details. 4 Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map includes wave height. 5 For buildings with obstruction, use Submit-for-Rate procedures if the enclosure below the lowest elevated floor of an elevated building, which is used for rating, is 1 or more feet below the BFE. ***SUBMIT FOR RATING TABLE 5C. RCBAP HIGH-RISE AND LOW-RISE BUILDING RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE 1981 POST-FIRM V-ZONE RATES SUBMIT FOR RATING TABLE 6. RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) Increased Cost of compliance (ICC) Coverage All Except Submit-for-Rate Policies1 Premiums for $30,000 ICC Coverage FIRM2 ZONE PREMIUM Post-FIRM A, AE, A1–A30, AO, AH $ 5 AR, AR DUAL ZONES $ 5 Post-’81 V1–V30, VE $ 18 ’75–’81 V1–V30, VE $ 30 A99, B, C, X, D $ 5 Pre-FIRM A, AE, A1–A30, AO, AH $ 70 AR, AR DUAL ZONES $ 5 V, VE, V1–V30 $ 70 A99, B, C, X, D $ 5 1 Use the ICC Premium Table contained in the Specific Rating Guidelines. 2 Elevation-rated Pre-FIRM buildings should use Post-firm ICC Premiums. TABLE 7. RCBAP DEDUCTIBLE FACTORS – ALL ZONES Category 1 – Low-Rise Condominium Building-and-Contents Policies DEDUCTIBLE OPTIONS DEDUCTIBLE FACTOR Single Family 2–4 Units 5 or More Units Building/Contents Post-FIRM $1,000 Ded. Pre-FIRM $2,000 Ded. Post-FIRM $1,000 Ded. Pre-FIRM $2,000 Ded. Post-FIRM $1,000 Ded. Pre-FIRM $2,000 Ded. $1,000/$1,000 1.000 1.100 1.000 1.050 1.000 1.050 $2,000/$2,000 .925 1.000 .960 1.000 .975 1.000 $3,000/$3,000 .850 .925 .930 .965 .950 .975 $4,000/$4,000 .775 .850 .900 .930 .925 .950 $5,000/$5,000 .750 .810 .880 .910 .915 .930 $10,000/$10,000 .635 .675 .735 .765 .840 .860 $25,000/$25,000 .535 .570 .635 .665 .740 .760 Category 2 – Low-Rise Condominium Building-Only Policies DEDUCTIBLE OPTIONS DEDUCTIBLE FACTOR Single Family 2–4 Units 5 or More Units Post-FIRM $1,000 Ded. Pre-FIRM $2,000 Ded. Post-FIRM $1,000 Ded. Pre-FIRM $2,000 Ded. Post-FIRM $1,000 Ded. Pre-FIRM $2,000 Ded. $1,000 1.000 1.100 1.000 1.075 1.000 1.050 $2,000 .925 1.000 .950 1.000 .970 1.000 $3,000 .865 .935 .910 .960 .940 .970 $4,000 .815 .880 .870 .920 .920 .950 $5,000 .765 .830 .835 .880 .900 .930 $10,000 .630 .685 .650 .690 .830 .860 $25,000 .530 .580 .550 .585 .730 .760 Category 3 – High-Rise Condominium Policies, Building-and-Contents and Building-Only The deductible factors are multipliers, and total deductible amounts are subject to a maximum dollar discount per annual premium. BUILDING/CONTENTS BUILDING ONLY DEDUCTIBLE OPTIONS DEDUCTIBLE FACTOR MAXIMUM DISCOUNT Post-FIRM $1,000 Deductible Pre-FIRM $2,000 Deductible $1,000/ $1,000 1.000 1.050 N/A $2,000/ $2,000 .980 1.000 $56 $3,000/ $3,000 .960 .980 $111 $4,000/ $4,000 .940 .960 $166 $5,000/ $5,000 .920 .940 $221 $10,000/ $10,000 .840 .860 $476 $25,000/ $25,000 .740 .760 $1,001 X. CONDOMINIUM RATING EXAMPLES Table of CONTENTS EXAMPLE PAGE Example 1 Pre-FIRM, Low-rise, with Enclosure, Coinsurance Penalty, Zone A CONDO 24 Example 2 Pre-FIRM, Low-rise, No Basement/Enclosure, Zone AE CONDO 25 Example 3 Post-FIRM, Low-rise, Coinsurance Penalty, Zone AE CONDO 26 Example 4 Post-FIRM, Low-rise, Standard Deductible, Zone AE CONDO 27 Example 5 Pre-FIRM, High-rise, Standard Deductible, Coinsurance Penalty, Zone A CONDO 28 Example 6 Pre-FIRM, High-rise, Basement, Maximum Discount, Zone AE CONDO 29 Example 7 Post-FIRM, High-rise, Standard Deductible, Zone AE CONDO 30 Example 8 Pre-FIRM, High-rise, Enclosure, Maximum Discount, Coinsurance Penalty, Zone AE CONDO 31 CONDOMINIUM RATING EXAMPLE 1 PRE-FIRM, LOW-RISE, WITH ENCLOSURE, Coinsurance PENALTY, ZONE A Regular Program: Building Coverage: $140,000 Contents Coverage: $100,000 Condominium Type: Low-rise Flood Zone: A Occupancy: Other Residential Number of Units: 6 Date of Construction: Pre-FIRM Building Type: 3 Floors Including Enclosure Deductible: $2,000/$2,000 Deductible Factor: 1.000 Replacement Cost: $600,000 Elevation Difference: N/A 80% Coinsurance Amount: $480,000 ICC Premium: $70 ($30,000 Coverage) CRS Rating: N/A CRS Discount: N/A Determined Rates: Building: .75/.92 Contents: .96/1.01 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTALPREMIUM COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OFINSURANCE RATE ANNUALPREMIUM PREM. REDUCTION/INCREASE TOTAL AMOUNT OF INSURANCE BUILDING $140,000 .75 $1,050 $0 .92 $0 $0 $140,000 $1,050 CONTENTS $ 25,000 .96 $ 240 $75,000 1.01 $758 $0 $100,000 $ 998 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 $2,048 ICC PREMIUM $ 70 SUBTOTAL $2,118 CRS PREMIUM DISCOUNT % — SUBTOTAL $2,118 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 PROBATION SURCHARGE — FEDERAL POLICY FEE $ 200 TOTAL PREPAID AMOUNT $2,318 Premium Calculation: 1. Multiply Rate × $100 of Coverage: Building: $1,050 / Contents: $998 2. Apply Deductible Factor: Building: 1.000 × $1,050 = $1,050 / Contents: 1.000 × $998 = $998 3. Premium Reduction: Building: $0 / Contents: $0 4. Subtotal: $2,048 5. Add ICC Premium: $70 6. Subtract CRS Discount: N/A 7. Subtotal: $2,118 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $200 10. Total Prepaid Amount: $2,318 CLAIMS ADJUSTMENT WITH Coinsurance PROVISION: Claim Payment is determined as follows: × (Amount of Loss) $100,000 = (Limit of Recovery) $29,167 – Less Deductible (Coinsurance Penalty applies because minimum insurance amount of $480,000 was not met.) CONDOMINIUM RATING EXAMPLE 2 PRE-FIRM, LOW-RISE, NO BASEMENT/ENCLOSURE, ZONE AE Regular Program: Building Coverage: $480,000 Contents Coverage: $50,000 Condominium Type: Low-rise Flood Zone: AE Occupancy: Other Residential Number of Units: 6 Date of Construction: Pre-FIRM Building Type: 1 Floor, No Basement Deductible: $2,000/$2,000 Deductible Factor: 1.000 Replacement Cost: $600,000 Elevation Difference: N/A 80% Coinsurance Amount: $480,000 ICC Premium: $70 ($30,000 Coverage) CRS Rating: N/A CRS Discount: N/A Determined Rates: Building: .70/.63 Contents: .96/1.17 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTALPREMIUM COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OFINSURANCE RATE ANNUALPREMIUM PREM. REDUCTION/INCREASE TOTAL AMOUNT OF INSURANCE BUILDING $360,000 .70 $2,520 $120,000 .63 $756 $0 $480,000 $3,276 CONTENTS $ 25,000 .96 $ 240 $ 25,000 1.17 $293 $0 $ 50,000 $ 533 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 $3,809 ICC PREMIUM $ 70 SUBTOTAL $3,879 CRS PREMIUM DISCOUNT % — SUBTOTAL $3,879 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 PROBATION SURCHARGE — FEDERAL POLICY FEE $ 200 TOTAL PREPAID AMOUNT $4,079 Premium Calculation: 1. Multiply Rate × $100 of Coverage: Building: $3,276 / Contents: $533 2. Apply Deductible Factor: Building: 1.00 × $3,276 = $3,276 / Contents: 1.00 × $533 = $533 3. Premium Reduction: Building: $0 / Contents: $0 4. Subtotal: $3,809 5. Add ICC Premium: $70 6. Subtract CRS Discount: N/A 7. Subtotal: $3,879 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $200 10. Total Prepaid Amount: $4,079 CLAIMS ADJUSTMENT WITH Coinsurance PROVISION: Coinsurance Penalty does not apply since minimum insurance amount of 80% was met. CONDOMINIUM RATING EXAMPLE 3 POST-FIRM, LOW-RISE, Coinsurance PENALTY, ZONE AE Regular Program: Building Coverage: $750,000 Contents Coverage: $100,000 Condominium Type: Low-rise Flood Zone: AE Occupancy: Other Residential Number of Units: 14 Date of Construction: Post-FIRM Building Type: 2 Floors, No Basement/Enclosure Deductible: $1,000/$1,000 Deductible Factor: 1.000 Replacement Cost: $1,120,000 Elevation Difference: +1 80% Coinsurance Amount: $896,000 ICC Premium: $5 ($30,000 Coverage) CRS Rating: N/A CRS Discount: N/A Determined Rates: Building: .32/.08 Contents: .38/.12 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTALPREMIUM COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OFINSURANCE RATE ANNUALPREMIUM PREM. REDUCTION/INCREASE TOTAL AMOUNT OF INSURANCE BUILDING $750,000 .32 $2,400 $0 .08 $0 $0 $750,000 $2,400 CONTENTS $ 25,000 .38 $ 95 $75,000 .12 $90 $0 $100,000 $ 185 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 $2,585 ICC PREMIUM $ 5 SUBTOTAL $2,590 CRS PREMIUM DISCOUNT % — SUBTOTAL $2,590 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 PROBATION SURCHARGE — FEDERAL POLICY FEE $ 440 TOTAL PREPAID AMOUNT $3,030 Premium Calculation: 1. Multiply Rate × $100 of Coverage: Building: $2,400 / Contents: $185 2. Apply Deductible Factor: Building: 1.000 × $2,400 = $2,400 / Contents: 1.000 × $185 = $185 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $2,585 5. Add ICC Premium: $5 6. Subtract CRS Discount: N/A 7. Subtotal: $2,590 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $440 10. Total Prepaid Amount: $3,030 CLAIMS ADJUSTMENT WITH Coinsurance PROVISION: Claim Payment is determined as follows: × (Amount of Loss) $300,000 = (Limit of Recovery) $251,116 – Less Deductible (Coinsurance Penalty applies because minimum insurance amount of $896,000 was not met.) CONDOMINIUM RATING EXAMPLE 4 POST-FIRM, LOW-RISE, STANDARD DEDUCTIBLE, ZONE AE Regular Program: Building Coverage: $600,000 Contents Coverage: $15,000 Condominium Type: Low-rise Flood Zone: AE Occupancy: Other Residential Number of Units: 6 Date of Construction: Post-FIRM Building Type: 3 Floors, Townhouse, No Basement/Enclosure Deductible: $1,000/$1,000 Deductible Factor: 1.000 Replacement Cost: $600,000 Elevation Difference: +2 80% Coinsurance Amount: $480,000 ICC Premium: $5 ($30,000 Coverage) CRS Rating: N/A CRS Discount: N/A Determined Rates: Building: .22/.08 Contents: .38/.12 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTALPREMIUM COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OFINSURANCE RATE ANNUALPREMIUM PREM. REDUCTION/INCREASE TOTAL AMOUNT OF INSURANCE BUILDING $360,000 .22 $792 $240,000 .08 $192 $0 $600,000 $ 984 CONTENTS $ 15,000 .38 $ 57 $0 .12 $0 $0 $ 15,000 $ 57 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 $1,041 ICC PREMIUM $ 5 SUBTOTAL $1,046 CRS PREMIUM DISCOUNT % — SUBTOTAL $1,046 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 PROBATION SURCHARGE — FEDERAL POLICY FEE $ 200 TOTAL PREPAID AMOUNT $1,246 Premium Calculation: 1. Multiply Rate × $100 of Coverage: Building: $984 / Contents: $57 2. Apply Deductible Factor: Building: 1.000 × $984 = $984 / Contents: 1.000 × $57 = $57 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $1,041 5. Add ICC Premium: $5 6. Subtract CRS Discount: N/A 7. Subtotal: $1,046 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $200 10. Total Prepaid Amount: $1,246 CLAIMS ADJUSTMENT WITH Coinsurance PROVISION: Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met. CONDOMINIUM RATING EXAMPLE 5 PRE-FIRM, HIGH-RISE, STANDARD DEDUCTIBLE, Coinsurance PENALTY, ZONE A Regular Program: Building Coverage: $1,110,000 Contents Coverage: $100,000 Condominium Type: High-rise Flood Zone: A Occupancy: Other Residential Number of Units: 50 Date of Construction: Pre-FIRM Building Type: 3 or More Floors, No Basement/Enclosure Deductible: $2,000/$2,000 Deductible Factor: 1.000 Replacement Cost: $1,500,000 Elevation Difference: N/A 80% Coinsurance Amount: $1,200,000 ICC Premium: $70 ($30,000 Coverage) CRS Rating: 5 CRS Discount: 25% Determined Rates: Building: .85/.24 Contents: .96/.82 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTALPREMIUM COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OFINSURANCE RATE ANNUALPREMIUM PREM. REDUCTION/INCREASE TOTAL AMOUNT OF INSURANCE BUILDING $175,000 .85 $1,488 $935,000 .24 $2,244 $0 $1,110,000 $3,732 CONTENTS $ 25,000 .96 $ 240 $ 75,000 .82 $ 615 $0 $ 100,000 $ 855 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 $4,587 ICC PREMIUM $ 70 SUBTOTAL $4,657 CRS PREMIUM DISCOUNT 25% -$1,164 SUBTOTAL $3,493 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 PROBATION SURCHARGE — FEDERAL POLICY FEE $ 840 TOTAL PREPAID AMOUNT $4,333 Premium Calculation: 1. Multiply Rate × $100 of Coverage: Building: $3,732 / Contents: $855 2. Apply Deductible Factor: Building: 1.000 × $3,732 = $3,732 / Contents: 1.000 × $855 = $855 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $4,587 5. Add ICC Premium: $70 6. Subtract CRS Discount: -$1,164 (25%) 7. Subtotal: $3,493 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $840 10. Total Prepaid Amount: $4,333 CLAIMS ADJUSTMENT WITH Coinsurance PROVISION: Claim Payment is determined as follows: × (Amount of Loss) $200,000 = (Limit of Recovery) $185,000 – Less Deductible (Coinsurance Penalty applies because minimum insurance amount of $1,200,000 was not met.) CONDOMINIUM RATING EXAMPLE 6 PRE-FIRM, HIGH-RISE, BASEMENT, MAXIMUM DISCOUNT, ZONE AE Regular Program: Building Coverage: $3,000,000 Contents Coverage: $100,000 Condominium Type: High-rise Flood Zone: AE Occupancy: Other Residential Number of Units: 50 Date of Construction: Pre-FIRM Building Type: 3 or More Floors, including Basement Deductible: $5,000/$5,000 Deductible Factor: .940 (Maximum Total Discount of $221 applies) Replacement Cost: $3,750,000 Elevation Difference: N/A 80% Coinsurance Amount: $3,000,000 ICC Premium: $70 ($30,000 Coverage) CRS Rating: 8 CRS Discount: 10% Determined Rates: Building: .90/.33 Contents: .96/.99 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTALPREMIUM COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OFINSURANCE RATE ANNUALPREMIUM PREM. REDUCTION/INCREASE TOTAL AMOUNT OF INSURANCE BUILDING $175,000 .90 $1,575 $2,825,000 .33 $9,323 -$221 $3,000,000 $10,677 CONTENTS $ 25,000 .96 $ 240 $ 75,000 .99 $ 743 $0 $ 100,000 $ 983 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 $11,660 ICC PREMIUM $ 70 SUBTOTAL $11,730 CRS PREMIUM DISCOUNT 10% -$ 1,173 SUBTOTAL $10,557 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 PROBATION SURCHARGE — FEDERAL POLICY FEE $ 840 TOTAL PREPAID AMOUNT $11,397 Premium Calculation: 1. Multiply Rate × $100 of Coverage: Building: $10,898 / Contents: $983 2. Apply Deductible Factor: Building: .940 × $10,898 = $10,244 / Contents: .940 × $983 = $924 3. Premium Reduction: Building: $221 (maximum discount since $10,898 – $10,244 = $654 exceeds the maximum) / Contents: $0 4. Subtotal: $11,660 5. Add ICC Premium: $70 6. Subtract CRS Discount: -$1,173 (10%) 7. Subtotal: $10,557 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $840 10. Total Prepaid Amount: $11,397 CLAIMS ADJUSTMENT WITH Coinsurance PROVISION: Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met. NOTE: The NFIP accepts premium only in whole dollars. If the discount for an optional deductible does not result in a whole-dollar premium, round up if 50¢ or more; round down if less. Always submit gross premium. CONDOMINIUM RATING EXAMPLE 7 POST-FIRM, HIGH-RISE, STANDARD DEDUCTIBLE, ZONE AE Regular Program: Building Coverage: $12,000,000 Contents Coverage: $15,000 Condominium Type: High-rise Flood Zone: AE Occupancy: Other Residential Number of Units: 100 Date of Construction: Post-FIRM Building Type: 3 or More Floors, No Basement/Enclosure Deductible: $1,000/$1,000 Deductible Factor: 1.000 Replacement Cost: $15,000,000 Elevation Difference: 0 80% Coinsurance Amount: $12,000,000 ICC Premium: $5 ($30,000 Coverage) CRS Rating: 9 CRS Discount: 5% Determined Rates: Building: 1.61/.05 Contents: .68/.12 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTALPREMIUM COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OFINSURANCE RATE ANNUALPREMIUM PREM. REDUCTION/INCREASE TOTAL AMOUNT OF INSURANCE BUILDING $175,000 1.61 $2,818 $11,825,000 .05 $5,913 $0 $12,000,000 $8,731 CONTENTS $ 15,000 .68 $ 102 $0 .12 $0 $0 $ 15,000 $ 102 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 $8,833 ICC PREMIUM $ 5 SUBTOTAL $8,838 CRS PREMIUM DISCOUNT 5% -$ 442 SUBTOTAL $8,396 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 PROBATION SURCHARGE — FEDERAL POLICY FEE $ 840 TOTAL PREPAID AMOUNT $9,236 Premium Calculation: 1. Multiply Rate × $100 of Coverage: Building: $8,731 / Contents: $102 2. Apply Deductible Factor: Building: 1.000 × $8,371 = $8,731 / Contents: 1.000 × $102 = $102 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $8,833 5. Add ICC Premium: $5 6. Subtract CRS Discount: -$442 (5%) 7. Subtotal: $8,396 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $840 10. Total Prepaid Amount: $9,236 CLAIMS ADJUSTMENT WITH Coinsurance PROVISION: Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met. NOTE: The NFIP accepts premium only in whole dollars. If the discount for an optional deductible does not result in a whole-dollar premium, round up if 50¢ or more; round down if less. Always submit gross premium. CONDOMINIUM RATING EXAMPLE 8 PRE-FIRM, HIGH-RISE, ENCLOSURE, MAXIMUM DISCOUNT, Coinsurance PENALTY, ZONE AE Regular Program: Building Coverage: $4,000,000 Contents Coverage: $100,000 Condominium Type: High-rise Flood Zone: AE Occupancy: Other Residential Number of Units: 200 Date of Construction: Pre-FIRM Building Type: 3 or More Floors, Including Enclosure Deductible: $3,000/$3,000 Deductible Factor: .980 (Maximum Total Discount of $111 applies) Replacement Cost: $18,000,000 Elevation Difference: N/A 80% Coinsurance Amount: $14,400,000 ICC Premium: $70 ($30,000 Coverage) CRS Rating: N/A CRS Discount: N/A Determined Rates: Building: .90/.24 Contents: .96/1.18 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTALPREMIUM COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OFINSURANCE RATE ANNUALPREMIUM PREM. REDUCTION/INCREASE TOTAL AMOUNT OF INSURANCE BUILDING $175,000 .90 $1,575 $3,825,000 .24 $9,180 -$111 $4,000,000 $10,644 CONTENTS $ 25,000 .96 $ 240 $ 75,000 1.18 $ 885 $0 $ 100,000 $ 1,125 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 $11,769 ICC PREMIUM $ 70 SUBTOTAL $11,839 CRS PREMIUM DISCOUNT % — SUBTOTAL $11,839 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 PROBATION SURCHARGE — FEDERAL POLICY FEE $ 840 TOTAL PREPAID AMOUNT $12,679 Premium Calculation: 1. Multiply Rate × $100 of Coverage: Building: $10,755 / Contents: $1,125 2. Apply Deductible Factor: Building: .980 × $10,755 = $10,540 / Contents: .980 × $1,125 = $1,103 3. Premium Reduction: Building: $111 (maximum discount since $10,755 – $10,540 = $215exceeds the maximum) / Contents: $0 4. Subtotal: $11,769 5. Add ICC Premium: $70 6. Subtract CRS Discount: N/A 7. Subtotal: $11,839 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $840 10. Total Prepaid Amount: $12,679 CLAIMS ADJUSTMENT WITH Coinsurance PROVISION: Claim Payment is determined as follows: × (Amount of Loss) $1,000,000 = (Limit of Recovery) $277,778 – Less Deductible (Coinsurance Penalty applies because minimum insurance amount of $14,400,000 was not met.) LOWEST FLOOR GUIDE This section is to be used as a guide for identifying the lowest floor for rating buildings being considered for coverage under the National Flood Insurance Program (NFIP). I. LOWEST FLOOR DETERMINATION The following guidance, along with the comments accompanying each building drawing provided in this section, will help insurance agents/producers determine the lowest floor so that the appropriate rate can be applied. A. Non-Elevated Buildings In a non-elevated building, the lowest floor used for rating is the building’s lowest floor including a basement, if any. If a building described and rated as a single-family dwelling located in an A Zone (any flood zone beginning with the letter A) has an attached garage floor elevation at or above the Base Flood Elevation (BFE), the garage floor may be excluded for rating. An attached garage floor elevation below the BFE can be excluded as the lowest floor for rating if the garage has no machinery or equipment below the BFE. If the garage has machinery or equipment below the BFE, the floor of the attached garage can be excluded from rating if all of the following conditions exist: The building is described and rated as a single-family dwelling; The building is located in an A Zone; The garage floor elevation is below the elevation of the top of the bottom floor; and The garage has proper openings (flood vents). If a building not described and rated as a single-family dwelling located in an A Zone has an attached garage, and the floor level of the garage is below the level of the building, use the garage floor as the lowest floor for rating. B. Elevated Buildings in A Zones In an elevated building located in an A Zone (any flood zone beginning with the letter A), the lowest floor used for rating is the lowest elevated floor, with the exceptions described below. If a building located in an A Zone has an enclosure below the elevated floor, including an attached garage, the enclosure or garage floor becomes the lowest floor for rating if any of the following conditions exists: The enclosed space is finished (having more than 20 linear feet of interior finished wall [paneling, etc.]); or The unfinished enclosed space is used for other than building access (stairwells, elevators, etc.), parking, or storage; or The unfinished enclosed space has no proper openings (flood vents). NOTE: A garage attached to an elevated building is considered an enclosure. 1. Proper Opening Requirements An elevated building with an enclosure or crawlspace below the elevated floor with proper flood openings (flood vents) in the enclosure or crawlspace can be rated using the elevated floor as the lowest floor. (For elevated buildings with proper flood openings in an unfinished enclosure or crawlspace, the Application should indicate “None” for enclosure.) This rule applies to buildings in zones A, A1–A30, AE, AO, AH, AR, and AR Dual. All enclosures (including an elevator shaft, a garage, or a crawlspace) 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. One of the following criteria must be met to satisfy this proper openings requirement: a. A minimum of 2 openings must be provided, 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. 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. b. If the enclosure floor 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, having a total net area of not less than 1 square inch for every square foot of enclosed area. 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. 2. Alternative to the Openings Requirement Above For architectural or other reasons, a designer or builder may use an alternative to satisfy the requirement for a building to have openings that provide 1 square inch per square foot of enclosed area below the BFE. These alternatives, which may be referred to as “engineered openings,” must be certified as having been designed to provide automatic equalization of hydrostatic flood forces by allowing for the entry and exit of floodwaters. Design requirements and specifications for certification statements are outlined in FEMA Technical Bulletin 1-08, “Openings in Foundation Walls and Walls of Enclosures Below Elevated Buildings in Special Flood Hazard Areas,” at http://www.fema.gov/library/viewRecord.do?id=1579. If engineered openings are used as an alternative, the Write Your Own (WYO) Company or NFIP Servicing Agent must obtain a copy of the following documentation for its underwriting files: a. For engineered openings designed for installation in a specific building, a copy of the certification is required. This certification will verify to community officials that the openings are designed in accordance with the requirements of the NFIP, applicable building codes, and accepted standards of practice. The original certification statement must include the design professional’s name, title, address, type of license, license number, the state in which the license was issued, and the signature and applied seal of the certifying registered design professional. In addition, this certification shall identify the building in which the engineered openings will be installed and it shall address the following: (1) a statement certifying that the openings are designed to automatically equalize hydrostatic flood loads on exterior walls by allowing for the automatic entry and exit of floodwaters; (2) description of the range of flood characteristics tested or computed for which the certification is valid, such as rates of rise and fall of floodwaters; and (3) description of the installation requirements or limitations that, if not followed, will void the certification; or b. For engineered openings for which the International Code Council Evaluation Service, Inc., has issued an Evaluation Report, a copy of the Evaluation Report is required. This report is required to assure community officials that the openings are designed in accordance with the requirements of the NFIP, applicable building codes, and accepted standards of practice. The Evaluation Report identifies the model numbers of the engineered openings addressed in the report, specifies the number of engineered openings that are required for a specified square footage of enclosed area below the BFE, and lists installation requirements. Acceptable documentation must include the model numbers of the engineered openings, which must match the model numbers provided in the International Code Council Evaluation Report. 