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Local Regulations May Prompt Extra Flood Insurance Help

BATON ROUGE, La. — If your home or business is damaged by a flood, you may be required to meet certain building requirements in your community to reduce future flood damage before you repair or rebuild. The National Flood Insurance Program (NFIP) Standard Flood Insurance Policy provides Increased Cost of Compliance (ICC) coverage, which may be available to help cover the costs of meeting those requirements, subject to eligibility.

If eligible, NFIP insurance policyholders may receive up to $30,000 of ICC coverage to help pay the costs to bring their building into compliance with their community’s floodplain ordinance. The coverage availability and payment limits are subject to the terms of the policy and maximum coverage limits, including all applicable NFIP rules and regulations.

Four options you can take to comply with your community’s floodplain management ordinance to reduce future flood damage include:

Elevation. This raises your home or business to or above the flood elevation level adopted by your community.
Relocation. This moves your home or business out of harm’s way.
Demolition. This tears down and removes flood-damaged buildings.
Floodproofing. This option is available primarily for non-residential buildings. It involves making a building watertight through a combination of adjustments or additions of features to the building that reduces the potential for flood damage.

You may be eligible to file a claim for your ICC coverage in two instances:

When your community determines that your building is “substantially damaged,” wherein the cost to repair or improve the structure exceeds its market value by a threshold amount adopted by law or ordinance. Community building officials are responsible for the issuance of substantial damage declarations.
When your community has a “repetitive loss” provision in its floodplain management ordinance and determines that your building was damaged by a flood two times in the past 10 years, where the cost of repairing the flood damage, on average, equaled or exceeded 25 percent of its market value at the time of each flood.

If your community does determine that your building is substantially or repetitively damaged, a local official will explain the floodplain management ordinance provisions that you will have to meet. You may also want to consult with the local official before you make the final decision about which of the options to pursue.

Once your community has made its determination, contact your insurer or insurance agent to file an ICC claim. You should start getting estimates from contractors to take the necessary steps to FRED — floodproof, relocate, elevate or demolish.

When the work is completed, local officials will inspect it and issue a certificate of occupancy or a confirmation letter.

It’s important to remember that only policyholders with substantially or repetitively flood-damaged buildings may be eligible for ICC coverage. ICC helps pay for the costs of meeting the floodplain management requirements adopted by law or ordinance in your community. Any item paid for in the original flood damage claim cannot be duplicated in the ICC payment.

For more information on ICC coverage, call your insurance company or agent, or call the NFIP toll-free at 800-427-4661. TDD# 800-427-5593.

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Local Regulations May Prompt Extra Flood Insurance Help

Your Right of Appeal for FEMA Disaster Assistance

BATON ROUGE, La. — If your house flooded and you did not have flood insurance, you may have received some federal financial assistance for the August flooding. But if your home is in a floodplain and you hold a mortgage from a federally regulated or insured lender, you may be required to buy flood insurance.

This requirement applies when a building has been damaged and is located in an area that is at high risk of flooding. These high-risk areas are called Special Flood Hazard Areas (SFHAs).

In high-risk areas, there is at least a one in four chance of flooding during a 30-year mortgage. You may be restricted to only rental assistance in a future disaster unless you buy flood insurance and keep the policy in effect.

A flood-insurance policy protects you financially even when a presidential disaster is not declared or if you live in a parish that was not designated for federal assistance.

Once you receive federal financial assistance, you must keep flood insurance coverage at your address even if the damaged building is replaced by a new one. If you sell your home, you are required to inform the new owners that they must maintain flood insurance coverage on the building. Often, an existing flood-insurance policy can be transferred to a new owner with no lapse in coverage.

You may receive a Certificate of Flood Insurance for a Group Policy as a part of your federal Individuals and Households Assistance program (IHP) grant. This policy provides minimal coverage on the home equal to the maximum IHP grant currently available. For the Louisiana August 2016 floods, the required premium provides coverage of $33,000.

Group Policies have a term of three years, after which you will be required to purchase and maintain a Standard Flood Insurance Policy through the National Flood Insurance Program (NFIP) until you are no longer the homeowner or renter at that location. In order to avoid any lapse in coverage, it is important to apply for your new coverage at least 30 days before the expiration of the Group Policy.
You may cancel your participation in the Group Policy at any time during its policy term, provided that you have purchased your own NFIP flood insurance coverage.

