FLOOD07997

• County: Statewide
• Basin: Statewide
• Title: Flood Insurance Manual
• Date: 10/1/1992
• Prepared For: US
• Prepared By: National Flood Insurance Program
• Floodplain - Doc Type: Project

if located in a FEMA designated Special Flood Hazard Area. must meet
the requirements of paragraph H of Anicle V.
"Mobile home" means a manufactured home.
"Policy" means the entire written contract between you and us; it in.
eludes this printed form, the application. and declarations page, any en-
dorsements which may be issued and any renewal cenificates indicating
that coverage has been instituted for a new policy and pblicy term. Only
one building. specifically described by you in the application. may be in-
sured under this policy, unless application to cover more than one building
is made on a form or in a format approved for that purpose by the
Administrator.
"Post-FIRM building" means a building for which the start of construc'
tion or substantial improvement occurred after December 31. 1974. or on
or after the effective date of the initial Flood insurance Rate Map (FIRM)
for the community in which the building is located, whichever.is later.
"Probation Additional Premium" means a flat charge per pohcy lerm
paid by the Insured on all new and renewal policit:s issued covering .p~'
erty in a community that has been placed on probal1on under the provlstons
of 44 CFR 59.24 on or after October 1. 1986.
"Walled and Roofed" means the building has in place two or more ex-
terior. rigid wans and the roof is fully secured so that the building will resist
flotation, collapse and lateral movement.

ARTICLE II1-WSSES Nor COVERED

We only provide coverage for direcl physical loss by or from flood which
means we do not cover:
A. Losses from other casualties. including:
1. Loss caused by theft. loss of profits, fire. windstorm. wind. explo-
sion. earthquake. land sinkage. land subsidence. landslide. destabilization
or movement of land resulting from the accumulation of waler in subsur-
face land areas, gradual erosion, or any other earth movement except such
mudslides (i.e.. mudflows) or erosion as is covered under the peril offload.
2. Loss caused (i) by rain. snow, sleet. hail or water spray: or (ii) by
freezing, thawing, the pressure or weight of ice or water. sewer backup
or seepage of water unless your insured property has been. at the same time,
damag.ed by a flood.
3. Water, moisture or mudslide (i,e., mudOow) damage resulling primari.
Iy from any condition substantially confined to the insured building or from
any condition which is within your control (including but not limited to
design. structural or mechanical defects. failures. stoppages or breakages
of water or sewer lines. drains, pumps, fixtures or equipment).
B. Losses of the following nature:
1. A loss which is already in progress as of 12:01 A.M. of the firslday
of the policy tenn, or. as to any increase in the limits of coverage which
is requested by you. a loss which is already in progress when you request
the additional coverage.
2. A loss from a flood which is confined to the premises on which your
insured property is located unless the flood is displaced over two acres of
the premises.
3. A loss caused by your modification to the insured property or the
described premises on which the insured propeny is located, which material-
ly increases the risk of flooding.
4. Loss caused intentionally by you or any member of your household.
5. Loss caused by or resulting from power. heating or cooling failure.
unless such failure results from physical damage to power. heating or cooling
equipment situated on premises where the insured propeny is located. caused
by the peril insured againsl.
6. Loss 10 any building or contents located on property leased from the
Federal Government. arising from or incident to the flooding of the prop-
erty by the Federal Government. where the lease expressly holds the Federal
Government hannless. under flood insurance issued under any Federal
Government program, from loss arising from or incident to the flooding
of the propeny by the Federal Government.