3. Crawlspaces If a building elevated on a crawlspace is located in an A Zone and has an attached garage, use the following guidelines to determine the lowest floor for rating: Use the top of the crawlspace (under-floor space) floor or the garage floor, whichever is lower, if neither the crawlspace nor the garage has proper openings; or Use the top of the crawlspace floor, if the only area that has proper openings is the garage; or Use the top of the garage floor, if the only area that has proper openings is the crawlspace; or Use the top of the finished floor (habitable floor), if both the crawlspace and the garage have proper openings. Pre-FIRM buildings with subgrade crawlspaces that are below the BFE may use optional Post-FIRM elevation rating. Follow the Submit-for-Rate procedures. C. Elevated Buildings in V Zones In zones V, VE, and V1–V30, the floor of an enclosed area below the lowest elevated floor is the building’s lowest floor if any of the following conditions exists: The enclosed space is finished (having more than 20 linear feet of interior finished wall [paneling, etc.]); or The unfinished enclosed space is used for other than building access (stairwells, elevators, etc.), parking, or storage; or The enclosed space is of any size, and there is machinery or equipment below the BFE located inside or outside the enclosed space. (Machinery or equipment is defined as building items permanently affixed to the building and that provide utility services for the building – i.e., furnaces, water heaters, heat pumps, air conditioners, and elevators and their associated equipment. Washers, dryers, and food freezers are contents items and are not considered machinery or equipment.); or The enclosed space is constructed with non-breakaway walls. (A non-breakaway wall is defined as a wall that is attached to the structural support of the building and is not designed or constructed to collapse under specific lateral loading forces. This type of construction endangers the foundation system of the building.); or The enclosed space is 300 square feet or more and has breakaway walls; or The enclosed space has load-bearing (supporting) walls. If the enclosed space (enclosure) is at or above the BFE, use the “Free of Obstruction” rate table in the Rating or Condominiums section as appropriate. Also use these rates if an enclosure has solid load-bearing walls that provide less than 25% of the building’s structural support. The elevation of the bottom enclosure floor is the lowest floor for rating (LFE). Also see “E. Post-’81 V Zone Optional Rating” in the Rating section. II. USE OF ELEVATION CERTIFICATE The Elevation Certificate (EC) is used to properly rate buildings located in Special Flood Hazard Areas (SFHAs). Use the criteria below in determining whether use of the EC is mandatory or optional. (See the Special Certifications section for more information on using the EC.) A. Mandatory Use of Elevation Certificate An EC is required for a Post-FIRM building located in zones AE, A1–A30, VE, or V1–V30, or a Pre-FIRM building opting for Post-FIRM rates (see “B.” below). An EC is also required for a Post-FIRM building located in Unnumbered A Zones (With or Without BFE) and Zones AH and AO. In Zone AO, a Letter of Compliance is acceptable in lieu of an EC. If the building is Post-FIRM construction located in an unnumbered A Zone, check with the community official to determine whether there is a BFE. If available, an EC that certifies the lowest floor elevation must be submitted. B. Optional Rating Using the Elevation Certificate Buildings located in AR and AR Dual Zones, or constructed prior to publication of the initial Flood Insurance Rate Map (Pre-FIRM), can, at the option of the insured, be elevation-rated using Post-FIRM rates. The insured may select the more advantageous rate. C. Guidelines for Determining the Conversion from NGVD 1929 to NAVD 1988 NAVD 1988 is replacing NGVD 1929 as the national standard reference datum for elevations. To determine the conversion from NGVD to NAVD, contact the community official. The surveyor may have applied the conversion factor to the elevations entered on the EC. Unless the surveyor’s comments specifically state that the conversion was not performed, assume that line items C2.a–h have already been converted to the same elevation datum as the BFE reported in box B9. Following this guidance will ensure consistent application at the policy processing level. If the surveyor has not applied the conversion factor, the National Geodetic Survey (NGS) has developed a tool that will help you convert the LFE and BFE measurements to like form. This tool is available through the NGS website at http://www.ngs.noaa.gov/cgi-bin/VERTCON/vert_con.prl. Enter the north latitude and west longitude of the structure. Enter “ft” in the orthometric height field. The conversion factor will then be provided for calculations. For example, to convert a property with a latitude of 35° 15' and longitude of 121° 22' 30" from NGVD 29 to NAVD 88, click on “Height Conversion” and enter the latitude and longitude in the degrees, minutes, seconds format (just replace the °, ', " symbols with a space). Enter the elevation to be converted in NGVD 29 (e.g., top of bottom floor, top of next-higher floor, bottom of lowest horizontal structural member, or lowest adjacent grade next to the building). If the elevation is measured in feet (most places other than Puerto Rico), be sure to include “ft” after the elevation so that the results will be in feet. As an example, enter a building elevation of 54.2 ft. Select Vertical Datum NGVD 29 and click on Submit. The result produced by VERTCON for this latitude and longitude will display a conversion factor of 2.987 feet and a building elevation of 57.186 feet NAVD 88. Rounded to a tenth of a foot, the building elevation is 57.2 feet NAVD 88. To convert a property from NAVD 88 to NGVD 29, enter data as above. Be sure to select Vertical Datum NAVD 88, then click on Submit. The result produced by VERTCON shows a conversion factor of 2.987 feet. Use the building elevation of 54.2 ft. The building elevation in NGVD 29 is 51.214 feet. Rounded to a tenth of a foot, the building elevation is 51.2 feet NGVD 29. III. SPECIFIC BUILDING DRAWINGS Table of CONTENTS SECTION PAGE Elevated Buildings for Pre- and Post-FIRM Risks in Flood Zones B, C, X, A99, and D LFG 10 – LFG 13 Non-Elevated Buildings for Pre- and Post-FIRM Risks in Flood Zones B, C, X, A99, and D LFG 14 – LFG 17 Elevated Buildings for Pre- and Post-FIRM Risks in Flood Zones A, AO, and AH LFG 18 – LFG 24 Non-Elevated Buildings for Pre- and Post-FIRM Risks in Flood Zones A, AO, and AH LFG 25 – LFG 29 Non-Elevated Buildings for Pre- and Post-FIRM Risks in Flood Zones AE and A1–A30 LFG 30 – LFG 37 Elevated Buildings for Pre- and Post-FIRM Risks in Flood Zones AE and A1–A30 LFG 38 – LFG 52 Non-Elevated Buildings for Pre- and Post-FIRM Risks with Construction Dates of 1975 to September 30, 1981, in Flood Zones VE and V1–V30 LFG 53 – LFG 58 Elevated Buildings for Pre- and Post-FIRM Risks with Construction Dates of 1975 to September 30, 1981, in Flood Zones VE and V1–V30 LFG 59 – LFG 71 Elevated Buildings for Post-FIRM Risks in Flood Zones VE and V1–V30, Construction Date October 1, 1981, and After LFG 72 – LFG 83 Non-Elevated Buildings for Post-FIRM Risks in Flood Zones VE and V1–V30, Construction Date October 1, 1981, and After LFG 84 ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D Building Description 1 floor with unfinished enclosed area Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Unfinished enclosure With proper openings3 Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating No Elevation Certificate required Application Should Show Building type — 1 floor Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRM Rating Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating Use Post-FIRM rate table No Basement/Enclosure category. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D Building Description 2 floors with unfinished enclosed area Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Unfinished enclosure With proper openings3 Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating No Elevation Certificate required Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRM Rating Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating Use Post-FIRM rate table No Basement/Enclosure category. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D Building Description 2 floors with unfinished enclosed area Elevating Foundation of Building Solid foundation walls Type of Enclosure Unfinished enclosure (garage) and crawlspace No proper openings3 Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating No Elevation Certificate required Application Should Show Building type — 3 or more floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRM Rating Use Pre-FIRM rate table With Enclosure category. Post-FIRM Rating Use Post-FIRM rate table With Enclosure category. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D Building Description 1 floor with finished or unfinished enclosed area Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Non-load-bearing walls No proper openings3 Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating No Elevation Certificate required Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRM Rating Use Pre-FIRM rate table With Enclosure category. Post-FIRM Rating Use Post-FIRM rate table With Enclosure category. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D Building Description 1 floor on slab Machinery or Equipment Servicing Building N/A Lowest Floor for Rating No Elevation Certificate required Application Should Show Building type — 1 floor Basement — None Is building elevated? — No Pre-FIRM Rating Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating Use Post-FIRM rate table No Basement/Enclosure category. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D Building Description 3 or more floors on slab Machinery or Equipment Servicing Building N/A Lowest Floor for Rating No Elevation Certificate required Application Should Show Building type — 3 or more floors Basement — None Is building elevated? — No Pre-FIRM Rating Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating Use Post-FIRM rate table No Basement/Enclosure category. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D Building Description 2 floors on raised-slab-on-grade or slab-on-stem-wall-with-fill Machinery or Equipment Servicing Building N/A Lowest Floor for Rating No Elevation Certificate required Application Should Show Building type — 2 floors Basement — None Is building elevated? — No Pre-FIRM Rating Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating Use Post-FIRM rate table No Basement/Enclosure category. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D Building Description 1 floor with finished or unfinished basement Machinery or Equipment Servicing Building With or without machinery or equipment in basement Lowest Floor for Rating No Elevation Certificate required Application Should Show Building type — 2 floors Basement — Finished or unfinished Is building elevated? — No Pre-FIRM Rating Use Pre-FIRM rate table With Basement category. Post-FIRM Rating Use Post-FIRM rate table With Basement category. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH Building Description 1 floor without enclosed area (see Elevation Certificate, Diagram 5) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure No enclosure Machinery or Equipment Servicing Building 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-FIRM Rating5 AO Zone: Use Pre-FIRM rate table No Basement/Enclosure category. AH Zone: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone with BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone without BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating AO Zone: 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. AH Zone: 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. A Zone with BFE2: 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. A Zone 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH Building Description 2 floors, including hanging floor (see Elevation Certificate, Diagram 5) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure No enclosure Machinery or Equipment Servicing Building 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-FIRM Rating5 AO Zone: Use Pre-FIRM rate table No Basement/Enclosure category. AH Zone: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone with BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone without BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating AO Zone: 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. AH Zone: 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. A Zone with BFE2: 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. A Zone 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH Building Description 1 floor with unfinished enclosed area (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Unfinished enclosure With proper openings3 Machinery or Equipment Servicing Building 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-FIRM Rating5 AO Zone: Use Pre-FIRM rate table No Basement/Enclosure category. AH Zone: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone with BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone without BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating AO Zone: 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. AH Zone: 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. A Zone with BFE2: 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. A Zone 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH Building Description 2 floors with unfinished enclosed area (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Unfinished enclosure With proper openings3 Machinery or Equipment Servicing Building 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-FIRM Rating5 AO Zone: Use Pre-FIRM rate table No Basement/Enclosure category. AH Zone: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone with BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone without BFE2: Use Post-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating AO Zone: 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. AH Zone: 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. A Zone with BFE2: 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. A Zone 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH Building Description 2 floors with unfinished enclosed area (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Solid foundation walls Type of Enclosure Unfinished enclosure (garage) and crawlspace No openings Machinery or Equipment Servicing Building 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-FIRM Rating AO Zone: Use Pre-FIRM rate table With Enclosure category. AH Zone: Use Pre-FIRM rate table With Enclosure category. A Zone: Use Pre-FIRM rate table With Enclosure category. Post-FIRM Rating Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH Building Description 1 floor with finished or unfinished enclosed area (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Unfinished enclosure Non-load-bearing walls No openings Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of bottom floor (including basement or enclosure) Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRM Rating AO Zone: Use Pre-FIRM rate table With Enclosure category. AH Zone: Use Pre FIRM rate table With Enclosure category. A Zone: Use Pre-FIRM rate table With Enclosure category. Post-FIRM Rating Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH Building Description Mobile home without enclosed area (see Elevation Certificate, Diagram 5) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Vinyl or aluminum skirting Machinery or Equipment Servicing Building 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 — Mobile home Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRM Rating5 AO Zone: Use Pre-FIRM rate table Manufactured (Mobile) Home category. AH Zone: Use Pre-FIRM rate table Manufactured (Mobile) Home category. A Zone with BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone without BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating AO Zone: 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. AH Zone: 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. A Zone with BFE2: 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. A Zone 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH Building Description 1 floor with finished or unfinished basement (see Elevation Certificate, Diagram 2) Machinery or Equipment Servicing Building With or without machinery or equipment in the basement Lowest Floor for Rating Top of bottom floor (including basement) Application Should Show Building type — 2 floors Basement — Finished or unfinished Is building elevated? — No Pre-FIRM Rating AO Zone: Use Pre-FIRM rate table With Basement category. AH Zone: Use Pre-FIRM rate table With Basement category. A Zone: Use Pre-FIRM rate table With Basement category. Post-FIRM Rating Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH Building Description 1 floor on slab (see Elevation Certificate, Diagram 1A) Machinery or Equipment Servicing Building N/A Lowest Floor for Rating Top of bottom floor Application Should Show Building type — 1 floor Basement — None Is building elevated? — No Pre-FIRM Rating5 AO Zone: Use Pre-FIRM rate table No Basement/Enclosure category. AH Zone: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone with BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone without BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating AO Zone: 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. AH Zone: 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. A Zone with BFE2: 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. A Zone 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH Building Description 3 or more floors on slab (see Elevation Certificate, Diagram 1A) Machinery or Equipment Servicing Building N/A Lowest Floor for Rating Top of bottom floor Application Should Show Building type — 3 or more floors Basement — None Is building elevated? — No Pre-FIRM Rating5 AO Zone: Use Pre-FIRM rate table No Basement/Enclosure category. AH Zone: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone with BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone without BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating AO Zone: 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. AH Zone: 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. A Zone with BFE2: Use Post-FIRM rate table No Base Flood Elevation category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. A Zone without BFE2: If difference between the LF1 and HAG4 is 1 foot or more, use Post-FIRM rate table With Base Flood Elevation category. If difference is 0 feet or less, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH Building Description 2 floors on raised-slab-on-grade or slab-on-stem-wall-with-fill (see Elevation Certificate, Diagram 1B) Machinery or Equipment Servicing Building N/A Lowest Floor for Rating Top of bottom floor Application Should Show Building type — 2 floors Basement — None Is building elevated? — No Pre-FIRM Rating5 AO Zone: Use Pre-FIRM rate table No Basement/Enclosure category. AH Zone: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone with BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone without BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating AO Zone: 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. AH Zone: 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. A Zone with BFE2: Use Post-FIRM rate table No Base Flood Elevation category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. A Zone without BFE2: If difference between the LF1 and HAG4 is 1 foot or more, use Post-FIRM rate table With Base Flood Elevation category. If difference is 0 feet or less, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH Building Description 2 floors on slab with attached garage (see Elevation Certificate, Diagram 1A) Machinery or Equipment Servicing Building Machinery or equipment in garage Lowest Floor for Rating If attached garage has no proper openings3, and has machinery or equipment below the BFE2, use the garage floor for rating. Otherwise, use the top of the finished floor for rating. Application Should Show Building type — 2 floors Basement — None Is building elevated? — No Pre-FIRM Rating5 AO Zone: Use Pre-FIRM rate table No Basement/Enclosure category. AH Zone: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone with BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. A Zone without BFE2: Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating AO Zone: 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. AH Zone: 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. A Zone with BFE2: 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. A Zone 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description 1 floor on slab (see Elevation Certificate, Diagram 1A) Machinery or Equipment Servicing Building N/A Lowest Floor for Rating Top of bottom floor Application Should Show Building type — 1 floor Basement — None Is building elevated? — No Pre-FIRM Rating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description 3 or more floors on slab (see Elevation Certificate, Diagram 1A) Machinery or Equipment Servicing Building N/A Lowest Floor for Rating Top of bottom floor Application Should Show Building type — 3 or more floors Basement — None Is building elevated? — No Pre-FIRM Rating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating Use Post-FIRM rate table More Than 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description 2 floors on raised-slab-on-grade or slab-on-stem-wall-with-fill (see Elevation Certificate, Diagram 1B) Machinery or Equipment Servicing Building N/A Lowest Floor for Rating Top of bottom floor Application Should Show Building type — 2 floors Basement — None Is building elevated? — No Pre-FIRM Rating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating Use Post-FIRM rate table More Than 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description 2 floors on slab with attached garage (see Elevation Certificate, Diagram 1A) Machinery or Equipment Servicing Building Machinery or equipment in garage Lowest Floor for Rating If attached garage has no proper openings3, and has machinery or equipment below the BFE2, use the garage floor for rating. Otherwise, use the top of the finished floor for rating. Application Should Show Building type — 2 floors Basement — None Is building elevated? — No Pre-FIRM Rating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating Use Post-FIRM rate table More Than 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description 2 floors with subgrade crawlspace with or without openings (see Elevation Certificate, Diagram 9) Subgrade crawlspace floor is no more than 2 feet below grade, and the distance between the subgrade crawlspace floor and the top of the next-higher floor is no more than 5 feet. Machinery or Equipment Servicing Building With or without machinery or equipment Lowest Floor for Rating Top of bottom floor (including subgrade crawlspace) Application Should Show Building type — 3 or more floors Is building elevated? — No Subgrade crawlspace Pre-FIRM Rating5 Use Pre-FIRM rate table Non-Elevated With Subgrade Crawlspace category. Pre-FIRM buildings with subgrade crawlspace(s) may use optional Post-FIRM elevation rating provided that the lowest floor is below the Base Flood Elevation (BFE). The building must be reported statistically as a Submit-for-Rate using Risk Rating Method “2.” Follow the procedures from the Specific Rating Guidelines for policy processing. Post-FIRM Rating 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. See “H. Crawlspace” in the Special Rating Situations subsection in the Rating section. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description 2 floors with unfinished basement (see Elevation Certificate, Diagram 2) Basement floor is subgrade more than 2 feet, or subgrade no more than 2 feet and the distance between the basement floor and the top of the next-higher floor is more than 5 feet. Machinery or Equipment Servicing Building With or without machinery or equipment Lowest Floor for Rating Top of bottom floor (including basement) Application Should Show Building type — 3 or more floors Is building elevated? — No Basement — Finished or unfinished Pre-FIRM Rating5 Use Pre-FIRM rate table With Basement category. Post-FIRM Rating Use Post-FIRM rate table More Than 1 Floor With 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description 1 floor with attached garage Garage is at lower elevation than principal building area (see Elevation Certificate, Diagram 1A) Machinery or Equipment Servicing Building Machinery or equipment in garage Lowest Floor for Rating If attached garage has no proper openings3, and has machinery or equipment below the BFE2, use the garage floor for rating. Otherwise, use the top of the finished floor for rating. Application Should Show Building type — 1 floor Basement — None Is building elevated? — No Pre-FIRM Rating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description Split level with unfinished or finished basement (see Elevation Certificate, Diagram 4) Machinery or Equipment Servicing Building With or without machinery or equipment in basement Lowest Floor for Rating Top of bottom floor (including basement) Application Should Show Building type — Split level Basement — Finished or unfinished Is building elevated? — No Pre-FIRM Rating5 Use Pre-FIRM rate table With Basement category. Post-FIRM Rating Use Post-FIRM rate table More Than 1 Floor With 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description 2 floors with walkout at ground level Lower floor is not below grade on all sides Principal use of the building is on the elevated floor (see Elevation Certificate, Diagram 7) Elevating Foundation of Building Solid foundation walls Type of Enclosure Finished or unfinished lower level No openings Machinery or Equipment Servicing Building With or without machinery or equipment at ground level Lowest Floor for Rating Top of bottom floor (enclosure) Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRM Rating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRM Rating 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description 1 floor without enclosed area (see Elevation Certificate, Diagram 5) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure No enclosure Machinery or Equipment Servicing Building 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-FIRM Rating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description Elevated on piers, posts, piles, or columns with hanging floor 2 floors, including hanging floor (see Elevation Certificate, Diagram 5) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure No enclosure Machinery or Equipment Servicing Building 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-FIRM Rating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description 1 floor with unfinished enclosed area (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Unfinished enclosure With proper openings3 Machinery or Equipment Servicing Building 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-FIRM Rating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description 2 floors with unfinished enclosed area (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Unfinished enclosure With proper openings3 Machinery or Equipment Servicing Building 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 — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRM Rating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description 2 floors with unfinished enclosure/crawlspace (see Elevation Certificate, Diagram 8) Elevating Foundation of Building Solid foundation walls Type of Enclosure Unfinished enclosure (garage) and crawlspace No proper openings3 Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of bottom floor (garage) Application Should Show Building type — 3 or more floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRM Rating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRM Rating 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description 1 floor with finished or unfinished enclosed area (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Non-load-bearing walls No openings Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of bottom floor (including basement or enclosure) Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRM Rating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRM Rating 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description 1 floor Mid-Level Entry with unfinished enclosure (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Solid foundation walls Type of Enclosure Enclosure garage and storage area Proper openings in garage and enclosure Machinery or Equipment Servicing Building 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-FIRM Rating5 Use Pre-FIRM rate table No Enclosure category. Post-FIRM Rating 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description 2 floor Mid-Level Entry with unfinished enclosure (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Solid foundation walls Type of Enclosure Enclosure garage and storage area No proper openings3 Machinery or Equipment Servicing Building 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-FIRM Rating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRM Rating 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description 1 floor with unfinished enclosed area (see Elevation Certificate, Diagram 7) Elevating Foundation of Building Solid foundation walls Type of Enclosure Unfinished enclosure No proper openings3 Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Top of bottom floor (including basement or enclosure) Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRM Rating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRM Rating 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description 2 floors with unfinished enclosure/crawlspace (see Elevation Certificate, Diagram 8) Elevating Foundation of Building Solid foundation walls Type of Enclosure Enclosed garage at same level as crawlspace Unfinished enclosure/crawlspace No proper openings3 in crawlspace or garage Floor of crawlspace/garage is at or above lowest adjacent grade Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Floor of crawlspace and garage Application Should Show Building type — 3 or more floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRM Rating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRM Rating 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description 2 floors with crawlspace (see Elevation Certificate, Diagram 8) Elevating Foundation of Building Solid foundation walls Type of Enclosure Unfinished crawlspace Proper openings3 in crawlspace and garage Floor of crawlspace/garage is at or above lowest adjacent grade Machinery or Equipment Servicing Building Without machinery or equipment in crawlspace or garage Lowest Floor for Rating Top of next-higher floor (elevated floor) Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRM Rating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating Use Post-FIRM rate table More Than 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description 2 floors with crawlspace (see Elevation Certificate, Diagram 8) Elevating Foundation of Building Solid foundation walls Type of Enclosure Unfinished crawlspace With proper openings3 Floor of crawlspace is at or above lowest adjacent grade Machinery or Equipment Servicing Building With or without machinery or equipment in crawlspace Lowest Floor for Rating Top of next-higher floor (elevated floor) Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRM Rating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating Use Post-FIRM rate table More Than 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description 2 floors with crawlspace (see Elevation Certificate, Diagram 8) Elevating Foundation of Building Solid foundation walls Type of Enclosure Unfinished crawlspace No proper openings3 Floor of crawlspace is at or above lowest adjacent grade Machinery or Equipment Servicing Building With or without machinery or equipment in crawlspace Lowest Floor for Rating Top of bottom floor (crawlspace) Application Should Show Building type — 3 or more floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRM Rating5 Use Pre-FIRM rate table Elevated on Crawlspace category. Post-FIRM Rating 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30 Building Description Mobile home without enclosed area (see Elevation Certificate, Diagram 5) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Vinyl or aluminum skirting Machinery or Equipment Servicing Building 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 — Mobile home Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRM Rating5 Use Pre-FIRM rate table Manufactured (Mobile) Home category. Post-FIRM Rating Use Post-FIRM Manufactured (Mobile) Home rates. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V306 Building Description 1 floor No basement (see Elevation Certificate, Diagram 1A) Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above grade, deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 1 floor Basement — None Is building elevated? — No Pre-FIRM Rating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating 1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone 1 Floor No Basement/Enclosure/Crawlspace rates. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V306 Building Description 3 or more floors No basement (see Elevation Certificate, Diagram 1A) Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above grade, deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 3 or more floors Basement — None Is building elevated? — No Pre-FIRM Rating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating 1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone 1 Floor No Basement/Enclosure/Crawlspace rates. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V306 Building Description 2 floors on raised-slab-on-grade or slab-on-stem-wall-with-fill (see Elevation Certificate, Diagram 1B) Lowest Floor for Rating Lowest adjacent grade (C2.f) Application Should Show Building type — 2 floors Basement — None Is building elevated? — No Pre-FIRM Rating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating 1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor No Basement/Enclosure/Crawlspace rates. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V306 Building Description 1 floor with attached garage Garage is at lower elevation than principal building area (see Elevation Certificate, Diagram 1) Lowest Floor for Rating In V Zones, the lowest floor for rating should reflect the bottom of the slab. If the surveyor used item C2. a or d (attached garage/top of slab) in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2. a or d, whichever is lower. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2. a or d, whichever is lower. Application Should Show Building type — 1 floor Basement — None Is building elevated? — No Pre-FIRM Rating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating 1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone 1 Floor No Basement/Enclosure rates. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V306 Building Description 3 floors Finished basement (see Elevation Certificate, Diagram 2) Lowest Floor for Rating Bottom of slab (basement) In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is indicated in the Elevation Certificate, deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 3 or more floors Basement — Finished Is building elevated? — No Pre-FIRM Rating5 Use Pre-FIRM rate table With Basement category. Post-FIRM Rating 1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor With Basement/Enclosure/Crawlspace rates. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V306 Building Description Split level Unfinished basement (see Elevation Certificate, Diagram 4) Lowest Floor for Rating Bottom of slab (basement) In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is indicated in the Elevation Certificate, deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — Split level Basement — Unfinished Is building elevated? — No Pre-FIRM Rating5 Use Pre-FIRM rate table With Basement category. Post-FIRM Rating 1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor With Basement/Enclosure/Crawlspace rates. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30 Building Description 2 floors with walkout at ground level Lower floor is not below grade on all sides Principal use of the building is on the elevated floor (see Elevation Certificate, Diagram 7) Elevating Foundation of Building Solid foundation walls Type of Enclosure Finished or unfinished lower level Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRM Rating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRM Rating 1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor With Basement/Enclosure/Crawlspace rates. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30 Building Description 1 floor without enclosed area (see Elevation Certificate, Diagram 5) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure The space below the lowest elevated floor either has no enclosure or has: (1) Insect screening, provided that no additional supports are required for the screening; or (2) Wooden or plastic lattice with at least 40% of its area open and made of material no thicker than ½ inch; or (3) Wooden or plastic slats or shutters with at least 40% of their area open and made of material no thicker than 1 inch; or (4) The area below the lowest elevated floor is enclosed by a combination of 1 solid breakaway wall or garage door, and the other sides of the enclosure are insect screening, or wooden or plastic lattice, slats, or shutters. Any of these systems must be designed and installed to collapse under stress without jeopardizing the structural support of the building, so that the impact on the building of abnormally high tides or wind-driven water is minimized. Machinery or Equipment Servicing Building Any machinery or equipment below elevated floor is at or above the BFE2 Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Building type — 1 floor Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRM Rating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating 1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone 1 Floor No Basement/Enclosure/Crawlspace rates. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30 Building Description 2 floors, including hanging floor (see Elevation Certificate, Diagram 5) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure No enclosure Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRM Rating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating 1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor No Basement/Enclosure/Crawlspace rates. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TOSEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30 Building Description Mobile home without enclosed area (see Elevation Certificate, Diagram 5) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Vinyl or aluminum skirting Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Building type — Mobile home Is building elevated? — Yes Is area below the elevated floor enclosed? — No Pre-FIRM Rating5 Use Pre-FIRM rate table No Basement/Enclosure category. Post-FIRM Rating 1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone Manufactured (Mobile) Home rates. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30 Building Description 2 floors with unfinished enclosed area (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls Machinery or Equipment Servicing Building No machinery or equipment below elevated floor Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Pre-FIRM Post-FIRM Building type 2 floors 2 floors Is building elevated? Yes Yes Is area below the elevated floor enclosed? Yes No Pre-FIRM Rating5 Use Pre-FIRM rate table With Enclosure category and describe the building as an elevated building with enclosure. Post-FIRM Rating 1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor No Basement/Enclosure/Crawlspace rate 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30 Building Description 1 floor with unfinished enclosed area (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls Machinery or Equipment Servicing Building No machinery or equipment below elevated floor Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Pre-FIRM Post-FIRM Building type 2 floors 1 floor Is building elevated? Yes Yes Is area below the elevated floor enclosed? Yes No Pre-FIRM Rating5 Use Pre-FIRM rate table With Enclosure category and describe the building as an elevated building with enclosure. Post-FIRM Rating 1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone 1 Floor No Basement/Enclosure/Crawlspace rate 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30 Building Description 1 floor with unfinished enclosed area (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls Machinery or Equipment Servicing Building With machinery or equipment below elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building Type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRM Rating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRM Rating 1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor With Basement/Enclosure/Crawlspace rate 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30 Building Description 2 floors with finished or unfinished enclosed area (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Enclosure (total area less than 300 sq. ft.) with non-breakaway walls Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building Type — 3 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRM Rating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRM Rating 1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor With Basement/Enclosure/Crawlspace rate 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30 Building Description 3 or more floors with finished or unfinished enclosed area (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Enclosure (total area 300 sq. ft. or more) with non-breakaway walls or with breakaway walls Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 3 or more floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRM Rating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRM Rating 1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor With Basement/Enclosure/Crawlspace rate 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30 Building Description 1 floor with finished or unfinished enclosed area (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Enclosure (total area 300 sq. ft. or more) with non-breakaway walls or with breakaway walls Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRM Rating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRM Rating 1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor With Basement/Enclosure/Crawlspace rate 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30 Building Description 1 floor with finished or unfinished enclosed area (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Shear walls parallel to the expected flow of floodwaters Type of Enclosure Both ends enclosed with nonbreakaway walls or breakaway walls (total enclosed area 300 sq. ft. or more) Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRM Rating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRM Rating 1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor With Basement/Enclosure/Crawlspace rate 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30 Building Description 1 floor with finished or unfinished enclosed area (see Elevation Certificate, Diagram 7) Elevating Foundation of Building Solid foundation walls Type of Enclosure Finished or unfinished enclosure Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRM Rating5 Use Pre-FIRM rate table With Enclosure category. Post-FIRM Rating 1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor With Basement/Enclosure/Crawlspace rate 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30 Building Description 2 floors with crawlspace (see Elevation Certificate, Diagram 8) Elevating Foundation of Building Solid foundation walls Type of Enclosure Unfinished crawlspace Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of foundation wall Application Should Show Building type — 3 or more floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes Pre-FIRM Rating5 Use Pre-FIRM rate table Elevated On Crawlspace category. Post-FIRM Rating 1975 to September 30, 1981, Construction Date Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than 1 Floor With Basement/Enclosure/Crawlspace rate 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 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPOST-FIRM RISKS IN FLOOD ZONES VE AND V1–V30 — CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER Building Description 1 floor without enclosed area (see Elevation Certificate, Diagram 5) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure The space below the lowest elevated floor either has no enclosure or has: (1) Insect screening, provided that no additional supports are required for the screening; or (2) Wooden or plastic lattice with at least 40% of its area open and made of material no thicker than ½ inch; or (3) Wooden or plastic slats or shutters with at least 40% of their area open and made of material no thicker than 1 inch; or (4) The area below the lowest elevated floor is enclosed by a combination of 1 solid breakaway wall or garage door, and the other sides of the enclosure are insect screening, or wooden or plastic lattice, slats, or shutters. Any of these systems must be designed and installed to collapse under stress without jeopardizing the structural support of the building, so that the impact on the building of abnormally high tides or wind-driven water is minimized. Machinery or Equipment Servicing Building No machinery or equipment below elevated floor Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Building type — 1 floor Is building elevated? — Yes Is area below the elevated floor enclosed? — No V-Zone Rating; Construction Date October 1, 1981, and After Use 1981 Post-FIRM V1–V30, VE Zone Free of Obstruction rates. If LF1 elevation is 4 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPOST-FIRM RISKS IN FLOOD ZONES VE AND V1–V30 — CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER Building Description 1 floor without enclosed area (see Elevation Certificate, Diagram 5) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure No enclosure or open-wood latticework or insect screening Machinery or Equipment Servicing Building With machinery or equipment at or above the BFE Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Building type — 1 floor Is building elevated? — Yes Is area below the elevated floor enclosed? — No V-Zone Rating;Construction DateOctober 1, 1981, and After Use 1981 Post-FIRM V1–V30, VE Zone Free of Obstruction rates. If LF1 elevation is 4 