Flood Damage >> Flood Insurance

National Flood Insurance Program Flood Insurance Requirements for Recipients of Federal Disaster Assistance Flood Insurance Requirements for Recipients of Federal Disaster Assistance Flood Insurance Requirements for Recipients of Federal Disaster Assistance When property owners receive financial assistance from the Federal Government following a Presidentially declared disaster, Flood Insurance they may be required to purchase flood insurance coverage. 

This requirement is mandated under the National Flood InsuranceReform Act (NFIRA) of 1994. It is imposed when a building has been damaged and Flood Insurance is located in an area that is at high risk of flooding. These high-risk areas are called Special Flood Hazard Areas (SFHAs).The NFIRA requirement applies to insurable buildings and personal property, located in SFHAs, that have been damaged bythe disaster event. 

Financial assistance can come in the form of Federal disaster assistance grants or loans.If you are a homeowner Flood Insurance and receive Federal financial assistance, flood insurance coverage must be maintained at the address of your home even if the damaged building is replaced by a new one. If you sell your home,you are required to inform the new owners that they must maintain flood insurance coverage on the building. 

Often, an existing flood insurance policy can be transferred to a new owner with no lapse in coverage.If you are a renter and receive Federal financial assistance, flood insurance coverage must be maintained on the Flood Insurance contents for as long as you live at the flood-damaged rental property. The requirement for flood insurance is lifted once you move from the building.

If you receive a Certificate of Flood Insurance from FEMA, flood insurance has been provided under a Group Flood Insurance Policy following a Presidential disaster Flood Insurance declaration. This policy provides minimum building and/or contents coverage in exchange for a small premium.

Group Policies have a term of 3 years, after which you will be requiredto purchase Flood Insurance and maintain a Standard Flood Insurance Policy through the National Flood Insurance Program (NFIP) until you are no longerthe homeowner or renter at that location. In order to avoid any lapse incoverage, it is important to apply for your new coverage at least 30 daysbefore the expiration of the Group Policy.

You may cancel your participation in the Group Policy at any time during its policy term, Flood Insurance provided that you have purchased your own NFIP flood insurance coverage.Even without the NFIRA requirement,it is a wise decision to purchase flood insurance. 

But, because Federal law mandates the purchase of flood insurance as a condition of disaster funding, Flood Insurance an applicant who does not comply with the NFIRA flood insurance obligation may become ineligible for future disaster assistance. 

It's that important.With all that you are going through, Flood Insurance don't let this vital coverage slipthrough the cracks. Protect yourself and your family from futurefinancial loss by purchasing and maintaining flood insurance coverage.For more information about the NFIPand flood insurance, call

How To Keep Squirrels From Damaging Lead Vent Pipe

 State wildlife regulations clearly prohibit any person from taking game or protected birds or animals alive from the wild. The sale of wild animals, dead or alive, and their parts, is also strictly prohibited, except for the specific provisions outlined in the Code of Iowa. This would include   read more..

Proper Removal Of Lead Paint

You want to take good care of your family. You try to eat healthy foods. You take your children to the doctor for regular checkups. You try your best to protect your family from accidents and illness. You want to live in a safe neighborhood and home. But did you know your home might have Lead Paint Removal Proper Removal Of Lead Paint hidden  read more..

Recovering Hurricane Irene

Recovery from Hurricane Irene Steps to take before returning to homes or schoolsChildren, and whenever possible teens, should not be involved in clean-up efforts but can returnonce areas are cleaned. Children should be the last group to return Water Damage Recovering Hurricane Irene to areas impacted by flooding.

  read more..

Cut Drywall To Remove Mold

Moisture problems and their solutions differ from one climate to another. The Northeast is cold and wet; the Southwest is hot and dry; the South is hot and wet; and the Western Mountain states are cold and dry. All of these regions can have moisture problems. For example, Mold Remediation Cut Drywall To Remove Mold evaporative   read more..

Smoke Damage From A House Fire

Damaged, or "mutilated" currency may be mailed or personally delivered to the Bureau of Engraving and Printing. When mutilated currency is submitted, a letter should be included stating the estimated value of the currency and an explanation of how the currency became mutilated. Each case is carefull  read more..

Compulsive Hoarding

In the case of a compulsive hoarder, fire damage has occurred from time to time. Because of the condition of the house, where the Smoke Damage Compulsive Hoarding takes place, where empty packaging that should have been discarded will pile up next to their stove creating a unsafe fire h  read more..

Test Your Home For Radon

Former EPA National Radon Proficiency Program Note: EPA no longer updates this information, but it may be useful as a reference or resource. Dated: July 30, 1998 RE: The National Radon Proficiency Program (RPP) Dear RPP Participant, Applicant, States, EPA Regions and Radon Mitigation Test Your Home For Radon RPP Stakeholders:  read more..

Lead Abatement State Programs

Lead abatement is an activity designed to permanently eliminate lead-based paint hazards. Abatement is often ordered by a state or local government, and can involve specialized techniques not typical of renovation activities. EPA requires individuals and firms who perform abatement projects in pre-1  read more..

When Does The Law Require Removal Of Friable Asbes

Compliance program. Where the and/or excursion limit is exceeded, the employer shall establish and implement a written program to reduce employee exposure to or below the and to or below the excursion limit by means of engineering and work practice controls as required by paragraph (f)(1) of this [M  read more..

Basement Drying

Unprotected building occupants and water restoration workers should be evacuated from the Sewage Cleanup Basement Drying affected areas during the beginning stages of decontamination, sewage cleaning, and disinfection, such as until the sewage has been completely removed and the disinfectants applied. The water restor  read more..