Flood Damage >> FEMA Flood Zones

Is financial assistance available for NFIP policyholders to reduce their overall risk? Yes, FEMA offers five hazard mitigation grant programs. Some grant programs are available only to NFIP policyholders. 105. What is the Repetitive Loss Properties Strategy? The primary objective of the Repetitive Loss Properties Strategy is to eliminate or reduce the damage to property and the disruption of life caused by repeated FEMA Flood Zones of the same properties. 

Is there a program available for severe repetitive loss properties? A specific group of properties is identified and serviced separately from other NFIP policies by the Special Direct Facility (SDF). The properties include every NFIP-insured property that, FEMA Flood Zones since 1978 and regardless of any change(s) of ownership during that period, has experienced: 

At least four NFIP claim payments (including building and contents) over $5,000 each, FEMA Flood Zones and the cumulative amount of such claims payments exceeds $20,000; or For which at least two separate claims payments (building payments only) have been made with the cumulative amount of the building portion of such claims exceeding the market value of the building. 

For both of the above options, at least two of the referenced claims must have occurred within any 10-year period, and must be greater than 10 days apart.  107. How is the loss history determined? The loss history includes all FEMA Flood Zones claims paid on an insured property, regardless of any change(s) of ownership, since the building's construction or back to 1978 if the building was constructed before 1978. 

SRL properties are afforded coverage, whether new or renewal, only through the SDF. 108. How and when are affected property owners notified that their property is an SRL property? At least 90 days before the policy renewal date, affected property owners and their FEMA Flood Zones insurance agents are sent notice by the Write Your Own (WYO) Company stating that the policy is ineligible for renewal through the WYO Program and offering renewal in the SDF. 

A follow-up notice is sent by the SDF 45 days before the renewal date. 109. How should an SRL policyholder respond after receiving such a renewal notice? If the policyholder wishes to continue to have FEMA Flood Zones coverage, he or she should follow the renewal instructions provided by the SDF offer notice. He or she will not be able to renew the policy with the present WYO Company. 

What procedures are available for property owners who believe that their property should not be included as an SRL property? When a policyholder has documentation that the NFIP-insured property has not sustained the losses reported, a request for review may be presented, FEMA Flood Zones in writing, to the NFIP Bureau and Statistical Agent. 

All documentation to substantiate the review must be included with the request letter. The policy will remain in the SDF during the review. 111. What happens to an SRL property? The appropriate FEMA Regional Office (see list beginning on page 43 in this book) provides information about the property to state and local FEMA Flood Zones management officials. 

States or communities may sponsor projects to mitigate FEMA Flood Zones losses to these properties or may be able to provide technical assistance on mitigation options. 112. What happens if a property owner agrees to undertake appropriate mitigation measures? The property will be removed from the SRL validated list at the next renewal, and the policy then will be transferred from the SDF to the WYO Company that previously serviced the policy. 

What kinds of mitigation measures are appropriate? Depending on individual circumstances, appropriate mitigation measures commonly include elevating buildings above the level of the base FEMA Flood Zones, demolishing buildings, and removing buildings from the Special FEMA flood zones Hazard Area (SFHA). Sometimes, mitigation takes the form of a local drainage-improvement project that meets NFIP standards. 

If an NFIP policyholder who is an SRL property owner declines an official mitigation offer from FEMA, will his or her FEMA flood zones insurance premium increase? Yes, his or her FEMA Flood Zones insurance premium will increase. 115. What are examples of mitigation opportunities that may become available following a Presidential disaster declaration? 

When major FEMA Flood Zones disasters have affected a region, it is common for FEMA Flood Zones communities and individuals to consider relocation, acquisition, or elevation of FEMA Flood Zones-damaged structures. Property owners who sustained extensive damage are often very interested in avoiding the recurrence of such an experience. The feasibility of such mitigation projects must be established on a case-by-case basis. 

It is important for a FEMA flood zones insurance policyholder to be aware of these possibilities FEMA Flood Zones and contact local officials to learn as much as possible. 116. Are there any specific programs available associated with a Presidential disaster declaration to assist with mitigation? Yes. The Hazard Mitigation Grant Program.

Authorized under Section 404 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act, is FEM's primary hazard mitigation program designed to assist states FEMA Flood Zones and communities in implementing long-term hazard mitigation measures following a major disaster declaration. States manage this program and may set state-specific project criteria. 

Individuals with questions should contact their local officials for more information. Through the Small Business Administration, FEMA Flood Zones loans may be available to qualifying applicants to assist with the costs of mitigation. Due to the need to coordinate many activities following Presidential declarations, it is important for individual citizens to raise their questions and concerns about these post-disaster mitigation opportunities with their local community officials.

Prevent A Flood In Your Bathroom

While it can take several days for the larger rivers to flood, flooding caused by ice jams, flooding on the smaller streams, local drainage problems, Flood Damage Prevent A Flood In Your Bathroom and sewer backup can come with little warning.If weather conditions look like flooding, the National Weather Service issues two types o  read more..

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..

How To Know If You Are A Hoarder

In non-emergency situations, the Mental Health Clinician conducts preliminary outreach via home visit or telephone in hopes of establishing rapport at the outset of the process, i.e. the carrot. Thus far, hoarders have been more amenable to establishing initial communication with a clinical responde  read more..

Flood Damage

After a flood has come through your area flooding your house, be patient and allow your Dehumidification Flood Damage walls ceilings and floors to thoroughly dry for at least a couple of weeks. If you try to repaint or hang wallpaper before proper drying is completed the mildew and mold will continue to grow. The mem  read more..

How To Fix A Wet Crawl Space From Mold

Set your home's thermostat at the coolest level you can without making your rooms uncomfortable. For most homes, the heating bill drops by about 2 percent for every 1 degree the thermostat is lowered. Crawl Space Drying How To Fix A Wet Crawl Space From Mold Lower your home's thermostat at bedtime or while you're away during the day.     read more..

Lead Paint Removal And Disposal

How Are Workers Exposed to Lead?Workers can be exposed to lead by creating dust or fumes during everyday work activities. Fumes are easier to breathe in and therefore maybe more dangerous than dust. These are some of the most common ways to be exposed.LEAD DUST is produced in many ways including: Gr  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..

Lead Paint Abatement

Are the employer acts pursuant to a final medical determination which permits the return of the employee to his or her former job status despite what would otherwise be an unacceptable blood lead level, later questions concerning removing the Lead Paint Removal Lead Paint Abatement employee again shall be decided by a final  read more..

Repair Water Damage And Remove Mold From A Flood

After The Storm:What To Do When You Go Back To A Flooded, Moldy Home If your home has sustained significant water damage after a hurricane, tornado, Flood Damage Repair Water Damage And Remove Mold From A Flood  r tropical storm, the large amounts of water will likely result in mold growth in your home. Mold exposure can trigger asthma atta  read more..

The Best Ways To Move A Hoarder

The purpose of this Study Issue is to determine how Sunnyvale can effectively address interior hoarding conditions at residential properties. Staff conducted an extensive amount of research on-line and through a survey of the California Association of Code Enforcement Officers pertaining to how othe  read more..