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPOST-FIRM RISKS IN FLOOD ZONES VE AND V1–V30 — CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER Building Description 2 floors, including hanging floor (see Elevation Certificate, Diagram 5) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure No enclosure Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — No V-Zone Rating; Construction Date October 1, 1981, and After Use 1981 Post-FIRM V1–V30, VE Zone Free of Obstruction rates. If LF1 elevation is 4 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPOST-FIRM RISKS IN FLOOD ZONES VE AND V1–V30 — CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER Building Description 1 floor with unfinished enclosed area (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls Machinery or Equipment Servicing Building Without machinery or equipment below elevated floor Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes V-Zone Rating; Construction Date October 1, 1981, and After Use 1981 Post-FIRM V1–V30, VE Zone With Obstruction rates. If LF1 elevation is 4 or more feet below the BFE2, submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPOST-FIRM RISKS IN FLOOD ZONES VE AND V1–V30 — CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER Building Description 1 floor with unfinished enclosed area (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls Machinery or Equipment Servicing Building With machinery or equipment below the BFE Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade, deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes V-Zone Rating; Construction Date October 1, 1981, and After Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPOST-FIRM RISKS IN FLOOD ZONES VE AND V1–V30 — CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER Building Description 2 floors with finished or unfinished enclosed area (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls Machinery or Equipment Servicing Building With machinery or equipment below the BFE Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade, deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 3 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes V-Zone Rating; Construction Date October 1, 1981, and After Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPOST-FIRM RISKS IN FLOOD ZONES VE AND V1–V30 — CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER Building Description 1 floor with finished or unfinished enclosed area (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Enclosure (total area 300 sq. ft. or more) with nonbreakaway walls or breakaway walls Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes V-Zone Rating; Construction Date October 1, 1981, and After Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPOST-FIRM RISKS IN FLOOD ZONES VE AND V1–V30 — CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER Building Description 3 or more floors with finished or unfinished enclosed area (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Enclosure (total area 300 sq. ft. or more) with nonbreakaway walls or breakaway walls Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 3 or more floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes V-Zone Rating; Construction Date October 1, 1981, and After Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPOST-FIRM RISKS IN FLOOD ZONES VE AND V1–V30 — CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER Building Description 1 floor with finished or unfinished enclosed area (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Shear walls parallel to the expected flow of floodwaters Type of Enclosure Both ends enclosed with breakaway walls (total enclosed area 300 sq. ft. or more) Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a. Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes V-Zone Rating; Construction Date October 1, 1981, and After Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPOST-FIRM RISKS IN FLOOD ZONES VE AND V1–V30 — CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER Building Description 1 floor with finished or unfinished enclosed area (see Elevation Certificate, Diagram 7) Elevating Foundation of Building Solid foundation walls Type of Enclosure Finished or unfinished enclosure Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes V-Zone Rating; Construction Date October 1, 1981, and After Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPOST-FIRM RISKS IN FLOOD ZONES VE AND V1–V30 — CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER Building Description 2 floors with crawlspace (see Elevation Certificate, Diagram 8) Elevating Foundation of Building Solid foundation walls Type of Enclosure Unfinished crawlspace Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of foundation wall Application Should Show Building type — 3 or more floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes V-Zone Rating;Construction Date October 1, 1981, and After Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. ELEVATED BUILDINGSPOST-FIRM RISKS IN FLOOD ZONES VE AND V1–V30 — CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER Building Description 1 floor Mid-Level Entry with unfinished enclosure (see Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Enclosure garage Enclosure (total area 300 sq. ft. or more) with nonbreakaway walls or breakaway walls Machinery or Equipment Servicing Building With or without machinery or equipment below the lowest elevated floor Lowest Floor for Rating Bottom of slab In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4 family residences) 12 inches from the elevation figure found in item C2.a. For buildings other than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a Application Should Show Building type — 2 floors Is building elevated? — Yes Is area below the elevated floor enclosed? — Yes V-Zone Rating; Construction Date October 1, 1981, and After Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. NON-ELEVATED BUILDINGSPOST-FIRM RISKS IN FLOOD ZONES VE AND V1–V30 — CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER Building Description 2 floors on raised-slab-on-grade or slab-on-stem-wall-with-fill (see Elevation Certificate, Diagram 1B) Lowest Floor for Rating Lowest adjacent grade (C2.f) Application Should Show Building type — 2 floors Basement — None Is building elevated? — No V-Zone Rating;Construction Date October 1, 1981, and After Submit the Application to the insurer for a rate. 1 LF — Lowest Floor 2 BFE — Base Flood Elevation 3 See page LFG 1 for explanation of proper openings 4 HAG — Highest Adjacent Grade 5 Pre-FIRM buildings may be rated using Post-FIRM rating if more favorable to the insured 6 Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate NOTE: Above references may not apply to this page. SPECIAL CERTIFICATIONS This section presents detailed instructions for the completion of the National Flood Insurance Program (NFIP) Elevation Certificate (EC) and the NFIP Floodproofing Certificates. NOTE: When determining the lowest floor for rating, refer to the Lowest Floor Guide section of this manual. I. NFIP ELEVATION CERTIFICATE The EC is an important administrative tool of the NFIP. It is to be used to provide elevation information necessary to ensure compliance with community floodplain management ordinances, to determine the proper insurance premium rate, and to support a request for a Letter of Map Amendment (LOMA) or Letter of Map Revision based on Fill (LOMR-F). The NFIP EC form and instructions were revised effective March 16, 2009. The surveyor, engineer, architect, property owner, or owner’s representative is required to provide the square footage of any crawlspace or enclosure(s) below the lowest elevated floor (including an attached garage) plus information about any permanent flood openings in the crawlspace or enclosure(s). When the EC is being submitted to obtain flood insurance through the NFIP, generally at least 2 photographs of the building must accompany it. This additional information will significantly enhance the agent’s/producer’s and company underwriter’s ability to properly rate elevation-rated risks. Current photograph requirements, and exceptions to them, are described in Section II. below. Elevations certified on or after April 1, 2010, must be submitted on the 2009 EC form. An exception is made when the community official completes the 2006 EC with elevation data received by the community before April 1, 2010. It must be noted in the Comments area of Section G of the 2006 EC that the community had the data on file before April 1, 2010. When 2 or more ECs are submitted for the same building, use the EC with the latest certified date when rating the policy. Non-NFIP elevation certification forms certified on or after October 1, 2000, do not satisfy NFIP requirements and cannot be used for rating policies. The EC is required on Post-FIRM buildings constructed in an SFHA, but is optional on Post-FIRM buildings constructed in a non-SFHA and on Pre-FIRM construction. For Post-FIRM buildings constructed in a non-SFHA and remapped to an SFHA and that are eligible for grandfathering, the insured has the option of obtaining an EC or continuing with the non-SFHA rates without an EC. The EC is required by the NFIP to certify the lowest floor elevation of a building so that the policy can be properly rated, as follows (also see the Lowest Floor Guide section in this manual): All Post-FIRM Buildings The EC is to be completed by a land surveyor, an engineer, or an architect who is authorized by state or local law to certify elevation information when it is required for zones A1–A30, AE, AH, AO, A (with or without Base Flood Elevations [BFEs]), V1–V30, VE, and V (with BFEs). Community officials who are authorized by local law or ordinance to provide floodplain management information may also complete this form. For zones AO and A (without BFEs), a building official, a property owner, or an owner’s representative may also provide the information on this certification. Building elevation information may be available through the community official if the community is a Community Rating System (CRS) participating community. The lowest adjacent grade and diagram number are required for all new business applications effective on or after October 1, 1997, if the elevation certification date is on or after October 1, 1997. Pre-FIRM Buildings Rated Using Post-FIRM Rates Pre-FIRM construction can be elevation rated using Post-FIRM EC rates, which are more favorable rates if the lowest floor of the building is at or above the BFE for the community. In many cases, the lowest floor level of a Pre-FIRM building is below the BFE, and it would not benefit the insured to pay the cost for an EC in an attempt to secure a lower rate. The decision to obtain an EC and to request Post-FIRM rating of a Pre-FIRM building is an option of the insured. AR and AR Dual Zones The EC is optional on all Post- and Pre-FIRM construction located in AR and AR Dual Zones. The decision to obtain an EC and to request Post-FIRM rating is at the discretion of the insured. The EC includes the AR and AR Dual Zone elevation requirements. The agent/producer is to attach a copy of the completed and signed EC to the Application. The certifier’s seal or license number must be legible on the copy of the EC. The agent/producer and the policyholder should retain a copy. II. PHOTOGRAPH REQUIREMENTS Generally, all new business applications for elevation-rated risks with a policy effective date of January 1, 2007, or later must be submitted with at least 2 photographs that show the front and back of the building and were taken and dated within 90 days of the mailing date (not the certification date, if that date was earlier). For buildings with flood openings (flood vents), 1 or more photographs must clearly show the openings. If the building is a split level or has multi-level areas at ground level, at least 2 additional photographs showing views of both sides of the building must be submitted. Exception 1: 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. The Federal Emergency Management Agency (FEMA) will continue to consider such policies as renewals, even though they are reported as new business under the Transaction Record Reporting and Processing Plan. (However, when an insured changes agent/producer and insurer, the policy is considered new business, and photographs are required.) Exception 2: When a Flood Insurance Application and an EC are submitted for a building in the course of construction, photographs are not required and proposed elevations will be used for rating. When the building is completed, a revised EC with required photographs and as-built elevations must be submitted for use in rerating the policy. These requirements also apply to all renewal and endorsement transactions adding elevation rating effective on or after January 1, 2007. For the convenience of users, 2 Building Photographs pages are included with the EC and instructions. However, photographs may be attached to any sheet(s) of blank paper or business letterhead. All photographs must measure at least 3"× 3", provide a clear image of the building’s distinguishing features, and include date taken. Analog or digital photographs are acceptable; color photographs are preferred. An EC submitted without the required photographs is not considered valid for rating, unless the building is in the course of construction. Each Write Your Own (WYO) Company may use its current business practices in handling ECs without photographs, whether that is tentative rating, provisional rating, or rejection of the Application. III. USING THE ELEVATION CERTIFICATE: SPECIAL CONSIDERATIONS A. Section A – Property Information Section A of the EC includes the building use. This information is helpful in validating the data collected by the insurance agent/producer, and the Flood Insurance Application information. On the EC, latitude, longitude, and related information are optional only if the document is being certified by other than a licensed surveyor, engineer, or architect. If the EC is being used to obtain flood insurance, and the certification date is on or after January 1, 2007, the EC must be accompanied by at least 2 current photographs of the building. (See “II. Photograph Requirements” above.) For any crawlspace, enclosure(s), or attached garage, the EC collects square footage, number of flood openings within 1.0 foot above the higher of the exterior or interior grade (adjacent) or floor immediately below the openings, and total area of flood openings in square inches. (A parking area located beneath an elevated floor is not considered an attached garage.) The information found in Section A of the EC is critical, as it relates to the insured property. Should information be missing from Section A (except latitude, longitude, and related information), the certificate must be returned to the surveyor, engineer, architect, or community official who executed the form. These individuals should be encouraged to fully complete Section A to avoid any delay in the issuance of the flood insurance policy. B. Section B – Flood Insurance Rate Map (FIRM) Information The Flood Insurance Rate Map (FIRM) information includes the following: FIRM panel effective date and revision date; Source of the BFE or base flood depth; NOTE: The same elevation datum should be used in determining all certification elevations as was used in determining the BFE (i.e., NGVD 1929 or NAVD 1988). Coastal Barrier Resources System (CBRS) area or Otherwise Protected Area (OPA). NOTE: Refer to the CBRS section of this manual for flood insurance coverage eligibility. C. Section C – Building Elevation Information (Survey Required) Responsibilities for building elevation information are as follows: The surveyor, engineer, or architect is required to provide a number of elevations based on the building type selected. From the elevations gathered, the insurance agent/producer is required to determine the lowest floor for rating flood insurance. As it relates to Section C, information found not to be applicable to the property being certified should be marked N/A (not applicable) by the surveyor, engineer, or architect. If any part of Section C is left blank, critically review it and contact the surveyor, engineer, or architect who completed the form and your company underwriter with any questions. Elevation(s) of machinery and equipment servicing the building (e.g., water heater, furnace, A/C compressor, heat pump, water pump) must be provided, regardless of its location, whether inside or outside of the building, elevated on a platform, or non-elevated. The surveyor, engineer, or architect may not be able to gain access to some crawlspaces to obtain the elevation of the crawlspace floor. In this instance, Item C2.a on the EC may be left blank and the estimated measurements entered in the Comments area of Section D. Elevations in Section C are based on feet, except in Puerto Rico, where the metric system is used. The agent/producer must convert any metric elevation readings into feet before calculating the flood insurance premium. D. Section D – Surveyor, Engineer, or Architect Certification Section D is the surveyor’s, engineer’s, or architect’s certification that the information provided in Sections A, B, and C is representative of the certifier’s best efforts to interpret the data available. The surveyor’s, engineer’s, or architect’s signature and identification number are required fields; some states also may require a seal. E. Section E – Building Elevation Information (Survey Not Required) for Zone AO and Zone A (Without BFE) The elevation differences between the lowest floor and the lowest adjacent grade and highest adjacent grade are required. For Zone A (without a FEMA-issued or community-issued BFE) and Zone AO, a property owner or owner’s authorized representative may complete Sections A, B, and E. F. Section F – Property Owner (or Owner’s Representative) Certification Address and other contact information about the property owner are requested in Section F. The party completing Sections A, B, and E must execute Section F as well. G. Section G – Community Information (Optional) The local official who is authorized by law or ordinance to administer the community’s floodplain management ordinance may transfer elevation information found on existing documentation (i.e., an older Elevation Certification form, or surveyor letterhead) to Section C of the EC. The local official must then certify this information by fully completing Section G. A statement advising FEMA of this transfer of information must be made in the Comments area. Section G may also be used to certify Item E5. IV. FLOODPROOFING CERTIFICATE A. Purpose and Eligibility In certain circumstances, floodproofing may be permitted as an alternative to elevating to or above the BFE; however, a floodproofing design certification is required. Certified floodproofing may result in lower rates. Floodproofing credit cannot be applied to buildings under construction. Non-residential buildings in any community, in all locations except in V Zones, may be floodproofed in lieu of elevating. Residential buildings may be floodproofed only if they have basements, are located in zones A1–A30, AE, AR, AR Dual, AO, AH, and A with BFE, and only if they are located in communities specifically approved and authorized by FEMA. A current list of approved communities appears on page CERT 4. The allowable methods of floodproofing for non-residential buildings differ from those allowed for residential buildings. The specific requirements should be available from the local government. B. Specifications The specifications for floodproofing ensure that the building is watertight, its floodproofed walls will not collapse, and the floor at the base of the floodproofed walls will resist flotation during flooding conditions. For residential buildings, the building must be watertight without human intervention. C. Rating In order to be eligible for lower rates, the insured must have a registered professional engineer or architect certify that the floodproofing conforms with 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, flood depth, or comparable community-approved floodplain management standards, it can then be treated for rating purposes as having a “0” elevation difference from the BFE. This certification must be submitted with the Flood Insurance Application, and must be accompanied by at least 2 photographs. For non-residential buildings, the photographs must show the floodproofing measures in place. 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. See the Rating section for information on rounding elevations. D. Certification 1. Residential Buildings (With Basements) The Residential Basement Floodproofing Certificate is available for residential buildings with basements located in zones A1–A30, AE, AR, AR Dual, AO, AH, and A with BFE and located in a FEMA-approved community that is listed in the table below. To receive credit for floodproofing, the completed certificate must be submitted. 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 and rescission date, but not on or after the rescission date. 2. Non-Residential Buildings A completed Floodproofing Certificate for Non-Residential Structures is required for all such buildings in Regular Program communities, located in zones A1–A30, AE, AR, AR Dual, AO, AH, and A with BFE, in order to receive credit for floodproofing in lieu of elevation. APPROVED COMMUNITIES FOR RESIDENTIAL BASEMENT FLOODPROOFING RATING CREDIT COMMUNITY NUMBER STATE/COMMUNITY NAME EFFECTIVE DATE1 STATUS2 Alaska 025009 Fairbanks N. Star Borough 2/28/73 Current Idaho 160028 Ammon, City of 6/8/90 Current Iowa 190488 190031 190309 Clive, City of Independence, City of La Porte City, City of 4/24/81 9/7/89 6/12/89 Current Current Current Kansas 200075 200484 200323 200019 200131 200215 200334 200319 200316 200134 Chapman, City of Colwich, City of Derby, City of Great Bend, City of Halstead, City of Lindsborg, City of Rossville, City of Salina, City of Saline County Sedgwick, City of 1/17/86 8/13/08 2/15/833 8/10/83 7/8/83 11/7/94 2/18/92 3/6/86 1/14/86 5/19/863 Current Current Current Current Current Current Current Current Current Current Minnesota 270267 275235 270080 275236 275244 Alvarado, City of Clay County Dilworth, City of East Grand Forks, City of Moorhead, City of 2/28/85 3/28/75 8/29/83 5/15/863 2/12/76 Current Current Current Current Current Minnesota (continued) 270414 270273 270274 Roseau, City of Stephen, City of Warren, City of 7/14/92 5/10/83 9/24/82 Current Current Current Nebraska 310069 310103 310100 310001 310239 310046 310039 310104 Fremont, City of Grand Island, City of Hall County Hastings, City of North Bend, City of Schuyler, City of Sidney, City of Wood River, City of 1/25/79 7/29/80 2/10/80 7/8/83 10/15/98 9/17/91 12/4/84 1/12/82 Current Current Current Current Rescinded 11/1/08 Current Current Current New York 360226 360232 Amherst, Town of Clarence, Town of 11/20/78 8/1/00 Current Current North Dakota 380256 380020 385364 380137 380338 380259 380022 380023 380681 380263 380257 380324 380258 380024 Barnes, Township of Casselton, City of Fargo, City of Grafton, City of Harwood, City of Harwood, Township of Horace, City of Mapleton, City of Oxbow, City of Pleasant, Township of Reed, Township of Reiles Acres, City of Stanley, Township of West Fargo, City of 1/22/82 6/18/81 3/26/753 5/21/81 12/19/85 1/22/82 1/22/82 1/22/823 6/1/923 5/5/83 1/22/82 8/23/82 2/8/82 6/5/78 Current Current Current Current Current Current Current Current Current Current Current Current Current Current South Dakota 460044 Madison, City of 8/30/83 Current Wisconsin 550612 550600 550020 550021 550022 550023 550309 Allouez, Village of Ashwaubenon, Village of Brown County Depere, City of Green Bay, City of Howard, Village of Shiocton, Village of 1/11/933 10/27/78 2/21/793 10/27/78 10/27/78 10/27/78 8/1/98 Current Current Current Current Current Current Current 1 Effective date corresponds to the date of the letter from FEMA that granted the community’s exception request. 