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 Clean Up Attic Mold

How do you get the molds out of buildings, including homes, schools, and places of employment?In most cases mold can be removed from hard surfaces by a thorough cleaning with commercial products, soap and water, or a bleach solution of no more than 1 cup of bleach in 1 gallon of water. Absorbent or   read more..

Carpet Stains From Storm Damage

Because both characteristics vary broadly in lumber cut from different species and trees of the same species, they account for much of the normal variations encountered in the character of wood and its response to cure or use. 'As an archetype, the time needed to dry wood under a given set of condit  read more..

Water Damage

Standing water is a breeding ground for a wide range of micro-organisms and insects, such as mosquitoes. Mosquitoes can spread diseases like West Nile Virus. Micro-organisms, including bacteria and mold, can become airborne and be inhaled. Where floodwater is highly infected, infectious diseas  read more..

Finding The Water Leak

Guidance for Food Establishments for Re-opening After Flooding Sept. 9, 2011 This information is for licensed food and/or lodging establishments. Take the following actions to re-open after damage to your facility and food stocks due to flooding and Water Damage Finding The Water Leak power outages.

  read more..

How To Reason With Animal Hoarders

Hoarding is the acquisition of, and failure to discard a large number of possessions in a residence which appear to be useless or of limited value. Living spaces, furniture, appliances and utilities are sufficiently cluttered as to prevent their intended use, which could pose a significant risk to h  read more..

What To Do If Hardwood Floors Have Flood Damage

If your house is being flooded by lowing waters entering through windows, doors or other openings, you can temporarily seal those openings to keep the water out.Make or purchase metal or wooden shields to it the openings. Secure the shields to the openings with bolts or Flood Damage What To Do If Hardwood Floors Have Flood Damage slide them into special   read more..

Storm Damage

Applying for a reimbursement grant from FEMA can be a time-consuming but worthwhile process. Like many government agencies there are endless types of forms and finding the correct one may be difficult. Like any type of reimbursement there are deadlines where the forms would have to be submitt  read more..

Federal Grants For Residential Flood Protection

Odds are that the area where you live will flood again. Before you spend a great deal of money and Flood Damage Federal Grants For Residential Flood Protection effort repairing and rebuilding, ask yourself this question:Do I really want to be flooded again?If you think that you would be better off in a different location,talk to your local government or   read more..

Program To Address Mold

Program To Address Mold In Neighborhoods Hardest Hit By Hurricane Sandy Unique Public-Private Partnership to Help Expand Mold Treatment Assistance in Affected Neighborhoods Mayor Michael R. Bloomberg and the Mayor's Office of Housing Recovery Operations today announced a new initiative to address wa  read more..

Trauma Scene Management Biohazard Remediation

Law enforcement officers and correctional officers may face a number of situations where there is occupational exposure to blood and other potentially infectious materials. In its publication "Guidelines for Prevention of  Crime Scene Cleanup Trauma Scene Management Biohazard Remediation Transmission of Human Immunodeficiency Virus and Hepatitis B Virus   read more..