diff --git a/.coderabbit.yaml b/.coderabbit.yaml new file mode 100644 index 00000000..1857e4b1 --- /dev/null +++ b/.coderabbit.yaml @@ -0,0 +1,20 @@ +# yaml-language-server: $schema=https://coderabbit.ai/integrations/schema.v2.json + +reviews: + auto_review: + enabled: true + drafts: false + path_filters: + - "examples/**" + - "!examples/**/data/**" + - "!examples/**/fixtures/**" + - "examples/**/fixtures/SOURCES.md" + - "!examples/**/verified-run/**" + - "examples/**/verified-run/README.md" + - "!examples/**/uv.lock" + path_instructions: + - path: "examples/**" + instructions: | + Review runnable source, tests, configuration, and documentation. + Check that commands match the implementation and that tests cover failure paths. + Flag client-side model-name translation and undocumented synthetic results. diff --git a/examples/README.md b/examples/README.md index 863068eb..1a8669d6 100644 --- a/examples/README.md +++ b/examples/README.md @@ -24,7 +24,7 @@ service keys. | [Vision-first document RAG](./vision-doc-rag) | Retrieving and answering questions over a multi-tenant page corpus by looking at page images (including scanned drawings) with OCR kept out of the score path | `encode`, `chat/completions`, `score` (optional) | GPU SIE deployment required: ColQwen2.5 retriever + Qwen3.5-4B answer model (runs on the generation bundle) | Runnable demo | | [Multi-model contract review with the OpenAI Agents SDK](./contract-review-agent) | Running an OpenAI Agents SDK agent whose every model call (triage, orchestration, vision, OCR, embeddings, rerank, entity extraction, text-to-SQL, reasoning, and a safety guardrail) is served by one SIE cluster, each step on the right catalog model, with per-model observability | `chat/completions`, `encode`, `score`, `extract` | GPU SIE deployment required; standalone `uv` project; real contracts fetched from CUAD (CC BY 4.0) | Runnable demo | | [Turn difficult PDFs into Markdown](./document-to-markdown) | Preserving tables, reading order, headings, and form labels across real financial, academic, and government PDFs | `extract` | SIE endpoint with `docling`; standalone `uv` project; source PDFs fetched at run time | Runnable evaluation example | -| [Review a flood claim packet](./insurance-claims-agent) | Finding an unsigned form and a $400 evidence mismatch across a policy, estimate, inventory, and damage photograph | `extract`, `score`, `chat/completions` | GPU SIE deployment; standalone `uv` project; public FEMA documents and public-domain photograph fetched at run time | Runnable agent example | +| [Review a published flood-insurance appeal](./insurance-claims-agent) | Separating FEMA's covered stone-removal scope from excluded barge, handling, disposal, and yard costs | `extract`, `score`, `chat/completions` | GPU SIE deployment; standalone `uv` project; bundled public FEMA appeal and policy | Runnable agent example | For docs publishing, lead with the quickest runnable demos, then use the benchmark and evaluation examples for deeper technical users. diff --git a/examples/insurance-claims-agent/README.md b/examples/insurance-claims-agent/README.md index 452ea6f9..7077e380 100644 --- a/examples/insurance-claims-agent/README.md +++ b/examples/insurance-claims-agent/README.md @@ -1,36 +1,41 @@ -# Review a flood claim packet through one SIE cluster +# Review a public flood-insurance appeal through one SIE cluster -This example reviews a realistic claim packet built from an official FEMA proof -of loss, the Standard Flood Insurance Policy, a public-domain damage photograph, -and a fictional repair estimate. +This example reviews FEMA Flood Insurance Appeal Decision B8 and the controlling +Standard Flood Insurance Policy. The appeal is a public, redacted record. It +concerns a July 2019 Lake Ontario flood and a disputed request to remove stones +from underneath an insured building. -The packet contains two deliberate problems. The proof of loss is unsigned. Its -net claim total is $81,060, while the attached estimate and inventory support -$80,660 after deductibles. +The record is useful because the outcome turns on scope. FEMA directed the +insurer to cover removal of 12 to 15 cubic yards of flood-borne stones from +underneath the building to its perimeter. Barge transport, handling, disposal, +and debris removal from the yard remain outside that covered scope. ## What SIE does | Stage | Model | Result | |---|---|---| -| Parse the form, estimate, and policy | `docling` | Markdown with form labels, tables, and policy text | -| Read the claim identity | `fastino/gliner2-large-v1` | Typed name, policy number, loss date, and property address | -| Retrieve controlling policy language | `BAAI/bge-reranker-v2-m3` | Ranked passages about proof of loss and supporting records | -| Detect visible damage categories | `IDEA-Research/grounding-dino-tiny` | Labels, confidence scores, and boxes | -| Produce the evidence review | `Qwen/Qwen3.5-4B:no-spec` | JSON with route, totals, sourced findings, and next actions | +| Parse the appeal and policy | `docling` | Markdown with the record, amounts, rules, analysis, and conclusion | +| Extract claim facts | `fastino/gliner2-large-v1` | Amounts, debris volume, loss date, and coverage terms | +| Retrieve controlling policy language | `BAAI/bge-reranker-v2-m3` | Ranked passages about non-owned debris removal | +| Produce the cited review | `Qwen/Qwen3.5-4B:no-spec` | JSON separating covered work, excluded costs, and evidence still needed | -Every model call goes through SIE. The review uses the generation endpoint; the -photograph uses Grounding DINO through the extract endpoint. +Every model call goes through SIE. -## Verified result +## Expected result -We ran the complete packet on an NVIDIA L4 on July 23, 2026. The evaluator -passed all six checks. Qwen returned `manual_review` with two sourced findings: +The evaluator checks facts stated in FEMA's published decision: -- Blocking: `Proof of Loss lacks required signature and date` -- High priority: `Claimed total exceeds attachment total by $400.00` +- amended proof of loss: `$182,552.00`; +- debris-removal estimate: `$49,500.00`; +- barge estimate: `$181,832.94`; +- covered physical scope: `12` to `15` cubic yards beneath the building; +- excluded scope: barge transport, handling, disposal, and yard removal; +- follow-up evidence: comparison estimates and proof of work from prior claims. -Grounding DINO found furniture at 0.509 confidence and standing water at 0.276 -confidence. The saved boxes use the original 3072 by 2304 image coordinates. +The model summarizes a completed public appeal. It does not decide a live claim. + +The [`verified-run`](verified-run/) directory records a July 26, 2026 run in +which all ten factual checks passed. ## Run it @@ -40,15 +45,10 @@ cp .env.example .env uv sync uv run fetch-claim-sources -uv run prepare-claim uv run review-claim --run-id local uv run eval-claim runs/local ``` -`prepare-claim` fills FEMA Form 086-0-09 with the fictional values in -`fixtures/claim.json`. It also creates a contractor-style repair estimate and -copies the public-domain photograph into the packet. - For SIE Cloud, set one URL and key: ```bash @@ -63,17 +63,17 @@ separate ports: # Terminal 1: Docling, GLiNER2, and reranking sie-server serve --port 8080 -# Terminal 2: Grounding DINO and Qwen generation -sie-server serve --models IDEA-Research/grounding-dino-tiny,Qwen/Qwen3.5-4B:no-spec --port 8081 +# Terminal 2: Qwen generation +sie-server serve --models Qwen/Qwen3.5-4B:no-spec --port 8081 SIE_GENERATION_URL=http://localhost:8081 uv run review-claim --run-id local ``` -On one GPU, release the default bundle before loading the generation models: +On one GPU, release the default bundle before loading the generation model: ```bash uv run review-claim --run-id local --stage default -# Stop the default server, then start the Grounding DINO + Qwen server on the same port. +# Stop the default server, then start Qwen on the same port. uv run review-claim --run-id local --stage generation ``` @@ -82,17 +82,16 @@ uv run review-claim --run-id local --stage generation ```text runs//manifest.json endpoints, models, and per-call latency runs//source-manifest.json source URLs, rights, sizes, and checksums -runs//packet-manifest.json packet files and expected reconciliation -runs//markdown/*.md parsed form, estimate, and policy +runs//markdown/*.md parsed appeal decision and policy +runs//claim-facts.json extracted amounts, dates, and scope phrases runs//policy-evidence.json reranked policy passages -runs//photo-analysis.md vision-model observations -runs//review.json structured claim review -runs//evaluation.json deterministic result checks +runs//review.json structured appeal review +runs//evaluation.json deterministic factual checks runs//raw/*.json complete model responses ``` ## Safety boundary -The output routes evidence for a human adjuster. It does not approve or deny -coverage, calculate a payment, label fraud, or make a legal determination. The -claim is fictional, and the generated estimate is marked as a software fixture. +The output summarizes a published FEMA appeal for software evaluation. It does +not approve or deny coverage, calculate a payment, label fraud, or replace an +adjuster. diff --git a/examples/insurance-claims-agent/config.yaml b/examples/insurance-claims-agent/config.yaml index 7405c5f8..3f6b8e9c 100644 --- a/examples/insurance-claims-agent/config.yaml +++ b/examples/insurance-claims-agent/config.yaml @@ -9,7 +9,6 @@ models: parse: "docling" extract: "fastino/gliner2-large-v1" rerank: "BAAI/bge-reranker-v2-m3" - vision: "IDEA-Research/grounding-dino-tiny" review: "Qwen/Qwen3.5-4B:no-spec" retrieval: @@ -18,14 +17,14 @@ retrieval: chunk_characters: 1800 sources: - - slug: "nfip-proof-of-loss" - title: "NFIP Proof of Loss, FEMA Form 086-0-09" - file_name: "nfip-proof-of-loss.pdf" + - slug: "nfip-appeal-b8" + title: "FEMA Flood Insurance Appeal Decision B8" + file_name: "nfip-appeal-b8.pdf" media_type: "application/pdf" - url: "https://www.fema.gov/sites/default/files/2020-07/FEMA-Form_086-0-09_proof-of-loss.pdf" - source_page: "https://www.fema.gov/flood-insurance/find-form/claims" + url: "https://www.floodsmart.gov/sites/default/files/media/document/2022-12/B8_Direct%20Physical%20Loss_Proof%20of%20Loss_Overturn.pdf" + source_page: "https://www.floodsmart.gov/flood-claim-memos/appeal-issue/direct-physical-loss/proof-loss" rights: "U.S. federal government work. Do not imply FEMA or DHS endorsement." - fixture_file: "fixtures/sources/nfip-proof-of-loss.pdf" + fixture_file: "fixtures/sources/nfip-appeal-b8.pdf" - slug: "sfip-dwelling-policy" title: "Standard Flood Insurance Policy, Dwelling Form" @@ -35,12 +34,3 @@ sources: source_page: "https://www.fema.gov/flood-insurance/find-form/underwriting" rights: "U.S. federal government work. Do not imply FEMA or DHS endorsement." fixture_file: "fixtures/sources/sfip-dwelling-policy.pdf" - - - slug: "flooded-house-interior" - title: "Flooded house interior" - file_name: "flooded-house-interior.jpg" - media_type: "image/jpeg" - url: "https://upload.wikimedia.org/wikipedia/commons/0/01/Flooded_house_interior.jpg" - source_page: "https://commons.wikimedia.org/wiki/File:Flooded_house_interior.jpg" - rights: "Public domain U.S. Fish and Wildlife Service photograph." - fixture_file: "fixtures/sources/flooded-house-interior.jpg" diff --git a/examples/insurance-claims-agent/fixtures/SOURCES.md b/examples/insurance-claims-agent/fixtures/SOURCES.md index 04cf2a50..79171823 100644 --- a/examples/insurance-claims-agent/fixtures/SOURCES.md +++ b/examples/insurance-claims-agent/fixtures/SOURCES.md @@ -1,37 +1,25 @@ # Source and data notes -The example combines public government documents, a public-domain photograph, -and an explicitly fictional claim. +The example uses two public FEMA documents. Both are U.S. federal government +works. Their inclusion does not imply FEMA or DHS endorsement. -## FEMA NFIP Proof of Loss +## FEMA Flood Insurance Appeal Decision B8 -- File: https://www.fema.gov/sites/default/files/2020-07/FEMA-Form_086-0-09_proof-of-loss.pdf -- Form: FEMA Form 086-0-09 (04/17) -- Use: the example fills the official form with fictional claim data +- File: https://www.floodsmart.gov/sites/default/files/media/document/2022-12/B8_Direct%20Physical%20Loss_Proof%20of%20Loss_Overturn.pdf +- Source page: https://www.floodsmart.gov/flood-claim-memos/appeal-issue/direct-physical-loss/proof-loss +- Published record: FEMA Flood Insurance Appeal Decision B8 +- Use: the claim record, amounts, policy issue, analysis, and conclusion +- Privacy: FEMA published the decision without the policyholder's identity or + property address - Rights: U.S. federal government work under 17 U.S.C. § 105 -- Reproducibility: the exact government PDF is bundled as a fallback because - FEMA may reject requests from datacenter IP addresses +- Reproducibility: the exact PDF is bundled because government sites may reject + requests from datacenter IP addresses ## Standard Flood Insurance Policy, Dwelling Form - File: https://www.fema.gov/sites/default/files/documents/fema_F-122-Dwelling-SFIP_2021.pdf -- Use: policy retrieval and cited claim-review findings +- Source page: https://www.fema.gov/flood-insurance/find-form/underwriting +- Use: retrieval of the policy terms governing non-owned debris removal - Rights: U.S. federal government work under 17 U.S.C. § 105 -- Reproducibility: the exact government PDF is bundled as a fallback because - FEMA may reject requests from datacenter IP addresses - -## Flooded house interior photograph - -- File page: https://commons.wikimedia.org/wiki/File:Flooded_house_interior.jpg -- Author: U.S. Fish and Wildlife Service -- Use: visual inspection of the submitted damage photograph -- Rights: public domain U.S. federal government work -- Reproducibility: the exact photograph is bundled as a fallback for Wikimedia - rate limits - -## Fictional claim - -`claim.json` and `claim-note.txt` contain no real policyholder information. -`prepare-claim` fills the FEMA form and produces the attached estimate. The -deliberate evidence issues are an unsigned proof of loss and a $400 difference -between the form and the estimate. +- Reproducibility: the exact PDF is bundled because FEMA may reject requests + from datacenter IP addresses diff --git a/examples/insurance-claims-agent/fixtures/claim-note.txt b/examples/insurance-claims-agent/fixtures/claim-note.txt deleted file mode 100644 index 7947e475..00000000 --- a/examples/insurance-claims-agent/fixtures/claim-note.txt +++ /dev/null @@ -1,8 +0,0 @@ -Subject: Initial flood proof of loss for NFIP-SAMPLE-482019 - -Please review the attached proof of loss, repair estimate, contents inventory, -and interior photo. River overflow entered the first floor on April 14, 2025. -The form has not been signed yet. - -All names, addresses, policy identifiers, contact details, and amounts in this -sample are fictional. diff --git a/examples/insurance-claims-agent/fixtures/claim.json b/examples/insurance-claims-agent/fixtures/claim.json deleted file mode 100644 index 81535200..00000000 --- a/examples/insurance-claims-agent/fixtures/claim.json +++ /dev/null @@ -1,57 +0,0 @@ -{ - "fictional": true, - "claim_number": "NFIP-SAMPLE-482019", - "insured_name": "Jordan Ellis", - "policy_number": "FEMA-TEST-482019", - "property": { - "street": "100 Sample Street", - "city": "Lake Charles", - "state": "Louisiana", - "zip": "70601" - }, - "date_of_loss": "04/14/2025", - "mailing_address": "100 Sample Street", - "contact": { - "phone": "555-010-4820", - "email": "jordan.ellis@example.invalid" - }, - "flood_description": "River overflow entered the first floor and remained for approximately six hours.", - "coverage": { - "building": 250000, - "contents": 100000 - }, - "proof_of_loss": { - "building_rcv": 72480, - "building_acv": 68180, - "building_depreciation": 4300, - "building_deductible": 2000, - "building_net_claimed": 66180, - "contents_rcv": 19720, - "contents_acv": 15880, - "contents_deductible": 1000, - "contents_net_claimed": 14880 - }, - "estimate": { - "building": [ - ["Water extraction and antimicrobial cleaning", 1, "job", 4180], - ["Remove and replace gypsum wallboard", 1260, "sq ft", 13.5], - ["Replace wall insulation", 1260, "sq ft", 4.25], - ["Remove and replace resilient flooring", 980, "sq ft", 18.5], - ["Replace base cabinets", 18, "linear ft", 425], - ["Electrical inspection and affected outlets", 1, "job", 4280], - ["Prime and paint repaired interior walls", 2100, "sq ft", 3.75], - ["Debris removal", 1, "job", 3300] - ], - "contents": [ - ["Sofa", 1, "item", 1800], - ["Dining table and chairs", 1, "set", 1200], - ["Area rugs", 3, "items", 300], - ["Television and small electronics", 1, "lot", 2400], - ["Washer and dryer", 1, "set", 2100], - ["Kitchen contents", 1, "lot", 1480], - ["Clothing", 1, "lot", 3000], - ["Storage shelving", 1, "lot", 1200], - ["Bed and mattress", 1, "set", 1800] - ] - } -} diff --git a/examples/insurance-claims-agent/fixtures/sources/flooded-house-interior.jpg b/examples/insurance-claims-agent/fixtures/sources/flooded-house-interior.jpg deleted file mode 100644 index a0a11657..00000000 Binary files a/examples/insurance-claims-agent/fixtures/sources/flooded-house-interior.jpg and /dev/null differ diff --git a/examples/insurance-claims-agent/fixtures/sources/nfip-appeal-b8.pdf b/examples/insurance-claims-agent/fixtures/sources/nfip-appeal-b8.pdf new file mode 100644 index 00000000..8f451e58 Binary files /dev/null and b/examples/insurance-claims-agent/fixtures/sources/nfip-appeal-b8.pdf differ diff --git a/examples/insurance-claims-agent/fixtures/sources/nfip-proof-of-loss.pdf b/examples/insurance-claims-agent/fixtures/sources/nfip-proof-of-loss.pdf deleted file mode 100644 index b2e3c23c..00000000 Binary files a/examples/insurance-claims-agent/fixtures/sources/nfip-proof-of-loss.pdf and /dev/null differ diff --git a/examples/insurance-claims-agent/insurance_claims/config.py b/examples/insurance-claims-agent/insurance_claims/config.py index c285bbcb..3b40d409 100644 --- a/examples/insurance-claims-agent/insurance_claims/config.py +++ b/examples/insurance-claims-agent/insurance_claims/config.py @@ -1,6 +1,5 @@ from __future__ import annotations -import json import os from dataclasses import dataclass from pathlib import Path @@ -12,9 +11,7 @@ ROOT = Path(__file__).resolve().parent.parent DATA_DIR = ROOT / "data" SOURCE_DIR = DATA_DIR / "sources" -PACKET_DIR = DATA_DIR / "claim-packet" RUNS_DIR = ROOT / "runs" -FIXTURES_DIR = ROOT / "fixtures" @dataclass(frozen=True) @@ -31,7 +28,6 @@ class ModelsConfig: parse: str extract: str rerank: str - vision: str review: str @@ -91,7 +87,6 @@ def load_config() -> AppConfig: parse=os.environ.get("SIE_PARSE_MODEL", model_raw["parse"]), extract=os.environ.get("SIE_EXTRACT_MODEL", model_raw["extract"]), rerank=os.environ.get("SIE_RERANK_MODEL", model_raw["rerank"]), - vision=os.environ.get("SIE_VISION_MODEL", model_raw["vision"]), review=os.environ.get("SIE_REVIEW_MODEL", model_raw["review"]), ) retrieval_raw = raw["retrieval"] @@ -113,10 +108,6 @@ def load_config() -> AppConfig: ) -def load_claim() -> dict[str, Any]: - return json.loads((FIXTURES_DIR / "claim.json").read_text(encoding="utf-8")) - - def source_by_slug(config: AppConfig, slug: str) -> Source: for source in config.sources: if source.slug == slug: diff --git a/examples/insurance-claims-agent/insurance_claims/evaluate.py b/examples/insurance-claims-agent/insurance_claims/evaluate.py index 14c5c334..b083ae2c 100644 --- a/examples/insurance-claims-agent/insurance_claims/evaluate.py +++ b/examples/insurance-claims-agent/insurance_claims/evaluate.py @@ -1,6 +1,7 @@ from __future__ import annotations import argparse +import hashlib import json from dataclasses import asdict, dataclass from pathlib import Path @@ -19,32 +20,79 @@ class Check: detail: str +def _close(value: object, expected: float) -> bool: + try: + return abs(float(value) - expected) < 0.01 + except (TypeError, ValueError): + return False + + def evaluate_review(review: dict[str, Any]) -> list[Check]: - summary = review.get("claim_summary", {}) - categories = {finding.get("category") for finding in review.get("findings", [])} - blocking_signature = any( - finding.get("category") == "missing_signature" and finding.get("severity") == "blocking" - for finding in review.get("findings", []) - ) + summary = review.get("appeal_summary", {}) + decision = review.get("decision", {}) + findings = review.get("findings", []) + categories = {finding.get("category") for finding in findings} + covered = str(decision.get("covered_scope", "")).casefold() + excluded = str(decision.get("excluded_scope", "")).casefold() + evidence = str(decision.get("evidence_needed", "")).casefold() + overlap = str(decision.get("prior_claim_check", "")).casefold() + return [ - Check("manual-review-route", review.get("route") == "manual_review", str(review.get("route"))), Check( - "claimed-total", - abs(float(summary.get("claimed_total", 0)) - 81060) < 0.01, - str(summary.get("claimed_total")), + "scope-review-route", + review.get("route") == "scope_review_required", + str(review.get("route")), + ), + Check( + "proof-of-loss-amount", + _close(summary.get("proof_of_loss_amount"), 182552), + str(summary.get("proof_of_loss_amount")), ), Check( - "attachment-total", - abs(float(summary.get("attachment_total", 0)) - 80660) < 0.01, - str(summary.get("attachment_total")), + "removal-estimate", + _close(summary.get("removal_estimate"), 49500), + str(summary.get("removal_estimate")), ), Check( - "difference", - abs(float(summary.get("difference", 0)) - 400) < 0.01, - str(summary.get("difference")), + "barge-estimate", + _close(summary.get("barge_estimate"), 181832.94), + str(summary.get("barge_estimate")), + ), + Check( + "debris-volume", + summary.get("debris_cubic_yards_min") == 12 and summary.get("debris_cubic_yards_max") == 15, + f"{summary.get('debris_cubic_yards_min')} to {summary.get('debris_cubic_yards_max')}", + ), + Check( + "covered-scope", + "underneath" in covered and "perimeter" in covered, + str(decision.get("covered_scope")), + ), + Check( + "excluded-scope", + "barge" in excluded and "disposal" in excluded, + str(decision.get("excluded_scope")), + ), + Check( + "price-support", + "estimate" in evidence or "contractor" in evidence, + str(decision.get("evidence_needed")), + ), + Check( + "prior-claim-overlap", + "previous" in overlap or "prior" in overlap, + str(decision.get("prior_claim_check")), + ), + Check( + "finding-categories", + { + "covered_removal", + "excluded_transport", + "price_support", + "prior_claim_overlap", + }.issubset(categories), + ", ".join(sorted(str(category) for category in categories)), ), - Check("missing-signature", blocking_signature, "blocking finding required"), - Check("amount-mismatch", "amount_mismatch" in categories, "amount_mismatch finding required"), ] @@ -66,6 +114,21 @@ def evaluate_run(run_dir: Path) -> bool: + "\n", encoding="utf-8", ) + manifest_path = run_dir / "manifest.json" + if manifest_path.exists(): + manifest = json.loads(manifest_path.read_text(encoding="utf-8")) + manifest["artifacts"] = [ + { + "path": str(path.relative_to(run_dir)), + "sha256": hashlib.sha256(path.read_bytes()).hexdigest(), + } + for path in sorted(run_dir.rglob("*")) + if path.is_file() and path != manifest_path + ] + manifest_path.write_text( + json.dumps(manifest, indent=2) + "\n", + encoding="utf-8", + ) table = Table("Check", "Result", "Detail") for check in checks: table.add_row( @@ -78,7 +141,7 @@ def evaluate_run(run_dir: Path) -> bool: def main() -> None: - parser = argparse.ArgumentParser(description="Check the saved claim-review result") + parser = argparse.ArgumentParser(description="Check the saved FEMA appeal review") parser.add_argument("run_dir", type=Path) args = parser.parse_args() if not evaluate_run(args.run_dir): diff --git a/examples/insurance-claims-agent/insurance_claims/fetch.py b/examples/insurance-claims-agent/insurance_claims/fetch.py index 4728dde1..a3896047 100644 --- a/examples/insurance-claims-agent/insurance_claims/fetch.py +++ b/examples/insurance-claims-agent/insurance_claims/fetch.py @@ -52,8 +52,6 @@ def _download(source: Source) -> tuple[bytes, str]: def _validate(source: Source, payload: bytes) -> None: if source.media_type == "application/pdf" and not payload.startswith(b"%PDF"): raise ValueError(f"{source.url} did not return a PDF") - if source.media_type == "image/jpeg" and not payload.startswith(b"\xff\xd8\xff"): - raise ValueError(f"{source.url} did not return a JPEG") def fetch_sources(*, refresh: bool) -> Path: @@ -103,7 +101,7 @@ def fetch_sources(*, refresh: bool) -> Path: def main() -> None: - parser = argparse.ArgumentParser(description="Fetch the public claim form, policy, and damage photograph") + parser = argparse.ArgumentParser(description="Fetch the public FEMA appeal decision and flood policy") parser.add_argument("--refresh", action="store_true") args = parser.parse_args() console.print(f"\nSource manifest: {fetch_sources(refresh=args.refresh)}") diff --git a/examples/insurance-claims-agent/insurance_claims/prepare.py b/examples/insurance-claims-agent/insurance_claims/prepare.py deleted file mode 100644 index 4318a8cf..00000000 --- a/examples/insurance-claims-agent/insurance_claims/prepare.py +++ /dev/null @@ -1,257 +0,0 @@ -from __future__ import annotations - -import json -import shutil -from decimal import Decimal -from pathlib import Path -from typing import Any - -from pypdf import PdfReader, PdfWriter -from reportlab.lib import colors -from reportlab.lib.enums import TA_RIGHT -from reportlab.lib.pagesizes import letter -from reportlab.lib.styles import ParagraphStyle, getSampleStyleSheet -from reportlab.lib.units import inch -from reportlab.platypus import Paragraph, SimpleDocTemplate, Spacer, Table, TableStyle -from rich.console import Console - -from insurance_claims.config import FIXTURES_DIR, PACKET_DIR, load_claim, load_config, source_by_slug - -console = Console() -FIELD_PREFIX = "CBP303[0].FEMAFormTemplate[0]." - - -def _money(value: Decimal | float) -> str: - return f"{Decimal(str(value)):,.2f}" - - -def line_total(row: list[Any]) -> Decimal: - return Decimal(str(row[1])) * Decimal(str(row[3])) - - -def reconciliation(claim: dict[str, Any]) -> dict[str, Decimal]: - building_attachment = sum((line_total(row) for row in claim["estimate"]["building"]), Decimal()) - contents_attachment = sum((line_total(row) for row in claim["estimate"]["contents"]), Decimal()) - proof = claim["proof_of_loss"] - claimed_total = Decimal(str(proof["building_net_claimed"])) + Decimal(str(proof["contents_net_claimed"])) - attachment_total = ( - building_attachment - - Decimal(str(proof["building_deductible"])) - + contents_attachment - - Decimal(str(proof["contents_deductible"])) - ) - return { - "building_attachment_acv": building_attachment, - "contents_attachment_acv": contents_attachment, - "claimed_total": claimed_total, - "attachment_total": attachment_total, - "difference": claimed_total - attachment_total, - } - - -def _field(name: str) -> str: - return f"{FIELD_PREFIX}{name}" - - -def _fill_proof_of_loss(template: Path, destination: Path, claim: dict[str, Any]) -> None: - property_data = claim["property"] - contact = claim["contact"] - proof = claim["proof_of_loss"] - values = { - _field("CheckBox1[0]"): "/1", - _field("TextField1[0]"): claim["insured_name"], - _field("TextField2[0]"): claim["policy_number"], - _field("Table1[0].Row1[0].Cell1[0]"): property_data["street"], - _field("Table1[0].Row2[0].Cell1[0]"): property_data["city"], - _field("Table1[0].Row2[0].Cell2[0]"): property_data["state"], - _field("Table1[0].Row2[0].Cell3[0]"): property_data["zip"], - _field("TextField3[0]"): claim["date_of_loss"], - _field("CheckBox4[0]"): "/1", - _field("TextField5[0]"): claim["mailing_address"], - _field("TextField7[0]"): property_data["city"], - _field("DropDownList1[0]"): property_data["state"], - _field("TextField8[0]"): property_data["zip"], - _field("TextField9[0]"): "Sample Flood Insurance Co.", - _field("TextField10[0]"): contact["phone"], - _field("TextField12[0]"): contact["email"], - _field("TextField13[0]"): contact["phone"], - _field("CheckBox5[0]"): "/1", - _field("CheckBox7[0]"): "/1", - _field("CheckBox12[0]"): "/1", - _field("TextField15[0]"): _money(claim["coverage"]["building"]), - _field("TextField16[0]"): _money(claim["coverage"]["contents"]), - _field("TextField17[0]"): _money(proof["building_rcv"]), - _field("TextField18[0]"): _money(proof["contents_rcv"]), - _field("TextField19[0]"): _money(proof["building_acv"]), - _field("TextField20[0]"): _money(proof["contents_acv"]), - _field("TextField21[0]"): _money(proof["building_depreciation"]), - _field("TextField22[0]"): _money(proof["building_deductible"]), - _field("TextField23[0]"): _money(proof["contents_deductible"]), - _field("TextField24[0]"): _money(proof["building_net_claimed"]), - _field("TextField25[0]"): _money(proof["contents_net_claimed"]), - _field("CheckBox13[0]"): "/1", - } - reader = PdfReader(template) - writer = PdfWriter() - writer.clone_document_from_reader(reader) - writer.update_page_form_field_values(writer.pages[0], values, auto_regenerate=False) - writer.set_need_appearances_writer(True) - with destination.open("wb") as output: - writer.write(output) - - -def _estimate_rows(rows: list[list[Any]]) -> list[list[str]]: - result = [["Description", "Qty.", "Unit", "Unit price", "Line total"]] - for description, quantity, unit, price in rows: - result.append( - [ - str(description), - f"{quantity:g}" if isinstance(quantity, float) else str(quantity), - str(unit), - f"${_money(price)}", - f"${_money(line_total([description, quantity, unit, price]))}", - ] - ) - return result - - -def _create_estimate(destination: Path, claim: dict[str, Any]) -> None: - styles = getSampleStyleSheet() - small = ParagraphStyle("small", parent=styles["BodyText"], fontSize=8, leading=10) - right = ParagraphStyle("right", parent=styles["BodyText"], alignment=TA_RIGHT, fontSize=9) - document = SimpleDocTemplate( - str(destination), - pagesize=letter, - rightMargin=0.55 * inch, - leftMargin=0.55 * inch, - topMargin=0.45 * inch, - bottomMargin=0.45 * inch, - title=f"Repair estimate for {claim['claim_number']}", - ) - story = [ - Paragraph("SYNTHETIC SAMPLE CLAIM", styles["Heading4"]), - Paragraph("Bayou Restoration Co. (fictional)", styles["Title"]), - Paragraph( - f"Estimate BR-1042 · Claim {claim['claim_number']}