2 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 and rescission date, but not on or after the rescission date. 3 The date the community adopted floodproofing ordinances. Preferred Risk Policy I. GENERAL DESCRIPTION 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. ELIGIBILITY REQUIREMENTS A. Flood Zone 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. Loss History 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 (including loans and grants) are considered only if the building sustained flood damage. III. INELIGIBILITY 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 non-residential 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 An eligible risk renews automatically without submission 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. COVERAGE LIMITATIONS The elevated building coverage limitation provisions do not apply to the PRP; however, basement coverage limitations do apply. VII. REPLACEMENT COST COVERAGE 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/ICC PREMIUM 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. 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 TO PRP DUE TO MISRATING 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 ELIGIBILITY EXTENSION 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, OR LOMR 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. The policy may be canceled/rewritten using Cancellation 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. PREFERRED RISK POLICY CONDOMINIUM RATING CHART Residential single-unit building or townhouse-/rowhouse-type building with separate entrance for each unit 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-UNIT RESIDENTIAL BUILDING – 2 TO 4 UNITS PER BUILDING 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 NON-RESIDENTIAL CONTENTS Non-residential Yes (Building coverage not available) Yes Non-residentialcontents-only General Property MULTI-UNIT RESIDENTIAL BUILDING – 5 OR MORE UNITS PER BUILDING 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 NON-RESIDENTIAL CONTENTS Non-residential Yes (Building coverage not available) Yes Non-residentialcontents-only General Property NON-RESIDENTIAL BUILDING PURCHASER OF POLICY Building Occupancy1 Condo Unit Indicator1 PRP Eligibility Rate Table Policy Form OWNER OF NON-RESIDENTIAL 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. PRP COVERAGE LIMITS AVAILABLE EFFECTIVE JANUARY 1, 2011 1–4 FAMILY RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 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 RESIDENTIAL CONTENTS-ONLY COVERAGE1, 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 OTHER RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 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 OTHER RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 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. PRP COVERAGE LIMITS AVAILABLE EFFECTIVE JANUARY 1, 2011 (continued) NON-RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 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-RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 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-RESIDENTIAL CONTENTS-ONLY COVERAGE1, 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. 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 PREFERRED RISK POLICY APPLICATION A. Policy Status 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. Policy Term 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. Agent Information 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. Insured Mailing Address 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. Disaster Assistance 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. F. First 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. G. Second Mortgagee/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. Property Location 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. I. Community 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. 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). 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. 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. 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. 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. Construction Date Check 1 of the 5 boxes in the first part of this section. Enter the appropriate date in the space provided. 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. 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. 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. 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. 1 Floor – excludes unfinished attic; 2 Floors – includes basement, enclosure, crawlspace, and subgrade crawlspace; 3 or More Floors – includes basement, enclosure, crawlspace, and subgrade crawlspace; Split Level – A foundation with a vertical offset in the floor framing on either side of a common wall; 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: 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. 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. 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. 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 – Building Eligibility 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 $5 if this is an application for a condominium 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. Mortgage Portfolio Protection Program 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 THE MPPP 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 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. WYO Arrangement Article III – 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. Use of WYO Company Fees for Lenders/Servicers or Others 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. Source of Offering The force-placement capability will be offered by the WYO Companies only and not by the NFIP Servicing Agent. G. Dual Interest 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. Term of Policy NFIP policies written under the MPPP will be for a term of 1 year only (subject to the renewal notification process). I. Coverage Offered 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. Policy Form 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. Waiting Period The NFIP rules for the waiting period and effective dates apply to the MPPP. L. Premium Payment 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. The rates charged for this policy may be considerably 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 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. Policy Reformation – Policy Correction 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. Federal Policy Fee 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. Assignment to a Third Party 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. Article XIII – Restriction on Other Flood Insurance 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. Y. Participating WYO Companies 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. General Change Endorsement The National Flood Insurance Program (NFIP) General Change Endorsement form cannot be used to renew a policy, or extend or change a policy term. 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. ENDORSEMENT RULES A. Coverage Endorsements 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 term. The additional premium is calculated pro rata for the balance of the policy term, 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. 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. 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. Rating Endorsements 1. Rate Reduction It is not permissible to revise a policy’s rating during a policy term, 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 failure of the insurer to: Use the map grandfather rule. Use 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 the Federal Emergency Management Agency (FEMA) Special Rates (see the Rating section). The endorsement effective date is the date that FEMA provided the rates. Make a timely revision of alternative rates (rates used for Pre-FIRM rated risks where the zone is unknown). Use Post-FIRM rating for a Pre-FIRM structure. 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 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 term. 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 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 terms, such revisions may also be made effective with the start of the policy term. Map Revision A map change (reprinting, Letter of Map Amendment [LOMA], Letter of Map Revision [LOMR], or Letter of Determination Review [LODR]) may change the flood zone in which a property is located to a lower-rated zone, or it may change the Base Flood Elevation (BFE). In such cases, the policy rating may be revised for the current and prior policy years if the change occurred prior to the current policy year. Before processing the endorsement, the agent/producer should check the Flood Map Status Information Service to make sure that the LOMA, LOMR, or LODR 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. Misrated Policy Premium refunds will be allowed with proper documentation (see III.B.2.a.) going back a maximum of 6 calendar years when there was a misrating such as an incorrect building description, lowest floor elevation, community number, flood zone, or BFE, so long as the insured can provide proof of the misrating. The flood zone and BFE can only be corrected using the current Flood Insurance Rate Map (FIRM). Any lapse in coverage does not extend the number of years the premium refund is allowed. D. Conversion of Standard-Rated Policy to PRP Due to Misrating or Map Revision 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 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 rewritten. When the 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. 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 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. Changing Deductibles Increasing deductibles is permitted during the current policy term. (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. Correcting Property Address A policy cannot be endorsed to change the location. This includes relocation from 1 unit to another unit in the same building. However, an erroneous address (e.g., through typographical error) can be corrected through endorsement. The agent/producer must provide proof of or a reasonable explanation for the error. II. ENDORSEMENT PROCESSING PRIOR TO POLICY RENEWAL (NFIP DIRECT BUSINESS ONLY) A. During the Last 90 Days of Policy Term 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 term. 2. If the original Renewal Notice has not been paid, the payor may use the revised Renewal Notice or subsequent Final Notice. B. During the Last 75 Days of Policy Term 1. If the original Renewal Notice has not been paid, the agent/producer must submit the General Change Endorsement for the current policy term only and submit a renewal Application for the upcoming term. 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.) 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 term and, if applicable, a separate General Change Endorsement and additional premium for the remainder of the current policy term. 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. Refunds Generated from Endorsement Processing 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 term, 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. PREPARATION OF FORM A. General Instructions 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 term cannot be changed. All calculations must reflect the policy term 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. Refund Processing Procedures 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 year. Agents/producers submit refund requests to their insurer. 2. Requests for refunds for more than 2 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 years. At a minimum, this documentation will consist of the following: 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. An endorsement request for each year and the premium refund calculation for each 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 community official; an EC 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. In order for the NFIP Bureau to process a refund request, the appropriate documentation must be mailed directly to: NFIP Bureau and Statistical AgentUnderwriting Department8400 Corporate Dr., Suite 350 Landover, MD 20785 3. 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. Any lapse in coverage does not extend the number of years the premium refund is allowed. The NFIP Bureau will return to the sender any unauthorized refund requests for more than 2 years. IV. ENDORSEMENT RATING EXAMPLES TABLE OF CONTENTS EXAMPLE PAGE Example 1 Increasing Coverage on a Preferred Risk Policy END 6 Example 2 Increasing Coverage, Program Conversion END 7 Example 3 Increasing Coverage END 8 Example 4 Increasing Coverage After a Rate Change END 9 Example 5 Reducing Building Coverage END 10 Example 6 Removing Contents END 11 Example 7 Increasing Deductible END 12 EXAMPLE 1 INCREASING COVERAGE ON A PREFERRED RISK POLICY Policy term is October 15, 2010–2011. Pre-FIRM, X-Zone, with basement. Present coverage: Building $75,000/Contents $30,000. Premium at policy effective date was $267. Endorsement effective date is May 2, 2011. Coverages added are $125,000 on the building and $50,000 on the contents for a total of $200,000 on the building and $80,000 on the contents. Rates in effect on the effective date of the policy are to be used in calculating the premiums. The Difference between these 2 premiums is $111. Prorate the Difference. Time period is May 2, 2011, to October 15, 2011;Number of days is 166;Pro-rata factor is .455 INSURANCE COVERAGE SECTION A CURRENT COVERAGE SECTION B INCREASED/DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC $75,000 — $267 $125,000 — $378 $378 BUILDING ADDITIONAL — — — — — — — CONTENTS BASIC $30,000 — — $50,000 — — — CONTENTS ADDITIONAL — — — — — — — IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: CREDIT CARD OTHER: SUBTOTAL $378 BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE — BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL $378 — — $200,000 — — $80,000 ICC PREMIUM — IF RETURN PREMIUM, MAIL REFUND TO: INSURED AGENT PAYOR. 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. SUBTOTAL $378 CRS PREMIUM DISCOUNT ____% — SUBTOTAL $378 PREMIUM PREVIOUSLY PAID(Excludes Probation Surcharge/ Federal Policy Fee) $267 SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) DIFFERENCE + (+/-) +$111 PRO-RATA FACTOR .455 TOTAL (+/-) +$ 51 EXAMPLE 2 INCREASING COVERAGE, PROGRAM CONVERSION Policy term is January 15, 2011–2012. Single-family dwelling, no basement, Pre-FIRM. Present coverage: Building $35,000/Contents $10,000. Policy conversion date from Emergency to Regular Program: July 15, 2011. Building located in an A99 Zone. Premium rates are: Building .86/.23, Contents 1.32/.41. Endorsement effective date is October 14, 2011. (The Emergency Program premiums that already exist on this policy are earned for the remainder of the policy term; they are not refundable.) The coverages being added are $50,000 on the building and $15,000 on the contents for a total of $85,000 on the building and $25,000 on the contents; and $30,000 coverage for ICC. To increase coverage, complete Sections A and B. Section A is for current coverage; Section B should show only the amounts of the increases. $15,000 of the $50,000 coverage to be added on the building must be calculated in the “Amount” column under Section B, “Increased-Decreased Coverage Only” (using the applicable rate) to amend the present coverage to the threshold for the Regular Program basic limits. $10,000 of the $15,000 coverage to be added on the contents must be calculated under the “Amount” column under Section B, “Increased-Decreased Coverage Only” (using the applicable rate) to amend the present coverage to the threshold for the Regular Program basic limits. Add Sections A and B premiums to obtain the New Premium Subtotals. Add the ICC Premium, which was not paid in the Emergency Program. The Premium Previously Paid is $362 (excluding ICC/Probation Surcharge/Federal Policy Fee). Subtract the Premium Previously Paid from the Premium Total to obtain the Difference (additional/return premium). Prorate the Difference. Time period is October 14, 2011, to January 15, 2012;Number of days is 93;Pro-rata factor is .255 INSURANCE COVERAGE SECTION A CURRENT COVERAGE SECTION B INCREASED/DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC $35,000 .76 $266 $25,000 .86 $215 $481 BUILDING ADDITIONAL — — — $25,000 .23 $ 58 $ 58 CONTENTS BASIC $10,000 .96 $96 $15,000 1.32 $198 $294 CONTENTS ADDITIONAL — — — — — — — IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: CREDIT CARD OTHER: SUBTOTAL $833 BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE — BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL $833 $60,000 $25,000 $85,000 $25,000 — $25,000 ICC PREMIUM $ 5 IF RETURN PREMIUM, MAIL REFUND TO: INSURED AGENT PAYOR. 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. SUBTOTAL $838 CRS PREMIUM DISCOUNT ____% — SUBTOTAL $838 PREMIUM PREVIOUSLY PAID(Excludes Probation Surcharge/ Federal Policy Fee) $362 DIFFERENCE + (+/-) +$476 SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO-RATA FACTOR .255 TOTAL (+/-) +$121 EXAMPLE 3 INCREASING COVERAGE Policy term is December 12, 2010–2011. Single-family dwelling, no basement. Pre-FIRM Building. Building located in Zone C. Present coverage: Building $35,000/Contents $10,000. Endorsement is effective on October 1, 2011, to add additional coverage of $65,000 on the building and $15,000 on the contents for a total of $100,000 building coverage and $25,000 contents coverage. Premium rates are: Building .86/.23, Contents 1.32/.41. To increase coverage, complete Sections A and B. Section A is for current coverage. Section B should show the amount of the coverage increase only. $25,000 of the $60,000 coverage to be added on the building must be calculated in the “Amount” column under Section B, “Increased-Decreased Coverage Only” (using the applicable rate) to amend the present coverage to the threshold for the Regular Program basic limits. $10,000 of the $15,000 coverage to be added on the contents must be calculated under the “Amount” column under Section B, “Increased-Decreased Coverage Only” (using the applicable rate) to amend the present coverage to the threshold for the Regular Program basic limits. Add Section A and B premiums to obtain the New Premium Totals. Add the New Premium Totals to calculate the Premium Subtotal. Add in the ICC Premium. The Premium Previously Paid is $438 (excluding Probation Surcharge/Federal Policy Fee), which is the total current annual premium including ICC Premium. Subtract the Premium Previously Paid from the Premium Total to obtain the Difference (should be additional/return premium). Prorate the Difference. Time period is October 1, 2011,to December 12, 2011;Number of days is 72;Pro-rata factor is .197 INSURANCE COVERAGE SECTION A CURRENT COVERAGE SECTION B INCREASED/DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC $35,000 .86 $301 $25,000 .86 $215 $516 BUILDING ADDITIONAL — — — $40,000 .23 $ 92 $ 92 CONTENTS BASIC $10,000 1.32 $132 $15,000 1.32 $198 $330 CONTENTS ADDITIONAL — — — — — — — IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: CREDIT CARD OTHER: SUBTOTAL $938 BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE — BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL $938 $60,000 $40,000 $100,000 $25,000 — $25,000 ICC PREMIUM $ 5 IF RETURN PREMIUM, MAIL REFUND TO: INSURED AGENT PAYOR. 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. SUBTOTAL $943 CRS PREMIUM DISCOUNT ____% — SUBTOTAL $943 PREMIUM PREVIOUSLY PAID(Excludes Probation Surcharge/ Federal Policy Fee) $438 DIFFERENCE + (+/-) +$505 SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO-RATA FACTOR .197 TOTAL (+/-) +$ 99 EXAMPLE 4 INCREASING COVERAGE AFTER A RATE CHANGE Policy term is April 15, 2011–2012. Single-family dwelling, Regular Program. 1 floor, no basement. Current policy limits: Building $30,000/Contents $8,000. Building located in an AE Zone, Post-FIRM. Premium rates are: Building 1.60, Contents 1.18. Post-FIRM construction with a 0 elevation difference. Endorsement effective date is October 15, 2011. The coverages being added are $15,000 on the building and $7,000 on contents for a total of $45,000 building coverage and $15,000 contents coverage. A rate increase takes effect on October 1, 2011. Rates in effect on the effective date of the policy are to be used. In Section A, enter the basic limits and rates for building and contents in effect at the beginning of the policy term. In Section B, enter the $15,000 basic building amount, and the applicable rate (1.60). (See page END 1, “Additional Coverage or Increase in Amount of Insurance.” Companies are allowed to use either rates in effect at policy inception or rates in effect at endorsement effective date.) In Section B, enter the $7,000 basic contents amount and the applicable rate (1.18). Add Sections A and B premiums to obtain the New Premium Totals. Add the New Premium Totals to calculate the Premium Subtotal. Add in the ICC Premium. The Premium Previously Paid is $579 (excluding Probation Surcharge/Federal Policy Fee), which is the total current annual premium including ICC Premium. Subtract the Premium Previously Paid from the Premium Total to obtain the Difference (should be additional/return premium). Prorate the Difference. Time period is October 15, 2011,to April 15, 2012;Number of days is 182;Pro-rata factor is .499 INSURANCE COVERAGE SECTION A CURRENT COVERAGE SECTION B INCREASED/DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC $30,000 1.60 $480 $15,000 1.60 $240 $720 BUILDING ADDITIONAL — — — — — — — CONTENTS BASIC $ 8,000 1.18 $ 94 $ 7,000 1.18 $ 83 $177 CONTENTS ADDITIONAL — — — — — — — IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: CREDIT CARD OTHER: SUBTOTAL $897 BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE — BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL $897 $45,000 — $45,000 $15,000 — $15,000 ICC PREMIUM $ 5 IF RETURN PREMIUM, MAIL REFUND TO: INSURED AGENT PAYOR. 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. SUBTOTAL $902 CRS PREMIUM DISCOUNT ____% — SUBTOTAL $902 PREMIUM PREVIOUSLY PAID(Excludes Probation Surcharge/ Federal Policy Fee) $579 DIFFERENCE + (+/-) +$323 SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO-RATA FACTOR .499 TOTAL (+/-) +$161 EXAMPLE 5 REDUCING BUILDING COVERAGE Policy term is December 1, 2010–2011. Single-family dwelling, with basement. Regular Program, Zone B, Post-FIRM. Policy limits: Building $150,000/Contents $0. A wing of the building was destroyed by fire on July 1, 2011, and the building was repaired without the wing, reducing the value of the dwelling to $100,000. (This explanation should be recorded in the Reason for Change section of the General Change Endorsement form.) Present rates are: Building .98/.33. Endorsement effective date is July 1, 2011. In Section A, enter the basic building amount ($60,000) and the applicable rate (.98). In Section B, enter the new additional building amount at the same rate of .33. Add Sections A and B to obtain the New Premium Totals. Add the New Premium Totals to obtain the Premium Subtotal. The Premium Previously Paid is $890 (excluding Probation Surcharge/Federal Policy Fee), which is the total current annual premium including ICC Premium. Add in the ICC Premium. Subtract the Premium Previously Paid from the Premium Total to obtain the Difference (should be additional/return premium). Prorate the Difference. Time period is July 1, 2011,to December 1, 2011;Number of days is 153;Pro-rata factor is .419 INSURANCE COVERAGE SECTION A CURRENT COVERAGE SECTION B INCREASED/DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC $60,000 .98 $588 — — — $588 BUILDING ADDITIONAL $90,000 .33 $297 -$50,000 .33 -$165 $132 CONTENTS BASIC — — — — — — — CONTENTS ADDITIONAL — — — — — — — IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: CREDIT CARD OTHER: SUBTOTAL $720 BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE — BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL $720 $60,000 $40,000 $100,000 — — — ICC PREMIUM $ 5 IF RETURN PREMIUM, MAIL REFUND TO: INSURED AGENT PAYOR. 