Flood Damage >> Flooded

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

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

Financial assistance can come in the form of Federal disaster assistance grants or loans. If you are a homeowner and receive Federal financial assistance, Flooded 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 flooded insurance coverage on the building. 

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

If you receive a Certificate of Flooded Insurance from FEMA, flooded insurance has been provided under a Group Flooded Insurance Policy following a Presidential disaster 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 required to purchase and maintain a Standard Flooded Insurance Policy through the National Flooded Insurance Program (NFIP) until you are no longer the homeowner or renter at that location. In order to avoid any lapse in coverage, it is important to apply for your new coverage at least 30 days before the expiration of the Group Policy. 

You may cancel your participation in the Group Policy at any time during its policy term, provided that you have purchased your own NFIP flooded insurance coverage. Even without the NFIRA requirement, it is a wise decision to purchase flooded insurance. But, because Federal law mandates the purchase of Flooded insurance as a condition of disaster funding.

An applicant who does not comply with the NFIRA flooded insurance obligation may become ineligible for future disaster assistance. It's that important. With all that you are going through, don't let this vital coverage slip through the cracks. Protect yourself and your family from future financial loss by purchasing and maintaining Flooded insurance coverage.

How To Help A Hoarder Clean

Rats, tree shrews, and monkeys (mammals like us---some much like us) infected with Borna disease virus behave much like humans with bipolar disorder. These animals exhibit periods of apparent mania and periods of obvious depression. They are more anxious, less sexually active, Hoarding How To Help A Hoarder Clean less in  read more..

Black Mold Regulations

Moisture control is the key to mold control, the Moisture Control Section from Biological Pollutants in Your Home follows:Moisture Control Water in your home can come from many sources. Water can enter your home by leaking or by seeping through basement floors. Showers Mold Remediation Black Mold Regulations or even cooking  read more..

Program To Address Water Damage

Program To Address Water Damage 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 a  read more..

How To Clean Up A Flooded Basement

Basement flooding caused by saturated ground can be corrected by installing a footing drain around the foundation (see illustration below). The drain collects groundwater and directs it to a sump. Basement Drying How To Clean Up A Flooded Basement When the sump fills, water is pumped out, usually onto the ground away from the building. Dep  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..

How To Report Suspected Meth Activity

Cleanup Guidelines for Properties Quarantined Due to ClandestineDrug Laboratory ActivitiesIntroduction This document is designed to assist property owners on the appropriatesteps necessary to Meth Lab Cleanup How To Report Suspected Meth Activity remove a Louisville Metro Health Department quarantine order due topresence of hazardous substance  read more..

Risks Of Being A Crime Scene Clean Up Technician

Crime scene processing will begin after incident stabilization of the scene. Incident command priorities of life safety, search and rescue, and security precede crime scene preservation and processing. (05/15/96) Only the Watch Commander or Crime Scene Cleanup Risks Of Being A Crime Scene Clean Up Technician on-scene investigative supervisor can relinq  read more..

Odor Control

Say Tenant Move Out Cleanup Odor Control out and did not inform you and it's been a couple of weeks. In that time animals of moved in and started living in your rental. How do you get them out of the walls and attic now that they've taken up residence there. Call a professional restoration company dealing with animal remova  read more..

How To Pass A Radon Test

Successful IAQ management in schools comprises effective pollution source control. Radon — a radioactive gas — is one of the most hazardous indoor pollutants. Radon is the leading cause of lung cancer among non-smokers. In the U.S., Radon Mitigation How To Pass A Radon Test an estimated 20,000 people die from radon-induced   read more..

Roof Leak Sealer

STORM, FLOOD, AND HURRICANE RESPONSE Guidance on Personal Protective Equipment and Clothing for Flood Cleanup Workers The National Institute for Occupational Safety and Health (NIOSH) provides the following guidelines and warnings to flood cleanup workers. The hazards in flood waters are likely vari  read more..