" - f"{claim['property']['street']}, {claim['property']['city']}, " - f"{claim['property']['state']} {claim['property']['zip']}", - styles["BodyText"], - ), - Spacer(1, 12), - Paragraph("Building repair estimate", styles["Heading2"]), - ] - table_style = TableStyle( - [ - ("BACKGROUND", (0, 0), (-1, 0), colors.HexColor("#E7E7E7")), - ("TEXTCOLOR", (0, 0), (-1, 0), colors.HexColor("#222222")), - ("FONTNAME", (0, 0), (-1, 0), "Helvetica-Bold"), - ("FONTNAME", (0, 1), (-1, -1), "Helvetica"), - ("FONTSIZE", (0, 0), (-1, -1), 7.5), - ("LEADING", (0, 0), (-1, -1), 9), - ("ALIGN", (1, 1), (-1, -1), "RIGHT"), - ("GRID", (0, 0), (-1, -1), 0.35, colors.HexColor("#AAAAAA")), - ("VALIGN", (0, 0), (-1, -1), "TOP"), - ("TOPPADDING", (0, 0), (-1, -1), 4), - ("BOTTOMPADDING", (0, 0), (-1, -1), 4), - ] - ) - building_table = Table( - _estimate_rows(claim["estimate"]["building"]), - colWidths=[3.05 * inch, 0.45 * inch, 0.65 * inch, 0.8 * inch, 0.85 * inch], - repeatRows=1, - ) - building_table.setStyle(table_style) - story.extend([building_table, Spacer(1, 12), Paragraph("Contents inventory", styles["Heading2"])]) - contents_table = Table( - _estimate_rows(claim["estimate"]["contents"]), - colWidths=[3.05 * inch, 0.45 * inch, 0.65 * inch, 0.8 * inch, 0.85 * inch], - repeatRows=1, - ) - contents_table.setStyle(table_style) - totals = reconciliation(claim) - proof = claim["proof_of_loss"] - summary = Table( - [ - ["Building attachment ACV", f"${_money(totals['building_attachment_acv'])}"], - ["Contents attachment ACV", f"${_money(totals['contents_attachment_acv'])}"], - ["Less deductibles", f"-${_money(proof['building_deductible'] + proof['contents_deductible'])}"], - ["Attachment net total", f"${_money(totals['attachment_total'])}"], - ], - colWidths=[4.85 * inch, 1.0 * inch], - hAlign="RIGHT", - ) - summary.setStyle( - TableStyle( - [ - ("ALIGN", (1, 0), (1, -1), "RIGHT"), - ("FONTNAME", (0, -1), (-1, -1), "Helvetica-Bold"), - ("LINEABOVE", (0, -1), (-1, -1), 0.8, colors.black), - ("FONTSIZE", (0, 0), (-1, -1), 9), - ("TOPPADDING", (0, 0), (-1, -1), 4), - ("BOTTOMPADDING", (0, 0), (-1, -1), 4), - ] - ) - ) - story.extend( - [ - contents_table, - Spacer(1, 14), - summary, - Spacer(1, 14), - Paragraph( - "This estimate is an explicitly fictional fixture for software evaluation. " - "It is not an estimate, offer, policy interpretation, or claim decision.", - small, - ), - Paragraph(f"Prepared for evaluation on claim {claim['claim_number']}.", right), - ] - ) - document.build(story) - - -def prepare_claim() -> Path: - config = load_config() - claim = load_claim() - template = source_by_slug(config, "nfip-proof-of-loss").path - photo = source_by_slug(config, "flooded-house-interior").path - if not template.exists() or not photo.exists(): - raise FileNotFoundError("Missing source files. Run `uv run fetch-claim-sources` first.") - PACKET_DIR.mkdir(parents=True, exist_ok=True) - proof_path = PACKET_DIR / "filled-proof-of-loss.pdf" - estimate_path = PACKET_DIR / "repair-estimate-and-inventory.pdf" - photo_path = PACKET_DIR / "damage-photo.jpg" - note_path = PACKET_DIR / "claim-note.txt" - _fill_proof_of_loss(template, proof_path, claim) - _create_estimate(estimate_path, claim) - shutil.copyfile(photo, photo_path) - shutil.copyfile(FIXTURES_DIR / "claim-note.txt", note_path) - totals = reconciliation(claim) - manifest = { - "fictional": True, - "claim_number": claim["claim_number"], - "files": { - "proof_of_loss": str(proof_path.relative_to(PACKET_DIR)), - "estimate": str(estimate_path.relative_to(PACKET_DIR)), - "damage_photo": str(photo_path.relative_to(PACKET_DIR)), - "claim_note": str(note_path.relative_to(PACKET_DIR)), - "policy": str(source_by_slug(config, "sfip-dwelling-policy").path), - }, - "expected_evidence": {key: float(value) for key, value in totals.items()}, - "known_issues": ["missing_signature", "amount_mismatch"], - } - manifest_path = PACKET_DIR / "manifest.json" - manifest_path.write_text(json.dumps(manifest, indent=2) + "\n", encoding="utf-8") - console.print(f"Claim packet: {manifest_path}") - console.print( - f"Form claims ${_money(totals['claimed_total'])}; attachments support " - f"${_money(totals['attachment_total'])}; difference ${_money(totals['difference'])}." - ) - return manifest_path - - -def main() -> None: - prepare_claim() - - -if __name__ == "__main__": - main() diff --git a/examples/insurance-claims-agent/insurance_claims/review.py b/examples/insurance-claims-agent/insurance_claims/review.py index a46e9d30..59c8ea05 100644 --- a/examples/insurance-claims-agent/insurance_claims/review.py +++ b/examples/insurance-claims-agent/insurance_claims/review.py @@ -12,14 +12,18 @@ from sie_sdk import SIEClient from sie_sdk.types import Item -from insurance_claims.config import PACKET_DIR, RUNS_DIR, load_claim, load_config, source_by_slug -from insurance_claims.prepare import reconciliation +from insurance_claims.config import ( + DATA_DIR, + RUNS_DIR, + load_config, + source_by_slug, +) console = Console() POLICY_QUERY = ( - "What must the policyholder submit after a flood loss, including the signed proof of loss, " - "supporting estimates, inventory, photographs, and filing deadline?" + "What does the Standard Flood Insurance Policy cover for removal of non-owned flood debris " + "on or in insured property, and which transport, disposal, or yard-removal costs are excluded?" ) REVIEW_SCHEMA: dict[str, Any] = { @@ -27,17 +31,45 @@ "properties": { "route": { "type": "string", - "enum": ["manual_review", "ready_for_adjuster", "return_to_policyholder"], + "enum": [ + "scope_review_required", + "affirm_denial", + "insufficient_record", + ], }, "headline": {"type": "string"}, - "claim_summary": { + "appeal_summary": { + "type": "object", + "properties": { + "proof_of_loss_amount": {"type": "number"}, + "removal_estimate": {"type": "number"}, + "barge_estimate": {"type": "number"}, + "debris_cubic_yards_min": {"type": "integer"}, + "debris_cubic_yards_max": {"type": "integer"}, + }, + "required": [ + "proof_of_loss_amount", + "removal_estimate", + "barge_estimate", + "debris_cubic_yards_min", + "debris_cubic_yards_max", + ], + "additionalProperties": False, + }, + "decision": { "type": "object", "properties": { - "claimed_total": {"type": "number"}, - "attachment_total": {"type": "number"}, - "difference": {"type": "number"}, + "covered_scope": {"type": "string"}, + "excluded_scope": {"type": "string"}, + "evidence_needed": {"type": "string"}, + "prior_claim_check": {"type": "string"}, }, - "required": ["claimed_total", "attachment_total", "difference"], + "required": [ + "covered_scope", + "excluded_scope", + "evidence_needed", + "prior_claim_check", + ], "additionalProperties": False, }, "findings": { @@ -48,16 +80,16 @@ "category": { "type": "string", "enum": [ - "missing_signature", - "amount_mismatch", - "policy_deadline", - "photo_scope", + "covered_removal", + "excluded_transport", + "price_support", + "prior_claim_overlap", "other", ], }, "severity": { "type": "string", - "enum": ["blocking", "high", "medium", "low"], + "enum": ["decision", "high", "medium", "low"], }, "title": {"type": "string"}, "evidence": {"type": "string"}, @@ -65,23 +97,30 @@ "type": "array", "items": { "type": "string", - "enum": [ - "proof_of_loss", - "estimate", - "policy", - "damage_photo", - "claim_note", - ], + "enum": ["appeal_decision", "policy"], }, }, }, - "required": ["category", "severity", "title", "evidence", "sources"], + "required": [ + "category", + "severity", + "title", + "evidence", + "sources", + ], "additionalProperties": False, }, }, "next_actions": {"type": "array", "items": {"type": "string"}}, }, - "required": ["route", "headline", "claim_summary", "findings", "next_actions"], + "required": [ + "route", + "headline", + "appeal_summary", + "decision", + "findings", + "next_actions", + ], "additionalProperties": False, } @@ -95,7 +134,10 @@ def _json_default(value: Any) -> Any: def _write_json(path: Path, value: Any) -> None: - path.write_text(json.dumps(value, indent=2, default=_json_default) + "\n", encoding="utf-8") + path.write_text( + json.dumps(value, indent=2, default=_json_default) + "\n", + encoding="utf-8", + ) def _parse_document( @@ -139,8 +181,20 @@ def chunk_markdown(markdown: str, target_characters: int) -> list[str]: return chunks -def _policy_candidates(chunks: list[str], limit: int) -> list[tuple[int, str]]: - terms = ("proof of loss", "signed", "sworn", "60 days", "estimate", "inventory", "photograph") +def _policy_candidates( + chunks: list[str], + limit: int, +) -> list[tuple[int, str]]: + terms = ( + "debris", + "non-owned", + "removal", + "insured property", + "disposal", + "flood-borne", + "building", + "yard", + ) ranked = sorted( enumerate(chunks), key=lambda row: sum(term in row[1].casefold() for term in terms), @@ -164,7 +218,7 @@ def _retrieve_policy( started = time.perf_counter() score_result = client.score( model, - Item(id="policy-requirements", text=POLICY_QUERY), + Item(id="debris-removal-scope", text=POLICY_QUERY), [Item(id=str(index), text=text) for index, text in candidates], wait_for_capacity=True, provision_timeout_s=provision_timeout_s, @@ -178,27 +232,33 @@ def _retrieve_policy( "score": score["score"], "text": by_index[score["item_id"]], } - for score in sorted(score_result["scores"], key=lambda item: item["rank"])[:result_limit] + for score in sorted( + score_result["scores"], + key=lambda item: item["rank"], + )[:result_limit] ] return selected, score_result, duration_ms -def _extract_claim_identity( +def _extract_claim_facts( client: SIEClient, model: str, markdown: str, provision_timeout_s: float, ) -> tuple[dict[str, Any], float]: labels = [ - "insured name", - "flood insurance policy number", - "date and time of loss", - "insured property address", + "proof of loss amount", + "debris removal estimate", + "barge transportation estimate", + "debris volume", + "date of loss", + "covered debris removal scope", + "excluded debris cost", ] started = time.perf_counter() result = client.extract( model, - Item(id="claim-identity", text=markdown[:5000]), + Item(id="appeal-facts", text=markdown[:12000]), labels=labels, wait_for_capacity=True, provision_timeout_s=provision_timeout_s, @@ -206,39 +266,6 @@ def _extract_claim_identity( return result, round((time.perf_counter() - started) * 1000, 1) -def _analyze_photo( - client: SIEClient, - model: str, - photo_path: Path, - provision_timeout_s: float, -) -> tuple[dict[str, Any], str, float]: - labels = [ - "standing water", - "flooded room", - "water damaged wall", - "damaged furniture", - "debris", - ] - started = time.perf_counter() - result = client.extract( - model, - Item(id="damage-photo", images=[photo_path]), - labels=labels, - options={"score_threshold": 0.05}, - wait_for_capacity=True, - provision_timeout_s=provision_timeout_s, - ) - duration_ms = round((time.perf_counter() - started) * 1000, 1) - objects = result.get("data", {}).get("objects", result.get("objects", [])) - content = "\n".join( - f"- {item['label']}: confidence {float(item['score']):.3f}, bbox {item['bbox']}" - for item in objects - ) - if not content: - content = "- No requested damage category exceeded the 0.05 confidence threshold." - return result, content, duration_ms - - def _json_object_from_text(text: str) -> dict[str, Any]: stripped = text.strip() if stripped.startswith("```"): @@ -258,53 +285,41 @@ def _final_review( client: SIEClient, model: str, *, - form_markdown: str, - estimate_markdown: str, - claim_identity: dict[str, Any], + appeal_markdown: str, + claim_facts: dict[str, Any], policy_chunks: list[dict[str, Any]], - photo_analysis: str, - claim_note: str, - totals: dict[str, Any], provision_timeout_s: float, ) -> tuple[dict[str, Any], dict[str, Any], float]: policy_evidence = "\n\n".join(f"[policy chunk {chunk['chunk_id']}]\n{chunk['text']}" for chunk in policy_chunks) prompt = f""" -Review this fictional flood claim packet and return the required JSON. - -Rules: -- Route the packet for manual review. This is evidence triage, not a coverage or payment decision. -- The proof of loss has no policyholder signature and no signature date. -- Report the arithmetic exactly as supplied below. -- Create a blocking missing_signature finding and a high-severity amount_mismatch finding. -- Cite only the source identifiers allowed by the schema. -- Treat the photograph as limited supporting evidence. Do not claim it proves hidden damage, quantities, or cost. - -Reconciliation calculated from the form and attachment line items: -{json.dumps(totals, indent=2, default=_json_default)} - -Structured claim identity: -{json.dumps(claim_identity, indent=2, default=_json_default)} +Summarize FEMA Flood Insurance Appeal Decision B8 as a cited operations review. -Claim note: -{claim_note} +Read the decision's background, rules, analysis, and conclusion. Separate the +physical work FEMA directed the insurer to cover from transport, handling, +disposal, yard work, and other costs outside that scope. Preserve the three +published dollar amounts and the debris-volume range exactly. Record the +additional price evidence and prior-claim checks FEMA requested. -Proof of loss: -{form_markdown[:10000]} +This is a summary of a completed public appeal. Do not make a new coverage or +payment decision. Cite only the source identifiers allowed by the schema. -Repair estimate and contents inventory: -{estimate_markdown[:10000]} +Entities extracted from the appeal: +{json.dumps(claim_facts, indent=2, default=_json_default)} -Damage photograph analysis: -{photo_analysis} +FEMA appeal decision: +{appeal_markdown[:18000]} -Retrieved policy language: +Retrieved Standard Flood Insurance Policy language: {policy_evidence} Required JSON schema: {json.dumps(REVIEW_SCHEMA, indent=2)} """.strip() generation_prompt = f"""<|im_start|>system -You review claim evidence for an insurance operations team. Return sourced discrepancies and the next evidence request. Never make a final coverage, fraud, liability, or payment decision. Return only one JSON object that matches the supplied schema.<|im_end|> +You summarize public insurance appeal records for an operations team. Return +the published outcome, its exact scope, cited facts, and unresolved evidence. +Never decide a live claim. Return only one JSON object matching the supplied +schema.<|im_end|> <|im_start|>user {prompt}<|im_end|> <|im_start|>assistant @@ -313,7 +328,7 @@ def _final_review( result = client.generate( model, generation_prompt, - max_new_tokens=1500, + max_new_tokens=1800, temperature=0, top_p=1, wait_for_capacity=True, @@ -324,23 +339,24 @@ def _final_review( return result, _json_object_from_text(content), duration_ms -def _require_packet() -> Path: - packet_manifest_path = PACKET_DIR / "manifest.json" - if not packet_manifest_path.exists(): - raise FileNotFoundError("Missing prepared packet. Run `uv run prepare-claim` first.") - return packet_manifest_path +def _require_sources() -> None: + config = load_config() + missing = [source.path for source in config.sources if not source.path.exists()] + if missing: + names = ", ".join(path.name for path in missing) + raise FileNotFoundError(f"Missing source files: {names}. Run `uv run fetch-claim-sources` first.") def run_default_stage(run_id: str) -> Path: config = load_config() - _require_packet() + _require_sources() run_dir = RUNS_DIR / run_id raw_dir = run_dir / "raw" markdown_dir = run_dir / "markdown" raw_dir.mkdir(parents=True, exist_ok=False) markdown_dir.mkdir(parents=True, exist_ok=True) - parse_client = SIEClient( + client = SIEClient( config.cluster.url, api_key=config.cluster.api_key or None, timeout_s=config.cluster.request_timeout_s, @@ -348,33 +364,39 @@ def run_default_stage(run_id: str) -> Path: timings: dict[str, float] = {} try: documents = { - "proof_of_loss": PACKET_DIR / "filled-proof-of-loss.pdf", - "estimate": PACKET_DIR / "repair-estimate-and-inventory.pdf", + "appeal_decision": source_by_slug(config, "nfip-appeal-b8").path, "policy": source_by_slug(config, "sfip-dwelling-policy").path, } markdown: dict[str, str] = {} for name, path in documents.items(): result, text, duration_ms = _parse_document( - parse_client, + client, config.models.parse, path, config.cluster.provision_timeout_s, ) _write_json(raw_dir / f"{name}-parse.json", result) - (markdown_dir / f"{name}.md").write_text(text.rstrip() + "\n", encoding="utf-8") + (markdown_dir / f"{name}.md").write_text( + text.rstrip() + "\n", + encoding="utf-8", + ) markdown[name] = text timings[f"parse_{name}_ms"] = duration_ms - identity_result, timings["extract_claim_identity_ms"] = _extract_claim_identity( - parse_client, + facts_result, timings["extract_claim_facts_ms"] = _extract_claim_facts( + client, config.models.extract, - markdown["proof_of_loss"], + markdown["appeal_decision"], config.cluster.provision_timeout_s, ) - _write_json(raw_dir / "claim-identity.json", identity_result) + _write_json(raw_dir / "claim-facts.json", facts_result) + _write_json( + run_dir / "claim-facts.json", + facts_result.get("data", facts_result), + ) policy_chunks, rerank_result, timings["rerank_policy_ms"] = _retrieve_policy( - parse_client, + client, config.models.rerank, markdown["policy"], chunk_characters=config.retrieval.chunk_characters, @@ -385,7 +407,7 @@ def run_default_stage(run_id: str) -> Path: _write_json(raw_dir / "policy-rerank.json", rerank_result) _write_json(run_dir / "policy-evidence.json", policy_chunks) finally: - parse_client.close() + client.close() _write_json( run_dir / "default-stage.json", @@ -397,7 +419,6 @@ def run_default_stage(run_id: str) -> Path: "rerank": config.models.rerank, }, "timings_ms": timings, - "claim_identity": identity_result.get("data", identity_result), }, ) table = Table("Default-bundle call", "Latency") @@ -410,8 +431,7 @@ def run_default_stage(run_id: str) -> Path: def run_generation_stage(run_id: str) -> Path: config = load_config() - claim = load_claim() - packet_manifest_path = _require_packet() + _require_sources() run_dir = RUNS_DIR / run_id raw_dir = run_dir / "raw" markdown_dir = run_dir / "markdown" @@ -419,76 +439,50 @@ def run_generation_stage(run_id: str) -> Path: if not default_stage_path.exists(): raise FileNotFoundError(f"Missing {default_stage_path}. Run the default stage first.") default_stage = json.loads(default_stage_path.read_text(encoding="utf-8")) - if not default_stage.get("claim_identity"): - default_stage["claim_identity"] = json.loads( - (raw_dir / "claim-identity.json").read_text(encoding="utf-8") - ) - markdown = { - name: (markdown_dir / f"{name}.md").read_text(encoding="utf-8") - for name in ("proof_of_loss", "estimate", "policy") - } + appeal_markdown = (markdown_dir / "appeal_decision.md").read_text(encoding="utf-8") + claim_facts = json.loads((run_dir / "claim-facts.json").read_text(encoding="utf-8")) policy_chunks = json.loads((run_dir / "policy-evidence.json").read_text(encoding="utf-8")) timings = dict(default_stage["timings_ms"]) - generation_client = SIEClient( + client = SIEClient( config.cluster.generation_url, api_key=config.cluster.api_key or None, timeout_s=config.cluster.request_timeout_s, ) try: - photo_raw, photo_analysis, timings["analyze_photo_ms"] = _analyze_photo( - generation_client, - config.models.vision, - PACKET_DIR / "damage-photo.jpg", - config.cluster.provision_timeout_s, - ) - _write_json(raw_dir / "photo-analysis.json", photo_raw) - (run_dir / "photo-analysis.md").write_text(photo_analysis.rstrip() + "\n", encoding="utf-8") - - totals = {key: float(value) for key, value in reconciliation(claim).items()} review_raw, review, timings["synthesize_review_ms"] = _final_review( - generation_client, + client, config.models.review, - form_markdown=markdown["proof_of_loss"], - estimate_markdown=markdown["estimate"], - claim_identity=default_stage["claim_identity"], + appeal_markdown=appeal_markdown, + claim_facts=claim_facts, policy_chunks=policy_chunks, - photo_analysis=photo_analysis, - claim_note=(PACKET_DIR / "claim-note.txt").read_text(encoding="utf-8"), - totals=totals, provision_timeout_s=config.cluster.provision_timeout_s, ) _write_json(raw_dir / "review-completion.json", review_raw) _write_json(run_dir / "review.json", review) finally: - generation_client.close() + client.close() manifest = { "run_id": run_id, "run_at": datetime.now(UTC).isoformat(), - "fictional_claim": True, + "public_record": True, "endpoints": { "cluster": default_stage["endpoint"], "generation": config.cluster.generation_url, }, "models": { **default_stage["models"], - "vision": config.models.vision, "review": config.models.review, }, "timings_ms": timings, "source_manifest": "source-manifest.json", - "packet_manifest": "packet-manifest.json", "review": "review.json", } _write_json(run_dir / "manifest.json", manifest) - _write_json( - run_dir / "packet-manifest.json", - json.loads(packet_manifest_path.read_text(encoding="utf-8")), - ) _write_json( run_dir / "source-manifest.json", - json.loads((PACKET_DIR.parent / "source-manifest.json").read_text(encoding="utf-8")), + json.loads((DATA_DIR / "source-manifest.json").read_text(encoding="utf-8")), ) table = Table("Model call", "Latency") @@ -508,7 +502,7 @@ def run_review(run_id: str | None = None) -> Path: def main() -> None: - parser = argparse.ArgumentParser(description="Review the fictional flood claim through SIE") + parser = argparse.ArgumentParser(description="Review FEMA Flood Insurance Appeal Decision B8 through SIE") parser.add_argument("--run-id") parser.add_argument( "--stage", diff --git a/examples/insurance-claims-agent/pyproject.toml b/examples/insurance-claims-agent/pyproject.toml index d3b73dc9..3b365fb4 100644 --- a/examples/insurance-claims-agent/pyproject.toml +++ b/examples/insurance-claims-agent/pyproject.toml @@ -1,21 +1,18 @@ [project] name = "insurance-claims-agent" version = "0.1.0" -description = "Review a realistic flood claim packet with specialized models served by SIE" +description = "Review a public FEMA flood appeal with specialized models served by SIE" readme = "README.md" requires-python = ">=3.12,<3.13" dependencies = [ - "pypdf>=6.0", "python-dotenv>=1.0", "pyyaml>=6.0", - "reportlab>=4.0", "rich>=13.7", "sie-sdk>=0.6.23", ] [project.scripts] fetch-claim-sources = "insurance_claims.fetch:main" -prepare-claim = "insurance_claims.prepare:main" review-claim = "insurance_claims.review:main" eval-claim = "insurance_claims.evaluate:main" diff --git a/examples/insurance-claims-agent/tests/test_config.py b/examples/insurance-claims-agent/tests/test_config.py index 002eb8f5..bbdc6fd6 100644 --- a/examples/insurance-claims-agent/tests/test_config.py +++ b/examples/insurance-claims-agent/tests/test_config.py @@ -1,24 +1,34 @@ from __future__ import annotations -from insurance_claims.config import load_claim, load_config +import hashlib +import json +from insurance_claims.config import ROOT, load_config -def test_source_set_uses_public_government_and_photo_sources() -> None: + +def test_source_set_uses_public_fema_documents() -> None: config = load_config() assert [source.slug for source in config.sources] == [ - "nfip-proof-of-loss", + "nfip-appeal-b8", "sfip-dwelling-policy", - "flooded-house-interior", ] + assert all(source.rights.startswith("U.S. federal government work") for source in config.sources) assert config.models.parse == "docling" - assert config.models.vision == "IDEA-Research/grounding-dino-tiny" + assert config.models.extract == "fastino/gliner2-large-v1" + assert config.models.rerank == "BAAI/bge-reranker-v2-m3" assert config.models.review == "Qwen/Qwen3.5-4B:no-spec" -def test_claim_fixture_is_explicitly_fictional() -> None: - claim = load_claim() +def test_bundled_sources_match_the_verified_source_manifest() -> None: + config = load_config() + manifest_path = ROOT / "verified-run" / "source-manifest.json" + manifest = json.loads(manifest_path.read_text(encoding="utf-8")) + expected = {row["slug"]: row for row in manifest["sources"]} - assert claim["fictional"] is True - assert "SAMPLE" in claim["claim_number"] - assert claim["contact"]["email"].endswith(".invalid") + assert set(expected) == {source.slug for source in config.sources} + for source in config.sources: + assert source.fixture_path is not None + payload = source.fixture_path.read_bytes() + assert len(payload) == expected[source.slug]["bytes"] + assert hashlib.sha256(payload).hexdigest() == expected[source.slug]["sha256"] diff --git a/examples/insurance-claims-agent/tests/test_prepare.py b/examples/insurance-claims-agent/tests/test_prepare.py deleted file mode 100644 index 6f2ec3bd..00000000 --- a/examples/insurance-claims-agent/tests/test_prepare.py +++ /dev/null @@ -1,16 +0,0 @@ -from __future__ import annotations - -from decimal import Decimal - -from insurance_claims.config import load_claim -from insurance_claims.prepare import reconciliation - - -def test_claim_contains_deliberate_400_dollar_mismatch() -> None: - totals = reconciliation(load_claim()) - - assert totals["building_attachment_acv"] == Decimal("67780.00") - assert totals["contents_attachment_acv"] == Decimal(15880) - assert totals["claimed_total"] == Decimal(81060) - assert totals["attachment_total"] == Decimal("80660.00") - assert totals["difference"] == Decimal("400.00") diff --git a/examples/insurance-claims-agent/tests/test_review.py b/examples/insurance-claims-agent/tests/test_review.py index ce3729e4..88e68471 100644 --- a/examples/insurance-claims-agent/tests/test_review.py +++ b/examples/insurance-claims-agent/tests/test_review.py @@ -1,18 +1,31 @@ from __future__ import annotations +import hashlib +import json +from dataclasses import asdict +from pathlib import Path + from insurance_claims.evaluate import evaluate_review from insurance_claims.review import ( - _extract_claim_identity, + _extract_claim_facts, _json_object_from_text, chunk_markdown, ) +ROOT = Path(__file__).resolve().parents[1] +VERIFIED_RUN = ROOT / "verified-run" + class FakeExtractClient: def __init__(self) -> None: self.labels: list[str] | None = None - def extract(self, _model: str, _item: object, **kwargs: object) -> dict[str, object]: + def extract( + self, + _model: str, + _item: object, + **kwargs: object, + ) -> dict[str, object]: self.labels = kwargs.get("labels") # type: ignore[assignment] return {"data": {"entities": []}} @@ -26,37 +39,80 @@ def test_chunk_markdown_keeps_all_paragraphs() -> None: assert len(chunks) == 2 -def test_claim_identity_passes_gliner2_labels() -> None: +def test_claim_fact_extraction_passes_domain_labels() -> None: client = FakeExtractClient() - _extract_claim_identity(client, "fastino/gliner2-large-v1", "claim text", 60) + _extract_claim_facts( + client, + "fastino/gliner2-large-v1", + "appeal text", + 60, + ) assert client.labels == [ - "insured name", - "flood insurance policy number", - "date and time of loss", - "insured property address", + "proof of loss amount", + "debris removal estimate", + "barge transportation estimate", + "debris volume", + "date of loss", + "covered debris removal scope", + "excluded debris cost", ] def test_review_json_accepts_fenced_model_output() -> None: - assert _json_object_from_text('```json\n{"route": "manual_review"}\n```') == { - "route": "manual_review" + assert _json_object_from_text('```json\n{"route": "scope_review_required"}\n```') == { + "route": "scope_review_required" } -def test_evaluation_accepts_expected_review() -> None: +def test_evaluation_accepts_published_appeal_result() -> None: review = { - "route": "manual_review", - "claim_summary": { - "claimed_total": 81060, - "attachment_total": 80660, - "difference": 400, + "route": "scope_review_required", + "appeal_summary": { + "proof_of_loss_amount": 182552, + "removal_estimate": 49500, + "barge_estimate": 181832.94, + "debris_cubic_yards_min": 12, + "debris_cubic_yards_max": 15, + }, + "decision": { + "covered_scope": ("Remove flood-borne stones from underneath the insured building to its perimeter."), + "excluded_scope": ("Barge transport, handling, disposal, and yard removal."), + "evidence_needed": "Other contractor estimates.", + "prior_claim_check": "Proof of repairs from previous claims.", }, "findings": [ - {"category": "missing_signature", "severity": "blocking"}, - {"category": "amount_mismatch", "severity": "high"}, + {"category": "covered_removal"}, + {"category": "excluded_transport"}, + {"category": "price_support"}, + {"category": "prior_claim_overlap"}, ], } assert all(check.passed for check in evaluate_review(review)) + + +def test_verified_evaluation_recomputes_from_the_recorded_review() -> None: + review = json.loads((VERIFIED_RUN / "review.json").read_text(encoding="utf-8")) + recorded = json.loads((VERIFIED_RUN / "evaluation.json").read_text(encoding="utf-8")) + checks = evaluate_review(review) + + assert recorded == { + "passed": all(check.passed for check in checks), + "checks": [asdict(check) for check in checks], + } + + +def test_verified_manifest_pins_every_recorded_artifact() -> None: + manifest = json.loads((VERIFIED_RUN / "manifest.json").read_text(encoding="utf-8")) + expected_paths = { + str(path.relative_to(VERIFIED_RUN)) + for path in VERIFIED_RUN.rglob("*") + if path.is_file() and path.name not in {"README.md", "manifest.json"} + } + artifacts = {entry["path"]: entry["sha256"] for entry in manifest["artifacts"]} + + assert set(artifacts) == expected_paths + for path, expected_hash in artifacts.items(): + assert hashlib.sha256((VERIFIED_RUN / path).read_bytes()).hexdigest() == expected_hash diff --git a/examples/insurance-claims-agent/uv.lock b/examples/insurance-claims-agent/uv.lock index 60ee6c5b..49afe4f9 100644 --- a/examples/insurance-claims-agent/uv.lock +++ b/examples/insurance-claims-agent/uv.lock @@ -91,28 +91,6 @@ wheels = [ { url = "https://files.pythonhosted.org/packages/0b/a7/71ac2cff56fec219ed242bb11b8efb69fcc4bec75db06fb7bfe35de520e6/certifi-2026.7.22-py3-none-any.whl", hash = "sha256:62f22742b58a1a33014a2b6b706588a8d7e2a88ae7bd1a6ebe8c992928483775", size = 136983, upload-time = "2026-07-22T03:35:11.276Z" }, ] -[[package]] -name = "charset-normalizer" -version = "3.4.9" -source = { registry = "https://pypi.org/simple" } -sdist = { url = "https://files.pythonhosted.org/packages/bd/2a/23f34ec9d04624958e137efdc394888716353190e75f25dd22c7a2c7a8aa/charset_normalizer-3.4.9.tar.gz", hash = "sha256:673611bbd43f0810bec0b0f028ddeaaa501190339cac411f347ac76917c3ae7b", size = 152439, upload-time = "2026-07-07T14:34:58.454Z" } -wheels = [ - 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The +other files keep the extracted facts, reranked policy passages, structured +review, and deterministic evaluation. + +The example also includes the two downloaded FEMA PDFs, so the verified run can +be reproduced if a publisher URL changes. diff --git a/examples/insurance-claims-agent/verified-run/claim-facts.json b/examples/insurance-claims-agent/verified-run/claim-facts.json new file mode 100644 index 00000000..e98c27b9 --- /dev/null +++ b/examples/insurance-claims-agent/verified-run/claim-facts.json @@ -0,0 +1,65 @@ +{ + "entities": [ + { + "text": "$935.67", + "label": "excluded debris cost", + "score": 0.80859375, + "start": 2491, + "end": 2498, + "bbox": null + }, + { + "text": "12 to 15 cubic yards", + "label": "debris volume", + "score": 0.97802734375, + "start": 2949, + "end": 2969, + "bbox": null + }, + { + "text": "$182,552.00", + "label": "proof of loss amount", + "score": 0.998046875, + "start": 3065, + "end": 3076, + "bbox": null + }, + { + "text": "$49,500.00", + "label": "debris removal estimate", + "score": 0.9775390625, + "start": 3726, + "end": 3736, + "bbox": null + }, + { + "text": "$181,832.94", + "label": "barge transportation estimate", + "score": 0.9951171875, + "start": 3813, + "end": 3824, + "bbox": null + }, + { + "text": "labor and equipment usage", + "label": "covered debris removal scope", + "score": 0.6630859375, + "start": 7859, + "end": 7884, + "bbox": null + }, + { + "text": "July 2019", + "label": "date of loss", + "score": 0.99658203125, + "start": 9635, + "end": 9644, + "bbox": null + } + ], + "relations": [], + "classifications": [], + "objects": [], + "id": "appeal-facts", + "model": "fastino/gliner2-large-v1" +} diff --git a/examples/insurance-claims-agent/verified-run/evaluation.json b/examples/insurance-claims-agent/verified-run/evaluation.json new file mode 100644 index 00000000..9a0ed680 --- /dev/null +++ b/examples/insurance-claims-agent/verified-run/evaluation.json @@ -0,0 +1,55 @@ +{ + "passed": true, + "checks": [ + { + "name": "scope-review-route", + "passed": true, + "detail": "scope_review_required" + }, + { + "name": "proof-of-loss-amount", + "passed": true, + "detail": "182552.0" + }, + { + "name": "removal-estimate", + "passed": true, + "detail": "49500.0" + }, + { + "name": "barge-estimate", + "passed": true, + "detail": "181832.94" + }, + { + "name": "debris-volume", + "passed": true, + "detail": "12 to 15" + }, + { + "name": "covered-scope", + "passed": true, + "detail": "Labor and equipment usage to remove 12 to 15 cubic yards of flood-borne stones from underneath the insured building to the area around the perimeter of the building." + }, + { + "name": "excluded-scope", + "passed": true, + "detail": "Disposal costs, yard work, carting debris from the perimeter into a barge, barge transportation, handling, and disposal of non-owned debris." + }, + { + "name": "price-support", + "passed": true, + "detail": "Additional evidence that the contractor's estimated dollar amount is limited strictly to the covered scope of work (labor and equipment under the building). The $3,564 per cubic yard quote requires validation against other estimates." + }, + { + "name": "prior-claim-overlap", + "passed": true, + "detail": "Verify documentation in the file for previous claims filed on May 20, 2019, May 29, 2019, and June 11, 2019, to ensure no payment overlap occurred for debris removal from the same area before the July 2019 event." + }, + { + "name": "finding-categories", + "passed": true, + "detail": "covered_removal, excluded_transport, price_support, prior_claim_overlap" + } + ] +} diff --git a/examples/insurance-claims-agent/verified-run/manifest.json b/examples/insurance-claims-agent/verified-run/manifest.json new file mode 100644 index 00000000..4ddafc6d --- /dev/null +++ b/examples/insurance-claims-agent/verified-run/manifest.json @@ -0,0 +1,74 @@ +{ + "run_id": "verified-20260726b", + "run_at": "2026-07-26T19:15:16.513930+00:00", + "public_record": true, + "endpoints": { + "cluster": "http://localhost:8080", + "generation": "http://127.0.0.1:8081" + }, + "models": { + "parse": "docling", + "extract": "fastino/gliner2-large-v1", + "rerank": "BAAI/bge-reranker-v2-m3", + "review": "Qwen/Qwen3.5-4B:no-spec" + }, + "timings_ms": { + "parse_appeal_decision_ms": 45521.1, + "parse_policy_ms": 16451.1, + "extract_claim_facts_ms": 12234.6, + "rerank_policy_ms": 6310.6, + "synthesize_review_ms": 151737.2 + }, + "source_manifest": "source-manifest.json", + "review": "review.json", + "artifacts": [ + { + "path": "claim-facts.json", + "sha256": "17afa9d8ec7c58087c156dcf732648ba9afc2b5d58e70f09b151cb2a81a5a397" + }, + { + "path": "evaluation.json", + "sha256": "1c54c3f1e25ccfa77de7943812b6f4ee91e9df1ebd1361c5e9f68b9dc8de8a17" + }, + { + "path": "markdown/appeal_decision.md", + "sha256": "fc81a335328381f9fff985167a859b58957a8b22e09ff19c16545be23034179d" + }, + { + "path": "markdown/policy.md", + "sha256": "2deb8ba947a79bd3158956e97e3292a842579dbda0601512e8a72bf660082686" + }, + { + "path": "policy-evidence.json", + "sha256": "0380f44cb3e8e07fccb4b0db5b964439ef5f7cc051a9ad45594006fd68f08db7" + }, + { + "path": "raw/appeal_decision-parse.json", + "sha256": "9b2a00510f652b2ee45bb9e0c2adf5c9934fc72e44d62c7b30ff5e2133509069" + }, + { + "path": "raw/claim-facts.json", + "sha256": "17afa9d8ec7c58087c156dcf732648ba9afc2b5d58e70f09b151cb2a81a5a397" + }, + { + "path": "raw/policy-parse.json", + "sha256": "93ad890c597a82146a8200584241e291c25a70c6e9e4b709e14d7bf8a8222b76" + }, + { + "path": "raw/policy-rerank.json", + "sha256": "adb807da7e89c7901004042c8ef5f2342f3133f5f868b097a521fa9bcdc13456" + }, + { + "path": "raw/review-completion.json", + "sha256": "ffa30e9d6e40e411a25591bc289f9cf29902c5a1c63c7f2f56975bd77fe6d620" + }, + { + "path": "review.json", + "sha256": "d26b0fe8aa8ee85c554ff3f2ca7fc48865458b79897b05906bf6b8e7e2be3987" + }, + { + "path": "source-manifest.json", + "sha256": "9d8892b929c8552a0b34a96421bb712ffbe57bb828363d030989438b1b06249e" + } + ] +} diff --git a/examples/insurance-claims-agent/verified-run/markdown/appeal_decision.md b/examples/insurance-claims-agent/verified-run/markdown/appeal_decision.md new file mode 100644 index 00000000..b9593af0 --- /dev/null +++ b/examples/insurance-claims-agent/verified-run/markdown/appeal_decision.md @@ -0,0 +1,85 @@ + + +## FEDERAL EMERGENCY MANAGEMENT AGENCY (FEMA) FEDERAL INSURANCE MITIGATION ADMINISTRATION (FIMA) APPEAL DECISION + +FEMA Flood Insurance Appeal Decision #B8 + +## SUMMARY + +The policyholder appealed the flood insurance carrier's (hereinafter 'insurer') denial of a part of their claim under the Standard Flood Insurance Policy (SFIP) 1 for damages to his property arising in July 2019. + +The policyholder files this appeal under 44 C.F.R. § 62.20. The appeals process is available after the insurer issues a written denial, in whole or in part, of the policyholder's claim. 2 + +After reviewing the issues, evidence, and relevant authorities, FEMA affirms the insurer's decision. + +## BACKGROUND + +## COVERAGE + +The policyholder insures property under the SFIP Dwelling Form. At the time of loss, the policyholder had $250,000 of building coverage with a $2,000 deductible. + +## EVENT AND CLAIM FACTS + +In July 2019, an accumulation of heavy rainfall from a severe thunderstorm created overflow from Lake Ontario. The rainfall inundated the insured building and neighboring properties creating a general and temporary condition of flood. + +The policyholder reported the loss to the insurer and the insurer assigned an adjuster to the claim. The adjuster inspected the property in July 2019. The insured building is located on a small island and is accessible only by boat. The adjuster measured a waterline of 24 inches on the exterior of the building. Because the building is elevated, floodwaters were not high enough to reach the building's first floor. Floodwaters were limited to the crawlspace area underneath the building. + +1 See 44 C.F.R. § 61.13 (2018); Dwelling Form available at 44 C.F.R. pt. 61 App. A(1) [hereinafter 'SFIP']. + +2 The policyholder's appeal and related documents concerning the appeal, claim, or policy are on file with FEMA, Federal Insurance and Mitigation Administration, Federal Insurance Directorate, Policyholder Services Division, Appeals Branch [hereinafter 'Appeal File']. + +The building is located in a special flood hazard area (flood zone AE) and was constructed in 1989, after the date the local community entered the federal flood program in 1981. The first floor is elevated by piers. As such, the claim is subject to SFIP coverage limitations for post-FIRM (Flood Insurance Rate Map) elevated buildings. 3 The adjuster took the SFIP's coverage limitations for post-FIRM elevated buildings into account and estimated the cost for flood cleanup at $935.67. + +Because of questions on the claim, the insurer retained an engineer to verify the condition of loss and the amount of flood-borne debris, sand, and stones deposited underneath the building. The same engineer inspected the building in 2018 after a previous flood event. The engineer determined that since the 2018 inspection, only a minor amount of flood-borne debris was deposited under the building. The engineer estimated this amount ranged from 12 to 15 cubic yards of stones and no sand. + +The insurer reviewed the policyholder's amended proof of loss totaling $182,552.00 and denied the policyholder's additional payment request. In a letter dated December 2019, the insurer denied coverage for flood-borne debris removal stating the stones that washed up under the insured building were not covered under the SFIP. + +The policyholder appeals the insurer's denial, stating the SFIP covers debris removal, including the removal of stones. The policyholder requests coverage for the cost to remove 12 to 15 cubic yards of stones as recommended by the insurer's engineer. In support of the appeal, the policyholder provides an estimate from a local service provider to remove the stones from underneath the building totaling $49,500.00 and a second estimate for transporting the removed stones by barge totaling $181,832.94. + +## ISSUE + +The policyholder appeals the insurer's denial of flood-borne debris removal and requests payment to remove stones that were washed in underneath their insured building during the subject flood event. + +## RULES + +The insurer agrees to pay the policyholder for direct physical loss by or from flood to covered property, provided the policyholder complies with all terms and conditions of the SFIP. 4 + +The SFIP covers the expense to remove non-owned flood debris that is on or in insured property. 5 + +In case of a loss or request for payment, the SFIP requires the policyholder to submit directly to the insurer, a signed and sworn proof of loss with the documentation that supports their flood loss and the dollar amount requested. This proof of loss documentation packet should also include details of any other insurance that may cover the loss and other documents such as detailed repair estimates for the current loss, repair estimates and proof of repairs and price from previous flood losses and claim payments. 6 + +3 See SFIP (II)(B)(14), (II)(B)(23), (II)(B)(26), and (III)(A)(8). + +4 See SFIP (I), (II)(B)(12). + +5 See SFIP (III)(C)(1)(a). + +6 See SFIP (VII)(J), (VII)(K). + +## ANALYSIS + +The policyholder appeals the denial of coverage for the cost to remove flood-borne stones deposited underneath the insured building. + +FEMA's review agrees with the policyholder that the SFIP covers the cost to remove flood-borne debris and cleanup of non-owned debris that is on or in the insured property. This scope of coverage may encompass the cost to remove flood-borne debris such as stones, sand, and plant-life that have washed up underneath the insured building's perimeter footprint. The SFIP excludes any additional cost related to a local community ordinance or code compliance order for the removal of any debris. 7 + +The SFIP's scope of coverage for non-owned debris is limited to removal from the insured building. The covered scope of non-owned flood-borne debris is limited to the removal of flood-borne debris underneath the insured building to the area around the perimeter of the building. The SFIP does not cover the expense to dispose non-owned debris because it is not insured property. + +The scope of coverage under the claim for non-owned debris is limited to the labor and equipment usage to remove the 12 to 15 cubic yards of stones. The labor cost should account for any exceptional condition present with working underneath the building within the crawlspace. The SFIP does not cover any increased cost to remove non-owned debris in the yard or to cart debris from the perimeter of the building into a barge, nor the expense for barge transportation, handling, and disposal. + +The policyholder's claim of July 2019, follows three flood claims filed on May 20, 2019, May 29, 2019, and June 11, 2019. The policyholder also reported losses subsequent to the subject flood event that occurred later in July 2019 and October 2019. In order to receive payment on the current and subsequent flood losses, the SFIP requires the policyholder to submit directly to the insurer, a signed and sworn proof of loss with the documentation that proves his loss and supports the dollar amount requested. This proof of loss documentation packet should include all related estimates to remove debris from underneath the insured building, plus estimates to remove debris from the yard. The packet should include proof of repairs and debris removal from the three previous flood claims filed 2019. + +Because of the large dollar amount presented by the policyholder's contractor, FEMA recommends the policyholder provide additional evidence the estimated dollar amount from its contractor is limited to the covered scope of work. The SFIP does not cover the cost to remove non-owned flood-borne debris from the yard and it does not cover the expense to ship non-owned flood-borne debris by barge for further handling and disposal. The SFIP covers pricing that is reasonable and customary to the loss and location. 8 This includes labor and equipment usage for removing of 12 to 15 cubic yards of stone material. + +The SFIP will cover reasonable additional labor costs customary for site conditions with working underneath the insured building. To ensure the validity of the contractor's quoted price of $3,564 per cubic yard with sales tax, the policyholder should provide the insurer with other debris removal estimates from one or more different contractors. + +7 See SFIP (V)(A)(6). + +8 See National Flood Insurance Program Claims Manual- Section 2.5.2 Building Scope and Estimate. + +Based on previous claims, the policyholder has received payment(s) for similar losses as the subject flood claim. The policyholder should provide proof of repairs and price from the previous losses related to removing stones and debris from underneath the building, as well as the cost paid to remove the same from the yard, even though flood-borne debris removal in the yard is not covered under the SFIP. Because of the price per cubic yard quoted, the policyholder's proof of loss documentation packet should include evidence that the payment request is similarly priced to similar debris removal tasks paid for after the prior flood events. + +## CONCLUSION + +Based on the facts and analysis above, FEMA directs the insurer to cover and pay the cost to remove nonowned flood-borne debris from underneath the insured building to the perimeter of the building in the yard. In order to ensure against a payment overlap, the insurer should review the documentation in its file for the policyholder's previous claims with debris removal. Before issuing any additional payment for the subject July 2019 flood event, the insurer should verify that debris removal for the same area underneath the building was performed before the July 2019 flood event. + +If the policyholder does not agree with the insurer's payment recommendation, he must prove his loss and send the insurer a signed and sworn proof of loss with the documentation that proves his loss and supports the dollar amount requested. This proof of loss packet should also include the documentation explained above. Any further adjustment of the claim remains under the direction of the insurer, based on the merits of their finding in accordance with all SFIP terms and conditions. diff --git a/examples/insurance-claims-agent/verified-run/markdown/policy.md b/examples/insurance-claims-agent/verified-run/markdown/policy.md new file mode 100644 index 00000000..bea52f7f --- /dev/null +++ b/examples/insurance-claims-agent/verified-run/markdown/policy.md @@ -0,0 +1,769 @@ +National Flood Insurance Program + +## Dwelling Form + +Standard Flood Insurance Policy + +F-122 / October 2021 + + + +Standard Flood Insurance Policy + +## Dwelling Form + +Please read the policy carefully. The flood insurance provided is subject to limitations, restrictions, and exclusions. + +## I. AGREEMENT + +- A. This policy insures the following types of property only: +1. A one to four family residential building, not under a condominium form of ownership; +- E. This policy insures only one building. If you own more than one building, coverage will apply to the single building specifically described in the Flood Insurance Application. +2. A single-family dwelling unit in a condominium building; and +3. Personal property in a building. +- B. The Federal Emergency Management Agency (FEMA) provides flood insurance under the terms of the National Flood Insurance Act of 1968 and its amendments, and Title 44 of the Code of Federal Regulations. +- C. We will pay you for direct physical loss by or from flood to your insured property if you: +1. Have paid the full amount due (including applicable premiums, surcharges, and fees); +2. Comply with all terms and conditions of this policy; and +3. Have furnished accurate information and statements. +- D. We have the right to review the information you give us at any time and revise your policy based on our review. +- F. Subject to the exception in I.G below, multiple policies with building coverage cannot be issued to insure a single building to one insured or to different insureds, even if separate policies were issued through different NFIP insurers. Payment for damages may only be made under a single policy for building damages under Coverage ABuilding Property. +- G. A Dwelling Form policy with building coverage may be issued to a unit owner in a condominium building that is also insured under a Residential Condominium + +Building Association Policy (RCBAP). However, no more than $250,000 may be paid in combined benefits for a single unit under the Dwelling Form policy and the RCBAP. We will only pay for damage once. Items of damage paid for under an RCBAP cannot also be claimed under the Dwelling Form policy. + +## II. DEFINITIONS + +A. In this policy, 'you' and 'your' refer to the named insured(s) shown on the Declarations Page of this policy and the spouse of the named insured, if a resident of the same household. Insured(s) also includes: Any mortgagee and loss payee named in the Application and Declarations Page, as well as any other mortgagee or loss payee determined to exist at the time of loss, in the order of precedence. 'We,' 'us,' and 'our' refer to the insurer. + +Some definitions are complex because they are provided as they appear in the law or regulations, or result from court cases. + +- B. Flood , as used in this flood insurance policy, means: +1. A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (one of which is your property) from: +- a. Overflow of inland or tidal waters; +- b. Unusual and rapid accumulation or runoff of surface waters from any source; +- c. Mudflow. +2. Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion + +or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined in B.1.a above. + +C. The following are the other key definitions we use in this policy: + +1. Act. The National Flood Insurance Act of 1968 and any amendments to it. +2. Actual Cash Value. The cost to replace an insured item of property at the time of loss, less the value of its physical depreciation. +3. Application. The statement made and signed by you or your agent in applying for this policy. The application gives information we use to determine the eligibility of the risk, the kind of policy to be issued, and the correct premium payment. The application is part of this flood insurance policy. +4. Base Flood. A flood having a one percent chance of being equaled or exceeded in any given year. +5. Basement. Any area of a building, including any sunken room or sunken portion of a room, having its floor below ground level on all sides. +6. Building +- a. A structure with two or more outside rigid walls and a fully secured roof that is affixed to a permanent site; +- b. A manufactured home, also known as a mobile home, is a structure: built on a permanent chassis, transported to its site in one or more sections, and affixed to a permanent foundation; or +- c. A travel trailer without wheels, built on a chassis and affixed to a permanent foundation, that is regulated under the community's floodplain management and building ordinances or laws. + +Building does not mean a gas or liquid storage tank, shipping container, or a recreational vehicle, park trailer, or other similar vehicle, except as described in C.6.c above. + +7. Cancellation. The ending of the insurance coverage provided by this policy before the expiration date. +8. Condominium. That form of ownership of one or more buildings in which each unit owner has an undivided interest in common elements. +9. Condominium Association. The entity made up of the unit owners responsible for the maintenance and operation of: +- a. Common elements owned in undivided shares by unit owners; and +- b. Other buildings in which the unit owners have use rights; where membership in the entity is a required condition of ownership. +10. Condominium Building. A type of building for which the form of ownership is one in which each unit owner has an undivided interest in common elements of the building. +11. Declarations Page. A computer-generated summary of information you provided in your application for insurance. The Declarations Page also describes the term of the policy, limits of coverage, and displays the premium and our name. The Declarations Page is a part of this flood insurance policy. +12. Deductible. The amount of an insured loss that is your responsibility and that is incurred by you before any amounts are paid for the insured loss under this policy. +13. Described Location. The location where the insured building(s) or personal property are found. The described location is shown on the Declarations Page. +14. D irect Physical Loss By or From Flood. Loss or damage to insured property, directly caused by a flood. There must be evidence of physical changes to the property. +15. Dwelling. A building designed for use as a residence for no more than four families or a single-family unit in a condominium building. +16. Elevated Building. A building that has no basement and that has its lowest elevated floor raised above ground level by foundation walls, shear walls, posts, piers, pilings, or columns. +17. Emergency Program. The initial phase of a community's participation in the National Flood Insurance Program. During this phase, only limited amounts of insurance are available under the Act and the regulations prescribed pursuant to the Act. +18. Federal Policy Fee. A flat rate charge you must pay on each new or renewal policy to defray certain administrative expenses incurred in carrying out the National Flood Insurance Program. +19. Improvements. Fixtures, alterations, installations, or additions comprising a part of the dwelling or apartment in which you reside. +20. Mudflow. A river of liquid and flowing mud on the surface of normally dry land areas, as when earth is carried by a current of water. Other earth movements, such as landslide, slope failure, or + +a saturated soil mass moving by liquidity down a slope, are not mudflows. + +21. National Flood Insurance Program (NFIP). The program of flood insurance coverage and floodplain management administered under the Act and applicable Federal regulations in Title 44 of the Code of Federal Regulations, Subchapter B. +22. Policy. The entire written contract between you and us. It includes: +- a. This printed form; +- b. The application and Declarations Page; +- c. Any endorsement(s) that may be issued; and +- d. Any renewal certificate indicating that coverage has been instituted for a new policy and new policy term. Only one dwelling, which you specifically described in the application, may be insured under this policy. +23. Pollutants. Substances that include, but are not limited to, any solid, liquid, gaseous, or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste. 'Waste' includes, but is not limited to, materials to be recycled, reconditioned, or reclaimed. +24. Post-FIRM Building. A building for which construction or substantial improvement occurred after December 31, 1974, or on or after the effective date of an initial Flood Insurance Rate Map (FIRM), whichever is later. +- a. The 365 days immediately preceding the time of loss; or +- b. The period of ownership of you or your spouse, if either you or your spouse owned the dwelling for less than 365 days immediately preceding the time of loss. +26. Probation Surcharge. A flat charge you must pay on each new or renewal policy issued covering property in a community the NFIP has placed on probation under the provisions of 44 CFR 59.24. +27. Regular Program. The final phase of a community's participation in the National Flood Insurance Program. In this phase, a Flood Insurance Rate Map is in effect and full limits of coverage are available under the Act and the regulations prescribed pursuant to the Act. +28. Special Flood Hazard Area (SFHA). An area having special flood or mudflow, and/or flood-related erosion hazards, and shown on a Flood Hazard Boundary Map or Flood Insurance Rate Map as Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/ AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, VE, or V. +29. Unit. A single-family residential space you own in a condominium building. +30. Valued Policy. A policy in which the insured and the insurer agree on the value of the property insured, that value being payable in the event of a total loss. The Standard Flood Insurance Policy is not a valued policy. +25. Principal Residence. The dwelling in which you or your spouse have lived for at least 80 percent of: + +## III. PROPERTY INSURED + +are always considered part of the dwelling and cannot be separately insured. + +- A detached garage at the described location. Coverage is limited to no more than 10 percent of the limit of liability on the dwelling. Use of this insurance is at your option but reduces the building limit of liability. We do not cover any detached garage used or held for use for residential (i.e., dwelling), business, or farming purposes. + +## A. Coverage A-Building Property + +We insure against direct physical loss by or from flood to: + +1. The dwelling at the described location, or for a period of 45 days at another location as set forth in III.C.2.b, Property Removed to Safety. +2. Additions and extensions attached to and in contact with the dwelling by means of a rigid exterior wall, a solid load-bearing interior wall, a stairway, an elevated walkway, or a roof. At your option, additions and extensions connected by any of these methods may be separately insured. Additions and extensions attached to and in contact with the building by means of a common interior wall that is not a solid load-bearing wall +3. 3. + +4. Materials and supplies to be used for construction, alteration, or repair of the dwelling or a detached garage while the materials and supplies are stored in a fully enclosed building at the described location or on an adjacent property. +5. A building under construction, alteration, or repair at the described location. +- a. If the structure is not yet walled or roofed as described in the definition for building (see II.C.6.a) then coverage applies: +- (1) Only while such work is in progress; or +- (2) If such work is halted, only for a period of up to 90 continuous days thereafter. +- b. However, coverage does not apply until the building is walled and roofed if the lowest floor, including the basement floor, of a non-elevated building or the lowest elevated floor of an elevated building is: +- (1) Below the base flood elevation in Zones AH, AE, A1-A30, AR, AR/AE, AR/ AH, AR/A1-A30, AR/A, AR/AO; or +- (2) Below the base flood elevation adjusted to include the effect of wave action in Zones VE or V1-V30. + +The lowest floor level is based on the bottom of the lowest horizontal structural member of the floor in Zones VE or V1-V30 or the top of the floor in Zones AH, AE, A1-A30, AR, AR/AE, AR/AH, AR/ A1-A30, AR/A, and AR/AO. + +6. A manufactured home or a travel trailer, as described in the II.C.6. If the manufactured home or travel trailer is in a special flood hazard area, it must be anchored in the following manner at the time of the loss: +- a. By over-the-top or frame ties to ground anchors; or +- b. In accordance with the manufacturer's specifications; or +- c. In compliance with the community's floodplain management requirements unless it has been continuously insured by the NFIP at the same described location since September 30, 1982. +7. The following items of property which are insured under Coverage A only: +- a. Awnings and canopies; +- b. Blinds; +- c. Built-in dishwashers; +- d. Built-in microwave ovens; +- e. Carpet permanently installed over unfinished flooring; +- f. Central air conditioners; +- g. Elevator equipment; +- h. Fire sprinkler systems; +- i. Walk-in freezers; +- j. Furnaces and radiators; +- k. Garbage disposal units; +- l. Hot water heaters, including solar water heaters; +- m. Light fixtures; +- n. Outdoor antennas and aerials fastened to buildings; +- o. Permanently installed cupboards, bookcases, cabinets, paneling, and wallpaper; +- p. Plumbing fixtures; +- q. Pumps and machinery for operating pumps; +- r. Ranges, cooking stoves, and ovens; +- s. Refrigerators; and +- t. Wall mirrors, permanently installed. +8. Items of property below the lowest elevated floor of an elevated postFIRM building located in Zones + +## A1-A30, AE, AH, AR, AR/A, AR/ AE, AR/AH, AR/A1-A30, V1-V30, or VE, or in a basement regardless of the zone. Coverage is limited to the following: + +- a. Any of the following items, if installed in their functioning locations and, if necessary for operation, connected to a power source: +- (1) Central air conditioners; +- (2) Cisterns and the water in them; +- (3) Drywall for walls and ceilings in a basement and the cost of labor to nail it, unfinished and unfloated and not taped, to the framing; +- (4) Electrical junction and circuit breaker boxes; +- (5) Electrical outlets and switches; +- (6) Elevators, dumbwaiters and related equipment, except for related equipment installed below the base flood elevation after September 30, 1987; +- (7) Fuel tanks and the fuel in them; +- (8) Furnaces and hot water heaters; +- (9) Heat pumps; +- (10) Nonflammable insulation in a basement; +- (11) Pumps and tanks used in solar energy systems; +- (12) Stairways and staircases attached to the building, not separated from it by elevated walkways; +- (13) Sump pumps; +- (14) Water softeners and the chemicals in them, water filters, and faucets installed as an integral part of the plumbing system; +- (15) Well water tanks and pumps; +- (16) Required utility connections for any item in this list; and +- (17) Footings, foundations, posts, pilings, piers, or other foundation walls and anchorage systems required to support a building. +- b. Clean-up. + +## B. Coverage B-Personal Property + +1. If you have purchased personal property coverage, we insure against direct physical loss by or from flood to personal property inside a building at the described location, if: +- a. The property is owned by you or your household family members; and +- b. At your option, the property is owned by guests or servants. +2. Personal property is also insured for a period of 45 days at another location as set forth in III.C.2.b, Property Removed to Safety. +3. Personal property in a building that is not fully enclosed must be secured to prevent flotation out of the building. If the personal property does float out during a flood, it will be conclusively presumed that it was not reasonably secured. In that case, there is no coverage for such property. +4. Coverage for personal property includes the following property, subject to B.1 above, which is insured under Coverage B only: +- a. Air conditioning units, portable or window type; +- b. Carpets, not permanently installed, over unfinished flooring; +- c. Carpets over finished flooring; +- d. Clothes washers and dryers; +- e. 'Cook-out' grills; +- f. Food freezers, other than walk-in, and food in any freezer; and +- g. Portable microwave ovens and portable dishwashers. + +## 5. Coverage for items of property below the lowest elevated floor of an elevated post-FIRM building located in Zones A1-A30, AE, AH, AR, AR/A, AR/AE, AR/AH, AR/ A1-A30, V1-V30, or VE, or in a basement regardless of the zone, is limited to the following items, if installed in their functioning locations and, if necessary for oper ation, connected to a power source: + +- a. Air conditioning units, portable or window type; +- b. Clothes washers and dryers; and +- c. Food freezers, other than walk-in, and food in any freezer. +6. If you are a tenant and have insured personal property under Coverage B in this policy, we will cover such property, including your cooking stove or range and refrigerator. The policy will also cover improvements made or acquired solely at your expense in the dwelling or apartment in which you reside, but for not more than 10 percent of the limit of liability shown for personal property on the Declarations Page. Use of this insurance is at your option but reduces the personal property limit of liability. +7. If you are the owner of a unit and have insured personal property under Coverage B in this policy, we will also cover your interior walls, floor, and ceiling (not otherwise insured under a flood insurance policy purchased by your condominium association) for not more than 10 percent of the limit of liability shown for personal property on the Declarations Page. Use of this insurance is at your option but reduces the personal property limit of liability. +8. Special Limits. We will pay no more than $2,500 for any one loss to one or more of the following kinds of personal property: +- a. Artwork, photographs, collectibles, or memorabilia, including but not limited to, porcelain or other figures, and sports cards; +- b. Rare books or autographed items; +- c. Jewelry, watches, precious and semi-precious stones, or articles of gold, silver, or platinum; +- d. Furs or any article containing fur that represents its principal value; or +- e. Personal property used in any business. + +## 9. We will pay only for the functional value of antiques. + +## C. Coverage C-Other Coverages + +1. Debris Removal +- a. We will pay the expense to remove non-owned debris that is on or in insured property and debris of insured property anywhere. +- b. If you or a member of your household perform the removal work, the value of your work will be based on the Federal minimum wage. +- c. This coverage does not increase the Coverage A or Coverage B limit of liability. +2. Loss Avoidance Measures +- a. Sandbags, Supplies, and Labor +- (1) We will pay up to $1,000 for costs you incur to protect the insured building from a flood or imminent danger of flood, for the following: +8. (a) Your reasonable expenses to buy: +9. (i) Sandbags, including sand to fill them; +10. (ii) Fill for temporary levees; +11. (iii) Pumps; and +12. (iv) Plastic sheeting and lumber used in connection with these items. +13. (b) The value of work, at the Federal minimum wage, that you or a member of your house-hold perform. +- (2) This coverage for Sandbags, Supplies, and Labor only applies if damage to insured property by or from flood is imminent and the threat of flood damage is apparent enough to lead a person of common prudence to anticipate flood damage. One of the following must also occur: +15. (a) A general and temporary condition of flooding in the area near the described + +location must occur, even if the flood does not reach the building; or + +- (b) A legally authorized official must issue an evacuation order or other civil order for the community in which the building is located calling for measures to preserve life and property from the peril of flood. + +This coverage does not increase the Coverage A or Coverage B limit of liability. + +- b. Property Removed to Safety +- (1) We will pay up to $1,000 for the reasonable expenses you incur to move insured property to a place other than the described location that contains the property in order to protect it from flood or the imminent danger of flood. Reasonable expenses include the value of work, at the Federal minimum wage, you or a member of your household perform. +- (2) If you move insured property to a location other than the described location that contains the property in order to protect it from flood or the imminent danger of flood, we will cover such property while at that location for a period of 45 consecutive days from the date you begin to move it there. The personal property that is moved must be placed in a fully enclosed building or otherwise reasonably protected from the elements. +- (3) Any property removed, including a moveable home described in II.6.b and c, must be placed above ground level or outside of the special flood hazard area. +- (4) This coverage does not increase the Coverage A or Coverage B limit of liability. +3. Condominium Loss Assessments +- a. Subject to III.C.3.b below, if this policy insures a condominium unit, we will pay, up to the Coverage A limit of liability, your share of loss assessments charged against you by the condominium association in accordance with the condominium association's articles of association, declarations and your deed. The assessment must be made because of direct physical loss by or from flood during the policy term, to the unit or to the common elements of the NFIP insured condominium building in which this unit is located. +- b. We will not pay any loss assessment: +- (1) Charged against you and the condominium association by any governmental body; +- (2) That results from a deductible under the insurance purchased by the condominium association insuring common elements; +- (3) That results from a loss to personal property, including contents of a condomin ium building; + +## (4) In which the total payment combined under all policies exceeds the maximum amount of coverage available under the Act for a single unit in a condominium building where the unit is insured under both a Dwelling Policy and a RCBAP; or + +- (5) On any item of damage that has already been paid under a RCBAP where a single unit in a condominium building is insured by both a Dwelling Policy and a RCBAP. +- c. Condominium Loss Assessment coverage does not increase the Coverage A Limit of Liability and is subject to the maximum coverage limits available for a single-family dwelling under the Act, payable between all + +policies issued and covering the unit, under the Act. + +## D. Coverage D-Increased Cost of Compliance + +## 1. General + +This policy pays you to comply with a State or local floodplain management law or ordinance affecting repair or reconstruction of a building suffering flood damage. Compliance activities eligible for payment are: elevation, floodproofing, relocation, or demolition (or any combination of these activities) of your building. Eligible floodproofing activities are limited to: + +- a. Non-residential buildings. +- b. Residential buildings with basements that satisfy FEMA's standards published in the Code of Federal Regulations [44 CFR 60.6(b) or (c)]. + +## 2. Limit of Liability + +We will pay you up to $30,000 under this Coverage D-Increased Cost of Compliance, which only applies to policies with building coverage (Coverage A). Our payment of claims under Coverage D is in addition to the amount of coverage which you selected on the application and which appears on the Declarations Page. But the maximum you can collect under this policy for both Coverage A-Building Property and Coverage D-Increased Cost of Compliance cannot exceed the maximum permitted under the Act. We do not charge a separate deductible for a claim under Coverage D. + +## 3. Eligibility + +- a. A building insured under Coverage ABuilding Property sustaining a loss caused by a flood as defined by this policy must: +- (1) Be a 'repetitive loss building.' A repetitive loss building is one that meets the following conditions: +3. (a) The building is insured by a contract of flood insurance issued under the NFIP. +4. (b) The building has suffered flood damage on two occasions during a 10-year period which ends on the date of the second loss. +5. (c) The cost to repair the flood damage, on average, equaled or exceeded 25 percent of the market value of the building at the time of each flood loss. +6. (d) In addition to the current claim, the NFIP must have paid the previous qualifying claim, and the State or community must have a cumulative, substantial damage provision or repetitive loss provision in its floodplain management law or ordinance being enforced against the building; or +- (2) Be a building that has had flood damage in which the cost to repair equals or exceeds 50 percent of the market value of the building at the time of the flood. The State or community must have a substantial damage provision in its floodplain management law or ordinance being enforced against the building. +- b. This Coverage D pays you to comply with State or local floodplain management laws or ordinances that meet the minimum standards of the National Flood Insurance Program found in the Code of Federal Regulations at 44 CFR 60.3. We pay for compliance activities that exceed those standards under these conditions: +- (1) 3.a.1 above. +- (2) Elevation or floodproofing in any risk zone to preliminary or advisory base flood elevations provided by FEMA which the State or local government has adopted and is enforcing for flooddamaged buildings in such areas. (This includes compliance activities in B, C, X, or D zones which are being changed to zones with base flood elevations. This also includes compliance activities in zones where base flood elevations are being increased, and a flood-damaged building must comply with the higher advisory base flood elevation.) Increased Cost of Compliance coverage does not apply to situations in B, C, X, or D zones where the community has derived its own elevations and is enforcing elevation or floodproofing requirements for flooddamaged buildings to elevations derived solely by the community. +- (3) Elevation or floodproofing above the base flood elevation to meet State or local 'free-board' requirements, i.e., that a building must be elevated above the base flood elevation. + +- c. Under the minimum NFIP criteria at 44 CFR 60.3(b)(4), States and communities must require the elevation or floodproofing of buildings in unnumbered A zones to the base flood elevation where elevation data is obtained from a Federal, State, or other source. Such compliance activities are eligible for Coverage D. +- d. Coverage D will pay for the incremental cost, after demolition or relocation, of elevating or floodproofing a building during its rebuilding at the same or another site to meet State or local floodplain management laws or ordinances, subject to Coverage D Exclusion 5.g below. +- e. Coverage D will pay to bring a flood-damaged building into compliance with State or local floodplain management laws or ordinances even if the building had received a variance before the present loss from the applicable floodplain management requirements. + +## 4. Conditions + +- a. When a building insured under Coverage A-Building Property sustains a loss caused by a flood, our payment for the loss under this Coverage D will be for the increased cost to elevate, floodproof, relocate, or demolish (or any combination of these activities) caused by the enforcement of current State or local floodplain management ordinances or laws. Our payment for eligible demolition activities will be for the cost to demolish and clear the site of the building debris or a portion thereof caused by the enforcement of current State or local floodplain management + +ordinances or laws. Eligible activities for the cost of clearing the site will include those necessary to discontinue utility service to the site and ensure proper abandonment of on-site utilities. + +- b. When the building is repaired or rebuilt, it must be intended for the same occupancy as the present building unless otherwise required by current floodplain management ordinances or laws. + +## 5. Exclusions + +Under this Coverage D (Increased Cost of Compliance), we will not pay for: + +- a. The cost to comply with any flood plain management law or ordinance in communities participating in the Emergency Program. +- b. The cost associated with enforcement of any ordinance or law that requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of pollutants. +- c. The loss in value to any insured building due to the + +- requirements of any ordinance or law. +- d. The loss in residual value of the undamaged portion of a building demolished as a consequence of enforcement of any State or local flood plain management law or ordinance. +- e. Any Increased Cost of Compliance under this Coverage D: +- (1) Until the building is elevated, floodproofed, demolished, or relocated on the same or to another premises; and +- (2) Unless the building is elevated, floodproofed, demolished, or relocated as soon as reasonably possible after the loss, not to exceed two years. +- f. Any code upgrade requirements, e.g., plumbing or electrical wiring, not specifically related to the State or local floodplain management law or ordinance. +- g. Any compliance activities needed to bring additions or improvements made after the loss occurred into compliance with State or local flood plain management laws or ordinances. +- h. Loss due to any ordinance or law that you were required to comply with before the current loss. +- i. Any rebuilding activity to standards that do not meet the NFIP's minimum requirements. This includes any situation where the insured has received from the State or community a variance in connection with the current flood loss to rebuild the property to an elevation below the base flood elevation. +- j. Increased Cost of Compliance for a garage or carport. +- k. Any building insured under an NFIP Group Flood Insurance Policy. +- l. Assessments made by a condo minium association on individual condominium unit owners to pay increased costs of repairing commonly owned buildings after a flood in compliance with State or local floodplain management ordinances or laws. +6. Other Provisions +- a. Increased Cost of Compliance coverage will not be included in the calculation to determine whether coverage meets the 80 percent insurance-to-value requirement for replacement cost coverage as set forth in Art. VII.R ('Loss Settlement') of this policy. +- b. All other conditions and provisions of this policy apply. + +## We do not insure any of the following: + +1. Personal property not inside a building. +2. A building, and personal property in it, located entirely in, on, or over water or seaward of mean high tide if it was constructed or substantially improved after September 30, 1982. +3. Open structures, including a building used as a boathouse or any structure or building into which boats are floated, and personal property located in, on, or over water. +4. Recreational vehicles other than travel trailers described in the Definitions section (see II.C.6.c) whether affixed to a permanent foundation or on wheels. +5. Self-propelled vehicles or machines, including their parts and equipment. However, we do cover self-propelled vehicles or machines not licensed for use on public roads that are: +- a. Used mainly to service the described location; or +- b. Designed and used to assist handicapped persons, while the vehicles or machines +8. are inside a building at the described location. +6. Land, land values, lawns, trees, shrubs, plants, growing crops, or animals. +7. Accounts, bills, coins, currency, deeds, evidences of debt, medals, money, scrip, stored value cards, postage stamps, securities, bullion, manuscripts, or other valuable papers. +8. Underground structures and equip ment, including wells, septic tanks, and septic systems. +9. Those portions of walks, walkways, decks, driveways, patios and other surfaces, all whether protected by a roof or not, located outside the perimeter, exterior walls of the insured building or the building in which the insured unit is located. +10. Containers, including related equipment, such as, but not limited to, tanks containing gases or liquids. +11. Buildings or units and all their contents if more than 49 percent of the actual cash value of the building is below ground, unless the lowest level is at or above the base flood elevation and is below + +- ground by reason of earth having been used as insulation material in conjunction with energy efficient building techniques. +12. Fences, retaining walls, seawalls, bulkheads, wharves, piers, bridges, and docks. +13. Aircraft or watercraft, or their furnishings and equipment. + +filters, pumps, and pipes, wherever located. + +15. Property not eligible for flood insurance pursuant to the provisions of the Coastal Barrier Resources Act and the Coastal Barrier Improvement Act and amendments to these acts. +14. Hot tubs and spas that are not bathroom fixtures, and swimming pools, and their equipment, such as, but not limited to, heaters, +16. Personal property you own in common with other unit owners comprising the membership of a condominium association. + +## V. EXCLUSIONS + +A. We only pay for direct physical loss by or from flood, which means that we do not pay you for: + +1. Loss of revenue or profits; +2. Loss of access to the insured property or described location; +3. Loss of use of the insured property or described location; +4. Loss from interruption of business or production; +5. Any additional living expenses incurred while the insured building is being repaired or is unable to be occupied for any reason; +6. The cost of complying with any ordinance or law requiring or + +regulating the construction, demolition, remodeling, renovation, or repair of property, including removal of any resulting debris. This exclusion does not apply to any eligible activities we describe in Coverage D-Increased Cost of Compliance; or + +7. Any other economic loss you suffer. + +B. Flood in Progress. If this policy became effective as of the time of a loan closing, as provided by 44 CFR 61.11(b), we will not pay for a loss caused by a flood that is a continuation of a flood that existed prior to coverage becoming effective. + +In all other circumstances, we