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. SUBTOTAL $725 CRS PREMIUM DISCOUNT ____% — SUBTOTAL $725 PREMIUM PREVIOUSLY PAID(Excludes Probation Surcharge/ Federal Policy Fee) $890 DIFFERENCE + (+/-) -$165 SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO-RATA FACTOR .419 TOTAL (+/-) -$69 EXAMPLE 6 REMOVING CONTENTS Policy term is November 20, 2010–2011. Non-residential structure. Emergency Program. Policy limits: Building $100,000/Contents $100,000. Insured purchased a new business location and moved the contents to the new location while still retaining the old location as rental property. (This explanation should be recorded in the Reason for Change section of the General Change Endorsement form.) Present rates are: Building .83, Contents 1.62. Removal date and effective date of change is January 14, 2011. Enter the current building and contents coverages in Section A and the current rates (.83/1.62). Enter the decrease in contents coverage in Section B. Add all New Premium Totals to obtain the Premium Subtotal. The Premium Previously Paid is $2,450 (excluding Probation Surcharge/Federal Policy Fee), which is the total current premium from Section A. Subtract the Premium Previously Paid from the Premium Total to obtain the Difference (should be additional/return premium). Prorate the Difference. Time period is January 14, 2011,to November 20, 2011;Number of days is 310;Pro-rata factor is .849 INSURANCE COVERAGE SECTION A CURRENT COVERAGE SECTION B INCREASED/DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC $100,000 .83 $ 830 — — — $ 830 BUILDING ADDITIONAL — — — — — — — CONTENTS BASIC $100,000 1.62 $1,620 -$100,000 1.62 -$1,620 — CONTENTS ADDITIONAL — — — — — — — IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: CREDIT CARD OTHER: SUBTOTAL $ 830 BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE — BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL $ 830 — — $100,000 — — — ICC PREMIUM — IF RETURN PREMIUM, MAIL REFUND TO: INSURED AGENT PAYOR. 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. SUBTOTAL $ 830 CRS PREMIUM DISCOUNT ____% — SUBTOTAL $ 830 PREMIUM PREVIOUSLY PAID(Excludes Probation Surcharge/ Federal Policy Fee) $2,450 DIFFERENCE — (+/-) -$1,620 SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO-RATA FACTOR .849 TOTAL (+/-) -$1,375 EXAMPLE 7 INCREASING DEDUCTIBLE Policy term is January 15, 2011–2012. Single-family dwelling. Emergency Program (Pre-FIRM). Current policy limits: Building $35,000/Contents $10,000. Policy deductible: $2,000/$2,000. Insured requests to increase deductible to $4,000/$2,000 (.900), effective April 15, 2011. (This explanation should be recorded in the Reason for Change section of the General Change Endorsement form.) Present rates are: Building .76, Contents .96. Enter the current building and contents coverage in Section A, and enter the applicable rates. Add Sections A and B to obtain the New Premium Totals. Add the New Premium Totals to obtain the Premium Subtotal. The Premium Previously Paid is $362 (excluding ICC*, and Probation Surcharge/Federal Policy Fee), which is the total current annual premium from Section A. Calculate the Deductible Discount amount and enter that amount in the block marked Difference. Prorate the Difference. Time period is April 15, 2011,to January 15, 2012;Number of days is 275;Pro-rata factor is .753 * ICC is not available in the Emergency Program. INSURANCE COVERAGE SECTION A CURRENT COVERAGE SECTION B INCREASED/DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC $35,000 .76 $266 — — — $266 BUILDING ADDITIONAL — — — — — — — CONTENTS BASIC $10,000 .96 $96 — — — $ 96 CONTENTS ADDITIONAL — — — — — — — IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: CREDIT CARD OTHER: SUBTOTAL $362 BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE -$ 36 BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL $326 — — — — — — ICC PREMIUM — IF RETURN PREMIUM, MAIL REFUND TO: INSURED AGENT PAYOR. 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. SUBTOTAL $326 CRS PREMIUM DISCOUNT ____% — SUBTOTAL $326 PREMIUM PREVIOUSLY PAID(Excludes Probation Surcharge/ Federal Policy Fee) $362 DIFFERENCE — (+/-) -$ 36 SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO-RATA FACTOR .753 TOTAL (+/-) -$ 27 POLICY RENEWAL I. GENERAL INFORMATION 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. RENEWAL NOTICE 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.” A. Renewing for the Same Coverage – Option A Option A of the Renewal Notice shows current amounts of insurance and deductibles at the time the Renewal Notice is printed. B. Inflation Factor – Option B 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. Nonrenewal and Cancellation 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. PREMIUM PAYMENT DUE 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. 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. FINAL NOTICE 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. RENEWAL EFFECTIVE DATE DETERMINATION 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. INSUFFICIENT RENEWAL INFORMATION To generate Renewal Notices and Final Notices, the insurer must have received acceptable application 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. ENDORSEMENTS DURING RENEWAL CYCLE 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. SEVERE REPETITIVE LOSS PROPERTIES 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. Transfer of Business at Renewal 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. SUMMARY OF POLICY NOTICES NOTICES INSURED AGENT/Producer MORTGAGEE RENEWAL NOTICE 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. FINAL NOTICE 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. POLICY DECLARATIONS PAGE Not shown NFIP mails policy declarations page. NFIP mails policy declarations page. NFIP mails policy declarations page. POLICY RENEWAL I. GENERAL INFORMATION 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. RENEWAL NOTICE 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.” A. Renewing for the Same Coverage – Option A Option A of the Renewal Notice shows current amounts of insurance and deductibles at the time the Renewal Notice is printed. B. Inflation Factor – Option B 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. Nonrenewal and Cancellation 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. PREMIUM PAYMENT DUE 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. 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. FINAL NOTICE 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. RENEWAL EFFECTIVE DATE DETERMINATION 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. INSUFFICIENT RENEWAL INFORMATION To generate Renewal Notices and Final Notices, the insurer must have received acceptable application 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. ENDORSEMENTS DURING RENEWAL CYCLE 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. SEVERE REPETITIVE LOSS PROPERTIES 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. Transfer of Business at Renewal 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. SUMMARY OF POLICY NOTICES NOTICES INSURED AGENT/Producer MORTGAGEE RENEWAL NOTICE 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. FINAL NOTICE 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. POLICY DECLARATIONS PAGE Not shown NFIP mails policy declarations page. NFIP mails policy declarations page. NFIP mails policy declarations page. CLAIMS I. INSURED’S RESPONSIBILITIES A. Filing a 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. Appealing a 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. 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 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’S RESPONSIBILITIES 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, in major flooding disasters, the Flood Insurance 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 authorized by the NFIP, will delay the adjustment process 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. SINGLE ADJUSTER PROGRAM IMPLEMENTATION A. Schedule and Notification 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. 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/Producer Responsibilities 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. INCREASED COST OF COMPLIANCE (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 F300 and F-663 (http://www.fema.gov/business/nfip/libfacts.shtm). 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 are 3 policy forms – the Dwelling Form, the General 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). 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 $2,500. 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 2 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 selfpropelled 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. 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 direct physical loss by or from flood 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. Base Flood. A flood having a one percent chance of being equaled or exceeded in any given year. 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 Declarations Page 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. 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. 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 National Flood Insurance Program. 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. 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 loadbearing 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; 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 under Coverage A only: a. Awnings and canopies; b. Blinds; c. Built-in dishwashers; d. Built-in microwave ovens; e. Carpet permanently installed over unfinished 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; (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 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, 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. If you are a tenant and have insured personal 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. 2. Loss Avoidance Measures 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. 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 direct physical loss by or from flood during 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. COVERAGE D - INCREAS ED 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 10- year 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 flooddamaged 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 flooddamaged 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 flooddamaged 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 building is 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 (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 selfpropelled 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 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; (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 direct physical loss by or from flood 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 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, minus its depreciation; or 2. The 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 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 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; 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. 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 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 (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. 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 singlefamily dwelling purposes. 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 this edition of our policy, but does not require any additional premium, then that change will automatically apply to your insurance as of the date we implement the change, provided that this implementation date falls within 60 days before, or during, the policy term stated on the Declarations Page. IX. WHAT LAW GOVERNS This policy and all disputes arising from the handling of any claim under the policy are governed exclusively by the flood insurance regulations issued by FEMA, the National Flood Insurance Act of 1968, as amended (42 U.S.C. 4001, et seq.), and Federal common law. ____________________________________________________________________________________________________ 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 ______________________________________________________________________________________ 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 NFIPapproved 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. (08/09) This page is intentionally left blank. 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 selfpropelled 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. 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. 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. Section V. 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). 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 direct physical loss by or from flood 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. 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 Declarations Page 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 National Flood Insurance Program. 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 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 condominium building 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 loadbearing 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. 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. 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. 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 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, 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. 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 replacement cost 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. COVERAGE D - INCREAS ED 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 10- year 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 flooddamaged 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 flooddamaged 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 flooddamaged 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 building is 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, flood-proofed, 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: 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 selfpropelled 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 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 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 direct physical loss by or from flood to 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 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 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. 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. 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: 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 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: (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. VIII. LIBERALIZATION CLAUSE If we make a change that broadens your coverage under this edition of our policy, but does not require any additional premium, then that change will automatically apply to your insurance as of the date we implement the change, provided that this implementation date falls within 60 days before, or during, the policy term stated on the Declarations Page. IX. WHAT LAW GOVERNS This policy and all disputes arising from the handling of any claim under the policy are governed exclusively by the flood insurance regulations issued by FEMA, the National Flood Insurance Act of 1968, as amended (42 U.S.C. 4001, et seq.), and Federal common law. ____________________________________________________________________________________________________ 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 _____________________________________________________________________________________ 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. (08/09) RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY 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, 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 selfpropelled 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. 8. 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 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. 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. 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. 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 direct physical loss by or from flood 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. 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 Declarations Page 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 National Flood Insurance Program. This fee covers expenses not covered by the expense constant. 17. Improvements. Fixtures, alterations, installations, or additions comprising a part of the residential condominium building, 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. 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 Declarations Page at the described location, 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 loadbearing 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. 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 condominium association 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. 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 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, 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. 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 - INCREAS ED 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 10- year 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 flooddamaged 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 flooddamaged 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 flooddamaged 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 building is 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 a. Increased Cost of Compliance coverage will not be included in the calculation to determine whether coverage meets the coinsurance requirement for replacement cost coverage under VIII. General Conditions, V. Loss Settlement. b. All other conditions and provisions of the 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 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 selfpropelled 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; 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 direct physical loss by or from flood 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. 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. 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 X .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. 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. 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 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 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 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 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; 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 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 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. IX. LIBERALIZATION CLAUSE If we make a change that broadens your coverage under this edition of our policy, but does not require any additional premium, then that change will automatically apply to your insurance as of the date we implement the change, provided that this implementation date falls within 60 days before, or during, the policy term stated on the Declarations Page. X. WHAT LAW GOVERNS This policy and all disputes arising from the handling of any claim under the policy are governed exclusively by the flood insurance regulations issued by FEMA, the National Flood Insurance Act of 1968, as amended (42 U.S.C. 4001, et seq.), and Federal common law. ____________________________________________________________________________________________________ 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 _____________________________________________________________________________________ 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 NFIPapproved 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) FLOOD MAPS 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. Types of Flood Maps 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. Map Information 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. Communities with Unpublished Maps 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. Unmapped Areas in Communities with Maps 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. MAP ZONES A. Special Flood Hazard Areas 1. Zone A The lowest floor elevation is required and the Base Flood Elevations (BFEs) are not provided. 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, Minimal Hazard Areas 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. LOCATING A SPECIFIC PROPERTY ON A MAP 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. CHANGING OR CORRECTING A FLOOD MAP There are 3 procedures: A. Letter of Map Amendment (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. 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 Out-As-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. Letter of Map Revision (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. Physical Map Revision 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. ORDERING FLOOD MAPS 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. Ordering Instructions 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. 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 1-800-358-9620. Checks should be made payable to “NFIP” and mailed to the address shown at the beginning of “V. Ordering Flood Maps.” C. Map Revisions 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. Provisional rating I. GENERAL DESCRIPTION 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. ELIGIBILITY REQUIREMENTS 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 Zones AE, A1–A30, AO, or AH, or 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. Endorsement Procedure 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.” IV. NOTIFICATION REQUIREMENTS 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. General Directions 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 on Fill 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. NATIONAL FLOOD INSURANCE PROGRAMPROVISIONAL RATING QUESTIONNAIRE 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. VI. PROVISIONAL RATING EXAMPLE REGULAR PROGRAM, POST-FIRM CONSTRUCTION Data Essential to Determine Appropriate Rates and Premium: Regular Program: 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 Determined Rates: Building: 2.40/.66 Contents: 1.29/.13 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) DEDUCTIBLE BASIC AND ADDITIONAL TOTALPREMIUM COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OFINSURANCE RATE ANNUALPREMIUM 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 Premium Calculation: 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 SAMPLE NOTICE TO ACCOMPANY PROVISIONALLY RATED POLICIES 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. Coastal Barrier Resources Act 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: A legally valid building permit for the construction of the building was issued prior to November 16, 1990; and The actual start of construction of the building was prior to November 16, 1990; and The building was not substantially improved or substantially damaged on or after November 16, 1990. For OPAs: A legally valid building permit for the construction of the building was issued prior to November 16, 1991; and A building in an OPA was built (walled and roofed) no later than November 16, 1991; and The building was not substantially improved or substantially damaged after November 16, 1991. OR 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, the following types of documentation must be submitted 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 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. 