ARrICLE IV-PROPERTY COVERED

(Subject to "Property Not Covered" Provisions)
We will pay for physical damage caused by flood to the building at the
property address you have furnished. as well as the contents of the building,
if you have purchased contents coverage, and provided you have paid the
correct premium for the insurance. as follows:
A. We cover your dwelling, which includes:

POL 16

1. A residential building, designed for principal use as a dwelling place
for no more than four families; or we cover your dwelling unit in a con-
dominium building. along with your insurable tenant in common interest
in that building's common elements and the common elements of any other
building of your condominium association covered by insurance that is:
(i) in the name of your condominium association. (ii) provided under Ihe
Act, and (iiil in an amount at least equal 10 the actual cash value of the
building's common elements at the beginning of the current policy term
or the maximum building coverage limit available under the Act. whichever
is less; provided that the insurance under this policy shall be excess over
any insurance in the name of your condominium association covering the
same property covered by this policy; provided, your condominium dwelling
unit is a residence designed for principal use as a dwelling place for no
more than one family and jl is so described in the Application; provided
that, should the amount of insurance collectible under this policy for a loss.
when combined with any recovery available to you as a tenant in common
under any condominium association flood insurance coverage provided
under the Act for the same loss. exceed the statutorily permissible limits
of building coverage available for the insuring of single-family dwellings
under the Act. then the limits of building coverage under this policy shall
be reduced in regard to that loss by the amount of such e~cess;
2. Additions and extensions attached to and in contact with the dwelling;
3. Building equipment, fixtures and outdoor equipment used in connec-
tion with the dwelling while stored inside the dwelling or another fully en-
closed building at the property address;
4. Materials and supplies to be used in constructing. altering or repair-
ing the dwelling or another building insured by us at the property address
while stored inslde a fully enclosed building (i) at the property address or
(ii) on an adjacent property at the time of loss. or (Hi) in case of another
building at the propeny address which does not have walls on all sides,
while stored and secured to prevent flotation out of the building during
flooding (the flotation out of the building shall be deemed by you and us
10 establish the conclusive presumption that the materials and supplies were
not reasonably secured to prevent flotation, in which case no coverage is
provided for such materials and supplies under this policy).
S. As appurtenant structures. detached garages and carports located at
Ihe described premises. at your option at the time of loss. in an amount
up to 10% of the amount of insurance you have purchased 10 cover the dwell-
ing. including additions to the dwelling; to the extent you exercise this op-
tion, you reduce the amount of insurance available to cover loss relating
to A(l)(2)(3) and (4), above. to the dwelling and this option may not be
chosen so as to extend coverage to buildings: (i) occupied, rented or leased
in whole or in part for dwelling purposes (or held for such use). or (ii) used
in whole or in part for personal or commercial manufacturing or farming
purposes (or held for such uses). or (iii) which are boathouses.
6. A building in the course of construction before it is walled and roofed
subject to the following conditions: (i) the amount of the deductible for each
loss occurrence before the building is walled and roofed is two times the
deductible which is selected to apply after the building is walled and roof-
ed; (ii) coverage is provided before the building is walled and roofed only
while construction is in progress, or if construction is halted, only for .a
period of up to 90 continuous days thereafter. unlil conslrUCtion is resumed;
and (Hi) there is no coverage before the building is walled and roOfed where
the lowest floor, including basement floor. of a non-elevated building or
the lowest elevated floor of an elevated building is below the base flood
elevation in Zones AH. AE or AI-300r is below the base flood elevation
adjusted 10 include the effect of wave action in Zones VE or Vl.30. The
lowest floor levels are based on the bottom of the lowest horizontal StTUC.
tural member of the floor in Zones VE or V}-30 and the top of the floor
in Zones AH. AE or AI-30.
7. When the insurance under this policy covers a building. Ihe reasonable
expenses incurred by you for the purchase of (I) sandbags. mcluding sand
to fill them and plastic sheeting and lumber used in connection With them.
(ii) fiU for temporary levees. (iii) pumps, and (iv) wood, all for the pur-
pose of saving the building due to the imminent danger of a flood loss, in-
cluding the value of your own labor and the labor of members of your
household at prevailing Federal minimum wage rates, are a covered loss
in an aggregate amount up to the amount of the minimum building deducti-
ble. The policy's building deductible amount. as provided for at Article
VI. shall not be applied to this reimbursement. but shall be applied to any
other benefits under the policy's building coverage. For reimbursement
under this paragraph 7 to apply, the following conditions must be met:
(i) The insured property must be in imminent danger of sustaining Oood

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October 1992