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.

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