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(2)

reimbursement. but shall be applied to any
other benefits under this policy's coverage.
C. Coverage FOT Certain Loss Mitigation
MeasuTes. When the insurance under this pol-
icy covers a building. reasonable expenses in-
curred by the Insured for the purchase of the
following items are also covered. in an ag-
gregate amount not to exceed $'150.00:
1. Sandbags. including sand to fill them
and plastic sheeting and lumber used in con-
nection with them:
2. Fill for temporary levees:
3. Pumps: and
4. Wood:
all for the purpose of saving the building due
to the imminent danger of a flood loss. in-
cluding the value of the Insured's own labor
at preva.iling Federal minimum wage rates.
For reimbursement under this pa.ragraph
C. to apply. the following conditions must be
met:
a. The insured property must be in immi-
nent danger of sustaining flood damage: and
b. The threat of flood damage must be of
such imminence as to lead a person of com-
mon prudence to apprehend flood damage:
and
c. A general and temporary condition of
nooding in the area must occur. even if the
nooding does not reach the insured property.
or a legally authorized official must issue an
evacuation order or other civil order for the
community in which the insured property is
located ealling for measures to preserve life
and property from the peril of flood.
The policy's building deductible amount. as
provided for at ATticle 7. sba.ll not be applied
to this reimbursement. but sba.ll be applied
to any other benefits under the policy's build-
ing coverage.

Article 6-PToperty Not C""eTed

This policy sh4ll not cover any of the fol-
lowing:
A. Valuables and commercial :property. mean-
ing:
1. Accounts. bills. currency. deeds. evi-
dences of debt. money. coins. medals. post-
age stamps. securities. bullion. manuscripts.
other valuable papers or records. and per-
sonal pruperty used in a bUSiness.
2. Personal property used in connection
with any incidental commercial occupancy
or use of the building.
B. Property 01leT lDateT OT in the _. mea7I-
ing;
1. A building and personal property in the
building loca.ted entirely in. on. or over water
or seaward of mean bigh tide. if the building
was newly constrUcted or substantially im-
proved on or after October 1. 1982.
2. Personal property in the open.
C. StructuTes other than buildings. including;
1. Fences. retaining walls. seawalls. bulk-
heads. wharves. piers. bridges. and docks.
2. Indoor and outdoor swiTnTni"E' POOls.

44 CFR Ch. I (10.-1-97 Edition)

3. Open strUctures and personal property
located in. on, or over water. including boat
houses or any strUcture or building into
which boats are floated.
4. Underground strUctures and equipment.
including wells. septic tanks and septic sys-
tems.
D. Other Teal :pr01>eT!Y. including:
1. Land. land values. lawns. trees. shrubs.
plants. and growing crops.
2. Those portions of walks. walkways.
decks. driveways. patios. and other surfaces.
all whether covered or not and all of wba.t-
ever kind of construction. located outside
the perimeter. exterior walls of the insured
building.
E. Other personal :property. meaning:
1. Anima.l$. livestock. birds. and fish.
2. Aircraft. .
3. Any self-propelled vehicle or machine
and motor vehicle (other than motori%.ed
equipment pertaining to the service of the
described unit or building, operated prin-
cipally on the premises of the Insured. and
, not licensed for bigiJ.way use) including their
parts and equipment.
4. Trailers on wheels' and other rec-
reational vehicles whether a.1'fixed to a per-
manent foundation or on wheels.
5. Watercraft including their furnishingS
and equipment.
6. Personal property owned by or in the
care. custody or control of a unit owner. ex-
cept for the property described in Article 4
under "coverage ~Personal Property".
paragraph B. of this policy.
F. Basements. building enclOSUTOS lower than
the elevated /lOOTS of elevated buildings. and
personal :property. as foUOUls:
1. In a SJ>eCial hazard area. at an elevation
lower than the lowest elevated noor of an
elevated Posi-FIRM building. including a man-
ufaettlTed (i.e.. mobile> home:
a. Personal property.
b. Building enclosures. equipment. !Up p\'i..._
ery. fiXtures and components. except for the
required utility connections and the fqot-
ings. foundation. posts. pilings. piers or
other foundation walls and anchorage sys-
tem as required for the support of the build-
ing.
2. In a basement as defined in ATt.icle 2:
... Personal property.
b. BuUding equipment. machinery. f\XtU1'eS
and components. including finished wa.l1s.
floors. cellings and other improvements. ex-
cept for the required utility connections. fi-
berglass insulation. drywalls and sheetrock
walls. and cei1ings but only to the extent of
replacing drywalls and sheetrock walls in an
n"n"l"l;~'hed m.a.nner (i.e.. nailed to framing
but not taped. painted. or covered).
3. PT01Iided. with regard to both 1. and 2..
above. the following building and personal
property items connected to a power source
and installed in their functioning location

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