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

any endorsements which may be issued and any renewal certificates in-
dicating that coverage has been instituted for a new policy and policy tenn.
Only one building, specifically described by you in the application, may
be insured under this policy, unless application to cover more than one
building is made on a fonn or in a fonnat 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 huilding is located, whichever is later.
"Probation Additional Premium" means a flat charge per policy tenn
paid by the Insured on all new and renewal policies issued covering prop-
erty in a community that has been placed on probation under the provisions
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 walls and the roof is fully secured so that the building will resist
flotation, collapse and lateral movement.

ARTICLE ill-PERILS EXCLUDED

The Insurer shall not be liable for 1055:
A. By (I) rain, snow, sleet. hail or water spray; (2) freezing, thawing
or by the pressure or weight of ice or water, except where the property
covered has been simultaneously damaged by flood; (3) water, moisture
or mudslide (i.e., mudflow) damage of any kind resulting primarily from
conditions. causes or occurrences which are solely related to the described
premises or are within the control of the Insured (including but not limited
to design. sb uctural or mechanical defects, failures. stoppages or breakages
of water or sewer lines, drains, pumps, fixtures, or equipment) or any con-
dition which causes flooding which is substantially confuled to the described
premises or properties immediately adjacent thereto; or (4) seepage, backup
of water, <!r hydrostatic pressure not related to a condition of "flood" as
defined;
B. Caused directly or indirectly by (1) hostile or warlike action in time
of peace or war. including action in hindering, combating or defending
against an actual. impending or expected. attack, (a) by any government
or sovereign power (de jure or de facto), or by any authority maintaining
or using military, naval or air forces, or (b) by military, naval or air forces.
or (c) by an agent of any such government, power, authority or forces,
it being understood that any discharge, explosion or use of any weapon
of war employing nuclear fission or fusion shaH be conclusively presumed
to be such a hostile or warlike action by such a government. power, authority
or forces; (2) insurrection, rebellion, revolution, civil war, usurped power,
or action taken by governmental authority in hindering, combating or defend-
ing against such an occurrence;
C. By nuclear reaction or nuclear radiation or radioactive contamina-
tion, all whether controlled or uncontrolled, or due to any act or condition
incident to any of the foregoing, whether such loss be direct or indirect.
proximate or remote, or be in whole or in part caused by, conlributed to,
or aggravated by the peril insured against by Ibis policy;
D. By theft, fire, windstonn, wind. explosion, earthquake,landsinkage.
land subsidence, landslide, destabilization or movement of land resulting
from the accumulation of water in subsurface land areas. gradual erosion,
or any other earth movement except such mudslides (i.e., mudflows) or
erosion as is covered under the peril of flood;
E. Caused by or resulting from power, heating or cooling failure, unless
such failure results from physical damage to power. heating or cooling equip-
ment situaled on premises where the property covered is located. caused
by the peril insured against;
F. Caused intentionally by the Insured;
G. Which is already in progress as of 12:01 a.m. of the first day of the
policy tenn;
H. From a flood which is confined to the premises on which the insured
property is lOCated unless the flood is displaced over two acres of the in-
sured premises;
I. Caused by any modification by the Insured to the insured property or
the described premises on which the insured property is located which
materially increases the risk of flooding;
J. To any building or contenls located on property leased from the Federal
Government, arising from or incident to the flooding of the property 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 property by the Federal Government.

POL 26

AKl'ICLE IV-PROPEIITY COVERED
(Subject to uProperty Not Covered" Provisions)

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A. Building: I. When the insurance under this policy covers a building,
such insurance shall include additions and extensions attached thereto; per-
manent fixtures, machinery and equipment forming a part of and pertain-
ing to the service of the building; personal property of the Insured as landlord
used for the maintenance or service of the building including fire ex-
tinguishing apparatus, floor coverings, refrigerating and ventilaling equip-
menl, all while within the described building; also. materials and supplies
while within an enclosed slructure localed on the described premises or
adjacent thereto, intended for use in conslruction, alteration or repair of
such building or appurtenant private structures on the described premises.
2. When the insurance under this policy covers a building in the course
of cOnsIrUction, such insurance shall apply before the building is walled
and roofed subject to the following conditions: (i) the amount of the deduc-
tible 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 roofed; (ii) coverage is provided before the building is walled and roofed
only while construction is in progress, or if construclion is halled, only
for a period of up to 90 continuous days thereafter, until construction is
resumed; and (iii) there is no coverage before the building is walled and
roofed where the lowesl 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 A 1-30 or 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
structural member of the floor in Zones VE or Vl-30 and the top of the
floor in Zones AH, AE or Alw30.
3. When the insurance under this policy covers a building, the reasonable
expenses incurred by the Insured for the purchase of (i) sandbags, including
sand to fill them and plastic sheeting and lumber used in connection with
them. (ii) fill for temporary levees, (iii) pumps, and (iv) wood, all for the
purpose of saving the building due to the inuninent danger of a flood loss,
are a covered loss in an aggregate amount up to the amount of the minimum
building deductible. The policy's building deductible amount, as provided
for herein UDder "DEDUCTIBLFS," shall not beapplied 10 this reimburse-
ment, but shall be applied 10 any other benefits under the policy's building
coverage. For reimbursement under this paragraph 3 to apply, the follow-
ing conditions must be met:
(i) The insured property must be in imminent danger of sustaining flood
damage; and
(ii) The threat of flood damage must be of such imminence as to lead
a person of common prudence to apprehend flood damage; and
(iii) A general and temporary condition of flooding in the area must oc-
cur, even if the flooding does not reach the insured property, or Ii legally
authorized official must issue an evacuation order or other civil order for
the community in which the insured property is located callirig for measures
10 preserve life and property from the peril of flood.
B. CODtents: When the insurance under this policy covers contents,
coverage shall be for either household conlenls or other than household
contenls. but not for both.
I. When the insurance under this policy covers other 1:han hClllSliehold con-
tentS, such insurance shall cover merchandise and stock.. materiais 8nd stock
supplies of every description, furniture, fixtures, machinery and equipment
of every descriplioo all owned by !he lnsored; improvements and IiiIllerrnenlS
(as hereinafter defined) to the building if the Insured is not the, OWner of
the building and when not otherwise covered; all while within the described
enclosed building. Bailees' goods are specifically excluded from coverag~
under this policy.
2. When the insurance under this policy covers household contents, such
insurance shall cover all household and personal property usual or incidental
10 the occupancy of the premises as a residence--ex.cept animals, birds,
fish, business property, other property not covered under the provisions
of this policy, and any property more specifically covered in whole or in
part by other insurance including the peril insured against in this policy;
belonging to the Insured or members of the Insured's family of the same
household, or for which the Insured may be liable, or, al the option of the
Insured, belonging 10 a servant or guest of the Insured; all while within
!he described building.
The Insured, if not the owner of the described building, may apply up
to 10% of the amount of insurance applicable to Ibe household contents
covered under this item. nol as an additional amounlof insurance, to cover

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October 1992