will not pay for a loss caused by a flood that is a continuation of a flood that existed on or before the day you submitted the application for coverage under this policy and the full amount due. We will determine the date of application using 44 CFR 61.11(f). + +C. We do not insure for loss to property caused directly by earth movement even if the earth movement is caused by flood. Some examples of earth movement that we do not cover are: + +1. Earthquake; +2. Landslide; +3. Land subsidence; +4. Sinkholes; +5. Destabilization or movement of land that results from accumulation of water in subsurface land area; or +6. Gradual erosion. + +We do, however, pay for losses from mudflow and land subsidence as a result of erosion that are specifically insured under our definition of flood (see II.B.1.c and II.B.2). + +D. We do not insure for direct physical loss caused directly or indirectly by any of the following: + +1. The pressure or weight of ice; +2. Freezing or thawing; +3. Rain, snow, sleet, hail, or water spray; +4. Water, moisture, mildew, or mold damage that results primarily from any condition: +- a. Substantially confined to the dwelling; or +- b. That is within your control, including but not limited to: +- (1) Design, structural, or mechanical defects; +- (2) Failure, stoppage, or breakage of water or sewer lines, drains, pumps, fixtures, or equipment; or +- (3) Failure to inspect and maintain the property after a flood recedes; +5. Water or water-borne material that: +- a. Backs up through sewers or drains; +- b. Discharges or overflows from a sump, sump pump, or related equipment; or +- c. Seeps or leaks on or through the insured property; + +unless there is a flood in the area and the flood is the proximate cause of the sewer or drain backup, sump pump discharge or overflow, or the seepage of water; + +6. The pressure or weight of water unless there is a flood in the area and the flood is the proximate cause of the damage from the pressure or weight of water; +7. Power, heating, or cooling failure unless the failure results from direct physical loss by or from flood to power, heating, or cooling equipment on the described location; +8. Theft, fire, explosion, wind, or windstorm; +9. Anything you or any member of your household do or conspire + +to do to deliberately cause loss by flood; or + +10. Alteration of the insured property that significantly increases the risk of flooding. + +E. We do not insure for loss to any building or personal property located on land leased from the Federal Government, arising from or incident to the flooding of the land by the Federal Government, where the lease expressly holds the Federal Government harmless under flood insurance issued under any Federal Government program. + +F. We do not pay for the testing for or monitoring of pollutants unless required by law or ordinance. + +## VI. DEDUCTIBLES + +A. When a loss is insured under this policy, we will pay only that part of the loss that exceeds your deductible amount, subject to the limit of liability that applies. The deductible amount is shown on the Declarations Page. + +B. In each loss from flood, separate deductibles apply to the building and personal property insured by this policy. + +- C. The deductible does NOT apply to: +1. III.C.2. Loss Avoidance Measures; +2. III.C.3. Condominium Loss Assessments; or +3. III.D. Increased Cost of Compliance. + +However, when a building under construction, alteration, or repair does not have at least two rigid exterior walls and a fully secured roof at the time of loss, your deductible amount will be two times the deductible that would otherwise apply to a completed building. + +## A. Pair and Set Clause + +In case of loss to an article that is part of a pair or set, we will have the option of paying you: + +1. An amount equal to the cost of replacing the lost, damaged, or destroyed article, minus its depreciation; or +2. The amount that represents the fair proportion of the total value of the pair or set that the lost, damaged, or destroyed article bears to the pair or set. + +## B. Other Insurance + +1. If a loss insured by this policy is also insured by other insurance that includes flood coverage not issued under the Act, we will not pay more than the amount of insurance you are entitled to for lost, damaged, or destroyed property insured under this policy subject to the following: +- a. We will pay only the proportion of the loss that the amount of insurance that applies under this policy bears to the total amount of insurance covering the loss, unless VII.B.1.b or c immediately below applies. +- b. If the other policy has a provision stating that it is excess insurance, this policy will be primary. +- c. This policy will be primary (but subject to its own deductible) + +up to the deductible in the other flood policy (except another policy as described in VII.B.1.b above). When the other deductible amount is reached, this policy will participate in the same proportion that the amount of insurance under this policy bears to the total amount of both policies, for the remainder of the loss. + +2. If there is other insurance issued under the Act in the name of your condominium association covering the same property insured by this policy, then this policy will be in excess over the other insurance, except where a condominium loss assessment to the unit owner results from a loss sustained by the condominium association that was not reimbursed under a flood insurance policy written in the name of the association under the Act because the building was not, at the time of loss, insured for an amount equal to the lesser of: +- a. 80 percent or more of its full replacement cost; or + +- b. The maximum amount of insurance permitted under the Act. +3. The combined coverage payment under the other NFIP insurance and this policy cannot exceed the maximum coverage available under the Act, of $250,000 per single unit. + +## C. Amendments, Waivers, Assignment + +This policy cannot be changed, nor can any of its provisions be waived, without the express written consent of the Federal Insurance Administrator. No action we take under the terms of this policy constitutes a waiver of any of our rights. You may assign this policy in writing when you transfer title of your property to someone else except under these conditions: + +- a. When this policy insures only personal property; or +- b. When this policy insures a building under construction. +- D. Insufficient Premium or Rating Information +1. Applicability. The following provisions apply to all instances where the premium paid on this policy is insufficient or where the rating information is insufficient, such as where an Elevation Certificate is not provided. +2. Reforming the Policy with Re­ duced Coverage. Except as otherwise provided in VII.D.1, if the premium we received from you was not sufficient to buy the kinds and amounts of coverage you requested, we will provide only the kinds and + +amounts of coverage that can be purchased for the premium payment we received. + +- a. For the purpose of determining whether your premium payment is sufficient to buy the kinds and amounts of coverage you requested, we will first deduct the costs of all applicable fees and surcharges. +- b. If the amount paid, after deducting the costs of all applicable fees and surcharges, is not sufficient to buy any amount of coverage, your payment will be refunded. Unless the policy is reformed to increase the coverage amount to the amount originally requested pursuant to VII.D.3, this policy will be cancelled, and no claims will be paid under this policy. +- c. Coverage limits on the reformed policy will be based upon the amount of premium submitted per type of coverage, but will not exceed the amount originally requested. +3. Discovery of Insufficient Premium or Rating Information. If we discover that your premium payment was not sufficient to buy the requested amount of coverage, the policy will + +be reformed as described in VII.D.2. You have the option of increasing the amount of coverage resulting from this reformation to the amount you requested as follows: + +- a. Insufficient Premium. If we discover that your premium payment was not sufficient to buy the requested amount of coverage, we will send you, and any mortgagee or trustee known to us, a bill for the required additional premium for the current policy term (or that portion of the current policy term following any endorsement changing the amount of coverage). If it is discovered that the initial amount charged to you for any fees or surcharges is incorrect, the difference will be added or deducted, as applicable, to the total amount in this bill. +- (1) If you or the mortgagee or trustee pays the additional premium amount due within 30 days from the date of our bill, we will reform the policy to increase the amount of coverage to the originally requested amount, effective to the beginning + +of the current policy term (or subsequent date of any endorsement changing the amount of coverage). + +- (2) If you or the mortgagee or trustee do not pay the additional amount due within 30 days of the date of our bill, any flood insurance claim will be settled based on the reduced amount of coverage. +- (3) As applicable, you have the option of paying all or part of the amount due out of a claim payment based on the originally requested amount of coverage. +- b. Insufficient Rating Inform­ ation. If we determine that the rating information we have is insufficient and prevents us from calculating the additional premium, we will ask you to send the required information. You must submit the information within 60 days of our request. +- (1) If we receive the information within 60 days of our request, we will determine the amount of additional premium for the current + +policy term, and follow the procedure in VII.D.3.a above. + +- (2) If we do not receive the information within 60 days of our request, no claims will be paid until the requested information is provided. Coverage will be limited to the amount of coverage that can be purchased for the payments we received, as determined when the requested information is provided. +4. Coverage Increases. If we do not receive the amounts requested in VII.D.3.a or the additional information requested in VII.D.3.b by the date it is due, the amount of coverage under this policy can only be increased by endorsement subject to the appropriate waiting period. However, no coverage increases will be allowed until you have provided the information requested in VII.D.3.b. +5. Falsifying Information. However, if we find that you or your agent intentionally did not tell us, or falsified any important fact or circumstance or did anything fraudulent relating to this insurance, the provisions of VIII.A apply. + +## E. Policy Renewal + +1. This policy will expire at 12:01 a.m. on the last day of the policy term. +2. We must receive the payment of the appropriate renewal premium within 30 days of the expiration date. +3. If we find, however, that we did not place your renewal notice into the U.S. Postal Service, or if we did mail it, we made a mistake, e.g., we used an incorrect, incomplete, or illegible address, which delayed its delivery to you before the due date for the renewal premium, then we will follow these procedures: +- a. If you or your agent notified us, not later than one year after the date on which the payment of the renewal premium was due, of non-receipt of a renewal notice before the due date for the renewal premium, and we determine that the circumstances in the preceding paragraph apply, we will mail a second bill providing a revised due date, which will be 30 days after the date on which the bill is mailed. +- b. If we do not receive the premium requested in the second bill by the revised due date, then we will not renew the policy. In that case, the policy will remain an expired policy as of the expiration date shown on the Declarations Page. +4. In connection with the renewal of this policy, we may ask you during the policy term to recertify, on a Recertification Questionnaire we will provide to you, the rating information used to rate your most recent application for or renewal of insurance. +- F. Conditions Suspending or Restricting Insurance + +We are not liable for loss that occurs while there is a hazard that is increased by any means within your control or knowledge. + +- G. Requirements in Case of Loss + +In case of a flood loss to insured property, you must: + +1. Give prompt written notice to us. +2. As soon as reasonably possible, separate the damaged and + +undamaged property, putting it in the best possible order so that we may examine it. + +3. Prepare an inventory of damaged property showing the quantity, description, actual cash value, and amount of loss. Attach all bills, receipts, and related documents. +4. Within 60 days after the loss, send us a proof of loss, which is your statement of the amount you are claiming under the policy signed and sworn to by you, and which furnishes us with the following information: +- a. The date and time of loss; +- b. A brief explanation of how the loss happened; +- c. Your interest (for example, 'owner') and the interest, if any, of others in the damaged property; +- d. Details of any other insurance that may cover the loss; +- e. Changes in title or occupancy of the insured property during the term of the policy; +- f. Specifications of damaged buildings and detailed repair estimates; +- g. Names of mortgagees or anyone else having a lien, + +charge, or claim against the insured property; + +- h. Details about who occupied any insured building at the time of loss and for what purpose; and +- i. The inventory of damaged personal property described in G.3 above. +5. In completing the proof of loss, you must use your own judgment concerning the amount of loss and justify that amount. +6. You must cooperate with the adjuster or representative in the investigation of the claim. +7. The insurance adjuster whom we hire to investigate your claim may furnish you with a proof of loss form, and she or he may help you complete it. However, this is a matter of courtesy only, and you must still send us a proof of loss within 60 days after the loss even if the adjuster does not furnish the form or help you complete it. +8. We have not authorized the adjuster to approve or disapprove claims or to tell you whether we will approve your claim. +9. At our option, we may accept the adjuster's report of the loss instead of your proof of loss. The adjuster's report will include information about your loss and the damages you sustained. You must sign the adjuster's report. At our option, we may require you to swear to the report. + +H. Our Options After a Loss + +Options we may, in our sole discretion, exercise after loss include the following: + +1. At such reasonable times and places that we may designate, you must: +- a. Show us or our representative the damaged property; +- b. Submit to examination under oath, while not in the presence of another insured, and sign the same; and +- c. Permit us to examine and make extracts and copies of: +- (1) Any policies of property insurance insuring you against loss and the deed establishing your ownership of the insured real property; +- (2) Condominium association documents including the Declarations of the condominium, its Articles of Association or Incorporation, Bylaws, rules and regulations, and other relevant documents if you are a unit owner in a condominium building; and +- (3) All books of accounts, bills, invoices and other vouchers, or certified copies pertaining to the damaged property if the originals are lost. +2. We may request, in writing, that you furnish us with a complete + +inventory of the lost, damaged or destroyed property, including: + +- a. Quantities and costs; +- b. Actual cash values or replacement cost (whichever is appropriate); +- c. Amounts of loss claimed; +- d. Any written plans and specifications for repair of the damaged property that you can reasonably make available to us; and +- e. Evidence that prior flood damage has been repaired. +3. If we give you written notice within 30 days after we receive your signed, sworn proof of loss, we may: +- a. Repair, rebuild, or replace any part of the lost, damaged, or destroyed property with material or property of like kind and quality or its functional equivalent; and +- b. Take all or any part of the damaged property at the value that we agree upon or its appraised value. +- I. No Benefit to Bailee + +No person or organization, other than you, having custody of insured property will benefit from this insurance. + +## J. Loss Payment + +1. We will adjust all losses with you. We will pay you unless some other person or entity is named in the policy or is legally entitled to receive payment. Loss will be payable 60 days after we receive your proof of loss (or within 90 days after the insurance adjuster files the adjuster's report signed and sworn to by you in lieu of a proof of loss) and: +- a. We reach an agreement with you; +- b. There is an entry of a final judgment; or +- c. There is a filing of an appraisal award with us, as provided in VII.M. +2. If we reject your proof of loss in whole or in part you may: +- a. Accept our denial of your claim; +- b. Exercise your rights under this policy; or +- c. File an amended proof of loss as long as it is filed within 60 days of the date of the loss. + +## K. Abandonment + +You may not abandon to us damaged or undamaged property insured under this policy. + +## L. Salvage + +We may permit you to keep damaged property insured under this policy after a loss, and we will reduce the amount of the loss proceeds payable to you under the policy by the value of the salvage. + +## M. Appraisal + +If you and we fail to agree on the actual cash value or, if applicable, replacement cost of your damaged property to settle upon the amount of loss, then either may demand an appraisal of the loss. In this event, you and we will each choose a competent and impartial appraiser within 20 days after receiving a written request from the other. The two appraisers will choose an umpire. If they cannot agree upon an umpire within 15 days, you or we may request that the choice be made by a judge of a court of record in the state where the insured property is located. The appraisers will separately state the actual cash value, the replacement cost, and the amount of loss to each item. If the appraisers submit a written report of an agreement to us, the amount agreed upon will be the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will set the amount of actual cash value and loss, or if it applies, the replacement cost and loss. + +## Each party will: + +1. Pay its own appraiser; and +2. Bear the other expenses of the appraisal and umpire equally. + +## N. Mortgage Clause + +## 1. The word 'mortgagee' includes trustee. + +2. Any loss payable under Coverage A-Building Property will be paid to any mortgagee of whom we have actual notice, as well as any other mortgagee or loss payee determined to exist at the time of loss, and you, as interests appear. If more than one mortgagee is named, the order of payment will be the same as the order of precedence of the mortgages. +3. If we deny your claim, that denial will not apply to a valid claim of the mortgagee, if the mortgagee: +- a. Notifies us of any change in the ownership or occupancy, or substantial change in risk of which the mortgagee is aware; +- b. Pays any premium due under this policy on demand if you have neglected to pay the premium; and +- c. Submits a signed, sworn proof of loss within 60 days after receiving notice from us of your failure to do so. + +4. All of the terms of this policy apply to the mortgagee. +5. The mortgagee has the right to receive loss payment even if the mortgagee has started foreclosure or similar action on the building. +6. If we decide to cancel or not renew this policy, it will continue in effect for the benefit of the mortgagee only for 30 days after we notify the mortgagee of the cancellation or non-renewal. +7. If we pay the mortgagee for any loss and deny payment to you, we are subrogated to all the rights of the mortgagee granted under the mortgage on the property. Subrogation will not impair the right of the mortgagee to recover the full amount of the mortgagee's claim. +- O. Suit Against Us + +You may not sue us to recover money under this policy unless you have complied with all the requirements of the policy. If you do sue, you must start the suit within one year after the date of the written denial of all or part of the claim, and you must file the suit in the United States District Court of the district in which the insured property was located at the time of loss. This requirement applies to any claim that you may have under this policy and to any dispute that you may have arising out of the handling of any claim under the policy. + +- P. Subrogation + +Whenever we make a payment for a loss under this policy, we are subrogated to your right to recover for that loss from any other person. That means that your right to recover for a loss that was partly or totally caused by someone else is automatically transferred to us, to the extent that we have paid you for the loss. We may require + +you to acknowledge this transfer in writing. After the loss, you may not give up our right to recover this money or do anything that would prevent us from recovering it. If you make any claim against any person who caused your loss and recover any money, you must pay us back first before you may keep any of that money. + +- Q. Continuous Lake Flooding +1. If an insured building has been flooded by rising lake waters continuously for 90 days or more and it appears reasonably certain that a continuation of this flooding will result in an insured loss to the insured building equal to or greater than the building policy limits plus the deductible or the maximum payable under the policy for any one building loss, we will pay you the lesser of these two amounts without waiting for the further + +damage to occur if you sign a release agreeing: + +- a. To make no further claim under this policy; +- b. Not to seek renewal of this policy; +- c. Not to apply for any flood insurance under the Act for property at the described location; +- d. Not to seek a premium refund for current or prior terms. + +If the policy term ends before the insured building has been flooded continuously for 90 days, the provisions of this paragraph Q.1 will apply when the insured building suffers a covered loss before the policy term ends. + +2. If your insured building is subject to continuous lake flooding from a closed basin lake, you may elect to file a claim under either paragraph Q.1 above or Q.2 (A 'closed basin lake' is a natural lake from which water leaves primarily through evaporation and whose surface area now exceeds or has exceeded one square mile at any time in the recorded past. Most of the nation's closed basin lakes are in the western half of the United + +States where annual evaporation exceeds annual precipitation and where lake levels and surface areas are subject to considerable fluctuation due to wide variations in the climate. These lakes may overtop their basins on rare occasions.) Under this paragraph Q.2, we will pay your claim as if the building is a total loss even though it has not been continuously inundated for 90 days, subject to the following conditions: + +- a. Lake floodwaters must damage or imminently threaten to damage your building. +- b. Before approval of your claim, you must: +- (1) Agree to a claim payment that reflects your buying back the salvage on a negotiated basis; and +- (2) Grant the conservation easement described in FEMA's 'Policy Guidance for Closed Basin Lakes' to be recorded in the office of the local recorder of deeds. FEMA, in consultation with the community in which the property is located, will identify on a map an area or areas + +of special consideration (ASC) in which there is a potential for flood damage from continuous lake flooding. FEMA will give the community the agreedupon map showing the ASC. This easement will only apply to that portion of the property in the ASC. It will allow certain agricultural and recreational uses of the land. The only structures it will allow on any portion of the property within the ASC are certain simple agricultural and recreational structures. If any of these allowable structures are insurable buildings under the NFIP and are insured under the NFIP, they will not be eligible for the benefits of this paragraph Q.2. If a U.S. Army Corps of Engineers certified flood control project or otherwise certified flood control project later protects the property, FEMA will, upon request, amend the ASC to remove areas protected by those projects. The restrictions of the easement will then no longer apply to any portion of the + +- property removed from the ASC; and +- (3) Comply with paragraphs Q.1.a through Q.1.d above. +- c. Within 90 days of approval of your claim, you must move your building to a new location outside the ASC. FEMA will give you an additional 30 days to move if you show there is sufficient reason to extend the time. +- d. Before the final payment of your claim, you must acquire an elevation certificate and a floodplain development permit from the local floodplain administrator for the new location of your building. +- e. Before the approval of your claim, the community having jurisdiction over your building must: +- (1) Adopt a permanent land use ordinance, or a temporary moratorium for a period not to exceed 6 months to be followed immediately by a permanent land use ordinance that is consistent with the provisions specified in the easement required in paragraph Q.2.b above; + +- (2) Agree to declare and report any violations of this ordinance to FEMA so that under Section 1316 of the National Flood Insurance Act of 1968, as amended, flood insurance to the building can be denied; and +- (3) Agree to maintain as deedrestricted, for purposes compatible with open space or agricultural or recreational use only, any affected property the community acquires an interest in. These deed restrictions must be consistent with the provisions of paragraph Q.2.b above, except that, even if a certified project protects the property, the land use restrictions continue to apply if the property was acquired under the Hazard Mitigation Grant Program or the Flood Mitigation Assistance Program. If a non-profit land trust organization receives the property as a donation, that organization must maintain the property as deed-restricted, consistent +3. with the provisions of paragraph Q2.b above. +- f. Before the approval of your claim, the affected State must take all action set forth in FEMA's 'Policy Guidance for Closed Basin Lakes.' +- g. You must have NFIP flood insurance coverage con tinuously in effect from a date established by FEMA until you file a claim under paragraph Q.2. If a subsequent owner buys NFIP insurance that goes into effect within 60 days of the date of transfer of title, any gap in coverage during that 60-day period will not be a violation of this continuous coverage requirement. For the purpose of honoring a claim under this paragraph Q.2, we will not consider to be in effect any increased coverage that became effective after the date established by FEMA. The exception to this is any increased coverage in the amount suggested by your insurer as an inflation adjustment. +- h. This paragraph Q.2 will be in effect for a community when the FEMA Regional Administrator for the affected region provides + +## to the community, in writing, the following: + +- (1) Confirmation that the community and the State are in compliance with the conditions in paragraphs Q.2.e and Q.2.f above; and + +## (2) The date by which you must have flood insurance in effect. + +## R. Loss Settlement + +1. Introduction + +This policy provides three methods of settling losses: Replacement Cost, Special Loss Settlement, and