If you are a renter and receive federal financial assistance, flood-insurance coverage must be maintained on the contents for as long as you live at the flood-damaged rental property. The requirement for flood insurance is lifted once you move from the building.

But, because federal law mandates the purchase of flood insurance as a condition of disaster funding, an applicant who does not comply with the flood insurance obligation may become mostly ineligible for future disaster assistance. It’s that important.

If you do not live in a flood zone but your home was flooded, you do not have to maintain flood insurance. Even without the legal requirement, it is a wise decision to purchase flood insurance.

Even though flood insurance isn’t federally required in moderate- to low-risk areas, homeowners and businesses that have mortgages from federally regulated or insured lenders may be required to purchase flood coverage by the mortgage holder. Anyone can be financially vulnerable to floods.

In fact, people outside of mapped high-risk flood areas file more than 20 percent of all National Flood Insurance Program flood-insurance claims and receive one-third of federal disaster assistance for flooding. When it’s available, disaster assistance is typically a loan you must repay with interest.

With all that you are going through, don’t let this vital coverage slip through the cracks. Protect yourself and your family from future financial loss by purchasing and maintaining flood insurance coverage.

For more information about the NFIP and flood insurance, call 800-427-4661 or contact your insurance company or agent.

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Your Right of Appeal for FEMA Disaster Assistance

Digital Preliminary Flood Maps for Coastal Areas of Flagler County Ready for Public Viewing

ATLANTA– Newly revised preliminary digital flood insurance rate maps for coastal areas of Flagler County, FL will be available for residents to review at a public open house at the Hammock Community Center on May 5, 2016 from 4 p.m. to 7 p.m. Flood maps show the extent to which areas are at risk for flooding, and when updated maps become effective they are used to help determine flood insurance and building requirements.

The open house provides residents of Flagler County and its municipalities the opportunity to see the preliminary maps, learn about their risk of flooding, and ask questions about what the new maps will mean for their property. Residents can meet one-on-one with specialists who will be available to talk about flood insurance, engineering, building permits and more. Home and business owners, renters, realtors, mortgage lenders, surveyors and insurance agents are encouraged to attend the open house.

The open house will be held between 4 p.m. to 7 p.m. The open house date and location is:

May 5

Hammock Community Center

79 Mala Compra Rd.

Palm Coast, FL 32137

The new preliminary maps were developed through a partnership among Flagler County, its municipalities and the Federal Emergency Management Agency. They are based on updated available modeling and data and show improved flood hazard risk better than older maps. The ultimate goal is protecting property owners and the community from the risks associated with flooding. Over time, flood risks change due to construction and development, environmental changes, floodplains widen or shift, and other factors. Flood maps are updated periodically to reflect these changes.

By law, federally regulated or insured mortgage lenders require flood insurance on buildings that are located in areas at high risk of flooding. Standard homeowners, business owners, and renters insurance policies typically don’t cover flood damage, so flood insurance is an important consideration for everyone. Flood insurance policies can be purchased from any state licensed property and casualty insurance agent. Visit www.floodsmart.gov or call 888-379-9531 for more information about flood insurance and to locate a local agent.

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FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

Digital Preliminary Flood Maps for Coastal Areas of Flagler County Ready for Public Viewing

Digital Preliminary Flood Maps for Georgia Coast Ready for Public Viewing

ATLANTA, Ga. –Newly revised preliminary digital flood insurance rate maps for the Georgia coastal areas of Camden, Effingham, Glynn, and Long Counties will be available for residents to review at four public open houses the week of April 18-22. Flood maps show the extent to which areas are at risk for flooding, and when they become effective, updated maps will be used to help determine flood insurance and building requirements.

The open house provides residents of these coastal areas the opportunity to see the preliminary maps, learn about their risk of flooding, and ask questions about what the new maps will mean for their property. Residents can meet one-on-one with a variety of specialists who will be available to talk about flood insurance, engineering, building permits and more.