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: 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 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. 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: 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. 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 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 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 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 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 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 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 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 Community Rating System I. GENERAL DESCRIPTION The Community Rating System (CRS) is a voluntary program for National Flood Insurance Program (NFIP) participating communities. (See Table 2.) The goals of the CRS are to reduce flood damages to insurable property, strengthen and support the insurance aspects of the NFIP, and encourage a comprehensive approach to floodplain management. The CRS has been developed to provide incentives in the form of premium discounts for communities to go beyond the minimum floodplain management requirements to develop extra measures to provide protection from flooding. II. ELIGIBILITY For a community to be eligible, it must be in full compliance with the NFIP and be in the Regular phase of the program. The following categories are not eligible for CRS premium discounts: Emergency Program communities Preferred Risk Policies Mortgage Portfolio Protection Program policies Post-FIRM structures located in a Special Flood Hazard Area (SFHA) where the lowest floor elevation used for rating is at least 1 foot or more below the Base Flood Elevation (BFE), with the following exceptions: Post-FIRM V-Zone buildings with unfinished breakaway wall enclosures and machinery or equipment at or above the BFE; and Subgrade crawlspaces with certification from a community official. The subgrade crawlspace exception must be certified by a community official letter containing the following statement: “I certify that the building located at [address] has a crawlspace that was built in compliance with the NFIP requirements for crawlspace construction as outlined in FEMA Technical Bulletin 11-01, Crawlspace Construction for Buildings Located in Special Flood Hazard Areas.” III. CLASSIFICATIONS AND DISCOUNTS All communities start out with a Class 10 rating (which provides no discount). There are 10 CRS classes: Class 1 requires the most credit points and gives the greatest premium discount; Class 10 identifies a community that does not apply for the CRS, or does not obtain a minimum number of credit points and receives no discount. There are 18 activities recognized as measures for eliminating exposure to floods. Credit points are assigned to each activity. The activities are organized under 4 main categories: Public Information, Mapping and Regulation, Flood Damage Reduction, and Flood Preparedness. Once a community applies to the appropriate Federal Emergency Management Agency (FEMA) region for the CRS program and its implementation is verified, FEMA sets the CRS classification based upon the credit points. This classification determines the premium discount for policyholders. Premium discounts ranging from 5% to a maximum of 45% will be applied to eligible policies written in a community as recognition of the floodplain management activities instituted. Table 1 shows premium discounts for CRS Classes 1–10 within different flood zones. IV. CRS ACTIVITIES THAT CAN DIRECTLY BENEFIT INSURANCE AGENTS/Producers Certain activities credited under the CRS provide direct benefit to agents/producers writing flood insurance. All CRS communities must maintain completed FEMA elevation and floodproofing certificates for all new and substantially improved construction in the SFHA after the date of application for CRS classification. These certificates must be available upon request. Therefore, in writing a policy, an agent/producer should be able to get these certificates from any CRS community. In addition, some CRS communities receive credit for having completed certificates for Post-FIRM buildings constructed prior to the CRS application date. If they do receive this credit, then these certificates should also be available to agents/producers writing flood insurance. The community may charge a fee for copying certificates. Many CRS communities receive credit for providing inquirers with information from the community’s Flood Insurance Rate Map (FIRM). This includes a property’s flood risk zone and the BFE. The service must be publicized once a year. If a community is receiving this credit, then agents/producers should be able to use the service. A fee may be charged for the service. TABLE 1. CRS PREMIUM DISCOUNTS CLASS DISCOUNT CLASS DISCOUNT 1 2 3 4 5 45% 40% 35% 30% 25% 6 7 8 9 10 20% 15% 10% 5% — SFHA (Zones A, AE, A1–A30, V, V1–V30, AO, and AH): Discount varies depending on class. SFHA (Zones A99, AR, AR/A, AR/AE, AR/A1–A30, AR/AH, and AR/AO): 10% discount for Classes 1–6; 5% discount for Classes 7–9.* Non-SFHA (Zones B, C, X, D): 10% discount for Classes 1–6; 5% discount for Classes 7–9. * In determining CRS Premium Discounts, all AR and A99 Zones are treated as non-SFHAs. TABLE 2. COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY Number COMMUNITY NAME CRSENTRY Date CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA STATUS2 Alabama 010146 Athens, City of 10/1/91 10/1/98 10 0 0 R 010071 Atmore, City of 05/1/02 05/1/02 8 10 5 C 015000 Baldwin County 10/1/95 10/1/08 7 15 5 C 010116 Birmingham, City of 10/1/94 10/1/10 8 10 5 C 010418 Dauphin Island, Town of 04/1/01 04/1/01 8 10 5 C 010176 Decatur, City of 10/1/91 10/1/05 10 0 0 R 015005 Gulf Shores, Town of 10/1/93 10/1/93 9 5 5 C 015006 Homewood, City of 10/1/01 10/1/01 9 5 5 C 010123 Hoover, City of 10/1/91 10/1/91 9 5 5 C 010153 Huntsville, City of 10/1/91 05/1/03 7 15 5 C 015007 Mobile, City of 10/1/92 10/1/93 10 0 0 R 015011 Orange Beach, City of 10/1/91 10/1/07 7 15 5 C 010189 Pell City, City of 10/1/92 10/1/92 9 5 5 C 010002 Prattville, City of 10/1/91 05/1/08 8 10 5 C 010070 Wetumpka, City of 10/1/91 10/1/91 9 5 5 C Alaska 020005 Anchorage, Municipality of 10/1/95 10/1/09 6 20 10 C 020012 Kenai Peninsula, Borough of 04/1/00 04/1/00 8 10 5 C 020003 Ketchikan Gateway Borough 10/1/05 10/1/05 9 5 5 C 020069 Nome, City of 10/1/05 10/1/07 8 10 5 C 020113 Seward, City of 10/1/05 10/1/10 7 15 5 C 020094 Valdez, City of 10/1/92 10/1/09 8 10 5 C Arizona 040013 Benson, Town of 10/1/91 10/1/92 10 0 0 R 040014 Bisbee, City of 10/1/91 10/1/92 10 0 0 R 040131 Camp Verde, Town of 10/1/91 05/1/11 7 15 5 C 040080 Casa Grande, City of 10/1/91 05/1/11 9 5 5 C 040040 Chandler, City of 10/1/91 05/1/04 7 15 5 C 040094 Chino Valley, Town of 10/1/91 10/1/11 10 0 0 R 040095 Clarkdale, Town of 10/1/91 05/1/11 7 15 5 C 040012 Cochise County 10/1/91 10/1/91 9 5 5 C 040019 Coconino County 10/1/91 10/1/99 8 10 5 C 040061 Dewey-Humboldt, Town of 10/1/07 05/1/11 7 15 5 C 040020 Flagstaff, City of 10/1/91 10/1/07 7 15 5 C 040028 Gila County 10/1/91 10/1/92 10 0 0 R 040044 Gilbert, Town of 10/1/91 10/1/92 8 10 5 C 040045 Glendale, City of 10/1/91 05/1/10 7 15 5 C 040067 Holbrook, City of 10/1/95 10/1/00 8 10 5 C 040037 Maricopa County 10/1/91 05/1/02 5 25 10 C 040048 Mesa, City of 10/1/91 04/1/98 10 0 0 R 040058 Mohave County 10/1/95 05/1/10 7 15 5 C 040066 Navajo County 10/1/92 05/1/08 8 10 5 C 040051 Phoenix, City of 10/1/92 10/1/02 6 20 10 C 040073 Pima County 10/1/91 05/1/07 5 25 10 C 040098 Prescott, City of 10/1/91 05/1/11 7 15 5 C 040090 Santa Cruz County 10/1/03 05/1/08 7 15 5 C 045012 Scottsdale, City of 10/1/91 10/1/07 6 20 10 C 040130 Sedona, City of 10/1/91 05/1/11 8 10 5 C 040069 Show Low, City of 10/1/91 05/1/10 8 10 5 C 040054 Tempe, City of 10/1/91 05/1/02 8 10 5 C Arizona (continued) 040076 Tucson, City of 10/1/91 10/1/07 6 20 10 C 040056 Wickenburg, Town of 10/1/92 10/1/07 10 0 0 R 040031 Winkelman, Town of 10/1/91 10/1/95 10 0 0 R 040093 Yavapai County 10/1/91 10/1/07 7 15 5 C Arkansas 050029 Arkadelphia, City of 10/1/91 10/1/05 8 10 5 C 050192 Benton, City of 10/1/93 10/1/93 9 5 5 C 050419 Benton County 05/1/05 05/1/05 8 10 5 C 050012 Bentonville, City of 10/1/92 10/1/02 8 10 5 C 050140 Blytheville, City of 10/1/95 10/1/95 9 5 5 C 050046 Bono, City of 10/1/92 05/1/02 8 10 5 C 050308 Bryant, City of 10/1/92 10/1/92 9 5 5 C 050433 Garland County 10/1/93 10/1/93 9 5 5 C 050168 Helena, City of 10/1/93 10/1/99 10 0 0 R 050084 Hot Springs, City of 10/1/93 10/1/06 8 10 5 C 050180 Jacksonville, City of 10/1/94 10/1/04 8 10 5 C 050048 Jonesboro, City of 10/1/92 10/1/92 9 5 5 C 050181 Little Rock, City of 10/1/91 10/1/11 7 15 5 C 050088 Malvern, City of 10/1/91 10/1/96 10 0 0 R 050109 Pine Bluff, City of 10/1/94 10/1/95 10 0 0 R 050053 Van Buren, City of 05/1/09 05/1/09 9 5 5 C 050055 West Memphis, City of 10/1/92 10/1/02 8 10 5 C California 060001 Alameda County 10/1/92 10/1/99 7 15 5 C 060213 Anaheim, City of 10/1/91 05/1/07 8 10 5 C 060714 Clearlake, City of 05/1/03 10/1/08 10 0 0 R 065022 Concord, City of 10/1/08 10/1/08 8 10 5 C 060025 Contra Costa County 10/1/91 04/1/01 6 20 10 C 065023 Corte Madera, Town of 10/1/03 10/1/09 7 15 5 C 060339 Cupertino, City of 10/1/05 10/1/05 8 10 5 C 060708 East Palo Alto, City of 10/1/11 10/1/11 8 10 5 C 060370 Fairfield, City of 10/1/92 05/1/09 7 15 5 C 060218 Fountain Valley, City of 10/1/96 04/1/98 8 10 5 C 065028 Fremont, City of 04/1/01 04/1/01 7 15 5 C 060048 Fresno, City of 10/1/92 10/1/07 8 10 5 C 065029 Fresno County 10/1/91 10/1/11 6 20 10 C 060340 Gilroy, City of 05/1/07 05/1/07 8 10 5 C 065034 Huntington Beach, City of 10/1/95 10/1/00 7 15 5 C 060222 Irvine, City of 10/1/91 05/1/02 8 10 5 C 060075 Kern County 10/1/91 05/1/08 8 10 5 C 060090 Lake County 10/1/95 10/1/10 7 15 5 C 060636 Lake Elsinore, City of 10/1/09 10/1/09 9 5 5 C 060738 Lathrop, City of 10/1/08 10/1/08 8 10 5 C 060395 Live Oak, City of 10/1/11 10/1/11 9 5 5 C 060136 Long Beach, City of 10/1/93 05/1/08 7 15 5 C 060341 Los Altos, City of 10/1/91 10/1/96 8 10 5 C 060137 Los Angeles, City of 10/1/91 10/1/05 7 15 5 C 065043 Los Angeles County 10/1/91 05/1/11 7 15 5 C 060706 Manteca, City of 05/1/09 05/1/09 9 5 5 C 060344 Milpitas, City of 10/1/91 05/1/07 6 20 10 C California (continued) 060735 Mission Viejo, City of 10/1/05 05/1/10 8 10 5 C 060195 Monterey County 10/1/91 05/1/07 5 25 10 C 065074 Moreno Valley, City of 10/1/91 10/1/96 8 10 5 C 060346 Morgan Hill, City of 05/1/03 05/1/03 7 15 5 C 060347 Mountain View, City of 05/1/02 05/1/08 8 10 5 C 060751 Murrieta, City of 10/1/97 10/1/97 9 5 5 C 060207 Napa, City of 04/1/01 10/1/10 6 20 10 C 060227 Newport Beach, City of 10/1/93 05/1/08 8 10 5 C 060178 Novato, City of 10/1/95 05/1/10 6 20 10 C 060294 Oceanside, City of 10/1/91 10/1/96 8 10 5 C 060228 Orange, City of 10/1/92 05/1/08 9 5 5 C 060212 Orange County 10/1/91 05/1/08 7 15 5 C 060257 Palm Springs, City of 10/1/92 05/1/11 6 20 10 C 060348 Palo Alto, City of 10/1/91 10/1/01 7 15 5 C 060379 Petaluma, City of 10/1/91 10/1/96 6 20 10 C 060239 Placer County 10/1/91 05/1/09 5 25 10 C 060034 Pleasant Hill, City of 05/1/03 05/1/08 8 10 5 C 060012 Pleasanton, City of 10/1/92 10/1/97 8 10 5 C 060702 Poway, City of 05/1/08 05/1/08 8 10 5 C 060360 Redding, City of 10/1/96 05/1/08 6 20 10 C 060279 Redlands, City of 10/1/07 10/1/07 9 5 5 C 060035 Richmond, City of 10/1/95 10/1/95 9 5 5 C 060245 Riverside County 10/1/10 10/1/10 9 5 5 C 060243 Roseville, City of 10/1/92 10/1/06 1 45 10 C 060266 Sacramento, City of 10/1/91 10/1/08 5 25 10 C 060262 Sacramento County 10/1/92 05/1/10 4 30 10 C 060202 Salinas, City of 10/1/91 10/1/02 7 15 5 C 060284 San Diego County 10/1/94 05/1/10 7 15 5 C 060299 San Joaquin County 10/1/93 05/1/03 6 20 10 C 060349 San Jose, City of 10/1/91 10/1/01 7 15 5 C 060231 San Juan Capistrano, City of 10/1/91 10/1/02 8 10 5 C 060013 San Leandro, City of 10/1/06 10/1/06 8 10 5 C 060310 San Luis Obispo, City of 10/1/91 10/1/11 7 15 5 C 060311 San Mateo County 10/1/10 10/1/10 9 5 5 C 060710 San Ramon, City of 10/1/91 05/1/11 6 20 10 C 060331 Santa Barbara County 10/1/91 05/1/06 6 20 10 C 060350 Santa Clara, City of 05/1/02 05/1/08 8 10 5 C 060337 Santa Clara County 05/1/04 05/1/09 10 0 0 R 060729 Santa Clarita, City of 10/1/01 10/1/09 8 10 5 C 060355 Santa Cruz, City of 10/1/92 05/1/02 7 15 5 C 060421 Simi Valley, City of 10/1/93 10/1/09 7 15 5 C 060631 Solano County 10/1/91 10/1/07 7 15 5 C 060375 Sonoma County 10/1/91 10/1/92 10 0 0 R 060302 Stockton, City of 10/1/96 10/1/97 8 10 5 C 060352 Sunnyvale, City of 10/1/98 05/1/09 7 15 5 C 060394 Sutter County 10/1/08 10/1/10 6 20 10 C 060400 Tehama, City of 10/1/03 10/1/08 6 20 10 C 060401 Trinity County 05/1/11 05/1/11 9 5 5 C 060373 Vacaville, City of 10/1/95 10/1/00 8 10 5 C 060413 Ventura County 10/1/11 10/1/11 6 20 10 C 060409 Visalia, City of 10/1/11 10/1/11 9 5 5 C California (continued) 065070 Walnut Creek, City of 10/1/91 05/1/11 8 10 5 C 060357 Watsonville, City of 10/1/92 10/1/02 7 15 5 C 060728 West Sacramento, City of 10/1/11 10/1/11 8 10 5 C 060238 Yorba Linda, City of 10/1/93 10/1/04 10 0 0 R 060423 Yolo County 10/1/10 10/1/10 8 10 5 C 060396 Yuba City, City of 10/1/07 10/1/11 6 20 10 C 060427 Yuba County 10/1/03 05/1/09 7 15 5 C 060739 Yucaipa, City of 10/1/11 10/1/11 9 5 5 C Colorado 080001 Adams County 10/1/93 10/1/03 10 0 0 R 080010 Alamosa, City of 10/1/91 10/1/91 9 5 5 C 080009 Alamosa County 10/1/96 10/1/11 10 0 0 R 080011 Arapahoe County 10/1/91 10/1/92 8 10 5 C 080273 Archuleta County 10/1/92 10/1/98 10 0 0 R 085072 Arvada, City of 10/1/91 05/1/10 5 25 10 C 080002 Aurora, City of 10/1/92 05/1/08 8 10 5 C 080024 Boulder, City of 10/1/92 10/1/08 7 15 5 C 080023 Boulder County 10/1/91 10/1/06 7 15 5 C 080130 Brush, City of 10/1/94 10/1/94 9 5 5 C 080068 Canon City, City of 10/1/92 05/1/08 9 5 5 C 080315 Centennial, City of 05/1/10 05/1/10 8 10 5 C 080013 Cherry Hills Village, City of 10/1/96 10/1/01 8 10 5 C 080060 Colorado Springs, City of 10/1/92 10/1/10 7 15 5 C 080043 Delta, City of 10/1/96 10/1/00 7 15 5 C 080046 Denver, City and County of 10/1/96 05/1/06 8 10 5 C 080049 Douglas County 10/1/96 10/1/10 8 10 5 C 080099 Durango, City of 10/1/92 10/1/92 9 5 5 C 080051 Eagle County 10/1/08 10/1/08 8 10 5 C 080059 El Paso County 10/1/92 10/1/10 7 15 5 C 085074 Englewood, City of 10/1/95 10/1/11 7 15 5 C 080102 Fort Collins, City of 10/1/91 10/1/01 4 30 10 C 080061 Fountain, City of 10/1/92 10/1/10 7 15 5 C 080067 Fremont County 10/1/93 05/1/08 9 5 5 C 080245 Frisco, Town of 10/1/93 10/1/98 8 10 5 C 080090 Golden, City of 10/1/96 05/1/11 7 15 5 C 080062 Green Mountain Falls, Town of 10/1/03 10/1/10 7 15 5 C 080080 Gunnison, City of 10/1/95 10/1/95 9 5 5 C 080078 Gunnison County 10/1/94 10/1/09 8 10 5 C 080087 Jefferson County 10/1/05 10/1/10 6 20 10 C 085075 Lakewood, City of 10/1/91 10/1/05 6 20 10 C 080101 Larimer County 10/1/92 10/1/97 10 0 0 R 080017 Littleton, City of 10/1/92 10/1/97 7 15 5 C 080027 Longmont, City of 10/1/92 10/1/97 8 10 5 C 085076 Louisville, City of 10/1/91 10/1/05 8 10 5 C 080103 Loveland, City of 10/1/10 10/1/10 7 15 5 C 080063 Manitou Springs, City of 10/1/92 10/1/10 7 15 5 C 080115 Mesa County 05/1/06 05/1/06 9 5 5 C 080064 Monument, Town of 10/1/03 10/1/10 7 15 5 C 080092 Morrison, Town of 10/1/96 10/1/96 9 5 5 C 080065 Palmer Lake, Town of 10/1/03 10/1/10 7 15 5 C 080310 Parker, Town of 10/1/92 05/1/07 6 20 10 C Colorado (continued) 080287 Pitkin County 10/1/92 10/1/97 8 10 5 C 080153 Rio Grande County 10/1/92 10/1/97 10 0 0 R 080018 Sheridan, City of 10/1/93 10/1/03 10 0 0 R 080201 Silverthorne, Town of 10/1/96 10/1/96 9 5 5 C 080159 Steamboat Springs, Town of 10/1/93 05/1/10 8 10 5 C 080168 Telluride, Town of 10/1/94 10/1/05 8 10 5 C 080007 Thornton, City of 10/1/94 10/1/06 7 15 5 C 080054 Vail, Town of 10/1/91 10/1/01 7 15 5 C 080008 Westminster, City of 10/1/91 10/1/11 8 10 5 C 085079 Wheat Ridge, City of 10/1/91 10/1/11 6 20 10 C Connecticut 090074 Cheshire, Town of 10/1/93 10/1/03 10 0 0 R 090076 East Haven, Town of 10/1/03 10/1/10 10 0 0 R 090096 East Lyme, Town of 10/1/91 10/1/91 9 5 5 C 090078 Hamden, Town of 10/1/93 10/1/06 10 0 0 R 090011 Newtown, Town of 10/1/91 10/1/91 9 5 5 C 090012 Norwalk, City of 10/1/93 10/1/98 10 0 0 R 090015 Stamford, City of 10/1/02 10/1/02 7 15 5 C 090193 Stonington, Borough of 10/1/04 10/1/04 9 5 5 C 090106 Stonington, Town of 05/1/04 05/1/04 9 5 5 C 095082 West Hartford, Town of 10/1/91 10/1/07 8 10 5 C 090070 Westbrook, Town of 05/1/05 05/1/11 10 0 0 R 090019 Westport, Town of 10/1/95 10/1/00 8 10 5 C Delaware 105083 Bethany Beach, Town of 05/1/09 05/1/09 8 10 5 C 100056 Dewey Beach, Town of 10/1/94 10/1/99 8 10 5 C 105084 Fenwick Island, Town of 10/1/94 10/1/04 8 10 5 C 100041 Lewes, City of 10/1/92 10/1/92 9 5 5 C 100026 New Castle, City of 10/1/94 10/1/99 8 10 5 C 100025 Newark, City of 10/1/92 10/1/01 7 15 5 C 105086 Rehoboth Beach, City of 10/1/94 10/1/95 8 10 5 C 100048 Seaford, City of 10/1/96 10/1/96 9 5 5 C 100051 South Bethany, Town of 10/1/07 10/1/07 8 10 5 C Florida 120001 Alachua County 10/1/95 10/1/06 7 15 5 C 120290 Altamonte Springs, City of 10/1/94 10/1/96 8 10 5 C 125087 Anna Maria, City of 10/1/91 10/1/07 5 25 10 C 120180 Apopka, City of 10/1/93 10/1/07 7 15 5 C 120075 Atlantic Beach, City of 10/1/05 05/1/10 7 15 5 C 120193 Atlantis, City of 10/1/92 05/1/08 8 10 5 C 120676 Aventura, City of 10/1/00 05/1/05 7 15 5 C 120419 Baker County 10/1/01 10/1/01 8 10 5 C 120636 Bal Harbour, Village of 10/1/96 10/1/97 8 10 5 C 120004 Bay County 10/1/93 10/1/08 5 25 10 C 120637 Bay Harbor Islands, Town of 10/1/94 10/1/99 7 15 5 C 125089 Belleair Beach, City of 10/1/92 10/1/01 7 15 5 C 120195 Boca Raton, City of 10/1/92 05/1/08 8 10 5 C 120680 Bonita Springs, City of 05/1/06 10/1/11 6 20 10 C 120196 Boynton Beach, City of 10/1/91 10/1/10 7 15 5 C Florida (continued) 120155 Bradenton, City of 10/1/91 05/1/11 6 20 10 C 125091 Bradenton Beach, City of 10/1/91 05/1/08 6 20 10 C 125092 Brevard County 10/1/91 10/1/06 7 15 5 C 125093 Broward County 10/1/92 10/1/96 8 10 5 C 120005 Callaway, City of 10/1/93 05/1/08 8 10 5 C 125094 Cape Canaveral, City of 10/1/93 05/1/08 8 10 5 C 125095 Cape Coral, City of 10/1/91 05/1/10 5 25 10 C 120090 Carrabelle, City of 10/1/93 10/1/93 9 5 5 C 120061 Charlotte County 10/1/92 05/1/04 5 25 10 C 120063 Citrus County 10/1/01 10/1/11 6 20 10 C 120064 Clay County 10/1/96 10/1/05 7 15 5 C 125096 Clearwater, City of 10/1/91 10/1/00 7 15 5 C 120198 Cloud Lake, Town of 10/1/94 10/1/10 7 15 5 C 120020 Cocoa, City of 10/1/94 10/1/04 10 0 0 R 125097 Cocoa Beach, City of 10/1/94 10/1/04 10 0 0 R 120031 Coconut Creek, City of 10/1/92 10/1/01 7 15 5 C 120067 Collier County 10/1/92 05/1/10 6 20 10 C 120070 Columbia County 10/1/96 10/1/05 8 10 5 C 120032 Cooper City, City of 10/1/92 05/1/09 7 15 5 C 120639 Coral Gables, City of 10/1/93 10/1/98 8 10 5 C 120033 Coral Springs, City of 10/1/92 10/1/94 8 10 5 C 120218 Cutler Bay, Town of 05/1/11 05/1/11 6 20 10 C 120034 Dania Beach, City of 10/1/93 10/1/93 9 5 5 C 120035 Davie, Town of 10/1/94 10/1/05 7 15 5 C 125099 Daytona Beach, City of 10/1/94 10/1/08 6 20 10 C 125100 Daytona Beach Shores, City of 10/1/92 05/1/07 7 15 5 C 125101 Deerfield Beach, City of 10/1/92 05/1/11 7 15 5 C 125102 Delray Beach, City of 10/1/94 10/1/94 9 5 5 C 125158 Destin, City of 10/1/94 05/1/10 6 20 10 C 120041 Doral, City of 05/1/09 05/1/09 8 10 5 C 125103 Dunedin, City of 10/1/92 10/1/11 6 20 10 C 120308 Edgewater, City of 10/1/92 10/1/97 8 10 5 C 120080 Escambia County 10/1/91 05/1/11 6 20 10 C 120146 Fanning Springs, Town of 10/1/93 10/1/08 8 10 5 C 120120 Fellsmere, City of 10/1/99 10/1/04 9 5 5 C 120172 Fernandina Beach, City of 10/1/92 10/1/02 7 15 5 C 120087 Flagler Beach, City of 10/1/95 10/1/00 7 15 5 C 125105 Fort Lauderdale, City of 10/1/92 05/1/08 7 15 5 C 125106 Fort Myers, City of 10/1/93 10/1/98 8 10 5 C 120673 Fort Myers Beach, Town of 10/1/99 10/1/99 7 15 5 C 120286 Fort Pierce, City of 10/1/92 10/1/01 8 10 5 C 120174 Fort Walton Beach, City of 10/1/92 10/1/02 7 15 5 C 120088 Franklin County 10/1/93 10/1/02 8 10 5 C 125107 Gainesville, City of 10/1/92 10/1/06 7 15 5 C 120200 Glen Ridge, Town of 10/1/94 10/1/06 10 0 0 R 120642 Golden Beach, Town of 10/1/93 10/1/02 10 0 0 R 120275 Gulf Breeze, City of 10/1/93 05/1/08 8 10 5 C 120098 Gulf County 10/1/93 05/1/07 8 10 5 C 125109 Gulf Stream, Town of 10/1/99 05/1/09 7 15 5 C 125108 Gulfport, City of 10/1/93 10/1/03 7 15 5 C 125110 Hallandale Beach, City of 10/1/94 10/1/08 6 20 10 C Florida (continued) 120103 Hardee County 10/1/96 05/1/04 10 0 0 R 120107 Hendry County 10/1/00 10/1/00 8 10 5 C 120110 Hernando County 10/1/92 10/1/10 6 20 10 C 120643 Hialeah, City of 10/1/93 05/1/08 7 15 5 C 125111 Highland Beach, Town of 10/1/93 10/1/93 9 5 5 C 120111 Highlands County 10/1/94 10/1/04 8 10 5 C 120040 Hillsboro Beach, Town of 10/1/94 10/1/09 8 10 5 C 120112 Hillsborough County 10/1/92 10/1/07 5 25 10 C 125112 Holly Hill, City of 10/1/94 10/1/09 8 10 5 C 125113 Hollywood, City of 10/1/92 10/1/07 7 15 5 C 125114 Holmes Beach, City of 10/1/91 05/1/11 6 20 10 C 120645 Homestead, City of 05/1/06 05/1/06 8 10 5 C 120207 Hypoluxo, Town of 10/1/94 10/1/96 8 10 5 C 120119 Indian River County 10/1/92 10/1/07 6 20 10 C 120121 Indian River Shores, Town of 10/1/94 10/1/09 7 15 5 C 125117 Indian Rocks Beach, City of 10/1/92 10/1/11 7 15 5 C 125118 Indian Shores, Town of 10/1/93 10/1/05 6 20 10 C 120125 Jackson County 10/1/02 05/1/07 8 10 5 C 120077 Jacksonville, City of 10/1/91 05/1/10 6 20 10 C 120078 Jacksonville Beach, City of 10/1/92 10/1/02 8 10 5 C 120331 Jefferson County 10/1/96 10/1/11 8 10 5 C 120208 Juno Beach, Town of 10/1/93 10/1/07 5 25 10 C 125119 Jupiter, Town of 10/1/94 10/1/11 6 20 10 C 120162 Jupiter Island, Town of 10/1/95 10/1/00 8 10 5 C 120245 Kenneth City, Town of 10/1/92 05/1/06 8 10 5 C 120648 Key Biscayne, Village of 04/1/98 10/1/07 7 15 5 C 125121 Key Colony Beach, City of 10/1/92 05/1/08 8 10 5 C 120168 Key West, City of 10/1/92 10/1/99 10 0 0 R 120190 Kissimmee, City of 10/1/96 05/1/10 7 15 5 C 120211 Lake Clarke Shores, Town of 10/1/94 10/1/09 8 10 5 C 120421 Lake County 10/1/94 05/1/09 7 15 5 C 120416 Lake Mary, City of 10/1/09 10/1/09 8 10 5 C 120212 Lake Park, Town of 10/1/92 05/1/10 8 10 5 C 120213 Lake Worth, City of 10/1/96 10/1/10 8 10 5 C 120267 Lakeland, City of 10/1/04 10/1/09 7 15 5 C 120214 Lantana, Town of 10/1/94 10/1/94 9 5 5 C 125122 Largo, City of 10/1/92 10/1/08 6 20 10 C 125123 Lauderdale by the Sea, Town of 04/1/00 10/1/10 7 15 5 C 120044 Lauderhill, City of 10/1/92 05/1/08 9 5 5 C 120169 Layton, City of 10/1/01 05/1/08 8 10 5 C 125124 Lee County 10/1/91 10/1/07 5 25 10 C 120145 Levy County 10/1/94 10/1/09 7 15 5 C 125125 Lighthouse Point, City of 10/1/93 05/1/09 7 15 5 C 125126 Longboat Key, Town of 10/1/91 10/1/05 6 20 10 C 120292 Longwood, City of 10/1/96 10/1/10 10 0 0 R 120009 Lynn Haven, City of 10/1/92 05/1/07 8 10 5 C 125127 Madeira Beach, City of 10/1/92 05/1/11 6 20 10 C 120149 Madison County 10/1/94 10/1/00 8 10 5 C 120215 Manalapan, Town of 10/1/92 05/1/08 9 5 5 C 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 Florida (continued) 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 10/1/07 8 10 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 10/1/01 7 15 5 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 10/1/07 8 10 5 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 10/1/07 7 15 5 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 10/1/93 9 5 5 C 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 05/1/07 7 15 5 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 05/1/07 7 15 5 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 10/1/07 7 15 5 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 