Flood Damage >> Flood Zone Maps

Are costs of preventive measures covered under the SFIP? Some are. When an insured building is in imminent danger of being Flood Zone Maps, the reasonable expenses incurred by the insured for the removal of insured property to a safe location and return will be reimbursed up to $1,000, and the purchase of sandbags and sand to fill them, plastic sheeting and lumber used in connection with them, pumps, fill for temporary levees, and wood will be reimbursed up to $1,000. 

No deductible is applied to this coverage. Note: The coverage for Sandbags, Supplies, and Labor applies only if damage to insured property by or from Flood Zone Maps is imminent, and the threat of flood zone maps damage is apparent enough to lead a person of common prudence to anticipate flood zone maps damage. 

One of the following must also occur: (a) A general and temporary condition of flood zone maps in the area near the described location must occur, even if the Flood Zone Maps does not reach the insured building; or (b) A legally authorized official must issue an evacuation order or other civil order for the community in which the insured building is located calling for measures to preserve life and property from the peril of flood zone maps. 

This coverage does not increase the Coverage A or Coverage B limit of liability. For additional information, Flood Zone Maps refer to any of the SFIP forms, Section III. Property Covered, Part C. Coverage C – Other Coverage: 2. a. and b. 62. Does insurance under the NFIP provide coverage at replacement cost? 

Replacement cost coverage is available for a single-family dwelling, insured under the Dwelling Form that is the policyholder's principal residence and is insured for at least 80 percent of the building's total insurable value at the time of the loss, Flood Zone Maps or the maximum amount of insurance available under the Program. Replacement cost coverage does not apply to manufactured (i.e., mobile) homes smaller than certain dimensions specified in the policy. 

Losses are adjusted on a replacement cost basis for residential condominium buildings insured under the Residential Condominium Building Association Policy (RCBAP). However, Flood Zone Maps coverage amounts less than 80 percent of the building's full replacement cost value (RCV) at the time of loss will be subject to a coinsurance penalty. 

Building losses under the General Property Form are always adjusted on an actual cash value basis. Contents losses are always adjusted on an actual cash value basis. Actual cash value means the replacement cost of an insured item of property at the time of loss, Flood Zone Maps less the value of physical depreciation of the item damaged. 

Does the Standard Flood zone maps Insurance Policy (SFIP) provide additional living expenses if the insured dwelling is Flood Zone Maps damaged and cannot be occupied while repairs are being made? No. The policy covers only direct physical flood zone maps damage to the dwelling and does not provide for additional living expenses. 

What is Increased Cost of Compliance (ICC) coverage? Increased Cost of Compliance (ICC) coverage under the SFIP provides for the payment of a claim to help pay for the cost to comply with state or community flood zone maps management laws or ordinances from a Flood Zone Maps event in which a building has been declared substantially damaged or repetitively damaged. 

When an insured building is damaged by a Flood Zone Maps and the state or community declares the building to be substantially damaged or repetitively damaged, ICC coverage will help pay for the cost to elevate, flood zone maps proof, demolish, or relocate the building up to a maximum benefit of $30,000. This coverage is in addition to the building coverage for the repair of actual physical damages from flood zone maps under the SFIP. 

Is there a limit to the amount a policyholder can collect under ICC coverage? Yes. The maximum amount a policyholder may collect under ICC is $30,000. This amount is in addition to the amount the policyholder receives for physical damages by Flood Zone Maps. The total amount the policyholder receives for combined physical structural damage from flood zone maps and ICC is always capped by the maximum limit of coverage established by Congress. 

The maximum amount collectible for both ICC and physical damage from flood zone maps for a single-family dwelling is $250,000. 66. Is ICC premium included in all Standard Flood Zone Maps Insurance Policies? Yes—however, not all buildings are eligible for ICC coverage. 

To be eligible for ICC coverage, a building must be declared substantially damaged, and there must be mitigation activities to reduce the building's exposure to future flood zone maps damage. Refer to Section D of the policy form for more information regarding ICC coverage. 67. How does a policyholder file a claim for Flood Zone Maps loss? 

A flood zone maps insurance policyholder should immediately report any flood zone maps loss to the insurance company or Flood Zone Maps agent who wrote the policy. A claims adjuster will be assigned the loss, and the policyholder must file a "proof of loss" within 60 days of the date of loss. A policyholder whose policy is with a WYO Company must follow the company's claim procedures. 

The 60-day time limit for filling a proof of loss remains the same. 68. What is a "proof of loss"? A proof of loss—the policyholder's valuation of claimed damages—is a sworn statement made by the policyholder that substantiates the insurance claim and is Flood Zone Maps required to be submitted to the NFIP or WYO Company within 60 days of the loss. 

A printed form usually is available from the adjuster assigned to the Flood Zone Maps claim. Note: Some WYO Companies and the NFIP Direct Servicing Agent may require the proof of loss to be affirmed by a public notary. 69. What is a "loss in progress"? 

A loss in progress occurs when actual flood zone maps damage to a building or its contents started before the inception of the policy, or when coverage is added at the insured's request when a Flood Zone Maps is imminent. Is a loss in progress covered? The NFIP does not cover damage caused by a loss in progress under any of the Flood Zone Maps insurance policies.

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