Flood Damage >> Flood Prevention Technology

Generally, physical damage to your building or personal property "directly” caused by a flood is covered by your flood insurance policy. For example, damages caused by a sewer backup are covered if the backup is a direct result of flooding. However, if the backup is caused by some other problem, the Flood Prevention Technology damages are not covered. 

The following charts provide general guidance on items covered and Flood Prevention Technology not covered by flood insurance. Refer to your policy for the complete list. General Guidance on Flood Insurance Coverage What is insured under Building Property coverage The insured building and its foundation. The electrical and plumbing systems. 

Central air conditioning equipment, furnaces, and water heaters. Refrigerators, cooking stoves, and Flood Prevention Technology built-in appliances such as dishwashers. Permanently installed carpeting over an unfinished floor. Permanently installed paneling, wallboard, bookcases, and cabinets. Window blinds. Detached garages (up to 10 percent of Building Property coverage). 

Detached buildings (other than garages) require a separate Building Property policy. Debris removal. What is insured under Personal Property coverage Personal belongings such as clothing, furniture, and electronic equipment. Curtains. Portable Flood Prevention Technology and window air conditioners. Portable microwave ovens and portable dishwashers. 

Reminder: Keep Your Receipts While you are not expected to keep receipts for every household item and article of clothing, do try to keep receipts for electronic equipment, wall-to-wall carpeting, major appliances, and Flood Prevention Technology other higher cost items. Your adjuster will be able to process your claim more quickly when you can prove how much items cost at the time of purchase. 

Carpets not included in building coverage (see above). Clothes washers and dryers. Food freezers and the food in them. Certain valuable items such as original artwork and furs (up to $2,500). What is not insured by either Building Property or Personal Property coverage Damage caused by Flood Prevention Technology moisture, mildew, or mold that could have been avoided by the property owner. 

Currency, precious metals, and valuable papers such as stock certificates. Property and belongings outside of a building suchas trees, plants, wells, septic systems, walks,decks, patios, fences, seawalls, hot tubs, and Flood Prevention Technology swimming pools. Living expenses such as temporary housing. Financial losses caused by business interruption or loss of use of insured property.

Most self-propelled vehicles such as cars, Flood Prevention Technology including their parts (see Section IV.5 in your policy). Flood insurance coverage is limited in areas below the lowest elevated floor (including crawlspaces) depending on the flood zone and date of construction (refer to Part III, Section A.8 in your policy) and in basements regardless of zone, or date of construction.

As illustrated below, Flood Prevention Technology these areas include 1. basements, 2. crawlspaces under an elevated building, 3. enclosed areas beneath buildings elevated on full story foundation walls that are sometimes referred to as "walkout basements," and 4. enclosed areas under other types of elevated buildings. W

hat is insured under Building Property coverage Foundation walls, anchorage systems, and Flood Prevention Technology staircases attached to the building. Central air conditioners. Cisterns and the water in them. Drywall for walls and ceilings (in basements only). Nonflammable insulation (in basements only). Electrical outlets, switches, and circuit breakerboxes. 

Fuel tanks and the fuel in them, solar energyequipment, well water tanks and pumps. Furnaces, hot water heaters, heat pumps, and Flood Prevention Technology sump pumps.What is insured under Personal Property coverageWashers and dryers. Food freezers and the food in them (but notrefrigerators). Portable and window air conditioners. 

What is insured under Building Property coverage Foundation walls, anchorage systems, and Flood Prevention Technology staircases attached to the building. Central air conditioners. Cisterns and the water in them. Drywall for walls and ceilings (in basements only). Nonflammable insulation (in basements only). Electrical outlets, switches, and circuit breakerboxes. 

Fuel tanks and the fuel in them, solar energyequipment, well water tanks and pumps. Furnaces, hot water heaters, heat pumps, and sump pumps.What is insured under Personal Property coverageWashers and dryers. Food freezers and Flood Prevention Technology the food in them (but notrefrigerators). Portable and window air conditioners. 

Actual Cash Value (ACV)Actual Cash Value (ACV) is Replacement CostValue at the time of loss, Flood Prevention Technology less the value of itsphysical depreciation.Some building items such as carpeting are alwaysadjusted on an ACV basis. For example, wall-to-wallcarpeting could lose between 10–14 percent of itsvalue each year, depending on the quality of thecarpeting. 

This depreciation would be factored inthe adjustment.Personal property is always valued at ACV.Replacement Cost Value (RCV)Replacement Cost Value (RCV) is the cost toreplace that part of a building that is damaged(without depreciation). To be eligible, Flood Prevention Technology three conditions must be met: 1. The building must be a single-family dwelling.

