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

Federa! Emerge;')::y Mcnogemeni Agen::y

. Built-in Micro\\"aYe O\.ens
. Hot \,'ater Heaters. Including Solar
\Vater Heate~
. Ranges and Stoves
. Radiators
. Kitchen Cabinets
. Light Fixtures
. Plumbing Fixtures
. Refrigerators

Coverage B-Personall'Toperty

A. Subject to paragraphs B. and C. below. we
cover personal property:
1. Owned by you as contents incidental to
the occupancy of the building.
2. Owned by members of your family in
your household.
3. At your option and within the limits of
personal property coverage you have pur-
chased. owned by your guests and servants.
Such personal property is covered while
stored:
a. Within your dwelling;
b. Within a fully enclosed building at the
property address:
c. Within a building having in place two or
more rigid walls and a fully secured roof if
the contents are secured to prevent notation
out of the building during flooding. The nota-
tion out of the building during nooding of
any such contents shall be deemed to estab-
lish the conclusive presumption that the
contents were not reasonably secured to pre.
vent notation; or
d. At a temporary location. as expressly
authorized under this policy (see Article 5.
paragraph C.2.).
B. Coverage. under this "Coverage B-Per-
sonal Property." includes the following prop-
erty if owned solely by you. for ,,'hioh cov-
erage is not provided under "Coverage A-
Building Property":
. Clothes Washers
. Clothes Dryers
. Food Freezers
. Air Conditioning Units
. Portable Dishwashers
. Carpet. including wall-to-wall carpet.
over fmished nooring and whether or not it
is permanently installed
. Carpet not permanently installed over
unfinished flOOring
. Outdoor equipment and furniture stored
inside the dwelling or another fully enclosed
building at the property a.ddress
. Por....ble microwave ovens and "cook-
out" grills, ovens and the like
C. Limitations. Under this "Coverage B-
Personal Propert,'" we shall not reimburse
you for loss as to:
1. Personal property owned by you in com-
mon With MY unit owners comprising the
membership of a Condominium Association.
2. The follOwing personal property to the
extent the loss to anyone or more of such
property exceeds. individually or in total.
S250 .00:

Pi. 61, Ap;;. A(1)

. Artwork. including but n,)t limited to.
paintin~s. etchings. pictures. tapestries. art
glass windows including their fmmes. statu-
ar~:. ma!'bles. and bronzes;
. Rare books;
. Necklaces, bracelets. gems. precious or
semi-precious stones. watchE~s. articles of
gold. silver. or platinum; or
. Furs or any article containing fur which
represents its prinCipal value.

Coverage C-DebTis Removal

Within the limits of your coverage. we
cover any expense you incur. including the
value of your own labor and the labor of
members of your household at prevailing
Federal minimum wage rate". as a result of
removing debris of. on or fNm the insured
property so long as the debris problem was
directly caused by a flood. Under these provi-
sions coverage extends to:
A. Non-owned debris from beyond the
boundaries of the described premises which
is physically on the insnred property.
B. Parts of the insured property which is
anywhere:
1. On the described premises: and
2. On property beyond the boundaries of
the described premises.

Coverage D-lncreased Cost of Compliance
CoveTage

Increased Cost of Compliance coverage
(Coverage D) is for the consequential loss
brought on by a floodplain management ordi~
nance or law affecting repair and reconstruc-
tion involving eleva.tion. floodproofing. relo~
cation. or demolition (or 2.Ily combination
thereof) of a strUcture. aft.er a direct loss
caused by a "nood" as defmed by this policy.
(Floodproofing activities eligible for Cov-
erage D and referred to hereafter in this pol-
icy are limited to residential structures with
basements that satisfy the criteria of 44 CFR
60.6 (b) or (c) and to non-residential struc-
tures.)
The limit of liability unc,er this Coverage
D (Increased Cost of Compli.ance) will not ex-
ceed SI5.ooo. This coverage is only applicable
to policies with building coverage (Coverage
A) and is in addition to the Building limit
you selected on your app1ication. and ap.-
pears on the Declarations Page. No separate
deductible appli.es. The maximum amount
collectible under this poli.oy for both Cov-
erage A (Building Property) and Coverage D
(Increased Cost of Compliance). however.
cannot exceed the maximum permitted
under the Act.
Eligibility
A structure covered un,ier Coverage A-
Building Property-sustaining a loss caused
by a ,'nood" as defined by this poli.cy must:
1. Be a st!Ucture that u; a repetitive loss
structure. A repetitive loss stTuctuTe means a

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