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Fema Form 086 0 2 Request Guide

so let's talk about the write your own.program we've got a little over 70 plus.companies that have a have an agreement.with FEMA to write policyholders in.participating communities and in service.the National Flood Insurance Program in.their own name so even though it's it's.it's underwritten by the NFIP policies.maybe under the the company's name they.operate us part of the National Flood.Insurance Program and is subject to the.rules and regulations that we have out.there FEMA sets the rates FEMA sets the.rules the companies will then write the.policies just the way they do their.regular lines of business they will.adjust the claims just the way they do.the regular lines of business but they.have to report their information to us.and we monitor them on a regular basis.the direct side is a little bit.different the direct side is a contract.that we issue every year believe it's.every five years and it allows insurance.agents to either write through a write.your own company or write through the.direct side the direct side also handles.the policies for our severe repetitive.loss properties those that have suffered.certain kinds of losses and we want to.keep those in in one place they provide.assistance and advice to direct side.agents and adjusters via this direct.servicing agent and it allows agencies.to create quotes submit applications and.view policy information just like they.would with the write your own company.so one of the very important concepts we.have in the National Flood Insurance.Program which by the way is a voluntary.program is community participation so in.order for flood insurance to be written.in any community the community has to.make an application and adopt an.ordinance a floodplain ordinance or a.court order if you're in maybe in the.county.that allows the flood insurance to be.written and the community to regulate.development in their high-risk flood.areas we currently have about 22,000.communities who are participating in the.NFIP who have done just that and they.have to monitor development in those.high-risk areas all the time we still.have a little over 2,000 communities who.are not participating in the NFIP and.that might be for several reasons one.FEMA has not done any maps to determine.what the risk is they can still join the.program and we can still make flood.insurance available but they've chosen.not to so the the last thing that we.want to talk about is is in the in.participating in the National Flood.Insurance Program under federal law any.time a lender who has regulated insured.or supervised by the federal government.or is a federal agency must require.flood insurance any time they make.increase renew or extend alone on a.structure located or to be located in a.special flood hazard area and just.because the lender doesn't require flood.insurance doesn't mean there is no flood.risk everybody's subject to some type of.flood risk high medium or low the law.just applies to those structures located.in that high risk but a lender under.contract can require flood insurance on.any property they want in order to.protect their interest.so when a community participates in the.National Flood Insurance Program there.are two sides one is called the.emergency program and in the emergency.program FEMA authorizes the sale of.flood insurance in that community for.which we FEMA have not identified what.that risk is we don't know where it's.going to flood we don't know how deep.it's going to flood.it's just flood prone and a community.can join the program when they do that.in this particular part it we have to.limit what our federal dollar exposure.is so we limited the amount of flood.insurance that's available so for.residential property we limit it to.$35,000 for non residential and business.properties we limit it to a hundred.thousand so when FEMA identifies does a.map identifies where it's going to flood.or how deep and or how deep it's going.to get where the floodways are located.where the coastal areas are are going to.be affected by those waves then they.move into the the regular program and.that's by the issuance of a flood.insurance rate map or affirm so in those.areas FEMA authorizes the sale of.additional insurance up to the regular.limits and those regular limits are two.hundred and fifty thousand dollars for.residential property other residential.and non-residential is up to five.hundred thousand what contents are one.hundred thousand for residential and.five hundred thousand for.non-residential so the occupancy of the.building will then determine how much.coverage can be written but a flood.insurance has to be issued and the.community has to adopt higher standards.to meet those risks that are shown on.that flood insurance rate map when.regulating development in their special.flood hazard areas.so how do you know whether or not your.communities participating in the.National Flood Insurance Program or if.the community in which you're going to.write a policy is in the National Flood.Insurance Program it's very easy it's.called the community status list and.that community status list can be found.on FEMA's website fema.gov search engine.do community status lists you can go to.Google and do a community status list.and it's going to bring it up it lists.it by state so you pick you select the.state in which you're going to write the.policy and and then you click on the the.PDF for that and it brings up the list.of communities alphabetically and shows.what the property owner or what whether.or not the community is participating or.not.okay so let's look at an example in on.the community status book report let's.look at the state of Utah in the state.of Utah on the graphic shown here you.see a lot of information on there if you.look at the town of Redmond a town of.Redmond you have under the current map.date in sfh a that means no special.flood hazard areas that community has.low and moderate risk so in that case an.insurance agent that's writing in.Redmond Utah can write the preferred.risk policy for low cost and they'd be.fine you look at communities like the.city of Salem in the city of Salem they.joined the program in 1979 July 16 and.in the city of Salem their participating.community anything remember we talked.about structures that were built earlier.without the benefit of being told how to.build where to build and we called those.pre firm so in the city of Salem pre.firm for that particular community is.July 16th of 1979 so anything built.before that date is pre firm anything.built after that date has to be built to.certain regulations but that particular.communities not had a map update since.they joined the program so the risk may.have changed for structures in there but.it is what it is.the map is from 1979 and that's what we.used to rate a flood insurance policy.Sanpete County Sanpete County had a map.issued in 2012 they joined the program.June 1st of 1986.so anything built before June 1st of.1986 is pre firm anything built after.June 6 is post firm so.every community may have a different.date of when they joined the NFIP and.when they were able to determine what.the flood risk was for that particular.community so if you're writing in a.participating community check the.community status looks it tells you a.lot of information it tells you in the.joint when the initial flood insurance.rate map was issued for which we.determined pre firm and post firm it.tells you whether or not it's had a map.update it also as we