NFIP FLOOD RESOURCES / RESTOPRO ASSISTANCE CONSULTING AND MANAGEMENT IN AN EVENT US Water Flood Restoration
FEMA Flood Coverage Overview
Flooding is the most common and costly natural disaster. After a flood, the process of recovery might seem daunting. With flood insurance, you have the peace of mind that comes with knowing you can and will get back to your daily routine. RestoPro is an Emergency Responder whom you can count on during a Catestrophic Event and help your family recover with ease.
What to Do Before a Flood ?
Record the Home or structure annually / establish a Benchmark- Take photos and videos of all major household items and valuables. Retain these documents in a safe place because they are important and prove the location and validation necessary to accurately recap a loss when filing insurance claims.
When flooding is Imminent
First and Formost– take care of your physical safetyWhen a flood is imminent or occurring, your first priority should be the physical safety of you, your loved ones, and your pets. Stay alert by monitoring the local news and weather reports and sign up for emergency alerts. Have a communication plan ready in the event of a power outage. (Note: Local Municipalities and Courthouses are where additioanl assistance can be located, Ask where the FEMA processing center is located or teh FEMA camp, these locations provide assistance on Food, Housing and financial resources). (Call Restopro for asssistance when water is noted within the home or structure)
Coming Home After a Flood The damage can seem overwhelming, but your flood insurance company or agent and the National Flood Insurance Program are here to help. Take these steps to start recovering. (Call the RESTOPRO Professionals) Chttps://www.fema.gov/sites/default/files/2020-07/fema_nfip_Coming-Home-Infographic.pdf
Disaster Assistance (Application) (Non Insurance Aid) Restopro Recommends - Everyone Apply
https://www.disasterassistance.gov/
What flood insurance Covers See link https://www.floodsmart.gov/whats-covered
Structural Components Like: Electrical and plumbing systems, Furnaces and water heaters, Refrigerators, cooking stoves, and built-in appliances like dishwashers, Permanently installed carpeting, Permanently installed cabinets, paneling, and bookcases, Window blinds, Foundation walls, anchorage systems, and staircases. Detached garages, Fuel tanks, well water tanks and pumps, and solar energy equipment
Document Damage and Start Clean UpRebuilding after a flood can be difficult. If you have flood insurance, you don’t have to go through it alone. Professional Emergency Service Providers such as RESTOPRO offers complete recovery Programs to Assist in the claims process, assist in Clean up, inventorying the home, sanitization, and structural drying, followed by Micropial tretments and thier Build Back program. After you’ve started your claim and ensured it’s safe to enter your home, you can begin the recovery process by documenting damage and taking steps to stop the spread of mold.
Mold and Clean UpNational Flood Insurance Program (NFIP) flood insurance policies will not cover damage from mold. Policyholders are strongly encouraged to begin cleanup and documentation immediately after a flood to prevent the growth and spread of mold. In some instances, it’s not possible for a policyholder to get to the property to begin cleaning. In these cases, mold damage may be covered if: An authorized official has banned entrance to the area. Officials may restrict entrance because of downed trees, downed power lines, destroyed roadways, or other reasons. Floodwaters remain around the home, or in the area, impeding the policyholder’s ability to inspect and maintain the insured property.
Emergency service providers such as RESTOPRO knows and understands the Goverment and Priviate Market insurance provider process and can guide you thru the process.
See EPA link/tips https://www.epa.gov/mold/homeowners-and-renters-guide-mold-cleanup-after-disasters
Content / Personal Property
Personal belongings are classified as items like: clothing, furniture, and electronic equipment, Curtains, Washer and dryer, Portable and window air conditioners, Microwave oven, Carpets not included in building coverage (e.g., carpet installed over wood floors, or area rugs) Valuable items such as original artwork and furs (up to $2,500)
(Note: Fema does not pay twice for Content - If items are claimed as Flood related, they are deemed non salvagable and can not be claimed in any additional manner, If its retained, moved or relocated its deemed salvaged after an event and can be remediated if affected. ((Movement of All item/s must be recapped within the claim as debris and discarded, or retained as salvaged content items, either can carry an incurred cost)) ).