The open houses will be held between 5:00 and 7:30 p.m. The open house dates and locations are:

April 18, 2016

Glynn County

Ballard Complex

325 Old Jessup Rd.

Brunswick, GA 31520

April 19, 2016

Long County

Ludowici City Hall

469 North Macon St.

Ludowici, GA 31316

April 20, 2016

Camden County

PSA Building

1050 Wildcat Dr.

Kingsland, GA 31548

April 21, 2016

Effingham County

Effingham County Administrative Complex

601 North Laurel St.

Springfield, Georgia 31329

The new preliminary maps were released through a partnership among the counties, their municipalities, the Georgia Department of Natural Resources and the Federal Emergency Management Agency. They are more precise than older maps because better flood hazard and risk data make the maps more accurate. The ultimate goal is protecting property owners and the community from the risks associated with flooding. Over time, flood risks change due to construction and development, environmental changes, floodplains widen or shift, and other factors. Flood maps are updated periodically to reflect these changes.

Home and business owners, renters, realtors, mortgage lenders, surveyors and insurance agents are encouraged to attend the open house. All who attend can meet with specialists to ask questions and learn more about flood risk and hazard mitigation within their communities.

By law, federally regulated or insured mortgage lenders require flood insurance on buildings that are located in areas at high risk of flooding. Standard homeowners’, business owners’, and renters’ insurance policies typically don’t cover flood damage, so flood insurance is an important consideration for everyone. Flood insurance policies can be purchased from any state licensed property and casualty insurance agent. Visit www.floodsmart.gov or call 888-379-9531 for more information about flood insurance and to locate a local agent.

Digital Preliminary Flood Maps for Georgia Coast Ready for Public Viewing

S.C. Flood Survivors Can Appeal FEMA Aid Determination

Release Number:

FYSA-News Release NR062 for DR 4241 SC

COLUMBIA, S.C. – South Carolina disaster survivors with questions about the assistance they received from FEMA or their eligibility determinations have the right to appeal the decision. Those who want to appeal should do so in writing within 60 days of the date of the determination letter.

Guidelines for appeals can be found on page 10 of the Applicant’s Guide, which is sent to everyone who registers with FEMA.

In the appeal letter to FEMA, an applicant should:

include full name, address, and date and place of birth;
include the last four digits of the applicant’s social security number;
include FEMA registration number and the disaster number, DR-4241, on every page;
explain why you disagree with FEMA’s decision;
include any supporting documentation for the appeal;
include the following statement: “I hereby declare under penalty of perjury that the foregoing is true and correct.”;
sign the letter.

Appeal letters should be mailed to:

FEMA Appeals OfficerNational Processing Service CenterP.O. Box 10055Hyattsville, MD 20782-7055

Appeal letters and supporting documents can also be faxed to:

800-827-8112Attn: FEMA Appeals Officer

For disaster recovery center locations, visit: http://asd.fema.gov/inter/locator/home.htm.

FEMA recognizes that varying circumstances may prevent an applicant from filing an appeal within the standard 60-day appeal period. However, applicants who miss the 60-day deadline must submit with their appeals an explanation stating why they did not apply by the deadline. Applicants whose appeal letters are submitted outside the 60-day appeal period are not automatically denied a review.

FEMA and the South Carolina Emergency Management Division are committed to providing all eligible assistance to those who were affected by the Oct. 1-23 storms and flooding. Applicants with questions about their eligibility determinations or their assistance can contact FEMA by phone or visit a disaster recovery center to speak with an applicant services specialist.

The last day to register for FEMA assistance is Jan. 4, 2016. Residents can call the FEMA helpline at 800-621-3362, TTY 800-462-7585, 711/VRS 800-621-3362. Residents may also visit www.DisasterAssistance.gov.

FEMA is working with its federal, state and local partner agencies as well as private sector and voluntary agencies, and faith-based organizations to reach everyone who qualifies for disaster assistance under the Individuals and Households Program.

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S.C. Flood Survivors Can Appeal FEMA Aid Determination

Homeowners and Owners of Second Homes Have Every Reason to Buy Flood Insurance

SACRAMENTO, Calif. – After five years of drought, many owners of homes and second homes in California may shrug off the suggestion of buying flood insurance. El Niño and the recent wildfires may change the minds of many.

In California, El Niño means extremely heavy rainfall that could lead to devastating flooding, especially in areas affected by prolonged drought and recent wildfires.

