Deductible
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Applies separately to building and contents
What is a deductible?
A deductible is a predetermined amount of money that the insured must pay before a claim is paid. The deductible is applied separately to building coverage and contents coverage.
Purchase Requirement
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Purchase Requirement Date
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Please enter your loan closing date or the date of your expired or expiring flood insurance policy. If you have selected “Other – 14 Day Waiting Period,” please enter 00/00/0000. Your purchase requirement date cannot be more than 75 days after the date of application (today). The required waiting period is 14 days unless the date of a loan closing is sooner, you have an active FEMA policy, or a FEMA policy unpaid renewal within the 30 day grace period (in which case a no known loss statement will be required,
click here ).
NO COVERAGE IS BOUND UNTIL THE APPLICATION IS APPROVED BY UNDERWRITER AND THE FULL ANNUAL PREMIUM IS RECEIVED.
MM
DD
YYYY
Insured First Name
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Insured Last Name
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2nd Insured First Name
2nd Insured Last Name
City
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State
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AL
AZ
CA
CO
CT
DE
FL
GA
HI
IA
IL
IN
KS
LA
MA
MD
ME
MI
MS
NC
NE
NH
NJ
NM
OH
OK
OR
PA
RI
SC
TX
VA
VT
WA
WI
WV
Zip Code
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County in Which Located
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Mailing Address (if different than property)
Mailing Address City
Mailing Address State
Mailing Address Zip Code
Phone
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Property Owner Phone Numbers (not insurance agent’s phone number)
(###)
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Cell Phone
(###)
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Current flood Insurance carrier (if any)
Primary Residence
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Is this residential building lived in by the owner for at least 250 days per year? This information effects both coverage at the time of a loss and the premium, so be sure to answer this question carefully. How does this effect my coverage?
Only primary residence single family homes covered to at least 80% of the replacement cost at the time of the loss are paid Replacement Cost Value on building coverage (up to the coverage amount listed on the policy). Actual Cash Value (ACV) -The cost to replace an insured item of property at the time of loss, less the value of physical depreciation.Replacement Cost Value (RCV) -The cost to replace property with the same kind of material and construction without deduction for depreciation.
Date of Construction
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MM
DD
YYYY
Number of Floors
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Occupancy
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Check all that apply
First Mortgagee Address
First Mortgagee City
First Mortgagee State
First Mortgagee Zip Code
First Mortgagee Loan Number
Second Mortgagee Address
Second Mortgagee City
Second Mortgagee State
Second Mortgagee Zip Code
Second Mortgagee Loan Number
In 2014, Congress enacted the Homeowner Flood Insurance Affordability Act, which authorizes the National Flood Insurance Program (NFIP) to make a lower cost flood insurance rating option (known as grandfathering) available to property owners who have participated in the NFIP by maintaining continuous, uninterrupted coverage through NFIP. If you intentionally allow your NFIP policy to lapse and later choose to repurchase a NFIP policy, it is possible that FEMA may apply the full risk rate -- and not the grandfathered lower cost rate -- for flood insurance for this property. Applicant hereby understands and acknowledges that if continuous coverage is not maintained with NFIP, then the subject property might no longer be eligible for a grandfathering discount, and the full risk rate may apply, if at some later date insurance applicant seeks to obtain coverage from the NFIP.
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Applicant attests that they are aware that personal property coverage of up to $250,000 is available and excess flood insurance over $250,000 is available and requires a separate application.
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Applicant attests that they are aware that flood insurance building coverage is available up to $500,000 and excess flood insurance over $500,000 is available and requires a separate application.
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Applicant attests that they are NOT aware of more than one flood loss within the past five years, unrepaired damage from a flood, a flood loss to the structure of $250,000 or greater, or that the property has been designated by FEMA as a Severe Repetitive Loss property.
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I understand that quoted premiums for properties with more than one flood loss within the past five years, properties with unrepaired damage from a flood, properties that incurred a flood loss to the structure of $250,000 or greater and any property that has been designated by FEMA as a Severe Repetitive Loss property are double those premiums quoted for properties without such losses and the policy, if issued, contains provisions for reduction and reformation of coverage if prior flood damage is discovered that has not been disclosed
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Applicant attests that the building for which coverage is requested is NOT a Mobile Home, Condominium Unit, or Commercial Building. The building does NOT reside in an NFIP community under NFIP probation. The building is NOT located in a Coastal Barrier Resources System (CBRA zone) or an Otherwise Protected Area (OPA). NOR has the property been designated by a duly constituted State or local authority to be in violation of State or local floodplain management regulates (Section 1316).
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Payor of INITIAL policy term
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Who will be paying for this year's policy?
Comments and/or Any Additional Information:
