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

waves or currents of water exceeding the cy-
clical levels which result in flooding 8.S de-
fmed in subparagraph A-I above.
Improvements means fixtures. alterations.
or additions comprising a part of the insured
building.
ManufactuTed home means a building trans-
portable in one or more sections. which is
built on a permanent cbassis and designed to
be used with or without a permanent founda-
tion when connected to the required utili-
ties. The term manufactuTed home does not
include park trailers. and other similar vehi-
cles. To be eligible for coverage under this
policy. a manufactured home must be on a per-
manent foundation and. if located in a
FEMA designated Special HazaTd ATea. must
meet the requirements of paragraph H. of AT-
ticle 6.
Mobile home means a manufactuTed home.
National Flood InsuTance Program means the
program of flood insurance coverage and
floodplain management administered under
the Act and applicable Federal regula.tions in
Title 44 of the Code of Federal Regula.tioD3.
Subchapter B.
Policy means the entire written contract
between the Insured and the Insurer. includ-
ing this printed form. the appliQ1tion. and
declaTations page. any endorsements which
ma.y be issued and any renewal certificates
indicating tha.t coverage bas been instituted
for a new policy and policy term. Only one
building. specijjcal/y described by the Insured in
the application. may be insuTed under this pol-
icy. unless application to COVeT mOTe than one
builai'ng ;" made on a form (fr in a format ap-
proved fOT that purpose by the Federal InsuT-
= AdministTatOT.
Post-FIRM building means a building for
which the start of construction or substan-
tial improvement occurred a.fter December
31. 1974. or on or after the effective date of
the initial Flood Insurance Rate Map (FIRM)
for the community in which the building is
located. whichever is later.
Pre-FIRM Tared building means a building
for which the start of construction or sub-
stantial improvement occurred on or before
December 31. 1974. or before the effective
date of the initial FIRM for the community
in which the building is located. whichever is
later.
Probation Additional Premium means a nat
charge per policy term paid by the Insured on
all new and renewal policies issued covering
property in a community tha.t bas been
placed on probation under the provisions of
44 CFR 59.24.
Regu/aT ProgTam Community means a com-
munity wherein a FIRM is in effect and full
limits of coverage are ava.ila.ble under the
Act.
Residential Condominium Building means a
building owned by the members of a con-
dominium association containing one or more
residential units and in which at least 75% of

pt. 61. App. A(2)

the noor area within the build'ing is residen-
tial.
Special hazaTd aTea means an area having
special flood, mudslide (Le.. mlldOow). and/or
flood-related erosion hazards. ..nd shown on a
FHBM or FIRM 8.S Zone A. AO, .'1.1-30. .'I.E.
.'1.99. AH. AR. VO. VI-30. VE. V. M or E.
Unit means a unit in the insured Condomin-
ium Building.
Valued policy means a polic'Y contract in
which the Insurer and the Inaured agree on
the value of the property insured. that value
being payable in event of total loss.
Walled and Roofed means tile building bas
in place two or more exterior. rigid walls and
the roof is fully secured so that the building
will resist flotation. collapo;.e and lateral
movement.

Article 3-Losses Not COVeTed

The Insurer only provides coverage for di-
Teet physical loss by OT from flo<.d which means
the following are not covered:
A. Compensation, TeimbuTSe>7U",t OT allowance
fOT:
1. Loss of use of the insured property or
premiseS.
2. Loss of access to the insured property or
premiseS.
3. Loss of profits.
4. Loss resulting from interruption of busi-
ness. profession. or manufacture.
5. Any additional expenses incurred while
the insured building is being repaired or is
uninhabitable for any reason.
6. Any increased cost of ""pair or recon-
struction 8.S a result of any (,rdinance regu-
lating reconstruction or repair except 8.S pro-
vided in Coverage D- Increased Cost of Com-
pliance.
7. Any other economic loss.
E. Losses from other casualties. including loss
caused by:
1. Theft. fire. windstorm. ,,'indo explosion.
earthquake. land sinkage. landslide. desta-
bilization or movement of land resulting
from the accumulation of water in ,sub-
surface land areas. gradual "rosion. or any
other earth movement except such mudslides
(Le.. mudflows) or erosion as is covered
under the peril of flood.
2. Rain; snow. sleet. hail or water spray.
3. Land subsidence. sewer backup. or seep-
age of water unless. subjecl, to additional
deductibles as provided for at Article 7. (a)
there is a general and temporary condition
of nooding in the area, (b) thE' flOOding is the
proximate cause of the land subsidence.
sewer backup. or seepage of water. (c) the
land subsidence. sewer backup. or seepage of
water damage occurs no late." than '12 hours
after the flood bas receded. and (d) the in-
sured building must be insured. at the time of
the loss. for at least 80 percent of its replace-
ment cost or the maximum amount of insur-
ance available under the National Flood In-
surance ProgTam.

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