The winter of 1997 was one of the strongest El Niños on record. The rains were so unrelenting in California that they led to mudslides, causing houses to crumble off disintegrating cliffs and hundreds of millions of dollars in damage.

This winter’s El Niño is expected to be as strong or even stronger. El Niño conditions will be strongest between January and late March, and could linger through May.

While flood insurance cannot prevent damage to a home, it is a good investment for protecting it. Property owners can purchase up to $250,000 in building coverage and up to $100,000 for contents.

Especially vulnerable are the areas where wildfires hit. Burn scars leave the ground unable to absorb water, creating conditions ripe for flash flooding and mudflow for up to five years until the vegetation is restored.

Standard homeowners insurance does not cover flood damage. Flood insurance is available through the National Flood Insurance Program (NFIP) and covers a general and temporary condition of rapid and unusual accumulation of surface water displaced over two acres or two properties as defined in the standard NFIP policy.

Since there is a 30-day waiting period before flood insurance coverage becomes effective, property owners are urged to speak with their local insurance agent soon.

For additional information on the NFIP or to find an agent, call 800-427-2419 or visit www.floodsmart.gov.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain and improve our capability to prepare for, protect against, respond to, recover from and mitigate all hazards.

Disaster recovery assistance is available without regard to race, color, religion, nationality, sex, age, disability, English proficiency or economic status. If you or someone you know has been discriminated against, call FEMA toll-free at 800-621-FEMA (3362). If you have a speech disability or hearing loss and use a TTY, call 800-462-7585 directly; if you use 711 or Video Relay Service (VRS), call 800-621-3362.

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Homeowners and Owners of Second Homes Have Every Reason to Buy Flood Insurance

State/FEMA Recovery Center to Close in Wagoner County

OKLAHOMA CITY – A Disaster Recovery Center (DRC) in Wagoner County set up to help people in Oklahoma affected by the severe storms, straight-line winds, flooding and tornadoes occurring May 5 through June 4 will close on Tuesday, July 21, at 7p.m.

Located at:

Coweta Intermediate High School
14699 South 305 East Avenue
Coweta, OK 74429
Hours: Monday – Saturday 7 a.m. to 7 p.m.; Sunday 1 p.m. to 5 p.m.

DRCs are one-stop shops where survivors can get information and guidance about what disaster assistance may be available. Specialists from the Oklahoma Department of Emergency Management, the Federal Emergency Management Agency, the U.S. Small Business Administration and other federal agencies and volunteer organizations are on hand at the recovery centers to answer questions.

Survivors may apply for state and federal assistance online at www.DisasterAssistance.gov or by calling 800-621-3362 or (TTY) 800-462-7585. Those who use 711-Relay or Video Relay Services can call 800-621-3362 to register. Hours to register: 6 a.m. to 9 p.m. (Central Standard Time), Sunday to Saturday. Visiting a DRC is not required to qualify for assistance.

For more information on Oklahoma disaster recovery, click http://www.fema.gov/disaster/4222 or visit OEM at www.oem.ok.gov.

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State/FEMA Recovery Center to Close in Wagoner County

Digital Preliminary Flood Maps for Richland County Ready for Public Viewing

ATLANTA — Newly revised preliminary digital flood insurance rate maps for Richland County, SC will be available for residents to review at a public open house at the Richland County Office Building on June 24, 2015, from 4 to 7 p.m. Flood maps show the extent to which areas are at risk for flooding, and are used to help determine flood insurance and building requirements.

The open house provides residents of Richland County and its municipalities the opportunity to see the preliminary maps, learn about their risk of flooding, and ask questions about what the new maps will mean for their property. Residents can meet one-on-one with a variety of specialists who will be available to talk about flood insurance, engineering, building permits and more.

The open house will be held between 4 and 7 p.m. The open house date and location is:

June 24, 2015

Richland County Office Building

2020 Hampton Street

Columbia, SC 29201

The new preliminary maps were produced through a partnership among Richland County, the South Carolina Department of Natural Resources, and the Federal Emergency Management Agency (FEMA). They are more precise than older maps because better flood hazard and risk data make the maps more accurate. The ultimate goal is protecting property owners and the community from the risks associated with flooding. Over time, flood risks change due to construction and development, environmental changes, floodplain widening or shifting, and other factors. Flood maps are updated periodically to reflect these changes.

