FLOOD08304

• County: Statewide
• Basin: Statewide
• Title: Federal Emergency Management Agency
• Date: 5/1/1998
• Prepared By: FEMA
• Floodplain - Doc Type: Historic FEMA Regulatory Floodplain Information

Federai Emergency Management Agency

Special hazard area means an area having
special flood. mudslide. (i.e.. mudflow) and/or
flood-related erosion hazards. and shown on a
FHBM or FIRM as Zone A. .'1.0. .'1.1-30. .'I.E.
.'1.99. AH. AR. VO. VI-3D. VE. V. M or E.
Unit means a single family dwelling unit.
owned by the named Insured. in a condomin-
ium building.
Valued policy means a policy contract in
which the Insurer and the Insured agree on
the value of the property insured. that value
being payable in event of total loss.
Walled and Roofed means the building has
in place two or more exterior. rigid walls and
the roof is fully secured so that the building
will resist flotation. collapse and lateral
movement.

ATticle 3-Lo:ses Not CoveTed

We only provide coverage for diTect physical
loss by OT from flood which means we do not
cover:
A. Compensation, reimbuTsement OT allowance
fOT:
1. Loss of use of the insured property or
premises.
2. Loss of access to the insured property or
premises.
3. Loss of profits.
4. Loss reSUlting from interruption of busi-
ness, profession. or manufacture.
5. Your additional living expenses incurred
while the insured building is being repaired
or is uninhabitable for any reason.
6. Any increased cost of repair or recon-
struction as a result of any ordinance regu-
lating reconstruction or repair except as pro-
vided in Coverage D-Increased Cost of Com-
pliance.
7. AnY other economic loss.
B. Losses from other casualties, including loss
caused by:
1. Theft. fire. windstorm. wind. explosion.
earthquake. land sinkage. landslide. desta-
bilization or movement of land resulting
from the accumulation of water in sub-
surface 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.
2. Rain. snow. sleet. hail or water spray.
3. Land subsidence. sewer backup. or seep-.
age of water unless. subject to additional
deductibles as provided for at Article 7. (a)
there is a general and temporary condition
of nooding in the area. (b) the flooding is the
proximate cause of 'the land subsidence,
sewer backup. or seepage of water. (c) the
land subsidence. sewer backup. or seepage Of
water damage occurs no later than 72 hours
after the flood has receded. and (d) the in-
sured building must be insured. at the time of
the loss. for at least 80 percent of its replace-
ment cost or the maximum amount of insur-
ance available under the National Flood in-
surance Program.

pt. 6\, App. A(1)

4. Freezing. tbawing, or the pressure or
weight of ice or water.
5. \Vater. moisture. mildew, mold or
mudslide (i.e.. mud flow) damag.e resulting
primarily from any condition substantially
confined to the described dwell;:ng or from
any condition which is within your control
(including but not limited to design. struc.
tural or mechanical defects. fallures. stop-
pages or brea.kages of water or sewer lines.
drains. pumps. fixtures or equipment).
C. Losses of the following natuTe:
1. A loss which is already in progress as of
12:01 a.m. of the first day of tile policy term.
or. as to any increase in the limits ot cov-
erage which is requested by you. a loss which
is already in progress as of 12:01 a.m. on the
date when the additional coverage becomes
effective.
2. A loss from a flood which. is confined to
the premises on which your it.sured 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 which materially in-
creases the risk of flooding.
4. A loss caused intentiona.lly by you or
any member of your householll.
5. A loss caused by or resultmg from power.
heating or cooling failure. unless such fail-
ure results from physical damage to power.
heating or COOling equipment situated on the
premises where the described building Or unit
is located. caused by a flood.
6. Loss to any building or contents located
on property leased from the Federal Govern-
ment. arising from or incide"t to the flood-
ing of the property by the Federal Govern-
ment. where the lease expressly holds the
Federal Government harmless. under flood
insurance issued under any Federal Govern-
men t program, from loss ariHing from or in-
cident to the flooding of the property by the
Federal Government.

Article 4-Property COVeTed (S"biect to ATticles
3, 5, and 6 Provisions. Which Also Apply to
the Other Articles, Terms alld Conditio1Ul of
This Policy. Including the Insuring Agree-
ment)

. .

CtroeTage A-Building Property

SUbject to paTagraph C. below. we cover
your dwelling which includes:
A. A residential building, not a condomin-
ium. designed for principal use as a dwelling
place for no more than four families. includ-
ing:
1. Additions and extensillns attached to
and in contact with the dwelling by means of
a common wall (but see ATticle 6. paragraph
D.2.).
2. Materials and su):Jplies to be used in con-
structing. altering or repairing the dwelling
or an appurtenant structure while stored in-
side a folly enclosed building:
a. ....t the property address: or

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