This page provides information for agents and claims adjusters, including: Underwriting and policy management forms; claims forms, and information about FEMA's Write Your Own Program.
Underwriting: Writing policies
Dwelling Policy Form
The Dwelling Policy Form may be issued to homeowners, residential renters and condominium unit-owners, owners of residential buildings containing two to four units.
In communities participating in the National Flood Insurance Program (NFIP) Regular Program* or Emergency Program** the dwelling policy provides building and/or contents coverage for:
- Detached, single-family, non-condominium residence with incidental occupancy limited to less than 50% of the total floor area;
- Two- to four- 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
- Manufactured mobile homes
General Property Policy Form
The General Property Policy Form may be issued to owners or lessees of non-residential buildings or units, or residential condominium buildings that are uninsurable under the Residential Condominium Building Association Policy (RCBAP).
In communities participating in the NFIP Regular Program* or Emergency Program** the General Property Policy provides building and/or contents coverage for these and similar “other residential” risks:
- Hotel or motel with normal guest occupancy of 6 months or more;
- Apartment building;
- Residential cooperative building;
- Assisted-living facility.
And non-residential risks:
- Shop, restaurant, or other business;
- Mercantile building;
- Grain bin, silo, or other farm building;
- Agricultural or industrial processing facility;
- Poolhouse, clubhouse, or other recreational building;
- House of worship;
- Hotel or motel with normal guest occupancy of less than 6 months;
- Licensed bed-and-breakfast inn;
- 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) Form
The Residential Condominium Building Association Policy Form may be issued to condominium associations to insure eligible residential condominium buildings.
In participating NFIP Regular Program* communities 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.
*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.
**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.
- Flood Insurance Application (updated 12/2017)
- V-Zone Risk Factor Rating Form and Instructions (updated 11/2017)
- Flood Insurance Preferred Risk Policy Application (updated 12/2017)
- Insurance Agent’s Lowest Floor Guide (updated 01/2018. Order this document, F-441, from the publications' warehouse)
Underwriting: Managing policies
- Flood Insurance Cancellation/Nullification Request Form (updated 12/2017)
- Flood Insurance General Change Endorsement (updated 12/2017)
- Residential Basement Floodproofing Certificate (updated 04/2018)
- Elevation Certificate and Instructions (updated 03/2018)
- Floodproofing Certificate for Non-Residential Structures (updated 07/2015)