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<br />~ <br />c <br />.. <br />M <br />~ <br /> <br />-7- <br /> <br />1. Apply the NFIP requirements to the areas mapped by BuRec FPIs but <br />not yet mapped by FEMA; <br /> <br />2. Use the BuRec FPIs as the best information available in areas of <br />approximate mapping by FEMA; <br /> <br />3. Apply the NFIP floodway standards to the BuRec floodway in areas <br />where FEMA has not yet delineated a floodway; <br /> <br />4. Apply the NFIP floodway standards to the areas within BuRec levees. <br /> <br />These plans will be included in the States' Hazard Mitigation Plans. <br /> <br />WORK ELEMENT #8: <br /> <br />S T J <br />I L FS <br /> <br />The Arizona and California State Insurance Commission should investigate the <br />possibility of requiring private insurers to clarify under what circumstances <br />their policies will reimburse mobile home owners for removal of their homes <br />from a flood threatened area prior to the actual event. <br /> <br />Progress: <br /> <br />The implementation of this work element in California is difficult for vari- <br />ous reasons. The California Insurance Commission does not have regulatory <br />controls over the private insurance companies. The Chief of Policy Services <br />Bureau felt that damages incurred while removing mobile homes from flood <br />threatened areas were covered by most homeowner policies. FEMA is currently <br />researching damage claims to get a listing of insurance companies who have <br />denied these types of claims. This list will be sent to the Policy Services <br />Bureau, where review of policy coverage will take place. Legislation may be <br />required to amend the language in the policies. <br /> <br />Western Insurance Information Service and Insurance Service Office of Califor- <br />nia are two companies who service insurance companies. The California State <br />Coordinator for Floodplain Management is investigating the possibility of <br />going through these companies, as well as several associations of insurance <br />agents and brokers, to discuss changes in the types of coverage this work <br />element recommends. <br /> <br />The quarterly newsletter published by the California Insurance Commission is a <br />possible way to inform insurance agents about the NFIP and the four-hour work- <br />shops FEMA sponsors for insurance agents. Unfortunately, there are no continu- <br />ing education credits for insurance agents in California and therefore little <br />incentive for the agents to obtain training in the flood insurance program. <br /> <br />The Arizona State Insurance Commissioner addressed only the NFIP policy and not <br />the private insurers. He feels the Standard Flood Insurance forms supplied by <br />FIA are vague. On this issue the wording (see Appendix D for FEMA Forms 81-33 <br />and 81-34) seems to encourage an insured to remove a mobile home from the <br />