get closer to.issuing new maps for a community will.show you what the effective data the new.map is going to be so you need to.monitor this community status list quite.often.so for non non participating communities.I talked about us not having identified.what the risk was by issuing a flood.insurance rate map when we do issue a.flood insurance rate map and the.community chooses not to adopt it in the.first year after the issuance of that.map they face sanctions and those.sanctions are no flood insurance is.available for anybody through the.National Flood Insurance Program in that.community there is limited federal.disaster assistance that would be.available to them should they have a.flood they may not be able to meet the.mortgage loan mandatory purchase.requirements for a structure located in.a special flood hazard area or there may.not be any federal loans or grants.available to them if you've already got.an existing mortgage the mortgage.company is within its right to call that.loan if a community goes sanctioned.so let's talk a little bit more about.that lender requirement now remember I.said that the a lender can require flood.insurance on any loan they make but if.they are insured regulated or supervised.or are a federal agency and the.structure is located or to be located in.a special flood hazard area and that is.special flood hazard areas beginning.with the letter A or the letter V then.the mortgage requirement is triggered.anytime they make increase renew or.extend a loan or when they discover that.a structure has been placed into a.special flood hazard area Byam a.provision and it is in effect for the.life of the loan lenders can still.require flood insurance in those low to.moderate risk so we need to be sure that.you understand or your clients.understand that the risk for flooding is.there regardless of the flood zone more.than 25% of our claims come out of those.low to moderate risk flood zones over.the term of that 30-year mortgage so.they are at risk and that risk is.growing.so in the National Flood Insurance.Program we have one standard flood.insurance policy but we write three.different forms depending on the.occupancy of the building so we write a.dwelling form which covers one to four.family.we write a general property policy that.is for non-residential and other.residential and then we have our.favorite the residential condominium.building Association policy and that.will cover a condominium building in its.entirety so each one has different.coverages but they're very similar but.the amount of coverage depends on what.the occupancy of the building is and.then there are certain differences in.what is covered under the policy but the.language is similar.so as I said dwelling is one too for.general property is other residential.non-residential and then the Arsenal I'm.going to call it the RC bat fur for.expediency sake the residential.condominium building association policy.is pretty long so it's called an RC bag.so each one of those coverages or each.one of those policies also has a.coverage D in there and that coverage D.is called increased costs of compliance.so I talked about communities joining.the program and adopting an ordinance.and enforcing development located in.their special flood hazard areas and.that includes structures that are.substantially damaged now let's let's.regroup on that particular language.substantial damage is where the damage.to restore it to its pre event and I'm.saying event for its pre event market.value as established by the community is.equal to or greater than 50% of the.market value of the structure because.under the floodplain management.requirements that substantial damage can.occur not just by flood but can also.occur from other perils wind explosion.fire tornado hurricane or a Mack truck.runs into it and if the damage is 50% or.more than it and it's in the special.flood hazard area it may need to be.brought into compliance with current.floodplain management requirements set.by that community however in the.National Flood Insurance Program if it.is damaged by flood and it is.substantial by that definition then the.policy gives up to $30,000 to help meet.that mitigation requirement so it's.available to property owners to pay for.mitigation measures that may be required.by that community even if that community.has a higher standard than the minimum.issued by the inner fight.so the eligibility requirements are it's.got to be in a special flood hazard area.it's got to be in if I be insured.because it's an NFIP coverage it's got.to be non-compliant and we talked about.non-compliant we talked about the low of.the lowest floor is below the base flood.elevation or the base flood elevation.plus any free board requirement that.that community has at the time of the.loss and that it is substantially.damaged by flood when we get into.hurricane areas you could have a wind.and a flood damage but it's got to be.and still be substantially damaged but.ICC is only gonna pay if the damage is.50% or more by flood there's another.little piece to it that if the community.has has sustained repetitive flood.damage and they've chosen to add.language to the ordinance that addresses.repetitively damaged structures to.include 50% or more based on two losses.averaging 25% that meets the 50% then.ICC can pay for to help mitigate those.repetitive loss structures that are.damaged by flood.so there are four basic mitigation.measures that we can use to to mitigate.structures through the ICC process they.are and remember the acronym fred flood.proofing but that's only available for.non-residential structures relocation.moving it from one place to another.elevating the structure demolition but.you can also use a combination of those.so if you're going to move it to another.location but you still got to elevate it.then we can use up to $30,000 to use.those two methods a lot of it is used in.demo rebuild that we have out there they.demolish the existing structure and they.really rebuild the new one that meets.the current floodplain management.requirements there's a proof of loss.that has to be completed by the property.owner within 60 days of the letter.issued by the community that says that.structure was substantially damaged and.has to be mitigated remember 60 days.there is no extension for that like we.do in our regular claims 60-day proof of.loss where we can't extend that.substantial damage proof of loss cannot.be extended.talk a couple of minutes about the.claims process the claims process states.that we cannot pay more than the.statutory limit of coverage available.through the National Flood Insurance.Program as set down by Congress 250,000.for residential buildings $100,000 for.residential contents 500,000 for other.residential and a hundred thousand of.the residential contents 500,000.non-residential for buildings and.500,000 non-residential contents the.total claim including in the ICC limits.cannot exceed those statutory limits so.the claims process is pretty.straightforward you've got to report the.loss either to the insurance company or.to the agent you have to file a proof of.loss within 60 days of that loss unless.FEMA extends that the claims adjuster.will be assigned to adjust the loss.he'll come out he'll visit he'll take.pictures he can assist you in doing the.proof of loss but the proof of loss by.policy is the property owners.responsibility once that a loss is.adjusted then it can be gone through the.claims examiner and paid by the company.

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