Advance Payments Request
Are avaiable in (2) two forms, either as Dwelling Advance or Content Advance, and can be requested to be issued as a
Direct Deposit or conventional payment. Should a mortage be related to the claim A dwelling payment will include the banks name, Content are items owned personally. (Clients must request and Sign Advance Forms for processing)
What isn’t covered by flood insurance?When determining coverage, the cause of flooding matters. Flood insurance covers losses directly caused by flooding. In simple terms, a flood is an excess of water on land that is normally dry, affecting two or more acres of land or two or more properties. (For example, damage caused by a BUSD sewer backup is covered if the backup is a direct result of flooding. If the sewer backup is not caused directly by flooding, the damage is not covered. (THis could be covered under a BUDS policy/Endorsement)( A back up or BUSD endorsement would be attacheed to the Primary dwelling insurance, and not related to a flood policy)
Items Not covered by Building or Content Coverage
Temporary housing and additional living expenses incurred while the building is being repaired or is unable to be occupied, Property outside of an insured building. For example, landscaping, wells, septic systems, decks and patios, fences, seawalls, hot tubs, and swimming pools, Financial losses caused by business interruption, Currency, precious metals, stock certificates and other valuable papers, Cars and most self-propelled vehicles, including their partsPersonal property kept in basements.
What Does NFIP Cover in a Basement ?
The NFIP defines a basement as any area of a building with a floor that is below ground level on all sides. Rooms that are not fully below ground level (such as sunken living rooms, crawlspaces, and the lower-levels of split-level buildings) may still be considered basements because the lowest floor is below ground on all sides. Basement coverage under the Standard Flood Insurance Policy (SFIP) consists of specific building items in a basement and cleanup. Items must be connected to a power source, where appropriate, and/or installed in their functioning location. Cleanup expenses can include pumping out trapped floodwater, labor to remove or extract spent cleaning solutions, treatment for mold and mildew, and structural drying of salvageable interior foundation elements. Review your flood insurance policy for a comprehensive list of covered items and expenses.Examples of covered items include: Central air conditioners, Fuel tanks and the fuel in them, Furnaces and water heaters, Sump pumps, heat pumps, and well water tanks and pumps, Electrical outlets and switches, Elevators, dumbwaiters, and related equipment, Drywall that is unfinished and un-taped for walls and ceilingsElectrical junction and circuit breaker boxes, Stairways and staircases attached to the buildingFoundation elements and anchorage systems required to support a building
Contents Coverage in a Basement (if purchased separately)Contents coverage is optional coverage for the property that must be purchased separately. Flood insurance policies cover direct physical loss by or from flood to personal property inside a building at the described location, if: the property is owned by you or your household family members; and, at your option, the property is owned by guests or servants. If covered items are stored in a basement, meaning they are not connected to a power source, they are not covered.Covered Content items, provided they are connected to a power source, include: Clothes washers and dryers, Air conditioning units, portable or window type, Food freezers and the food in them (excluding walk-in freezers)
Examples of excluded items include: Personal property (such as couches, computers, or televisions), Basement improvements (such as finished flooring, finished walls, bathroom fixtures, and other built-ins), Generators and similar items, Dehumidifiers that are not integral to the heating and air conditioning system
Wind Damage vs. Water Damage: Natural disasters such as hurricanes, tropical storms, and nor’easters can cause wind and flood damage to your property. Your National Flood Insurance Program (NFIP) policy, as well as your homeowners or commercial property insurance, should work together to cover any sustained damage. You will likely need to file insurance claims with both entities and work with multiple adjusters. Distinguishing the Cause of Damage: Your flood insurance policy only covers physical damage directly caused by a flood. Other policies, (Primary and Supplimental) such as homeowners policies, do not cover water damage from flooding but may cover damage from other perils, such as wind-driven rain or fire.