Richland County’s preliminary maps have not yet been officially adopted and will become effective after a public comment period. This period allows the public to submit comments and appeals if they can show that any part of the maps is in error. Once all comments are received and addressed, Richland County may adopt the maps.

By law, federally regulated or insured mortgage lenders require flood insurance on properties that are located in areas at high risk of flooding. Standard homeowners’, business owners’, and renters’ insurance policies typically don’t cover flood damage, so flood insurance is an important consideration for everyone. Flood insurance policies can be purchased from any state licensed property and casualty insurance agent. Visit www.floodsmart.gov for more information about flood insurance and to locate a local agent.

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Digital Preliminary Flood Maps for Richland County Ready for Public Viewing

The Filing Deadline for the National Flood Insurance Program is October 29

NEW YORK – The time limit to file proof of loss claims for policyholders affected by Hurricane Sandy is Oct. 29, 2014.

The National Flood Insurance Program (NFIP) usually requires policyholders to submit a fully documented, signed and sworn proof-of-loss claim within 60 days from the date of their loss.

The magnitude of the Sandy disaster is the reason the filing deadline was extended for two years to give policyholders additional time to file claims.

The Proof of Loss document is included in the claims package that documents flood losses. The claims package should include:

photos and/or video of the flooding and resulting damage

a comprehensive, itemized list of what was damaged

receipts, if possible, for damaged items along with any other supporting documents showing the value of what you lost

As for filing, the location is dependent upon who wrote the policy. If a Standard Flood Insurance Policy was issued by a Write Your Own program-participating insurance company, the claimant should contact their insurance agent or the carrier directly to find out the proper address for submitting the Proof of Loss with supporting documentation.

To download a blank NFIP Proof of Loss document: http://www.fema.gov/library/viewRecord.do?id=2545

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The Filing Deadline for the National Flood Insurance Program is October 29

Replacing Your Important Papers

DENVER – Not only were Colorado homes damaged by the recent severe storms, flooding, landslides or mudslides, but many survivors also lost valuable personal documents. The documents include everything from Social Security cards to driver licenses to credit cards.

The following is a partial list of ways to get duplicates of destroyed or missing documents:

Birth and Death Certificates – Birth and death certificates can be replaced by visiting your county vital records office or on line http://go.usa.gov/DFbw

Marriage Certificates – The online link for replacement of marriage certificates is http://go.usa.gov/DFbw

Marriage Dissolutions (divorces) – The online link for divorce decree replacements is http://go.usa.gov/DFbw

Adoption Decrees – The Colorado District Courts link for adoption records – if the adoption was finalized in Colorado – is http://go.usa.gov/DFbw

Immigration Documents – Contact your county office or the site below for citizenship, immigration, permanent resident card (green card), employment authorization, re-entry permit and more. uscis.gov

Driver Licenses – Visit any Colorado driver license office with acceptable identification and proof of address. Fee required.

Vehicle Registration, License Tab or Title – Contact your county motor vehicle office. You will need proof of insurance and Colorado vehicle emissions. Fees administered by county. http://tinyurl.com/m2hchyh

Passport – Complete form DS-64 from http://tinyurl.com/ld6z28k

Military Records – Request Standard Form 180 (SF-180) from any office of the Veterans Administration, American Legion, VFW or Red Cross, or download from http://tinyurl.com/lnu2pmt

Mortgage Papers – Contact your lending institution

Property Deeds – Contact the recorder’s office in the county where the property is located

Insurance Policies – Contact the insurance company for replacement papers

Social Security Card – Go to a Social Security Administration office. You also can request a copy of your Social Security statement online www.ssa.gov

Transcript of Your Tax Return – Call nearest Treasury Department office, IRS office or 800-829-3646; request form 4506. To find your local IRS office, go to http://tinyurl.com/mvk5dvu

Savings Bonds/Notes – Complete Form PDF 1048 (Claim for Lost, Stolen or Destroyed U.S. Savings Bonds); available by calling 304-480-6112 or at www.treasurydirect.gov/forms/sav1048.pdf

Credit Cards – American Express, 800-528-4800; Discover, 800-347-2683; MasterCard, 800-622-7747; Visa, 800-847-2911

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Replacing Your Important Papers

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