Actual Cash Value. Each method is used for a different type of property, as explained in paragraphs a-c below. + +- a. Replacement Cost Loss Set tlement , described in R.2 below, applies to a singlefamily dwelling provided: + +## (1) It is your principal residence; and + +- (2) At the time of loss, the amount of insurance in this policy that applies to the dwelling is 80 percent or more of its full replacement cost immediately before the loss, or is the maximum amount of insurance available under the NFIP. +- b. Special Loss Settlement , described in R.3 below, applies to a single-family dwelling that is a manufactured or mobile home or a travel trailer. +- c. Actual Cash Value Loss Settlement applies to a single-family dwelling not subject to replacement cost or special loss settlement, and to the property listed in R.4 below. +2. Replacement Cost Loss Settlement + +The following loss settlement conditions apply to a single-family dwelling described in R.1.a above: + +- a. We will pay to repair or replace the damaged dwelling after application of the deductible and without deduction for depreciation, but not more than the least of the following amounts: +- (1) The building limit of liability shown on your Declarations Page; +- (2) The replacement cost of that part of the dwelling damaged, with materials of like kind and quality and for like use; or +- (3) The necessary amount actually spent to repair or replace the damaged part of the dwelling for like use. +- b. If the dwelling is rebuilt at a new location, the cost described above is limited to the cost that would have been incurred if the dwelling had been rebuilt at its former location. +- c. When the full cost of repair or replacement is more than $1,000, or more than 5 percent of the whole amount of insurance that applies to the dwelling, we will not be liable for any loss under R.2.a above or R.4.a.2 below unless and until actual repair or replacement is completed. +- d. You may disregard the replacement cost conditions above and make claim under this policy for loss to dwellings on an actual cash value basis. You may then make claim for any additional liability according to R.2.a, b, and c above, provided you notify us of your intent to do so within 180 days after the date of loss. +- e. If the community in which your dwelling is located has been converted from the Emergency Program to the Regular Program during the current policy term, then we will consider the maximum amount of available NFIP insurance to be the amount that was available at the beginning of the current policy term. +3. Special Loss Settlement +- a. The following loss settlement conditions apply to a single-family dwelling that: +- (1) is a manufactured or mobile home or a travel trailer, as defined in II.C.6.b and c; + +- (2) is at least 16 feet wide when fully assembled and has an area of at least 600 square feet within its perimeter walls when fully assembled; and +- (3) is your principal residence as specified in R.1.a.1 above. +- b. If such a dwelling is totally destroyed or damaged to such an extent that, in our judgment, it is not economically feasible to repair, at least to its pre-damage condition, we will, at our discretion pay the least of the following amounts: +- (1) The lesser of the replacement cost of the dwelling or 1.5 times the actual cash value; or +- (2) The building limit of liability shown on your Declarations Page. +- c. If such a dwelling is partially damaged and, in our judgment, it is economically feasible to repair it to its pre-damage condition, we will settle the loss according to the Replacement Cost conditions in R.2 above. + +## 4. Actual Cash Value Loss Settlement + +The types of property noted below are subject to actual cash value (or in the case of R.4.a.2., below, proportional) loss settlement. + +- a. A dwelling, at the time of loss, when the amount of insurance on the dwelling is both less than 80 percent of its full replacement cost immediately before the loss and less than the maximum amount of insurance available under the NFIP. In that case, we will pay the greater of the following amounts, but not more than the amount of insurance that applies to that dwelling: +- (1) The actual cash value, as defined in II.C.2, of the damaged part of the dwelling; or +- (2) A proportion of the cost to repair or replace the damaged part of the dwelling, without deduction for physical depreciation and after application of the deductible. + +This proportion is determined as follows: If 80 percent of the full replacement cost of the dwelling is less than the maximum amount of insurance available under the NFIP, then the proportion is determined by dividing the actual amount of insurance on the dwelling by the amount of insurance that represents 80 percent of its full replacement cost. But if 80 percent of the full replacement cost of the dwelling is greater than the maximum amount of insurance available under the NFIP, then the proportion is determined by dividing the actual amount of insurance on the dwelling by the maximum amount of insurance available under the NFIP. + +- b. A two-, three-, or four-family dwelling. +- c. A unit that is not used exclusively for singlefamily dwelling purposes. +- d. Detached garages. +- e. Personal property. +- f. Appliances, carpets, and carpet pads. +- g. Outdoor awnings, outdoor antennas or aerials of any type, and other outdoor equipment. +- h. Any property insured under this policy that is abandoned after a loss and remains as debris anywhere on the described location. +- i. A dwelling that is not your principal residence. + +## 5. Amount of Insurance Required + +To determine the amount of insurance required for a dwelling immediately before the loss, we do not include the value of: + +- a. Footings, foundations, piers, or any other structures or devices that are below the undersurface of the lowest basement floor and support all or part of the dwelling; +- b. Those supports listed in R.5.a above, that are below the surface of the ground inside the foundation walls if there is no basement; and +- c. Excavations and underground flues, pipes, wiring, and drains. + +Note: The Coverage D-Increased Cost of Compliance limit of liability is not included in the determination of the amount of insurance required. + +## VIII. POLICY NULLIFICATION, CANCELLATION, AND NON-RENEWAL + +- A. Policy Nullification for Fraud, Misrepresentation, or Making False Statements +1. With respect to all insureds under this policy, this policy is void and has no legal force and effect if at any time, before or after a loss, you or any other insured or your agent have, with respect to this policy or any other NFIP insurance: +- a. Concealed or misrepresented any material fact or circumstance; +- b. Engaged in fraudulent conduct; or +- c. Made false statements. +2. Policies voided under A.1 cannot be renewed or replaced by a new NFIP policy. +3. Policies are void as of the date the acts described in A.1 above were committed. +4. Fines, civil penalties, and imprisonment under applicable Federal laws may also apply to the acts of fraud or concealment described above. +- B. Policy Nullification for Reasons Other Than Fraud +1. This policy is void from its inception, and has no legal force or effect, if: +- a. The property listed on the application is located in a community that was not participating in the NFIP on this policy's inception date and did not join or reenter the program during the policy term and before the loss occurred; +- b. The property listed on the application is otherwise not eligible for coverage under the NFIP at the time of the initial application; +- c. You never had an insurable interest in the property listed on the application; +- d. You provided an agent with an application and payment, but the payment did not clear; or +- e. We receive notice from you, prior to the policy effective date, that you have determined not to take the policy and you are not subject to a requirement to obtain and maintain flood insurance pursuant to any statute, regulation, or contract. +2. In such cases, you will be entitled to a full refund of all premium, fees, and surcharges received. However, if a claim was paid for a policy that is void, the claim payment must be returned to FEMA or offset from the premiums to be refunded before the refund will be processed. + +## C. Cancellation of the Policy by You + +1. You may cancel this policy in accordance with the terms and conditions of this policy and the applicable rules and regulations of the NFIP. +2. If you cancel this policy, you may be entitled to a full or partial refund of premium, surcharges, or fees under the terms and conditions of this policy and the applicable rules and regulations of the NFIP. + +## D. Cancellation of the Policy by Us + +1. Cancellation for Underpayment of Amounts Owed on Policy. This policy will be cancelled, pursuant to VII.D.2, if it is determined that the premium amount you paid is not sufficient to buy any amount of coverage, and you do not pay the additional amount of premium owed to increase the coverage to the originally requested amount within the required time period. + +## 2. Cancellation Due to Lack of an Insurable Interest. + +- a. If you no longer have an insurable interest in the insured property, we will cancel this policy. You will cease to have an insurable interest if: +- (1) For building coverage, the building was sold, destroyed, or removed. +- (2) For contents coverage, the contents were sold or transferred ownership, or the contents were + +completely removed from the described location. + +- b. If your policy is cancelled for this reason, you may be entitled to a partial refund of premium under the applicable rules and regulations of the NFIP. + +## 3. Cancellation of Duplicate Policies + +- a. Except as allowed under Article I.G, your property may not be insured by more than one NFIP policy, and payment for damages to your property will only be made under one policy. +- b. Except as allowed under Article I.G, if the property is insured by more than one NFIP policy, we will cancel all but one of the policies. The policy, or policies, will be selected for cancellation in accordance with 44 CFR 62.5 and the applicable rules and guidance of the NFIP. +- c. If this policy is cancelled pursuant to VIII.D.4.b, you may be entitled to a full or partial refund of premium, surcharges, or fees under the terms and conditions of this policy and the applicable rules and regulations of the NFIP. + +## 4. Cancellation Due to Physical Alteration of Property + +- a. If the insured building has been physically altered in such a manner that it is no longer eligible for flood insurance coverage, we will cancel this policy. + +## of this policy and the applicable rules and regulations of the NFIP. + +## E. Non-Renewal of the Policy by Us + +Your policy will not be renewed if: + +1. The community where your insured property is located is suspended or stops participating in the NFIP; +- b. If your policy is cancelled for this reason, you may be entitled to a partial refund of premium under the terms and conditions +2. Your building is otherwise ineligible for flood insurance under the Act; +3. You have failed to provide the information we requested for the purpose of rating the policy within the required deadline. + +## IX. LIBERALIZATION CLAUSE + +If we make a change that broadens your coverage under this edition of our policy, but does not require any additional premium, then that change will automatically apply to your insurance as of the date we implement the change, provided that this implementation date falls within 60 days before or during the policy term stated on the Declarations Page. + +## X. WHAT LAW GOVERNS + +This policy and all disputes arising from the insurer's policy issuance, policy administration, or the handling of any claim under the policy are governed exclusively by the flood insurance regulations issued by FEMA, the National Flood Insurance Act of 1968, as amended (42 U.S.C. 4001, et seq.), and Federal common law. + +In Witness Whereof, we have signed this policy below and hereby enter into this Insurance Agreement. + + + +Deputy Associate Administrator Federal Insurance and Mitigation Administration diff --git a/examples/insurance-claims-agent/verified-run/policy-evidence.json b/examples/insurance-claims-agent/verified-run/policy-evidence.json new file mode 100644 index 00000000..226829ef --- /dev/null +++ b/examples/insurance-claims-agent/verified-run/policy-evidence.json @@ -0,0 +1,26 @@ +[ + { + "chunk_id": "13", + "rank": 0, + "score": 0.9503188729286194, + "text": "## C. Coverage C-Other Coverages\n\n1. Debris Removal\n- a. We will pay the expense to remove non-owned debris that is on or in insured property and debris of insured property anywhere.\n- b. If you or a member of your household perform the removal work, the value of your work will be based on the Federal minimum wage.\n- c. This coverage does not increase the Coverage A or Coverage B limit of liability.\n2. Loss Avoidance Measures\n- a. Sandbags, Supplies, and Labor\n- (1) We will pay up to $1,000 for costs you incur to protect the insured building from a flood or imminent danger of flood, for the following:\n8. (a) Your reasonable expenses to buy:\n9. (i) Sandbags, including sand to fill them;\n10. (ii) Fill for temporary levees;\n11. (iii) Pumps; and\n12. (iv) Plastic sheeting and lumber used in connection with these items.\n13. (b) The value of work, at the Federal minimum wage, that you or a member of your house-hold perform.\n- (2) This coverage for Sandbags, Supplies, and Labor only applies if damage to insured property by or from flood is imminent and the threat of flood damage is apparent enough to lead a person of common prudence to anticipate flood damage. One of the following must also occur:\n15. (a) A general and temporary condition of flooding in the area near the described\n\nlocation must occur, even if the flood does not reach the building; or\n\n- (b) A legally authorized official must issue an evacuation order or other civil order for the community in which the building is located calling for measures to preserve life and property from the peril of flood.\n\nThis coverage does not increase the Coverage A or Coverage B limit of liability." + }, + { + "chunk_id": "23", + "rank": 1, + "score": 0.7388575673103333, + "text": "- ground by reason of earth having been used as insulation material in conjunction with energy efficient building techniques.\n12. Fences, retaining walls, seawalls, bulkheads, wharves, piers, bridges, and docks.\n13. Aircraft or watercraft, or their furnishings and equipment.\n\nfilters, pumps, and pipes, wherever located.\n\n15. Property not eligible for flood insurance pursuant to the provisions of the Coastal Barrier Resources Act and the Coastal Barrier Improvement Act and amendments to these acts.\n14. Hot tubs and spas that are not bathroom fixtures, and swimming pools, and their equipment, such as, but not limited to, heaters,\n16. Personal property you own in common with other unit owners comprising the membership of a condominium association.\n\n## V. EXCLUSIONS\n\nA. We only pay for direct physical loss by or from flood, which means that we do not pay you for:\n\n1. Loss of revenue or profits;\n2. Loss of access to the insured property or described location;\n3. Loss of use of the insured property or described location;\n4. Loss from interruption of business or production;\n5. Any additional living expenses incurred while the insured building is being repaired or is unable to be occupied for any reason;\n6. The cost of complying with any ordinance or law requiring or\n\nregulating the construction, demolition, remodeling, renovation, or repair of property, including removal of any resulting debris. This exclusion does not apply to any eligible activities we describe in Coverage D-Increased Cost of Compliance; or\n\n7. Any other economic loss you suffer." + }, + { + "chunk_id": "6", + "rank": 2, + "score": 0.48630863428115845, + "text": "21. National Flood Insurance Program (NFIP). The program of flood insurance coverage and floodplain management administered under the Act and applicable Federal regulations in Title 44 of the Code of Federal Regulations, Subchapter B.\n22. Policy. The entire written contract between you and us. It includes:\n- a. This printed form;\n- b. The application and Declarations Page;\n- c. Any endorsement(s) that may be issued; and\n- d. Any renewal certificate indicating that coverage has been instituted for a new policy and new policy term. Only one dwelling, which you specifically described in the application, may be insured under this policy.\n23. Pollutants. Substances that include, but are not limited to, any solid, liquid, gaseous, or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste. 'Waste' includes, but is not limited to, materials to be recycled, reconditioned, or reclaimed.\n24. Post-FIRM Building. A building for which construction or substantial improvement occurred after December 31, 1974, or on or after the effective date of an initial Flood Insurance Rate Map (FIRM), whichever is later.\n- a. The 365 days immediately preceding the time of loss; or\n- b. The period of ownership of you or your spouse, if either you or your spouse owned the dwelling for less than 365 days immediately preceding the time of loss.\n26. Probation Surcharge. A flat charge you must pay on each new or renewal policy issued covering property in a community the NFIP has placed on probation under the provisions of 44 CFR 59.24.\n27. Regular Program. The final phase of a community's participation in the National Flood Insurance Program. In this phase, a Flood Insurance Rate Map is in effect and full limits of coverage are available under the Act and the regulations prescribed pursuant to the Act.\n28. Special Flood Hazard Area (SFHA). An area having special flood or mudflow, and/or flood-related erosion hazards, and shown on a Flood Hazard Boundary Map or Flood Insurance Rate Map as Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/ AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, VE, or V.\n29. Unit. A single-family residential space you own in a condominium building.\n30. Valued Policy. A policy in which the insured and the insurer agree on the value of the property insured, that value being payable in the event of a total loss. The Standard Flood Insurance Policy is not a valued policy.\n25. Principal Residence. The dwelling in which you or your spouse have lived for at least 80 percent of:" + }, + { + "chunk_id": "18", + "rank": 3, + "score": 0.29108163714408875, + "text": "- c. Under the minimum NFIP criteria at 44 CFR 60.3(b)(4), States and communities must require the elevation or floodproofing of buildings in unnumbered A zones to the base flood elevation where elevation data is obtained from a Federal, State, or other source. Such compliance activities are eligible for Coverage D.\n- d. Coverage D will pay for the incremental cost, after demolition or relocation, of elevating or floodproofing a building during its rebuilding at the same or another site to meet State or local floodplain management laws or ordinances, subject to Coverage D Exclusion 5.g below.\n- e. Coverage D will pay to bring a flood-damaged building into compliance with State or local floodplain management laws or ordinances even if the building had received a variance before the present loss from the applicable floodplain management requirements.\n\n## 4. Conditions\n\n- a. When a building insured under Coverage A-Building Property sustains a loss caused by a flood, our payment for the loss under this Coverage D will be for the increased cost to elevate, floodproof, relocate, or demolish (or any combination of these activities) caused by the enforcement of current State or local floodplain management ordinances or laws. Our payment for eligible demolition activities will be for the cost to demolish and clear the site of the building debris or a portion thereof caused by the enforcement of current State or local floodplain management\n\nordinances or laws. Eligible activities for the cost of clearing the site will include those necessary to discontinue utility service to the site and ensure proper abandonment of on-site utilities." + } +] diff --git a/examples/insurance-claims-agent/verified-run/raw/appeal_decision-parse.json b/examples/insurance-claims-agent/verified-run/raw/appeal_decision-parse.json new file mode 100644 index 00000000..93b72b13 --- /dev/null +++ b/examples/insurance-claims-agent/verified-run/raw/appeal_decision-parse.json @@ -0,0 +1,1496 @@ +{ + "entities": [], + "relations": [], + "classifications": [], + "objects": [], + "id": "nfip-appeal-b8", + "data": { + "text": "FEDERAL EMERGENCY MANAGEMENT AGENCY (FEMA) FEDERAL INSURANCE MITIGATION ADMINISTRATION (FIMA) APPEAL DECISION\n\nFEMA Flood Insurance Appeal Decision #B8\n\nSUMMARY\n\nThe policyholder appealed the flood insurance carrier's (hereinafter 'insurer') denial of a part of their claim under the Standard Flood Insurance Policy (SFIP) 1 for damages to his property arising in July 2019.\n\nThe policyholder files this appeal under 44 C.F.R. \u00a7 62.20. The appeals process is available after the insurer issues a written denial, in whole or in part, of the policyholder's claim. 2\n\nAfter reviewing the issues, evidence, and relevant authorities, FEMA affirms the insurer's decision.\n\nBACKGROUND\n\nCOVERAGE\n\nThe policyholder insures property under the SFIP Dwelling Form. At the time of loss, the policyholder had $250,000 of building coverage with a $2,000 deductible.\n\nEVENT AND CLAIM FACTS\n\nIn July 2019, an accumulation of heavy rainfall from a severe thunderstorm created overflow from Lake Ontario. The rainfall inundated the insured building and neighboring properties creating a general and temporary condition of flood.\n\nThe policyholder reported the loss to the insurer and the insurer assigned an adjuster to the claim. The adjuster inspected the property in July 2019. The insured building is located on a small island and is accessible only by boat. The adjuster measured a waterline of 24 inches on the exterior of the building. Because the building is elevated, floodwaters were not high enough to reach the building's first floor. Floodwaters were limited to the crawlspace area underneath the building.\n\n1 See 44 C.F.R. \u00a7 61.13 (2018); Dwelling Form available at 44 C.F.R. pt. 61 App. A(1) [hereinafter 'SFIP'].\n\n2 The policyholder's appeal and related documents concerning the appeal, claim, or policy are on file with FEMA, Federal Insurance and Mitigation Administration, Federal Insurance Directorate, Policyholder Services Division, Appeals Branch [hereinafter 'Appeal File'].\n\nThe building is located in a special flood hazard area (flood zone AE) and was constructed in 1989, after the date the local community entered the federal flood program in 1981. The first floor is elevated by piers. As such, the claim is subject to SFIP coverage limitations for post-FIRM (Flood Insurance Rate Map) elevated buildings. 3 The adjuster took the SFIP's coverage limitations for post-FIRM elevated buildings into account and estimated the cost for flood cleanup at $935.67.\n\nBecause of questions on the claim, the insurer retained an engineer to verify the condition of loss and the amount of flood-borne debris, sand, and stones deposited underneath the building. The same engineer inspected the building in 2018 after a previous flood event. The engineer determined that since the 2018 inspection, only a minor amount of flood-borne debris was deposited under the building. The engineer estimated this amount ranged from 12 to 15 cubic yards of stones and no sand.\n\nThe insurer reviewed the policyholder's amended proof of loss totaling $182,552.00 and denied the policyholder's additional payment request. In a letter dated December 2019, the insurer denied coverage for flood-borne debris removal stating the stones that washed up under the insured building were not covered under the SFIP.\n\nThe policyholder appeals the insurer's denial, stating the SFIP covers debris removal, including the removal of stones. The policyholder requests coverage for the cost to remove 12 to 15 cubic yards of stones as recommended by the insurer's engineer. In support of the appeal, the policyholder provides an estimate from a local service provider to remove the stones from underneath the building totaling $49,500.00 and a second estimate for transporting the removed stones by barge totaling $181,832.94.\n\nISSUE\n\nThe policyholder appeals the insurer's denial of flood-borne debris removal and requests payment to remove stones that were washed in underneath their insured building during the subject flood event.\n\nRULES\n\nThe insurer agrees to pay the policyholder for direct physical loss by or from flood to covered property, provided the policyholder complies with all terms and conditions of the SFIP. 4\n\nThe SFIP covers the expense to remove non-owned flood debris that is on or in insured property. 5\n\nIn case of a loss or request for payment, the SFIP requires the policyholder to submit directly to the insurer, a signed and sworn proof of loss with the documentation that supports their flood loss and the dollar amount requested. This proof of loss documentation packet should also include details of any other insurance that may cover the loss and other documents such as detailed repair estimates for the current loss, repair estimates and proof of repairs and price from previous flood losses and claim payments. 6\n\n3 See SFIP (II)(B)(14), (II)(B)(23), (II)(B)(26), and (III)(A)(8).\n\n4 See SFIP (I), (II)(B)(12).\n\n5 See SFIP (III)(C)(1)(a).\n\n6 See SFIP (VII)(J), (VII)(K).\n\nANALYSIS\n\nThe policyholder appeals the denial of coverage for the cost to remove flood-borne stones deposited underneath the insured building.\n\nFEMA's review agrees with the policyholder that the SFIP covers the cost to remove flood-borne debris and cleanup of non-owned debris that is on or in the insured property. This scope of coverage may encompass the cost to remove flood-borne debris such as stones, sand, and plant-life that have washed up underneath the insured building's perimeter footprint. The SFIP excludes any additional cost related to a local community ordinance or code compliance order for the removal of any debris. 7\n\nThe SFIP's scope of coverage for non-owned debris is limited to removal from the insured building. The covered scope of non-owned flood-borne debris is limited to the removal of flood-borne debris underneath the insured building to the area around the perimeter of the building. The SFIP does not cover the expense to dispose non-owned debris because it is not insured property.\n\nThe scope of coverage under the claim for non-owned debris is limited to the labor and equipment usage to remove the 12 to 15 cubic yards of stones. The labor cost should account for any exceptional condition present with working underneath the building within the crawlspace. The SFIP does not cover any increased cost to remove non-owned debris in the yard or to cart debris from the perimeter of the building into a barge, nor the expense for barge transportation, handling, and disposal.\n\nThe policyholder's claim of July 2019, follows three flood claims filed on May 20, 2019, May 29, 2019, and June 11, 2019. The policyholder also reported losses subsequent to the subject flood event that occurred later in July 2019 and October 2019. In order to receive payment on the current and subsequent flood losses, the SFIP requires the policyholder to submit directly to the insurer, a signed and sworn proof of loss with the documentation that proves his loss and supports the dollar amount requested. This proof of loss documentation packet should include all related estimates to remove debris from underneath the insured building, plus estimates to remove debris from the yard. The packet should include proof of repairs and debris removal from the three previous flood claims filed 2019.