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

Federal Emergency Management Agency

(b) Unless the covered building is elevated.
floodproofed. demolished. or relocated as
soon as reasonably possible after the loss.
not to exceed two years.
(6) For any code upgrade requirements.
e.g.. plumbing or electrical wiring. not spe-
cifically related to the State or loca.l Dood-
plain management law or ordinance.
(7) For any compliance activities needed to
bring additions or improvements made after
the loss occurred into compliance with State
or local flOOdplain management laws or ordi-
nances.
(8) Loss due to any ordinance or law that
you were required to comply with before the
current loss.
(9) For any rebuilding activity to stand-
ards that do not meet the NFIP's minimum
requirements. This includes any situation
where the insured has received from the
State or community a variance in connec-
tion with the current flood loss to rebuild
the property to an elevation below the base
Dood elevation.
(10) Increased cost of compliance for appur- ,
tenant structure(S).
(11) For any structure insured under a
Group Flood Insurance Policy issued pursu-
ant to 44 CFR 61.17.
(12) AssesSments made by a condominium
association on individual condominium unit
owners to pay increased costs of repairing
commonly owned buildings after a Dood in
compliance with State or loca.l floodplain
management ordinances or laws.
Other PTovisions
(1) Increased Cost of Compliance coverage
will not be included in the calculation to de-
termine whether coverage meets the 80% in-
surance-to-value requirement for rel>lace-
ment cost coverage under Article 8 or for
payment under Article 3.B.3 for loss from
land subsidence. sewer backup. or seepage of
water.
(2) All other condi tions and provisions of
the policy apply.

Article !>-Special PTovisions Applicable to
Coverages A. B, and C

A. Condominium unit owner coverage is ercess
over Association COVeToge. The insurance
under this policy shall be excess over any in-
surance in the name of your Condominium As-
sociation covering the same property covered
by this policy. Loss shall not be paid under
"Coverage A-Building Property", paragraph
B.. and under "Coverage B-Personal Prop-
erty" until we have v.erified the extent to
which loss to improvements and personal
property within your unit. and to the com-
mon elements of your building or any other
building of your Condominium Association. is
covered by any insurance in the name of
your Condominium Association.
Should the amount of insurance collectible
under this policy for a loss. when combined
with a.t1Y recovery a.vaila.ble to you as a ten~

pt. 61, App. Am

ant in common under any Ccmdo7lliniwn Asso-
ciation flood insurance policy provided under
the Act for the same loss. excee:l the statu-
torily permissible limits of buildmg coverage
available for the insuring of Single-family
dwellings under the Act. then tl1e limits of
building coverage under this policy shall be
reduced in regard to that loss by the amount
of such excess.
B. This policy is not a valued policy. Loss
will be paid. provided you have purcbased a
sufficient amount of coverage, i..e.. in an
amount equal to the lesser of l;be value of
the damaged property under th e terms and
conditions of this policy (and regardless of
whether the amount of insurance purchased
is greater than such value) or the limit of
coverage permitted under the Act.
C. InsuTed PToperty, Covered Lo<:ations. Your
dwelling and personal property are covered
while the property is located:
1. At the property address shown on the ap-
plication or endorsement. if cont!Cted by en-
dorsement: and
2. For 45 days. at another place above
ground level or outside of the special hazaTd
area. to which any of the insured property
shall necessarily be removed by you in order
to protect and preserve it from flood. due to
the imminent danger of flood (provided. per-
sonal property so removed must be placed in
a fully enclosed building or otherwise reason-
ably protected from the elements to be in-
sured against loss), in which case the reason-
able expenses incurred by you. including the
value of your own labor and the labor of
members of your household at prevailing
Federal minimum wage rates. in moving any
of your insured property temporarily away
from the peril of flood shall be reimbursed to
you in an amount not to exceed $500. This
pOlicy's deductible amounts. as provided for
at Article 7. shall not be applied to this reim-
bursement.
D. Coverage FOT Certain Loss Mitigation
MeasuTes. When the insurance under this pol-
icy covers a building. reasonablE' expenses in-
curred by you for the purchase of the foltbw-
ing items are also covered. in an aggregate
amount not to exceed $'750.00:
1. Sandbags. including sand to fill them
and plastic sheeting and lumber used in con-
nection with them:
2. Fill for temporary levees:
3. Pnmps; and
4. Wood;

all for the pnrpose of saving the building due
to the imminent danger of a ,nood loss. in-
cluding the value of your own labor and the
labor of members of your hou.<;ehold at pre-
vailing Federal minimum wage rates.
The policy's building deductible amount. as
provided for at Article 7. shall not be applied
to this reimbursement.
For reimbursement under this pa.ragraph
D. to apply. the folloWing conditions must be
met:

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