KEY: If a river overflows or rain causes flash flooding that enters your home, this is considered a direct result of flooding and would likely be covered under your flood insurance policy. However, if rain is propelled into a covered structure by wind, that is considered wind-driven rain and is not covered under your flood insurance policy. The same is true if your roof is damaged and water enters through the ceiling. That is water damage as a result of wind damage and is not covered under your flood insurance policy. RESTOPRO professioals will assist in managing the site and alligning benefits to the site requirements, documents will be required to all related carriers to reconcile the benefits. REFRENCE SECTION FEMA SUMMERY OF COVERAGE (STANDARD DWELLING ) https://agents.floodsmart.gov/sites/default/files/fema_NFIP-summary-of-coverage_brochure_09-2021_0.pdf FEMA COMMERCIAL SUMMERY OF COVERAGE (COMMERCIAL COVERAGE) https://agents.floodsmart.gov/sites/default/files/fema_summary-of-coverage-for-commercial-property_brochure_09-2021.pdf FEMA CONDOMINIUM SUMMERY OF COVERAGE (CONDOMINIUM COVERAGE) https://agents.floodsmart.gov/sites/default/files/fema_RCBAP-summary-of-coverage_10-2021.pdf NFIP Claims Handbook https://agents.floodsmart.gov/sites/default/files/fema-claims-handbook-04-2022.pdf A handbook detailing what homeowners, renters and business owners can do to prepare for and recover from a flood event. It guides policyholders through each step of the process and covers filing a claim. NFIP Claims Manual https://www.fema.gov/sites/default/files/documents/fema_nfip_claims-manual_2021.pdf This in-depth manual provides claims professionals with information on the National Flood Insurance Program (NFIP), the Standard Flood Insurance Policy (SFIP) and its forms, coverage limit and deductible options, claims processes and guidance, and much more. NFIP Dwelling Form (Policy ) https://www.fema.gov/sites/default/files/documents/fema_F-122-Dwelling-SFIP_2021.pdf Program Summery of Coverage / National Flood Insurance Program (NFIP). The program of flood insurance coverag NFIP General Property Form (Policy) https://www.fema.gov/sites/default/files/documents/fema_F-123-general-property-SFIP_2021.pdf Typically issued to owners or lessees of non-residential buildings. Residential Condominium Building Association Policy (RCBAP) Form https://www.fema.gov/sites/default/files/documents/fema_F-144-RCBAP-SFIP_2021.pdfIssued to residential condominium associations on behalf of association and unit owners. NFIP Structural Drying Bullitin NFIP W-13025a https://nfipservices.floodsmart.gov/sites/default/files/w-13025a.pdf This bulletin is to provide claims guidance regarding coverage for structural drying under the Standard Flood Insurance Policy (SFIP) NFIP Content Worksheet - Personal Property https://www.fema.gov/sites/default/files/2020-07/FEMA-Form_086-0-06_worksheet-contents_2017.pdf
KEY: If a river overflows or rain causes flash flooding that enters your home, this is considered a direct result of flooding and would likely be covered under your flood insurance policy. However, if rain is propelled into a covered structure by wind, that is considered wind-driven rain and is not covered under your flood insurance policy. The same is true if your roof is damaged and water enters through the ceiling. That is water damage as a result of wind damage and is not covered under your flood insurance policy. RESTOPRO professioals will assist in managing the site and alligning benefits to the site requirements, documents will be required to all related carriers to reconcile the benefits. REFRENCE SECTION FEMA SUMMERY OF COVERAGE (STANDARD DWELLING ) https://agents.floodsmart.gov/sites/default/files/fema_NFIP-summary-of-coverage_brochure_09-2021_0.pdf FEMA COMMERCIAL SUMMERY OF COVERAGE (COMMERCIAL COVERAGE) https://agents.floodsmart.gov/sites/default/files/fema_summary-of-coverage-for-commercial-property_brochure_09-2021.pdf FEMA CONDOMINIUM SUMMERY OF COVERAGE (CONDOMINIUM COVERAGE) https://agents.floodsmart.gov/sites/default/files/fema_RCBAP-summary-of-coverage_10-2021.pdf NFIP Claims Handbook https://agents.floodsmart.gov/sites/default/files/fema-claims-handbook-04-2022.pdf A handbook detailing what homeowners, renters and business owners can do to prepare for and recover from a flood event. It guides policyholders through each step of the process and covers filing a claim. NFIP Claims Manual https://www.fema.gov/sites/default/files/documents/fema_nfip_claims-manual_2021.pdf This in-depth manual provides claims professionals with information on the National Flood Insurance Program (NFIP), the Standard Flood Insurance Policy (SFIP) and its forms, coverage limit and deductible options, claims processes and guidance, and much more. NFIP Dwelling Form (Policy ) https://www.fema.gov/sites/default/files/documents/fema_F-122-Dwelling-SFIP_2021.pdf Program Summery of Coverage / National Flood Insurance Program (NFIP). The program of flood insurance coverag NFIP General Property Form (Policy) https://www.fema.gov/sites/default/files/documents/fema_F-123-general-property-SFIP_2021.pdf Typically issued to owners or lessees of non-residential buildings. Residential Condominium Building Association Policy (RCBAP) Form https://www.fema.gov/sites/default/files/documents/fema_F-144-RCBAP-SFIP_2021.pdfIssued to residential condominium associations on behalf of association and unit owners. NFIP Structural Drying Bullitin NFIP W-13025a https://nfipservices.floodsmart.gov/sites/default/files/w-13025a.pdf This bulletin is to provide claims guidance regarding coverage for structural drying under the Standard Flood Insurance Policy (SFIP) NFIP Content Worksheet - Personal Property https://www.fema.gov/sites/default/files/2020-07/FEMA-Form_086-0-06_worksheet-contents_2017.pdf