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Federal Emergency Management Agency property and machinery and equipment. wbich are part of the building or unit, wbere more than 49 percent of the actual cash value of such building or unit is below ground. un- less the lowest level is at or above the base flood elevation (in the Regular Program) or the adjacent ground level (in the Emergency Program) by reason of earth having been used as an insulation material in conjunc- tion witb energy efficient building tech- niques. R. Certain manufactuTed homes. meaning a manufacluTed (i.e.. mobile) home located or placed Within a F'EMA designated Special HazaTd ATea that is not anchored to a perma- nent foundation to resist flotation. collapse. or lateral movement: 1. By over-the-top or frame ties to ground ancbors; or 2. In accordance with manufacturer's speci- fications; or a. In compl1ance with the community's floodplain management requirements; unless it 15 a manufacluTed (Le.. mobile) home on a permanent foundation continuously in- sut'ed by the National Flood InsuTance Pro- grlJ7n at the same Site at least since Septem- ber 30. 1982. 1. Containers such as but not limited to gas tanks or l1quid tanks. J. BuUdtngs and theiT contents made ineli- gible for flood. insurance pursUllDt to the pro- vi$ions of the Coastal Barrier Resources Act. 16 U.S.C. 3501 et seq.. and the Coastal Barrier Improvement Act of 1990. Pub. L. 101-591. 16 U.S.C. 3501 et seq. Article 7-Deductibles A. Each loss to your insured property 15 SUbject to a deductible provision under wblch you bear a portion of the loss before payment 15 made under the policy. B. The loss deductible shall apply sepa- rately to each building and personal property loss including. as to each. any appurtenant structure loss and debris removal expense. C. For any flood insurance policy issued or renewed for a property located in an Emer- gency Program cmnmunity or for any property located in a RegulaT Program community in Zones A. .'1.0. AH. .'1.1-30. AE. VO. Vl-30. VE. or V where the rates available for buildings built before the effective date of the initial Flood Insurance >tate Map or December 31. 1974. wblchever is later. are used to compute the premium. the amount of the deductible for each loss occurrence 15 determined as fol- lows; We shall be liable only wben such loss exceeds 5750.00. or the amount of any blgber deductible whicb you selected wben you ap- Plied for this policy or subsequently by en- dorsement. D. For policies other than those described in paragraph C. above. the amount of the de- ductible for each loss occurrence 15 deter- mined as follows: We shall be li&ble only Pl. 61, App. A(1) wben such loss exceeds $500.00. or the amount of any bigher deductible wbich you selected when you applied for this :policy or subse- quently by endorsement. E. Notwithstanding the applica.ble deduct- ible in paragraphs C. or D. above. an addi- tional deductible in the SWII of S250.00 shall apply separately to each building and con- tents loss before payment 15 made under the policy for land subsidence. sewer backup. or seepage of water as provide'l for in ATticle 3. paragrapb B.3. ATtiCZe t-Replacement C,'st Provisions Subject to ATticle 7 and tbo limits of build- ing coverage you have purchased. these pro- visions shall apply only to a single family dwelling ...hich is your principal residence and which is covered under this policy. For purposes of th15 ATticl,' 8, a single fam- ily dwelling qualifies as your princiPal resi- dence provided that. at the time of the loss. you or your spouse have li.'ed in your build- ing for either: 1. 80 percent of the calendar year imme- diately preceding the loss; or 2. 80 percent of the period of your owner- ship of the insured building, if less than one calendar year immediately preceded the loss. The following are exclud.ed from replace- ment cost coverage: 1. A unit. in a ct>ndtnninium building. not ~ exclusively for singl.. family dwelling purposes. 2. Outdoor antennas and aerials. awnings. and other outdoor equipment. all whether at- tached to the building or not. 3. Carpeting. 4. Appliances. Under this Article: A. If at the time of loss the total amount of insurance applicable to the dwelling is 80 percent or more of the full replacement cost of such dwelling. or is the maximum amount of insurance available UIlder the Natitm41 Flood InsuTance Program. the coverage of this polley appl1cable to the du>elling 15 ~nded to include the full cost of repair or replace- ment (without deduction fe,r depreciation). B. If at the time of loss the total amount of insurance applicable to <.he dwelling is less than 80 percent of the full replacement cost of such dwelling and less than the maximum amount of insurance available under the Na- tional Flood InsuTa>u:e Program. our liability for loss shall not exceed the larger of the fol- lowing amounts: 1. The actucl cash value (meaning replace- ment cost less depreciation) of that part of the dwelling damaged or destroyed; or 2. Th&t portion of the full cost of repair or relllacement Without deduction for deprecia- tion of that part Of the rtlDfllling d&maged or destroyed. which the total amount of insur- ance applica.ble to the dwelling bears to 80 percent of the full replacement COSt of such ctlDeUing. 265 . -. '-