2. Be your principal residence, meaning you livethere at least 80 percent of the year, and 3. Your building coverage is at least 80 percent ofthe full replacement cost of the building, or Flood Prevention Technology is the maximum available for the property under the NFIP. Property owners of "severe repetitive loss properties" may be eligible for a FEMA mitigation grant forproperty improvements that reduce the likelihood offuture flood damages. 

Property owners who refuse thegrant money could be required to pay increased flood insurance premiums.A property is defined as a "severe repetitive lossproperty" when it meets one of these conditions: 1. Four or Flood Prevention Technology more separate flood claim payments have Flood Prevention Technology been made and each claim payment exceeds$5,000.

2.At least two flood claim payments have been madeand the cumulative payments exceed the value of the property.A final noteThis document provides general information about flood insurance coverage. However, please be awarethat your Standard Flood Insurance Policy, Flood Prevention Technology your application, and any endorsements, including the Declarations Page, make up your official contract of insurance. 

Any differences between this information and your policy will be resolved in favor of your policy. If you have questions, call your insurance agent or Flood Prevention Technology company representative.WHAT IS INCREASED COST OF COMPLIANCE (ICC) COVERAGE?Most NFIP policies include ICC coverage,which applies when flood damages are severe. 

ICC coverage provides up to $30,000 of the cost to elevate, demolish, or relocate your home. If your community declares your home "substantially damaged" or"repetitively damaged" by a flood, Flood Prevention Technology it will require you to bring your home up to current community standards.

The total amount of your building claim Flood Prevention Technology and ICC claim cannot exceed the maximum limit for Building Property coverage ($250,000 fora single-family home). Having an ICC claim does not affect a Personal Property claim (upto $100,000), which is paid separately.

Mold Is Growing On The Soil In A Crawl Space

MOLD AND MOISTURE PROBLEMS IN CRAWLSPACES Introduction Some houses in Idaho and across the country have problems with standing water or moisture in the crawlspace, providing a perfect environment for mold growth and Crawl Space Drying Mold Is Growing On The Soil In A Crawl Space other moisture problems. 

For  read more..

Exposure To Lead

Lead is a naturally occurring element found in small amounts in the earth's crust. While it has some beneficial uses, it can be toxic to humans and animals causing of health effects.Where is Lead Found?Lead can be found in all parts of our environment – the air, the soil, the water, and Lead Paint Removal Exposure To Lead&n  read more..

How To Remove Flood Damage Debris

General Conditions and Special Provisions Project Schedule: Prepare a time schedule beginning with start of mobilization through completion of demobilization. Provide a timeline for all major items of work. Site Specific Injury and Illness Prevention Plan (IIPP): Prepare a site specific IIPP which  read more..

Clean Up After A Flood

Then appropriate, replace lood damaged windows with

vinyl or metal framed windows. Hollow core or polystyrene foam illed metal doors are water resistant. Metal in

both windows and doors may rust slightly but that is easily

repaired. Marine plywo  read more..

Mold Tester Certification

There is substantial visible mold growth inside hard surface (e.g., sheet metal) ducts or on other components of your heating and cooling system. There are several important points to understand concerning mold detection in heating and cooling systems: Many sections of your heating and cooling syste  read more..

How To Dehumidify A Flooded House

Dehumidifier Basics Capacity Dehumidifier capacity is usually measured in pints per 24 hours and is determined by two factors: the size of the space that needs to Dehumidification How To Dehumidify A Flooded House be dehumidified and the conditions that exist in the space before dehumidification. Use the chart below to estimate the ca  read more..

How To Repair A Fire Damaged Wood Floor

Each year the National Fire Protection Association’s (NFPA) Standards Council recognizes individuals for outstanding service to the organization in the development of codes and Fire Damage How To Repair A Fire Damaged Wood Floor standards. Awards will be presented to 35 individuals at the World Safety Conference & Exposition ® taking   read more..

Sewage And Floodwaters Contains Bacteria

Sewage and floodwaters contains bacteria, fecal material, viruses and other hazardous microorganisms, which can cause disease. These "germs" can be transmitted by touching contaminated items or by tracking them into uncontaminated areas on shoes. Children and pets are especially vulnerable. Odors fr  read more..

Crime Scene Robbery Cleaner Training

OSHA is concerned that the words "treated to render bloodborne pathogens noninfectious" may present a problem because there is little or no information in the record that deals with such treatment. The standard does recognize that some blood and blood components and blood products present littl  read more..

How To Get Rid Of Smoke Odor From Fire

One of the corrosivity tests correlated well with one another or with the leakage current test. As such, it is difficult to draw any specific conclusions as to the quality of particular test. The lack of agreement between generally similar tests (such as ASTM and ISO) serves to illustrate the need t  read more..