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. A.(1)

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mortgagee or trustee. up to the amount of
your indebtedness. for 30 dayS after Written
notice to the mortgagee or trustee.
G. Policy Renewal: The term of this policy .
commences on its inception date and ends on
its ezpiTation date. as shown on the declaTQ-
tions page which is attached to the policy. We
are under no obligation to:
1. Send you any renewal notice or other no-
tice that your policy term is coming to an
end and the receipt of any such notice by
you shall not be deemed to be a waiver of
this provision on our part.
2. Assure that policy changes reflected in
endorsements submitted by you during the
policy term and accepted by us are included
in any renewal notice or new policy which we
send to you. .Policy cha.nges includes the ad-
dition of any increases in the amounts of
coverage.
This policy shall not be renewed and the
coverage provided by it shall not continue
into any successive policy term unless the re-
newal premium payment is received by us at
the office of the National Flood InsuTance Pre;-
gram Within 30 dayS of the erpiTation date of
this policy. subject to Article g. paragraph F.
above. If the renewal premium payment is
mailed by certified mail to the National
Flood Insurance Program prior to the ezpiTa-
lion date. it shall be deemed to have been re-
ceived Wi thin the required 30 days. The cov-
erage provided by the renewal policy is in ef-
fect for any loss occurring during this 3O-da.y
period even if the loss occurs before the re-
newal premium payment is received. so long
as the renewal premium payment is received
within the required 30 dayS. In all other
cases. this policy shall terminate as of the er-
piTation date of the last policy term for which
the premium payment was timely received
at the office of the National Flood InsuTance
Program and. in that event. we shall not be
Obligated to provide you with any cancella-
tion. termina.tion. policy lapse. or policy re-
newal notioe.
In connection with the renewal of this pol-
icy. YOU may.be requested during the policy
term to recertify. on a Recertification Ques-
tionnaire we Will provide you. the ra.ting in-
fonna.tion used to ra.te your most recent ap-
plication for or renewal of insurance.
Notwithstanding your responsibility to
submit the appropriate renewal premium in
sufficient time to permit its receipt by us
prior to the expiration of the policy being re-
newed. we have established a business pr0ce-
dure for mailing renewal notices to assist
Insureds in meeting their responsibility. Re-
garding our business procedure. evidence of
the placing of any such notices into the U.S.
Postal Service. addressed to you at the ad-
dress appearing on your most recent applica-
tion or other a.ppropriate form (received by
the National Flood Insurance Program prior to
the mailing of the renewal notice by us).
does. in all respects for purposes of the Na~

44 CFR Ch. I 00-1-97 EditiOn)

tional Flood InsuTance Program. presump-
tively establish delivery to you for all pur-
poses irrespective of whether you actnally
received the notice.
However. in the event we determine that.
through any circumstances. any renewal no-
tice was not placed into the U.S. Postal
Service. or. if placed. was prepared or ad-
dressed in a manner which we determine
could preclude the likelihood of its being ac-
tually and timely received by you prior to
the due date for the renewal premium. the
follOwing procedures shall be followed:
In the event that you or your agent noti-
fied us. not later than 1 year after the date
on which the payment of the renewal was
due. of a nonreceipt of a renewal notice prior
to the due date for the renewal premium.
which we determine was attributable to the .
above circumstance. we shall mail a second
bill providing a revised due date. which shall
be 30 dayS after the date on which the bill is
mailed.
If the renewal payment requested by rea-
. son of the second bill is not received by the
revised due date. no renewal shall occur and
the policy shall remain as an expired policy as
of the erpiTation date prescribed on the policy.
H. Conditicnu Suspending OT Restricting In-
SUTance: Unless otherwise provided in Writing
added hereto. we shall not be liable for loss
occurring while the hazard is increased by
any means Within your control or knowl-
edge.
I. AlteTaticnu and Repairs: You may. at any
time and at your own expense. make alter-
ations. additions and repairs to the insured
property. and complete structures in the
course of construction.
J. RequiTements in Case of Loss: Should a
flood loss occur to your insured property.
you must:
1. Notify us in Writing as soon as prac-
ticable;
2. As soon as reasonably possible. separate
the damaged and undamaged property. put-
ting it in the best possible order so that we
may examine it; and ..
3. Within 60 dayS after the loss. send us a
proof of loss. which is your statement as to
the amount you are claiming under the pol-
icy signed and sworn to by you and furnish-
ing us with the following infonna.tion:
a. The date and time Of the loss;
b. A brief explanation of how the loss hap-
pened:
c. Your interest in the property damaged
(for example. "owner") and the interest. if
any. of others in the damaged property;
d. The actual auh _ or replacement
cost. whichever is appropriate. of each dam-
aged item of insured property and the
amount of damages sustained:
e. Names of mortgagees or anyone else
having ..lien. charge or cla.im against the in-
sured property;

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