05/1/08 7 15 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 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 Florida (continued) 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 10/1/02 7 15 5 C 120261 Polk County 10/1/92 10/1/11 6 20 10 C 120055 Pompano Beach, City of 10/1/93 10/1/94 8 10 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 10/1/92 9 5 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 10/1/92 8 10 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 10/1/93 8 10 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 125152 Titusville, City of 10/1/92 05/1/11 7 15 5 C 125153 Treasure Island, City of 10/1/92 10/1/99 7 15 5 C 125154 Venice, City of 10/1/91 10/1/05 6 20 10 C Florida (continued) 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 10/1/94 10/1/08 6 20 10 C Georgia 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 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 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 130201 Jekyll Island, State Park Auth 10/1/93 05/1/06 6 20 10 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 Hawaii 155166 Hawaii County 05/1/11 05/1/11 8 10 5 C 150003 Maui County 10/1/95 10/1/00 8 10 5 C Idaho 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 Idaho (continued) 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 10/1/94 10/1/99 7 15 5 C Illinois 170001 Adams County 10/1/96 10/1/01 8 10 5 C 170198 Addison, Village of 10/1/91 10/1/97 7 15 5 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 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 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 Illinois (continued) 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 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 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 05/1/09 8 10 5 C 170224 Wood Dale, City of 10/1/99 10/1/04 5 25 10 C 170488 Woodstock, City of 05/1/11 05/1/11 7 15 5 C Indiana 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 10/1/09 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 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 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 10/1/11 10/1/11 8 10 5 C Kansas 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 200096 Hayes, City of 10/1/92 10/1/03 10 0 0 R Kansas (continued) 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 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 10/1/92 10/1/01 10 0 0 R Kentucky 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 05/1/08 5 25 10 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 10/1/95 10/1/00 10 0 0 R Louisiana 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 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 10/1/91 9 5 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 05/1/08 9 5 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 Louisiana (continued) 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 10/1/04 9 5 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 10/1/97 8 10 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 10/1/92 10/1/07 8 10 5 C Maine 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 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 Maine (continued) 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 10/1/01 10/1/01 8 10 5 C Maryland 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 10/1/91 10/1/01 5 25 10 C Massachusetts 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 10/1/95 10/1/95 9 5 5 C Michigan 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 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 Michigan (continued) 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 05/1/04 05/1/04 8 10 5 C Minnesota 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 10/1/91 10/1/96 10 0 0 R Mississippi 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 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 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 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 04/1/01 7 15 5 C 285262 Waveland, City of 10/1/93 10/1/06 5 25 10 C Missouri 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 Missouri (continued) 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 10/1/01 05/1/08 7 15 5 C Montana 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 05/1/03 05/1/03 8 10 5 C Nebraska 310187 DeWitt, Village of 05/1/11 05/1/11 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 10/1/08 10/1/08 8 10 5 C Nevada 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 320033 Storey County 10/1/94 10/1/99 8 10 5 C 320019 Washoe County 05/1/09 05/1/09 7 15 5 C New Hampshire 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 05/1/02 05/1/02 9 5 5 C New Jersey 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 New Jersey (continued) 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 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 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 10/1/00 8 10 5 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 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 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 10/1/95 9 5 5 C 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 New Jersey (continued) 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 10/1/92 10/1/97 10 0 0 R New Mexico 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 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 05/1/08 05/1/08 9 5 5 C New York 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 New York (continued) 360464 Freeport, Village of 10/1/92 10/1/09 7 15 5 C 360466 Great Neck Estates, Village of 10/1/10 10/1/10 9 5 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 10/1/91 10/1/91 9 5 5 C North Carolina 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 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 North Carolina (continued) 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 05/1/11 7 15 5 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 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 10/1/04 8 10 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 North Carolina (continued) 370368 Wake County 10/1/91 10/1/96 10 0 0 R 370017 Washington, City of 10/1/92 10/1/02 8 10 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 05/1/03 7 15 5 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 10/1/91 05/1/08 8 10 5 C North Dakota 385364 Fargo, City of 05/1/06 05/1/06 7 15 5 C 385365 Grand Forks, City of 10/1/91 10/1/01 5 25 10 C Ohio 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 05/1/07 9 5 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 10/1/92 9 5 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 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 10/1/06 8 10 5 C 405381 Tulsa, City of 10/1/91 10/1/03 2 40 10 C Oregon 410137 Albany, City of 10/1/91 10/1/06 7 15 5 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 05/1/02 7 15 5 C 415588 Clackamas County 10/1/04 10/1/04 5 25 10 C 410009 Corvallis, City of 10/1/91 10/1/01 7 15 5 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 05/1/02 8 10 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 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 05/1/06 6 20 10 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 Pennsylvania (continued) 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 10/1/92 05/1/08 7 15 5 C Rhode Island 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 10/1/02 10/1/07 10 0 0 R South Carolina 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 10/1/07 7 15 5 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 10/1/96 8 10 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 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 South Carolina (continued) 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 10/1/92 9 5 5 C 450182 Sumter County 10/1/92 10/1/92 9 5 5 C 450111 Surfside Beach, Town of 10/1/10 10/1/10 9 5 5 C 450193 York County 10/1/09 10/1/09 9 5 5 C South Dakota 465420 Rapid City, City of 10/1/92 10/1/02 8 10 5 C Tennessee 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 10/1/08 10/1/08 9 5 5 C Texas 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 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 05/1/07 8 10 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 Texas (continued) 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 10/1/01 8 10 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 10/1/10 6 20 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 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 10/1/96 10/1/96 9 5 5 C Vermont 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 10/1/98 10/1/98 9 5 5 C Virginia 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 05/1/07 8 10 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 10/1/05 10/1/10 8 10 5 C Washington 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 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 10/1/97 8 10 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 05/1/08 3 35 10 C Washington (continued) 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 10/1/07 10/1/07 8 10 5 C West Virginia 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 10/1/06 9 5 5 C 540004 Philippi, City of 05/1/03 05/1/03 8 10 5 C Wisconsin 550001 Adams County 10/1/91 05/1/07 8 10 5 C 550612 Allouez, Village of 10/1/92 10/1/02 7 15 5 C 550128 Eau Claire, City of 10/1/91 10/1/08 7 15 5 C 550578 Elm Grove, Village of 04/1/01 10/1/06 6 20 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 10/1/91 9 5 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 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 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 based on the data on file with the NFIP. If the policyholder 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 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. 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. A new policy can be issued or an existing policy renewed for a single policy term using tentative rates. If the policyholder does not provide acceptable documentation prior to the next policy expiration date, the company must non-renew the policy. The renewal policy can be canceled or nullified in accordance with the Write Your Own (WYO) Company’s business practices. Claims relating to a tentatively rated policy will not be processed until the required underwriting information needed to establish an actuarial rate for the policy has been received. Any flood loss occurring after notifying the policyholder of the property’s inclusion in the subset of properties cannot be settled until the insurer receives the appropriate underwriting documentation (i.e., new EC and photographs) or proof that the property should not have been placed on the list. 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. 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). 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). 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). 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 Control Office. 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. Base Flood. A flood having a 1% chance of being equaled or exceeded in any given year. Base Flood Depth (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. Binder or Certificate of Insurance. 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. Blanket Insurance. A single amount of insurance applying to more than 1 building and/or contents. Blanket insurance is not permitted under the NFIP. Breakaway Wall. 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. Building in the Course of 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. 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). Coastal Barrier. 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. Coastal Barrier Resources Act of 1982 (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. Co-insurance 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. Community Rating System (CRS). A program developed 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. Date of Construction. 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. Declarations Page. 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. 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. 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. Dwelling Form. See “Standard Flood Insurance Policy (SFIP) – Dwelling Form.” 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. Solid perimeter foundation walls are not an acceptable means of elevating buildings in V and VE Zones. Emergency Program. 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. Federal Emergency Management Agency (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. Federal Policy Fee. 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: Overflow of inland or tidal waters; Unusual and rapid accumulation or runoff of surface waters from any source; or 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. Flood Hazard Boundary Map (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. Flood Insurance Claims Office (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. 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. General Property Form. See “Standard Flood Insurance Policy (SFIP) – General Property Form.” Grade Elevation. 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. Historic Building. 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: By an approved state program as determined by the Secretary of the Interior; or Directly by the Secretary of the Interior in states without approved programs. Improvements and Betterments. 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 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 of Determination Review (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 of Map Amendment (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. Loss in Progress. 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. Lowest Adjacent Grade. The lowest point of the ground level immediately next to a building. Lowest Floor. 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. Lowest Floor Elevation (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. Map Revision. 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. Modular Building. 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. 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. National Geodetic Vertical Datum (NGVD) of 1929. 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. North American Vertical Datum (NAVD) of 1988. 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 bed-and-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. Otherwise Protected Areas (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-Shown Determination. 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. Ponding Hazard. 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-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. 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. Prepaid Premium (Total). The amount on the Application (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. Principal Residence. 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. Principally Above Ground Building. 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. Probation Surcharge (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. Proper Openings – Enclosures (Applicable to Zones A, A1–A30, AE, AO, AH, AR, and AR Dual). 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. Provisional Rating. 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. Regular Program 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. Residential Condominium Building. 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. Section 1316. 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. Severe Repetitive Loss (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. Shear Walls. 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. Sheet Flow Hazard. 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. Single Building. A building that is separated from other buildings by intervening clear space or solid, vertical, load-bearing division walls. Single-Family Residence. 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. Solid Perimeter Foundation Walls. 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 non-residential 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. Standard Flood Insurance Policy (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 of Construction. 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; Furnishings and equipment for watercraft; Spas and hot tubs, including their equipment; and Swimming pool equipment. 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. 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. Substantial Damage. 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. INDEX A ABOVE GROUND BUILDING, PRINCIPALLY GR 3, DEF 7 ACT REF 1, GR 7, DEF 1 ACTUAL CASH VALUE (ACV) DEF 1 ADDITIONS AND EXTENSIONS (TO BUILDING) GR 5, RATE 15 ADJUSTER CONTROL OFFICE CL 3, DEF 1 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 DEF 1 BASE FLOOD DEPTH RATE 18, DEF 1 BASE FLOOD ELEVATION (BFE) GR 14, RATE 23–25, MAP 1, 2, DEF 1 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 GR 3–7, APP 3–4, DEF 1 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, RATE 15, 16, PR 1, DEF 3, 5, 9 Section 1316 GR 7, DEF 8 Single Building GR 5, DEF 8 Start of Construction 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 BUILDING DRAWINGS 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 Cost of Compliance (ICC) Claims CL 4 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 Actof 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 and SUSPENSION) GR 1, APP 2–3, DEF 2 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 of Insurance Available RATE 1 Building Coverage GR 6–7, RATE 1, CONDO 9, PRP 1, 2, 4–6 Contents Coverage GR 6, 7, 8, 13, APP 5, RATE 1, 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/Removalof 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 DEDUCTIBLE FACTORS RATE 13, CONDO 22 DEDUCTIBLES GR 11, RATE 12, 13, 16, CONDO 7, 22, PRP 3, MPPP 4, END 2 DEFINITIONS DEF 1–9 DESCRIBED LOCATION DEF 3 DIAGRAM NUMBER DEF 3 DIRECT PHYSICAL LOSS BY OR FROM FLOOD DEF 3 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 2–3 Endorsement Rules: Changing Deductibles END 2 Endorsement Rules: Conversion of Standard Rated Policy to PRP Due to Misrating or Map Revision END 2 Endorsement Rules: Correcting Property Address END 2 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 3–4 Rating Examples END 5–12 Refund Processing END 3–4 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 Ordering Instructions and Prices MAP 3–6 Physical Map Revision 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 FORNON-RESIDENTIAL STRUCTURES CERT 9–10 FLOODPROOFING CERTIFICATE,RESIDENTIAL BASEMENT CERT 7–8 FORCE-PLACEMENT (MANDATORY PURCHASE) GR 3, MPPP 1–2, CN 4, 5, DEF 5 Foundation Walls DEF 4 FREEBOARD DEF 4 G GARAGES GR 3, LFG 1 GENERAL CHANGE ENDORSEMENT (See ENDORSEMENT) GENERAL PROPERTY FORM (See also STANDARDFLOOD 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 INFLATION FACTOR GR 11, REN 1 INSECT SCREENING (BELOW LOWEST ELEVATED FLOOR) RATE 7, 19–20, CONDO 19 INSURANCE PRODUCTS, NFIP GR 3 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 LOWEST ADJACENT GRADE 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 MACHINERY AND EQUIPMENT RATE 19, LFG 1–2, CERT 3 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, PR 1, 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 PROTECTIONPROGRAM (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, CONDO 1, 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 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, CRS 1 Premium Payment APP 7, 8, CONDO 8, 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 1–2, 3–4, 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 PRINCIPALLY ABOVE GROUND BUILDING DEF 7 PROBATION GR 1, DEF 7 PROBATION SURCHARGE GR 1, RATE 12, DEF 7 PROOF OF LOSS CL 1, 2 PROPER OPENINGS (FLOOD VENTS) LFG 1–3, 4, 6, 8, DEF 7 PROPERTY LOCATION APP 2, PRP 8, END 3 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 AccompanyProvisionally 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 Alternative Rates RATE 21, END 1–2 Amount of Insurance Available RATE 1 AR, AR Dual Zones RATE 18 Buildings in More Than One Flood Zone/BFE GR 14, RATE 16–17 Condominiums CONDO 1–31 Contents Location 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 Tentative Rates GR 13, RATE 11, CONDO 7, DEF 9 V-Zone Optional Rating RATE 23 V-Zone Risk Factor Rating Form RATE 33–46 RCBAP (See RESIDENTIAL CONDOMINIUM BUILDINGASSOCIATION 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 APP 5, RATE 20, 30, CONDO 6, 8, PRP 2, DEF 7 RESIDENTIAL GR 5–6, CONDO 1–5 RESIDENTIAL BASEMENT FLOODPROOFINGCERTIFICATE CERT 7–8 RESIDENTIAL CONDOMINIUM BUILDING CONDO 1–5, DEF 8 RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATIONPOLICY (RCBAP) (See also STANDARD FLOODINSURANCE 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 Courseof 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 ADJUSTER PROGRAM CL 3–4, DEF 8 SINGLE BUILDING GR 5, DEF 8 SINGLE-FAMILY RESIDENCE (DWELLING) GR 5, DEF 8 SLATS OR SHUTTERS (BELOW LOWEST ELEVATED FLOOR) RATE 7, 19–20, CONDO 19 SOLID PERIMETER FOUNDATION WALLS GR 5, RATE 8, DEF 8 SPECIAL CERTIFICATIONS CERT 1–25 SPECIAL DIRECT FACILITY (See NFIP SPECIAL DIRECT FACILITY) SPECIAL FLOOD HAZARD AREA (SFHA) MAP 1–2, DEF 8 SPECIAL RATING SITUATIONS GR 13–14, RATE 20–25 Alternative Rates RATE 20–21 Buildings in More Than One Flood Zone GR 14, RATE 16–17 Crawlspace RATE 25 Different Base Flood Elevations Reported GR 14, RATE 17 Flood Zone Discrepancies GR 14, RATE 17 NFIP Grandfather Rules: Effect of Map Revisions on Rates RATE 21–23 Policies Requiring Re-Rating RATE 23–24 Post-’81 V Zone Optional Rating RATE 23 Provisional Rates GR 14, DEF 7 Special Rates RATE 21 Submit-for-Rate GR 14, RATE 24–25, DEF 9 Tentative Rates GR 13, RATE 11, CONDO 7, DEF 9 SPLIT LEVEL DEF 8 STANDARD FLOOD INSURANCE POLICY (SFIP) GR 1 POL 1–65, DEF 8 Agreement POL 3, 23, 43 Claim Guidelines in Case of a Flood POL 21, 40, 61 Coinsurance POL 56 Deductibles POL 14, 36, 55–56 Definitions POL 5–7, 27–29, 47–49 Dwelling Form POL 3–23, DEF 8 Exclusions POL 13–14, 35–36, 54–55 General Conditions POL 14–22, 36–42, 57–63 General Property Form POL 25–44, DEF 8 Liberalization Clause POL 22, 43, 64 Property Covered POL 7–12, 29–34, 49–54 Property Not Covered POL 12–13, 34–35, 54 Residential Condominium Building Association Policy POL 45–65, DEF 7, 8 Summary of Significant Changes, December 2000 POL 4, 26, 46 What Law Governs POL 22, 43, 64 START OF CONSTRUCTION DEF 8 STOCK DEF 8 SUBGRADE CRAWLSPACE CONDO 11–18, RATE 25, DEF 8 SUBMIT-FOR-RATE GR 14, RATE 24–25, DEF 9 SUBSTANTIAL DAMAGE GR 11–12, RATE 24, DEF 9 SUBSTANTIAL IMPROVEMENT APP 6, RATE 15–16, 23–25, DEF 9 SUSPENSION GR 1, DEF 9 T 2–4 FAMILY RESIDENCE (DWELLING) GR 6, DEF 9 TECHNICAL ASSISTANCE REF 1 TELEPHONE NUMBERS REF 2–5 TENTATIVE RATES GR 13, RATE 20, CONDO 7, LFP 1, 2, DEF 9 TIMESHARES GR 7 TOWNHOUSES/ROWHOUSES CONDO 1, 8 TRANSFER OF BUSINESS GR 15, REN 2 TRANSFER OF TITLE GR 15 TRAVEL TRAILERS (See MANUFACTURED [MOBILE]HOMES/TRAVEL TRAILERS) U UNDERGROUND BUILDING DEF 9 UNFINISHED AREA DEF 9 UNFINISHED BASEMENT APP 3 UNIT DEF 9 V VALUED POLICY DEF 9 VARIANCE DEF 9 VEHICLES AND EQUIPMENT GR 6 V-ZONE OPTIONAL RATING RATE 23 V-ZONE RISK FACTOR RATING FORM RATE 33–46 W WAITING PERIOD GR 8–11, MPPP 3, REN 1, 2, DEF 9 WALLED AND ROOFED GR 5, DEF 9 WALLS GR 5, RATE 19–20, LFG 1–3, DEF 8 Breakaway Walls GR 5, RATE 19–20, LFG 2–3, DEF 1 Common Interior Walls GR 5 Foundation Walls DEF 4 Masonry Walls DEF 5 Openings in Foundation Walls LFG 1–2 Shear Walls GR 5, DEF 8 Solid Perimeter Foundation Walls GR 5, RATE 8, DEF 8 WAVE HEIGHT APP 7, RATE 29–30, DEF 9 Calculating Wave Height Adjustment RATE 29 WHOLE DOLLAR PREMIUM RATE 16 WIND LOSSES CL 3, 4 WRITE YOUR OWN (WYO) PROGRAM REF 1, DEF 9 Z ZONE (See also Map Zones under FLOOD MAPS) MAP 1–2, DEF 9 Discrepancies GR 14, RATE 17