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pt. 61, App. A(2) property. Loss shall not be paid under this policy until the Insurer has verified the ex- tent to which such loss is covered by any in- surance in the name of a condominium asso- ciation. . Coverage C-Debris Removal This insurance covers expense incurred in the removal of debris of. or on. or from the building or personal property covered here- under. which may be occasioned by loss caused by a flood. Under these ]l1'Ovisions coverage extends to: 1. Non-owned debris from beyond the boundaries of the described premises which is physically on the insured property (i.e.. on the building or the personal property). 2. Parts of the insured property anywhere: a. On the described premiseS; and b. On property beyond the boundaries of the described premises. The total liability under this policy for both loss to property and debris removal ex- pense shall not exceed the amount of inSUr- ance applying under this policy to the prop- erty covered. Coverage D-Increased Cost of Complillnce Coverage 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 elevation. floodproofmg. relo- cation. or demolition (or any combination thereof) of a structure. after a direct loss caused by a "flood" as defined 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 under this Coverage D (Increased Cost of Compliance) will not ex- ceed $15.000. This coverage is only applicable to policies with building coverage (Coverage A) and is in addition to the Building limit you selected on your application. and ap- pears on the Declarations Page. No separate deductible applies. The maximum amount collectible under this policy 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 under Coverage A- Building Property-sustaining a loss caused by a "nood" as defined by this policy must: 1. Be a strUcture that is a repetitive loss structure. A repe!iti1le loss structure means a strUcture. covered by a contract for flood in- surance issued pursuant to the Act. that bas incurred flood-related damage on 2 occasions during a ID-year period ending on the date of 44 CFR Ch. I (UH-97 Ec:lffion) the event for which a second claim is made. in which the cost of repairing the flood dam- age. on the average. eqnaled or exceeded 25% of the market value of the structure at the time of each such flood event. In addition to the current claim. the National Flood Insur- ance Program must have paid the previous qualifying claim. and the State or commu- nity must have a cumulative. substantial damage provision or repetitive loss provision in its flood plain management law or ordi- nance being enforced against the structure; or 2. Be a strUcture that bas had flood damage in which the cost to repair equalS or exceeds 50% of the market value of the structure at the time of the flood event. The State or community must have a substantial damage provision in its floodplain management law or ordinance being enforced against the structure. This Coverage D will not pay for Increased Cost of Compliance to meet State or commu- nity floodplain management laws or ordi- nances which exceed the minimum criteria at 44 CFR 60.3. except as provided in 1. above or a. or b. as follows: a. Elevation or floodproofmg in any riSk zone to preliminarY or advisory base flood elevations provided by FEMA which the State or local government bas adopted and is enforcing for flood-damaged strUctures in such areas. (This includes compliance activi- ties in B. C. X. or D zones which are being changed to zones with base flood elevations. This also includes compliance activities in zones where base flood elevations are being increased. and a flood-damaged structure must comply with the higher advisory base flood elevation.) Increased Cost of Compli- ance coverage does not respond to situations in B. C. X. or D zones where the community bas derived its own elevations and is enforc- ing elevation or floodproofing requirements for flood-damaged strUctures to elevations derived solely by the community. b. Elevation or floodproofing above the base flood elevation to meet State or l~ ufreeboard" requirements. i.e.. that a struc- ture must be elevated above the base flood elevation. Under the minimum NFIP criteria at 44 CFR 6O.3(b)(4). States and communities must require the elevation or floodproofing of strUctures to the base flood elevation where elevation data are obtained from a Federal. State. or other source. Such compliance ac- tivities are also eligible for this Coverage D. This coverage will also pay for the incre- mental cost. after demolition. or relocation. of elevating or floodproofing a structure dur- ing its rebuilding at the same or another site to meet State or local floodplain manage- ment laws or ordinances. subject to Exclu- sion (7). This coverage will also pay to bring a flood-damaged structure into compliance 276 .. .' . .. .. .. .. ...:;......... '-.- . ",- '., .... . '-. . . .'.." .. . '. . ....- . . ....