\n\nBecause of the large dollar amount presented by the policyholder's contractor, FEMA recommends the policyholder provide additional evidence the estimated dollar amount from its contractor is limited to the covered scope of work. The SFIP does not cover the cost to remove non-owned flood-borne debris from the yard and it does not cover the expense to ship non-owned flood-borne debris by barge for further handling and disposal. The SFIP covers pricing that is reasonable and customary to the loss and location. 8 This includes labor and equipment usage for removing of 12 to 15 cubic yards of stone material.\n\nThe SFIP will cover reasonable additional labor costs customary for site conditions with working underneath the insured building. To ensure the validity of the contractor's quoted price of $3,564 per cubic yard with sales tax, the policyholder should provide the insurer with other debris removal estimates from one or more different contractors.\n\n7 See SFIP (V)(A)(6).\n\n8 See National Flood Insurance Program Claims Manual- Section 2.5.2 Building Scope and Estimate.\n\nBased on previous claims, the policyholder has received payment(s) for similar losses as the subject flood claim. The policyholder should provide proof of repairs and price from the previous losses related to removing stones and debris from underneath the building, as well as the cost paid to remove the same from the yard, even though flood-borne debris removal in the yard is not covered under the SFIP. Because of the price per cubic yard quoted, the policyholder's proof of loss documentation packet should include evidence that the payment request is similarly priced to similar debris removal tasks paid for after the prior flood events.\n\nCONCLUSION\n\nBased on the facts and analysis above, FEMA directs the insurer to cover and pay the cost to remove nonowned flood-borne debris from underneath the insured building to the perimeter of the building in the yard. In order to ensure against a payment overlap, the insurer should review the documentation in its file for the policyholder's previous claims with debris removal. Before issuing any additional payment for the subject July 2019 flood event, the insurer should verify that debris removal for the same area underneath the building was performed before the July 2019 flood event.\n\nIf the policyholder does not agree with the insurer's payment recommendation, he must prove his loss and send the insurer a signed and sworn proof of loss with the documentation that proves his loss and supports the dollar amount requested. This proof of loss packet should also include the documentation explained above. Any further adjustment of the claim remains under the direction of the insurer, based on the merits of their finding in accordance with all SFIP terms and conditions.", + "markdown": "\n\n## FEDERAL EMERGENCY MANAGEMENT AGENCY (FEMA) FEDERAL INSURANCE MITIGATION ADMINISTRATION (FIMA) APPEAL DECISION\n\nFEMA Flood Insurance Appeal Decision #B8\n\n## SUMMARY\n\nThe policyholder appealed the flood insurance carrier's (hereinafter 'insurer') denial of a part of their claim under the Standard Flood Insurance Policy (SFIP) 1 for damages to his property arising in July 2019.\n\nThe policyholder files this appeal under 44 C.F.R. \u00a7 62.20. The appeals process is available after the insurer issues a written denial, in whole or in part, of the policyholder's claim. 2\n\nAfter reviewing the issues, evidence, and relevant authorities, FEMA affirms the insurer's decision.\n\n## BACKGROUND\n\n## COVERAGE\n\nThe policyholder insures property under the SFIP Dwelling Form. At the time of loss, the policyholder had $250,000 of building coverage with a $2,000 deductible.\n\n## EVENT AND CLAIM FACTS\n\nIn July 2019, an accumulation of heavy rainfall from a severe thunderstorm created overflow from Lake Ontario. The rainfall inundated the insured building and neighboring properties creating a general and temporary condition of flood.\n\nThe policyholder reported the loss to the insurer and the insurer assigned an adjuster to the claim. The adjuster inspected the property in July 2019. The insured building is located on a small island and is accessible only by boat. The adjuster measured a waterline of 24 inches on the exterior of the building. Because the building is elevated, floodwaters were not high enough to reach the building's first floor. Floodwaters were limited to the crawlspace area underneath the building.\n\n1 See 44 C.F.R. \u00a7 61.13 (2018); Dwelling Form available at 44 C.F.R. pt. 61 App. A(1) [hereinafter 'SFIP'].\n\n2 The policyholder's appeal and related documents concerning the appeal, claim, or policy are on file with FEMA, Federal Insurance and Mitigation Administration, Federal Insurance Directorate, Policyholder Services Division, Appeals Branch [hereinafter 'Appeal File'].\n\nThe building is located in a special flood hazard area (flood zone AE) and was constructed in 1989, after the date the local community entered the federal flood program in 1981. The first floor is elevated by piers. As such, the claim is subject to SFIP coverage limitations for post-FIRM (Flood Insurance Rate Map) elevated buildings. 3 The adjuster took the SFIP's coverage limitations for post-FIRM elevated buildings into account and estimated the cost for flood cleanup at $935.67.\n\nBecause of questions on the claim, the insurer retained an engineer to verify the condition of loss and the amount of flood-borne debris, sand, and stones deposited underneath the building. The same engineer inspected the building in 2018 after a previous flood event. The engineer determined that since the 2018 inspection, only a minor amount of flood-borne debris was deposited under the building. The engineer estimated this amount ranged from 12 to 15 cubic yards of stones and no sand.\n\nThe insurer reviewed the policyholder's amended proof of loss totaling $182,552.00 and denied the policyholder's additional payment request. In a letter dated December 2019, the insurer denied coverage for flood-borne debris removal stating the stones that washed up under the insured building were not covered under the SFIP.\n\nThe policyholder appeals the insurer's denial, stating the SFIP covers debris removal, including the removal of stones. The policyholder requests coverage for the cost to remove 12 to 15 cubic yards of stones as recommended by the insurer's engineer. In support of the appeal, the policyholder provides an estimate from a local service provider to remove the stones from underneath the building totaling $49,500.00 and a second estimate for transporting the removed stones by barge totaling $181,832.94.\n\n## ISSUE\n\nThe policyholder appeals the insurer's denial of flood-borne debris removal and requests payment to remove stones that were washed in underneath their insured building during the subject flood event.\n\n## RULES\n\nThe insurer agrees to pay the policyholder for direct physical loss by or from flood to covered property, provided the policyholder complies with all terms and conditions of the SFIP. 4\n\nThe SFIP covers the expense to remove non-owned flood debris that is on or in insured property. 5\n\nIn case of a loss or request for payment, the SFIP requires the policyholder to submit directly to the insurer, a signed and sworn proof of loss with the documentation that supports their flood loss and the dollar amount requested. This proof of loss documentation packet should also include details of any other insurance that may cover the loss and other documents such as detailed repair estimates for the current loss, repair estimates and proof of repairs and price from previous flood losses and claim payments. 6\n\n3 See SFIP (II)(B)(14), (II)(B)(23), (II)(B)(26), and (III)(A)(8).\n\n4 See SFIP (I), (II)(B)(12).\n\n5 See SFIP (III)(C)(1)(a).\n\n6 See SFIP (VII)(J), (VII)(K).\n\n## ANALYSIS\n\nThe policyholder appeals the denial of coverage for the cost to remove flood-borne stones deposited underneath the insured building.\n\nFEMA's review agrees with the policyholder that the SFIP covers the cost to remove flood-borne debris and cleanup of non-owned debris that is on or in the insured property. This scope of coverage may encompass the cost to remove flood-borne debris such as stones, sand, and plant-life that have washed up underneath the insured building's perimeter footprint. The SFIP excludes any additional cost related to a local community ordinance or code compliance order for the removal of any debris. 7\n\nThe SFIP's scope of coverage for non-owned debris is limited to removal from the insured building. The covered scope of non-owned flood-borne debris is limited to the removal of flood-borne debris underneath the insured building to the area around the perimeter of the building. The SFIP does not cover the expense to dispose non-owned debris because it is not insured property.\n\nThe scope of coverage under the claim for non-owned debris is limited to the labor and equipment usage to remove the 12 to 15 cubic yards of stones. The labor cost should account for any exceptional condition present with working underneath the building within the crawlspace. The SFIP does not cover any increased cost to remove non-owned debris in the yard or to cart debris from the perimeter of the building into a barge, nor the expense for barge transportation, handling, and disposal.\n\nThe policyholder's claim of July 2019, follows three flood claims filed on May 20, 2019, May 29, 2019, and June 11, 2019. The policyholder also reported losses subsequent to the subject flood event that occurred later in July 2019 and October 2019. In order to receive payment on the current and subsequent flood losses, the SFIP requires the policyholder to submit directly to the insurer, a signed and sworn proof of loss with the documentation that proves his loss and supports the dollar amount requested. This proof of loss documentation packet should include all related estimates to remove debris from underneath the insured building, plus estimates to remove debris from the yard. The packet should include proof of repairs and debris removal from the three previous flood claims filed 2019.\n\nBecause of the large dollar amount presented by the policyholder's contractor, FEMA recommends the policyholder provide additional evidence the estimated dollar amount from its contractor is limited to the covered scope of work. The SFIP does not cover the cost to remove non-owned flood-borne debris from the yard and it does not cover the expense to ship non-owned flood-borne debris by barge for further handling and disposal. The SFIP covers pricing that is reasonable and customary to the loss and location. 8 This includes labor and equipment usage for removing of 12 to 15 cubic yards of stone material.\n\nThe SFIP will cover reasonable additional labor costs customary for site conditions with working underneath the insured building. To ensure the validity of the contractor's quoted price of $3,564 per cubic yard with sales tax, the policyholder should provide the insurer with other debris removal estimates from one or more different contractors.\n\n7 See SFIP (V)(A)(6).\n\n8 See National Flood Insurance Program Claims Manual- Section 2.5.2 Building Scope and Estimate.\n\nBased on previous claims, the policyholder has received payment(s) for similar losses as the subject flood claim. The policyholder should provide proof of repairs and price from the previous losses related to removing stones and debris from underneath the building, as well as the cost paid to remove the same from the yard, even though flood-borne debris removal in the yard is not covered under the SFIP. Because of the price per cubic yard quoted, the policyholder's proof of loss documentation packet should include evidence that the payment request is similarly priced to similar debris removal tasks paid for after the prior flood events.\n\n## CONCLUSION\n\nBased on the facts and analysis above, FEMA directs the insurer to cover and pay the cost to remove nonowned flood-borne debris from underneath the insured building to the perimeter of the building in the yard. In order to ensure against a payment overlap, the insurer should review the documentation in its file for the policyholder's previous claims with debris removal. Before issuing any additional payment for the subject July 2019 flood event, the insurer should verify that debris removal for the same area underneath the building was performed before the July 2019 flood event.\n\nIf the policyholder does not agree with the insurer's payment recommendation, he must prove his loss and send the insurer a signed and sworn proof of loss with the documentation that proves his loss and supports the dollar amount requested. This proof of loss packet should also include the documentation explained above. Any further adjustment of the claim remains under the direction of the insurer, based on the merits of their finding in accordance with all SFIP terms and conditions.", + "document": { + "schema_name": "DoclingDocument", + "version": "1.10.0", + "name": "document", + "origin": { + "mimetype": "application/pdf", + "binary_hash": 15414442785510502810, + "filename": "document.pdf" + }, + "furniture": { + "self_ref": "#/furniture", + "children": [], + "content_layer": "furniture", + "name": "_root_", + "label": "unspecified" + }, + "body": { + "self_ref": "#/body", + "children": [ + { + "$ref": "#/pictures/0" + }, + { + "$ref": "#/texts/0" + }, + { + "$ref": "#/texts/1" + }, + { + "$ref": "#/texts/2" + }, + { + "$ref": "#/texts/3" + }, + { + "$ref": "#/texts/4" + }, + { + "$ref": "#/texts/5" + }, + { + "$ref": "#/texts/6" + }, + { + "$ref": "#/texts/7" + }, + { + "$ref": "#/texts/8" + }, + { + "$ref": "#/texts/9" + }, + { + "$ref": "#/texts/10" + }, + { + "$ref": "#/texts/11" + }, + { + "$ref": "#/texts/12" + }, + { + "$ref": "#/texts/13" + }, + { + "$ref": "#/texts/14" + }, + { + "$ref": "#/texts/15" + }, + { + "$ref": "#/texts/16" + }, + { + "$ref": "#/texts/17" + }, + { + "$ref": "#/texts/18" + }, + { + "$ref": "#/texts/19" + }, + { + "$ref": "#/texts/20" + }, + { + "$ref": "#/texts/21" + }, + { + "$ref": "#/texts/22" + }, + { + "$ref": "#/texts/23" + }, + { + "$ref": "#/texts/24" + }, + { + "$ref": "#/texts/25" + }, + { + "$ref": "#/texts/26" + }, + { + "$ref": "#/texts/27" + }, + { + "$ref": "#/texts/28" + }, + { + "$ref": "#/texts/29" + }, + { + "$ref": "#/texts/30" + }, + { + "$ref": "#/texts/31" + }, + { + "$ref": "#/texts/32" + }, + { + "$ref": "#/texts/33" + }, + { + "$ref": "#/texts/34" + }, + { + "$ref": "#/texts/35" + }, + { + "$ref": "#/texts/36" + }, + { + "$ref": "#/texts/37" + }, + { + "$ref": "#/texts/38" + }, + { + "$ref": "#/texts/39" + }, + { + "$ref": "#/texts/40" + }, + { + "$ref": "#/texts/41" + }, + { + "$ref": "#/texts/42" + }, + { + "$ref": "#/texts/43" + }, + { + "$ref": "#/texts/44" + }, + { + "$ref": "#/texts/45" + } + ], + "content_layer": "body", + "name": "_root_", + "label": "unspecified" + }, + "groups": [], + "texts": [ + { + "self_ref": "#/texts/0", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 1, + "bbox": { + "l": 72.024, + "t": 675.48508, + "r": 504.25, + "b": 628.8757381818182, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 109 + ] + } + ], + "orig": "FEDERAL EMERGENCY MANAGEMENT AGENCY (FEMA) FEDERAL INSURANCE MITIGATION ADMINISTRATION (FIMA) APPEAL DECISION", + "text": "FEDERAL EMERGENCY MANAGEMENT AGENCY (FEMA) FEDERAL INSURANCE MITIGATION ADMINISTRATION (FIMA) APPEAL DECISION", + "level": 1 + }, + { + "self_ref": "#/texts/1", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 1, + "bbox": { + "l": 72.024, + "t": 609.148, + "r": 294.65, + "b": 598.8010909090909, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 40 + ] + } + ], + "orig": "FEMA Flood Insurance Appeal Decision #B8", + "text": "FEMA Flood Insurance Appeal Decision #B8" + }, + { + "self_ref": "#/texts/2", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 1, + "bbox": { + "l": 72.024, + "t": 566.728, + "r": 141.89, + "b": 554.8636641221374, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 7 + ] + } + ], + "orig": "SUMMARY", + "text": "SUMMARY", + "level": 1 + }, + { + "self_ref": "#/texts/3", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 1, + "bbox": { + "l": 72.024, + "t": 534.76072, + "r": 541.78, + "b": 511.57527999999996, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 212 + ] + } + ], + "orig": "The policyholder appealed the flood insurance carrier's (hereinafter 'insurer') denial of a part of their claim under the Standard Flood Insurance Policy (SFIP) 1 for damages to his property arising in July 2019.", + "text": "The policyholder appealed the flood insurance carrier's (hereinafter 'insurer') denial of a part of their claim under the Standard Flood Insurance Policy (SFIP) 1 for damages to his property arising in July 2019." + }, + { + "self_ref": "#/texts/4", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 1, + "bbox": { + "l": 72.024, + "t": 493.12072, + "r": 516.8861599999999, + "b": 469.93528000000003, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 187 + ] + } + ], + "orig": "The policyholder files this appeal under 44 C.F.R. \u00a7 62.20. The appeals process is available after the insurer issues a written denial, in whole or in part, of the policyholder's claim. 2", + "text": "The policyholder files this appeal under 44 C.F.R. \u00a7 62.20. The appeals process is available after the insurer issues a written denial, in whole or in part, of the policyholder's claim. 2" + }, + { + "self_ref": "#/texts/5", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 1, + "bbox": { + "l": 72.024, + "t": 451.72072, + "r": 513.7, + "b": 442.21528, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 100 + ] + } + ], + "orig": "After reviewing the issues, evidence, and relevant authorities, FEMA affirms the insurer's decision.", + "text": "After reviewing the issues, evidence, and relevant authorities, FEMA affirms the insurer's decision." + }, + { + "self_ref": "#/texts/6", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 1, + "bbox": { + "l": 72.024, + "t": 410.33799999999997, + "r": 165.17, + "b": 398.4736641221374, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 10 + ] + } + ], + "orig": "BACKGROUND", + "text": "BACKGROUND", + "level": 1 + }, + { + "self_ref": "#/texts/7", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 1, + "bbox": { + "l": 72.024, + "t": 378.20408000000003, + "r": 128.18, + "b": 368.9181018181818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 8 + ] + } + ], + "orig": "COVERAGE", + "text": "COVERAGE", + "level": 1 + }, + { + "self_ref": "#/texts/8", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 1, + "bbox": { + "l": 72.024, + "t": 349.46072, + "r": 527.4860799999999, + "b": 326.27528, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 161 + ] + } + ], + "orig": "The policyholder insures property under the SFIP Dwelling Form. At the time of loss, the policyholder had $250,000 of building coverage with a $2,000 deductible.", + "text": "The policyholder insures property under the SFIP Dwelling Form. At the time of loss, the policyholder had $250,000 of building coverage with a $2,000 deductible." + }, + { + "self_ref": "#/texts/9", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 1, + "bbox": { + "l": 72.024, + "t": 307.52408, + "r": 193.66699999999994, + "b": 298.2381018181818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 21 + ] + } + ], + "orig": "EVENT AND CLAIM FACTS", + "text": "EVENT AND CLAIM FACTS", + "level": 1 + }, + { + "self_ref": "#/texts/10", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 1, + "bbox": { + "l": 72.024, + "t": 279.74072, + "r": 532.9745599999995, + "b": 242.99527999999998, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 234 + ] + } + ], + "orig": "In July 2019, an accumulation of heavy rainfall from a severe thunderstorm created overflow from Lake Ontario. The rainfall inundated the insured building and neighboring properties creating a general and temporary condition of flood.", + "text": "In July 2019, an accumulation of heavy rainfall from a severe thunderstorm created overflow from Lake Ontario. The rainfall inundated the insured building and neighboring properties creating a general and temporary condition of flood." + }, + { + "self_ref": "#/texts/11", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 1, + "bbox": { + "l": 72.024, + "t": 225.14072, + "r": 527.2573599999995, + "b": 161.00528000000008, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 489 + ] + } + ], + "orig": "The policyholder reported the loss to the insurer and the insurer assigned an adjuster to the claim. The adjuster inspected the property in July 2019. The insured building is located on a small island and is accessible only by boat. The adjuster measured a waterline of 24 inches on the exterior of the building. Because the building is elevated, floodwaters were not high enough to reach the building's first floor. Floodwaters were limited to the crawlspace area underneath the building.", + "text": "The policyholder reported the loss to the insurer and the insurer assigned an adjuster to the claim. The adjuster inspected the property in July 2019. The insured building is located on a small island and is accessible only by boat. The adjuster measured a waterline of 24 inches on the exterior of the building. Because the building is elevated, floodwaters were not high enough to reach the building's first floor. Floodwaters were limited to the crawlspace area underneath the building." + }, + { + "self_ref": "#/texts/12", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "footnote", + "prov": [ + { + "page_no": 1, + "bbox": { + "l": 72.024, + "t": 116.59064000000001, + "r": 509.11, + "b": 106.94430545454543, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 107 + ] + } + ], + "orig": "1 See 44 C.F.R. \u00a7 61.13 (2018); Dwelling Form available at 44 C.F.R. pt. 61 App. A(1) [hereinafter 'SFIP'].", + "text": "1 See 44 C.F.R. \u00a7 61.13 (2018); Dwelling Form available at 44 C.F.R. pt. 61 App. A(1) [hereinafter 'SFIP']." + }, + { + "self_ref": "#/texts/13", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "footnote", + "prov": [ + { + "page_no": 1, + "bbox": { + "l": 72.024, + "t": 105.07064000000003, + "r": 530.9540400000006, + "b": 72.39071999999999, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 269 + ] + } + ], + "orig": "2 The policyholder's appeal and related documents concerning the appeal, claim, or policy are on file with FEMA, Federal Insurance and Mitigation Administration, Federal Insurance Directorate, Policyholder Services Division, Appeals Branch [hereinafter 'Appeal File'].", + "text": "2 The policyholder's appeal and related documents concerning the appeal, claim, or policy are on file with FEMA, Federal Insurance and Mitigation Administration, Federal Insurance Directorate, Policyholder Services Division, Appeals Branch [hereinafter 'Appeal File']." + }, + { + "self_ref": "#/texts/14", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 1, + "bbox": { + "l": 475.3, + "t": 58.554719999999975, + "r": 542.86, + "b": 49.04927999999995, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 12 + ] + } + ], + "orig": "1 | FEMA #B8", + "text": "1 | FEMA #B8" + }, + { + "self_ref": "#/texts/15", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 2, + "bbox": { + "l": 72.024, + "t": 717.31072, + "r": 535.288, + "b": 653.2052799999999, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 486 + ] + } + ], + "orig": "The building is located in a special flood hazard area (flood zone AE) and was constructed in 1989, after the date the local community entered the federal flood program in 1981. The first floor is elevated by piers. As such, the claim is subject to SFIP coverage limitations for post-FIRM (Flood Insurance Rate Map) elevated buildings. 3 The adjuster took the SFIP's coverage limitations for post-FIRM elevated buildings into account and estimated the cost for flood cleanup at $935.67.", + "text": "The building is located in a special flood hazard area (flood zone AE) and was constructed in 1989, after the date the local community entered the federal flood program in 1981. The first floor is elevated by piers. As such, the claim is subject to SFIP coverage limitations for post-FIRM (Flood Insurance Rate Map) elevated buildings. 3 The adjuster took the SFIP's coverage limitations for post-FIRM elevated buildings into account and estimated the cost for flood cleanup at $935.67." + }, + { + "self_ref": "#/texts/16", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 2, + "bbox": { + "l": 72.024, + "t": 635.35072, + "r": 536.3783199999996, + "b": 571.24528, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 491 + ] + } + ], + "orig": "Because of questions on the claim, the insurer retained an engineer to verify the condition of loss and the amount of flood-borne debris, sand, and stones deposited underneath the building. The same engineer inspected the building in 2018 after a previous flood event. The engineer determined that since the 2018 inspection, only a minor amount of flood-borne debris was deposited under the building. The engineer estimated this amount ranged from 12 to 15 cubic yards of stones and no sand.", + "text": "Because of questions on the claim, the insurer retained an engineer to verify the condition of loss and the amount of flood-borne debris, sand, and stones deposited underneath the building. The same engineer inspected the building in 2018 after a previous flood event. The engineer determined that since the 2018 inspection, only a minor amount of flood-borne debris was deposited under the building. The engineer estimated this amount ranged from 12 to 15 cubic yards of stones and no sand." + }, + { + "self_ref": "#/texts/17", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 2, + "bbox": { + "l": 72.024, + "t": 553.48072, + "r": 534.06688, + "b": 503.05528000000004, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 326 + ] + } + ], + "orig": "The insurer reviewed the policyholder's amended proof of loss totaling $182,552.00 and denied the policyholder's additional payment request. In a letter dated December 2019, the insurer denied coverage for flood-borne debris removal stating the stones that washed up under the insured building were not covered under the SFIP.", + "text": "The insurer reviewed the policyholder's amended proof of loss totaling $182,552.00 and denied the policyholder's additional payment request. In a letter dated December 2019, the insurer denied coverage for flood-borne debris removal stating the stones that washed up under the insured building were not covered under the SFIP." + }, + { + "self_ref": "#/texts/18", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 2, + "bbox": { + "l": 72.024, + "t": 485.20072, + "r": 532.2731199999998, + "b": 421.09528, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 503 + ] + } + ], + "orig": "The policyholder appeals the insurer's denial, stating the SFIP covers debris removal, including the removal of stones. The policyholder requests coverage for the cost to remove 12 to 15 cubic yards of stones as recommended by the insurer's engineer. In support of the appeal, the policyholder provides an estimate from a local service provider to remove the stones from underneath the building totaling $49,500.00 and a second estimate for transporting the removed stones by barge totaling $181,832.94.", + "text": "The policyholder appeals the insurer's denial, stating the SFIP covers debris removal, including the removal of stones. The policyholder requests coverage for the cost to remove 12 to 15 cubic yards of stones as recommended by the insurer's engineer. In support of the appeal, the policyholder provides an estimate from a local service provider to remove the stones from underneath the building totaling $49,500.00 and a second estimate for transporting the removed stones by barge totaling $181,832.94." + }, + { + "self_ref": "#/texts/19", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 2, + "bbox": { + "l": 72.024, + "t": 389.21799999999996, + "r": 112.97, + "b": 377.3536641221374, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 5 + ] + } + ], + "orig": "ISSUE", + "text": "ISSUE", + "level": 1 + }, + { + "self_ref": "#/texts/20", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 2, + "bbox": { + "l": 72.024, + "t": 358.82072, + "r": 517.6432, + "b": 335.75528, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 199 + ] + } + ], + "orig": "The policyholder appeals the insurer's denial of flood-borne debris removal and requests payment to remove stones that were washed in underneath their insured building during the subject flood event.", + "text": "The policyholder appeals the insurer's denial of flood-borne debris removal and requests payment to remove stones that were washed in underneath their insured building during the subject flood event." + }, + { + "self_ref": "#/texts/21", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 2, + "bbox": { + "l": 72.024, + "t": 301.35799999999995, + "r": 116.93, + "b": 289.4936641221374, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 5 + ] + } + ], + "orig": "RULES", + "text": "RULES", + "level": 1 + }, + { + "self_ref": "#/texts/22", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 2, + "bbox": { + "l": 72.024, + "t": 270.98072, + "r": 530.84416, + "b": 247.79528000000005, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 185 + ] + } + ], + "orig": "The insurer agrees to pay the policyholder for direct physical loss by or from flood to covered property, provided the policyholder complies with all terms and conditions of the SFIP. 4", + "text": "The insurer agrees to pay the policyholder for direct physical loss by or from flood to covered property, provided the policyholder complies with all terms and conditions of the SFIP. 4" + }, + { + "self_ref": "#/texts/23", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 2, + "bbox": { + "l": 72.024, + "t": 231.19327999999996, + "r": 502.3, + "b": 220.55528000000004, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 97 + ] + } + ], + "orig": "The SFIP covers the expense to remove non-owned flood debris that is on or in insured property. 