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

pt. 61, App. 11.(1)

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b. On an adjacent property at the time of
loss; or
c. In case of another building at the prop-
erty address which does not have walls on all
sides. while stored and secured to prevent
notation out of the building during nooding
(the notation out of the building shall be
deemed by you and us to establish the con-
clusive presumption that the materials and
supplies were not reasonably secured to pre-
vent notation. in which case no coverage is
provided for such materials and supplies
under this policy).
3. As appurtenant structures. detached ga-
l'lI8es and carports located at the described
premises. at your option at the time of loss.
in an amount up to 10 percent of the amount
of Insurance you have purchased to cover the
dwelling, inclUding additions to the dwelling.
By exercising this option. you reduce the
amount of insurance available to cover other
loss relating to Coverage A.
This option may not be used to extend cov-
erage to built1ings:
a. Occupied. rented or leased in whole or in .
part for d1Del/ing purposes (or held for such
use); or
b. Used in whole or in part for business or
farming.purposes (or held for such uses); or
c. Which are boathouses.
4. A building in the course of construction
before it is walled and Toofed subject to the
following conditions:
a. The amount of the deductible for each
loss occurrence before the builrling is walled
and Toofed is two times the deductible whiCh
is selected to apply after the building is
lPI%lled and Toofed;
b. Coverage is provided before the built1ing
is lPI%lled and Toofed only while construction
is in progress. or if construction is halted.
only for a period of up to 90 continuous days
thereafter. until constrUction is resumed;
and
c. There is no coverage before the building
is walled and Toofed where the lowest noor.
including basement floor. of a non-elevated
building or the lowest elevated noor of an ele-
vated building is below the base flood ele-
vation in Zones AH. AE or AI-3l or is below
the base flood elevation adjusted to include
the effect of wave action in Zones VE or Vl-
30. The lowest noor levels are based on the
bottom of the lowest hOrizontal structural
member of the noor in Zones VE or VI-30
and the top Of the Ooor in Zones AH. AE or
AI-3l.
B. Or. we cover your single-family dwelling
unit. inclUding impTovements therein owned
solely by you. in a condominium builrling. We
also cover your share of assessments made
against you as a tenant in common in that
building's common elements and the common
elements of any other building of your Con-
dominium As$ociation covered by insurance
that is:

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44 CFR Ch. I (10-1-97 EcIltIon)

1. In the name of your Condominium A$sa-
ciation:
2. Provided under the Act; and
3. In an amount at least equal to the actual
cash value of the building's common elements
at the beginning of the current policy term
or the maximum building coverage limit
available under the Act, whichever is less.
Provided. with respect to coverage for sin-
gle-family dweUing unit assessments:
1. Coverage is available only when each of
the unit owners comprising the membership
of the A$sociation are also assessed by reason
of. the same cause and provided the assess-
ment arises out of a t1iTect physical /oas by OT
from flood to the condominium building in
which your unit is located or to another con-
dominium building of the A$sociation, as to
which the condominium documents (Articles
of Association. Declarations. and your Deed)
impose upon you the responsibility for such
an assessment). The deductibles provisions of
ATticle 7 of this policy do not apply to assess-
ments.
2. .Assessments made by the A$sociation to
recoup the amount of a loss deductible in-
curred by the Association in connection with
any condominium building or contents policy
uf insurance are not covered.
3. AM- '. .ents made by the A$sociation in
connection with loss of or damage to per-
sonal property. including any contents of
any condominium building of the Association.
are not covered.
4. AMot"'''''mts made by the Association of a
condominium building are not covered if the
assessments are made to recoup loss not re-
imbursed to the A$sociation. under a policy of
insurance issued pursuant to the National
Flood Insurance Program. by reason of the
fact that the condominium building insured
under such policy was not. at the time of the
loss. insured in an amount equal to the less-
er of 80 percent or more of the fnll replace-
ment cost of the building or the maximum
amount of insurance available under the Na-
tional Flood Insurance Program.
C. And we cover fixtures including th" fol-
lowing items of property, if owned solely by
you. for which coverage is not pr017ided under
"Coverage B - Personal Property":
. Furnaces
. Wall mirrors permanently installed
. Permanently Installed Corner Cupboards,
Bookcases. Paneling. and Wallpaper
. Venetian Blinds
. Central AIr Conditioners
. Awnings and Canopies
. Elevator Equipment
. Fire Sprinkler Systems
. Built-in Dishwashers
. Garbage Disposal Units
. Outdoor Antennas and Aerials
. Pumps and Machinery for operating
them
. Carpet Permanently Installed Over Un-
finished Flooring

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