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

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notice. In no evenl shall the resulting coverage limits exceed the statutorily
permissible limits of coverage under the Act or the Insured's insurable in.
terest, whichever is less. The Insurer shall make a refund to the Insured,
according to applicable NFIP rules. ofthe premium for the policy not be-
ing kept in effect. For purposes of this paragraph X. the term "effective
date" means the dale coverage thai has been in effect without any lapse
was first placed in effect. In addition to the provisions of this paragraph
X for increasing policy limits. the usual procedures for increasing limits
by mid-term endorsement or at renewal time, with the appropriate waiting
period. are applicable to the policy the Insured chooses to keep in effect.

ENDORSEMENT I
CONDOMINIUM ASSOCIATION ENDORSEMENT

If the named Insured on this policy is a condominium association, then
at the time of loss by flood the following terms. subject to all other provi.
sions of the policy, will apply:
I. The building coverage of this policy, subject to the stated limits will
cover damage to all building items covered under this policy and owned
in common by the condominium association members.
2. The building coverage ofthis policy, subject to the stated limits, is
extended to cover damage to all structural items within the individual con-
dominium units, including walls. floors. ceilings, and their related cover.
ings. such as paint, paper. paneling, carpeting, and tile, Also covered are

IN WITNESS WHEREOF, the Insurer has executed and attested these presents.

installed appliances for heating. cooling. plumbing and electrical purposes.
The structural items may be original installations or replacement or addi.
tional items.
3. The building coverage outlined in paragraph 2 above has application
only to the eXlent that the policy's stated limits have not been exhausted
under paragraph I.
4. The policy deductible relating to the building coverage shall be ap-
plied against the total damage to all of the building's structural elements
and nOl against the covered loss. and shall not be applied separately in the
case of each unit sustaining damage.
5. The contents coverage of this policy covers damage. subject to the
stated limits. to all contents items owned in common by the association
members and contained in the insured building or removed therefrom in
accordance with the policy's terms.
6. The policy deductible relating to contents coverage shall be applied
against the total damage to all contents owned in common by the con-
dominium association members and contained in the insured building or
removed therefrom in accordance with the policy's terms and not against
the covered loss.
7. Loss under this endorsement shall be adjusted with the condominium
association and shall be payable to the insurance truslee of record. as
designated by the association.
8. The Insurer shall not be liable for any loss or any portion of any loss
for which payment is made under any insurance in the name of any con.
dominium unit owner. i.e.. any member of the condominium association.

-t1h~JtZ#..a:

c. M. "BUD" SCHAUERTE
AdministratOr,
Federal Insurance Administration

PROCEDURES IN CASE OF A FLOOD
For the protection of you and your family. the following tips are suggested as guidelines by the National Flood Insurance Program, If you are
ever in doubt as to what action is needed. consult your insurance agent or caD the NAP toll-free at 1~20 oron the TDD line 1-800-447-9487.
Know your agent's name and phone number. List them here for fast reference:

Agent

Phone Number

. Please notify your insurance agent as soon as possible after the flood;
. Remind your agent to assign the claim to an approved NFIP claims adjusler;
. Determine the independent claims adjuster assigned 10 your claim and contact him if you have not been contacted within 24 hours after you reported
the claim to yoor insurance agent: the NFIP pays for the services of the independent claims adjuslef"assigned to your claim.
. As soon as possible separale the damaged property from undamaged property and store all propeny so it can be inspected and evaluated;
. Discuss with the adjuster any need you may have for an advance or partial payment of your loss;
. In order to help the claims adjuster, try to take pictures of the outside of the premises showing the flooding and the damage and similar pictures
of the inside of the premises showing the height of the waler and the damaged property;
. Place all books. records. receipts and any other loss verification material in a safe place for examination and evaluation by the claims adjuster:
. Work cooperatively and promptly with the claims adjuster to determine and document all claim items; be prepared to advise the claims adjuster
of the cause and responsible party(ies), if flood was caused by OIher than natural cause;
. Make certain the claims adjuster fully explains all allowances and procedures for processing claim payments. based on your Proof of Loss, which
t~e policy requires you to send us within 60 days of the loss; and
. Any and all coverage problems and claim allowance restrictions must be communicated directly from the NFIP-c1aims adjusters have no authority
to approve or deny claims and only report to the NFIP on lhe elements of flood cause and damage.

FEMA Form No. 81.33 (12190)

October 1992

593.90S4A (12190)

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