5", + "text": "The SFIP covers the expense to remove non-owned flood debris that is on or in insured property. 5" + }, + { + "self_ref": "#/texts/24", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 2, + "bbox": { + "l": 72.024, + "t": 202.67072000000007, + "r": 539.2153599999998, + "b": 138.56528000000003, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 519 + ] + } + ], + "orig": "In case of a loss or request for payment, the SFIP requires the policyholder to submit directly to the insurer, a signed and sworn proof of loss with the documentation that supports their flood loss and the dollar amount requested. This proof of loss documentation packet should also include details of any other insurance that may cover the loss and other documents such as detailed repair estimates for the current loss, repair estimates and proof of repairs and price from previous flood losses and claim payments. 6", + "text": "In case of a loss or request for payment, the SFIP requires the policyholder to submit directly to the insurer, a signed and sworn proof of loss with the documentation that supports their flood loss and the dollar amount requested. This proof of loss documentation packet should also include details of any other insurance that may cover the loss and other documents such as detailed repair estimates for the current loss, repair estimates and proof of repairs and price from previous flood losses and claim payments. 6" + }, + { + "self_ref": "#/texts/25", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "footnote", + "prov": [ + { + "page_no": 2, + "bbox": { + "l": 72.024, + "t": 116.47064, + "r": 325.72, + "b": 106.82430545454542, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 66 + ] + } + ], + "orig": "3 See SFIP (II)(B)(14), (II)(B)(23), (II)(B)(26), and (III)(A)(8).", + "text": "3 See SFIP (II)(B)(14), (II)(B)(23), (II)(B)(26), and (III)(A)(8)." + }, + { + "self_ref": "#/texts/26", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "footnote", + "prov": [ + { + "page_no": 2, + "bbox": { + "l": 72.024, + "t": 105.07064000000003, + "r": 179.99, + "b": 95.42830545454547, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 28 + ] + } + ], + "orig": "4 See SFIP (I), (II)(B)(12).", + "text": "4 See SFIP (I), (II)(B)(12)." + }, + { + "self_ref": "#/texts/27", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "footnote", + "prov": [ + { + "page_no": 2, + "bbox": { + "l": 72.024, + "t": 93.55463999999995, + "r": 174.35000000000002, + "b": 83.90830545454548, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 26 + ] + } + ], + "orig": "5 See SFIP (III)(C)(1)(a).", + "text": "5 See SFIP (III)(C)(1)(a)." + }, + { + "self_ref": "#/texts/28", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "footnote", + "prov": [ + { + "page_no": 2, + "bbox": { + "l": 72.024, + "t": 82.03463999999997, + "r": 192.11, + "b": 72.38830545454539, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 30 + ] + } + ], + "orig": "6 See SFIP (VII)(J), (VII)(K).", + "text": "6 See SFIP (VII)(J), (VII)(K)." + }, + { + "self_ref": "#/texts/29", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 2, + "bbox": { + "l": 475.3, + "t": 58.554719999999975, + "r": 542.86, + "b": 49.04927999999995, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 12 + ] + } + ], + "orig": "2 | FEMA #B8", + "text": "2 | FEMA #B8" + }, + { + "self_ref": "#/texts/30", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 72.024, + "t": 716.848, + "r": 136.25, + "b": 704.9836641221374, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 8 + ] + } + ], + "orig": "ANALYSIS", + "text": "ANALYSIS", + "level": 1 + }, + { + "self_ref": "#/texts/31", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 72.024, + "t": 686.47072, + "r": 515.3048799999998, + "b": 663.40528, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 132 + ] + } + ], + "orig": "The policyholder appeals the denial of coverage for the cost to remove flood-borne stones deposited underneath the insured building.", + "text": "The policyholder appeals the denial of coverage for the cost to remove flood-borne stones deposited underneath the insured building." + }, + { + "self_ref": "#/texts/32", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 72.024, + "t": 645.55072, + "r": 538.6002399999999, + "b": 581.4452799999999, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 494 + ] + } + ], + "orig": "FEMA's review agrees with the policyholder that the SFIP covers the cost to remove flood-borne debris and cleanup of non-owned debris that is on or in the insured property. This scope of coverage may encompass the cost to remove flood-borne debris such as stones, sand, and plant-life that have washed up underneath the insured building's perimeter footprint. The SFIP excludes any additional cost related to a local community ordinance or code compliance order for the removal of any debris. 7", + "text": "FEMA's review agrees with the policyholder that the SFIP covers the cost to remove flood-borne debris and cleanup of non-owned debris that is on or in the insured property. This scope of coverage may encompass the cost to remove flood-borne debris such as stones, sand, and plant-life that have washed up underneath the insured building's perimeter footprint. The SFIP excludes any additional cost related to a local community ordinance or code compliance order for the removal of any debris. 7" + }, + { + "self_ref": "#/texts/33", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 72.024, + "t": 563.7107199999999, + "r": 539.2355199999998, + "b": 513.13528, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 378 + ] + } + ], + "orig": "The SFIP's scope of coverage for non-owned debris is limited to removal from the insured building. The covered scope of non-owned flood-borne debris is limited to the removal of flood-borne debris underneath the insured building to the area around the perimeter of the building. The SFIP does not cover the expense to dispose non-owned debris because it is not insured property.", + "text": "The SFIP's scope of coverage for non-owned debris is limited to removal from the insured building. The covered scope of non-owned flood-borne debris is limited to the removal of flood-borne debris underneath the insured building to the area around the perimeter of the building. The SFIP does not cover the expense to dispose non-owned debris because it is not insured property." + }, + { + "self_ref": "#/texts/34", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 72.024, + "t": 495.40072, + "r": 540.44368, + "b": 431.29528, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 491 + ] + } + ], + "orig": "The scope of coverage under the claim for non-owned debris is limited to the labor and equipment usage to remove the 12 to 15 cubic yards of stones. The labor cost should account for any exceptional condition present with working underneath the building within the crawlspace. The SFIP does not cover any increased cost to remove non-owned debris in the yard or to cart debris from the perimeter of the building into a barge, nor the expense for barge transportation, handling, and disposal.", + "text": "The scope of coverage under the claim for non-owned debris is limited to the labor and equipment usage to remove the 12 to 15 cubic yards of stones. The labor cost should account for any exceptional condition present with working underneath the building within the crawlspace. The SFIP does not cover any increased cost to remove non-owned debris in the yard or to cart debris from the perimeter of the building into a barge, nor the expense for barge transportation, handling, and disposal." + }, + { + "self_ref": "#/texts/35", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 72.024, + "t": 413.44072, + "r": 541.2809599999996, + "b": 308.39528, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 799 + ] + } + ], + "orig": "The policyholder's claim of July 2019, follows three flood claims filed on May 20, 2019, May 29, 2019, and June 11, 2019. The policyholder also reported losses subsequent to the subject flood event that occurred later in July 2019 and October 2019. In order to receive payment on the current and subsequent flood losses, the SFIP requires the policyholder to submit directly to the insurer, a signed and sworn proof of loss with the documentation that proves his loss and supports the dollar amount requested. This proof of loss documentation packet should include all related estimates to remove debris from underneath the insured building, plus estimates to remove debris from the yard. The packet should include proof of repairs and debris removal from the three previous flood claims filed 2019.", + "text": "The policyholder's claim of July 2019, follows three flood claims filed on May 20, 2019, May 29, 2019, and June 11, 2019. The policyholder also reported losses subsequent to the subject flood event that occurred later in July 2019 and October 2019. In order to receive payment on the current and subsequent flood losses, the SFIP requires the policyholder to submit directly to the insurer, a signed and sworn proof of loss with the documentation that proves his loss and supports the dollar amount requested. This proof of loss documentation packet should include all related estimates to remove debris from underneath the insured building, plus estimates to remove debris from the yard. The packet should include proof of repairs and debris removal from the three previous flood claims filed 2019." + }, + { + "self_ref": "#/texts/36", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 72.024, + "t": 290.66071999999997, + "r": 537.58, + "b": 212.87527999999998, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 610 + ] + } + ], + "orig": "Because of the large dollar amount presented by the policyholder's contractor, FEMA recommends the policyholder provide additional evidence the estimated dollar amount from its contractor is limited to the covered scope of work. The SFIP does not cover the cost to remove non-owned flood-borne debris from the yard and it does not cover the expense to ship non-owned flood-borne debris by barge for further handling and disposal. The SFIP covers pricing that is reasonable and customary to the loss and location. 8 This includes labor and equipment usage for removing of 12 to 15 cubic yards of stone material.", + "text": "Because of the large dollar amount presented by the policyholder's contractor, FEMA recommends the policyholder provide additional evidence the estimated dollar amount from its contractor is limited to the covered scope of work. The SFIP does not cover the cost to remove non-owned flood-borne debris from the yard and it does not cover the expense to ship non-owned flood-borne debris by barge for further handling and disposal. The SFIP covers pricing that is reasonable and customary to the loss and location. 8 This includes labor and equipment usage for removing of 12 to 15 cubic yards of stone material." + }, + { + "self_ref": "#/texts/37", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 72.024, + "t": 194.99072, + "r": 538.7536000000001, + "b": 144.56528000000003, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 346 + ] + } + ], + "orig": "The SFIP will cover reasonable additional labor costs customary for site conditions with working underneath the insured building. To ensure the validity of the contractor's quoted price of $3,564 per cubic yard with sales tax, the policyholder should provide the insurer with other debris removal estimates from one or more different contractors.", + "text": "The SFIP will cover reasonable additional labor costs customary for site conditions with working underneath the insured building. To ensure the validity of the contractor's quoted price of $3,564 per cubic yard with sales tax, the policyholder should provide the insurer with other debris removal estimates from one or more different contractors." + }, + { + "self_ref": "#/texts/38", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "footnote", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 72.024, + "t": 93.55463999999995, + "r": 161.03, + "b": 83.90830545454548, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 21 + ] + } + ], + "orig": "7 See SFIP (V)(A)(6).", + "text": "7 See SFIP (V)(A)(6)." + }, + { + "self_ref": "#/texts/39", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "footnote", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 72.024, + "t": 82.03463999999997, + "r": 481.27, + "b": 72.38830545454539, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 96 + ] + } + ], + "orig": "8 See National Flood Insurance Program Claims Manual- Section 2.5.2 Building Scope and Estimate.", + "text": "8 See National Flood Insurance Program Claims Manual- Section 2.5.2 Building Scope and Estimate." + }, + { + "self_ref": "#/texts/40", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 475.3, + "t": 58.554719999999975, + "r": 542.86, + "b": 49.04927999999995, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 12 + ] + } + ], + "orig": "3 | FEMA #B8", + "text": "3 | FEMA #B8" + }, + { + "self_ref": "#/texts/41", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 72.024, + "t": 717.31072, + "r": 542.59552, + "b": 625.84528, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 644 + ] + } + ], + "orig": "Based on previous claims, the policyholder has received payment(s) for similar losses as the subject flood claim. The policyholder should provide proof of repairs and price from the previous losses related to removing stones and debris from underneath the building, as well as the cost paid to remove the same from the yard, even though flood-borne debris removal in the yard is not covered under the SFIP. Because of the price per cubic yard quoted, the policyholder's proof of loss documentation packet should include evidence that the payment request is similarly priced to similar debris removal tasks paid for after the prior flood events.", + "text": "Based on previous claims, the policyholder has received payment(s) for similar losses as the subject flood claim. The policyholder should provide proof of repairs and price from the previous losses related to removing stones and debris from underneath the building, as well as the cost paid to remove the same from the yard, even though flood-borne debris removal in the yard is not covered under the SFIP. Because of the price per cubic yard quoted, the policyholder's proof of loss documentation packet should include evidence that the payment request is similarly priced to similar debris removal tasks paid for after the prior flood events." + }, + { + "self_ref": "#/texts/42", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 72.024, + "t": 593.968, + "r": 157.37, + "b": 582.1036641221374, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 10 + ] + } + ], + "orig": "CONCLUSION", + "text": "CONCLUSION", + "level": 1 + }, + { + "self_ref": "#/texts/43", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 72.024, + "t": 563.7107199999999, + "r": 540.28096, + "b": 485.89528, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 585 + ] + } + ], + "orig": "Based on the facts and analysis above, FEMA directs the insurer to cover and pay the cost to remove nonowned flood-borne debris from underneath the insured building to the perimeter of the building in the yard. In order to ensure against a payment overlap, the insurer should review the documentation in its file for the policyholder's previous claims with debris removal. Before issuing any additional payment for the subject July 2019 flood event, the insurer should verify that debris removal for the same area underneath the building was performed before the July 2019 flood event.", + "text": "Based on the facts and analysis above, FEMA directs the insurer to cover and pay the cost to remove nonowned flood-borne debris from underneath the insured building to the perimeter of the building in the yard. In order to ensure against a payment overlap, the insurer should review the documentation in its file for the policyholder's previous claims with debris removal. Before issuing any additional payment for the subject July 2019 flood event, the insurer should verify that debris removal for the same area underneath the building was performed before the July 2019 flood event." + }, + { + "self_ref": "#/texts/44", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 72.024, + "t": 468.04071999999996, + "r": 542.46208, + "b": 403.93528000000003, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 488 + ] + } + ], + "orig": "If the policyholder does not agree with the insurer's payment recommendation, he must prove his loss and send the insurer a signed and sworn proof of loss with the documentation that proves his loss and supports the dollar amount requested. This proof of loss packet should also include the documentation explained above. Any further adjustment of the claim remains under the direction of the insurer, based on the merits of their finding in accordance with all SFIP terms and conditions.", + "text": "If the policyholder does not agree with the insurer's payment recommendation, he must prove his loss and send the insurer a signed and sworn proof of loss with the documentation that proves his loss and supports the dollar amount requested. This proof of loss packet should also include the documentation explained above. Any further adjustment of the claim remains under the direction of the insurer, based on the merits of their finding in accordance with all SFIP terms and conditions." + }, + { + "self_ref": "#/texts/45", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 475.3, + "t": 58.554719999999975, + "r": 542.86, + "b": 49.04927999999995, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 12 + ] + } + ], + "orig": "4 | FEMA #B8", + "text": "4 | FEMA #B8" + } + ], + "pictures": [ + { + "self_ref": "#/pictures/0", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "picture", + "prov": [ + { + "page_no": 1, + "bbox": { + "l": 413.9941101074219, + "t": 752.6048812866211, + "r": 562.3366088867188, + "b": 699.749885559082, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 0 + ] + } + ], + "captions": [], + "references": [], + "footnotes": [], + "annotations": [] + } + ], + "tables": [], + "key_value_items": [], + "form_items": [], + "pages": { + "1": { + "size": { + "width": 612.0, + "height": 792.0 + }, + "page_no": 1 + }, + "2": { + "size": { + "width": 612.0, + "height": 792.0 + }, + "page_no": 2 + }, + "3": { + "size": { + "width": 612.0, + "height": 792.0 + }, + "page_no": 3 + }, + "4": { + "size": { + "width": 612.0, + "height": 792.0 + }, + "page_no": 4 + } + } + } + }, + "model": "docling" +} diff --git a/examples/insurance-claims-agent/verified-run/raw/claim-facts.json b/examples/insurance-claims-agent/verified-run/raw/claim-facts.json new file mode 100644 index 00000000..e98c27b9 --- /dev/null +++ b/examples/insurance-claims-agent/verified-run/raw/claim-facts.json @@ -0,0 +1,65 @@ +{ + "entities": [ + { + "text": "$935.67", + "label": "excluded debris cost", + "score": 0.80859375, + "start": 2491, + "end": 2498, + "bbox": null + }, + { + "text": "12 to 15 cubic yards", + "label": "debris volume", + "score": 0.97802734375, + "start": 2949, + "end": 2969, + "bbox": null + }, + { + "text": "$182,552.00", + "label": "proof of loss amount", + "score": 0.998046875, + "start": 3065, + "end": 3076, + "bbox": null + }, + { + "text": "$49,500.00", + "label": "debris removal estimate", + "score": 0.9775390625, + "start": 3726, + "end": 3736, + "bbox": null + }, + { + "text": "$181,832.94", + "label": "barge transportation estimate", + "score": 0.9951171875, + "start": 3813, + "end": 3824, + "bbox": null + }, + { + "text": "labor and equipment usage", + "label": "covered debris removal scope", + "score": 0.6630859375, + "start": 7859, + "end": 7884, + "bbox": null + }, + { + "text": "July 2019", + "label": "date of loss", + "score": 0.99658203125, + "start": 9635, + "end": 9644, + "bbox": null + } + ], + "relations": [], + "classifications": [], + "objects": [], + "id": "appeal-facts", + "model": "fastino/gliner2-large-v1" +} diff --git a/examples/insurance-claims-agent/verified-run/raw/policy-parse.json b/examples/insurance-claims-agent/verified-run/raw/policy-parse.json new file mode 100644 index 00000000..431e5d00 --- /dev/null +++ b/examples/insurance-claims-agent/verified-run/raw/policy-parse.json @@ -0,0 +1,21350 @@ +{ + "entities": [], + "relations": [], + "classifications": [], + "objects": [], + "id": "sfip-dwelling-policy", + "data": { + "text": "National Flood Insurance Program\n\nDwelling Form\n\nStandard Flood Insurance Policy\n\nF-122 / October 2021\n\nStandard Flood Insurance Policy\n\nDwelling Form\n\nPlease read the policy carefully. The flood insurance provided is subject to limitations, restrictions, and exclusions.\n\nI. AGREEMENT\n\n- A. This policy insures the following types of property only:\n1. A one to four family residential building, not under a condominium form of ownership;\n- E. This policy insures only one building. If you own more than one building, coverage will apply to the single building specifically described in the Flood Insurance Application.\n2. A single-family dwelling unit in a condominium building; and\n3. Personal property in a building.\n- B. The Federal Emergency Management Agency (FEMA) provides flood insurance under the terms of the National Flood Insurance Act of 1968 and its amendments, and Title 44 of the Code of Federal Regulations.\n- C. We will pay you for direct physical loss by or from flood to your insured property if you:\n1. Have paid the full amount due (including applicable premiums, surcharges, and fees);\n2. Comply with all terms and conditions of this policy; and\n3. Have furnished accurate information and statements.\n- D. We have the right to review the information you give us at any time and revise your policy based on our review.\n- F. Subject to the exception in I.G below, multiple policies with building coverage cannot be issued to insure a single building to one insured or to different insureds, even if separate policies were issued through different NFIP insurers. Payment for damages may only be made under a single policy for building damages under Coverage ABuilding Property.\n- G. A Dwelling Form policy with building coverage may be issued to a unit owner in a condominium building that is also insured under a Residential Condominium\n\nBuilding Association Policy (RCBAP). However, no more than $250,000 may be paid in combined benefits for a single unit under the Dwelling Form policy and the RCBAP. We will only pay for damage once. Items of damage paid for under an RCBAP cannot also be claimed under the Dwelling Form policy.\n\nII. DEFINITIONS\n\nA. In this policy, 'you' and 'your' refer to the named insured(s) shown on the Declarations Page of this policy and the spouse of the named insured, if a resident of the same household. Insured(s) also includes: Any mortgagee and loss payee named in the Application and Declarations Page, as well as any other mortgagee or loss payee determined to exist at the time of loss, in the order of precedence. 'We,' 'us,' and 'our' refer to the insurer.\n\nSome definitions are complex because they are provided as they appear in the law or regulations, or result from court cases.\n\n- B. Flood , as used in this flood insurance policy, means:\n1. A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (one of which is your property) from:\n- a. Overflow of inland or tidal waters;\n- b. Unusual and rapid accumulation or runoff of surface waters from any source;\n- c. Mudflow.\n2. Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion\n\nor undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined in B.1.a above.\n\nC. The following are the other key definitions we use in this policy:\n\n1. Act. The National Flood Insurance Act of 1968 and any amendments to it.\n2. Actual Cash Value. The cost to replace an insured item of property at the time of loss, less the value of its physical depreciation.\n3. Application. The statement made and signed by you or your agent in applying for this policy. The application gives information we use to determine the eligibility of the risk, the kind of policy to be issued, and the correct premium payment. The application is part of this flood insurance policy.\n4. Base Flood. A flood having a one percent chance of being equaled or exceeded in any given year.\n5. Basement. Any area of a building, including any sunken room or sunken portion of a room, having its floor below ground level on all sides.\n6. Building\n- a. A structure with two or more outside rigid walls and a fully secured roof that is affixed to a permanent site;\n- b. A manufactured home, also known as a mobile home, is a structure: built on a permanent chassis, transported to its site in one or more sections, and affixed to a permanent foundation; or\n- c. A travel trailer without wheels, built on a chassis and affixed to a permanent foundation, that is regulated under the community's floodplain management and building ordinances or laws.\n\nBuilding does not mean a gas or liquid storage tank, shipping container, or a recreational vehicle, park trailer, or other similar vehicle, except as described in C.6.c above.\n\n7. Cancellation. The ending of the insurance coverage provided by this policy before the expiration date.\n8. Condominium. That form of ownership of one or more buildings in which each unit owner has an undivided interest in common elements.\n9. Condominium Association. The entity made up of the unit owners responsible for the maintenance and operation of:\n- a. Common elements owned in undivided shares by unit owners; and\n- b. Other buildings in which the unit owners have use rights; where membership in the entity is a required condition of ownership.\n10. Condominium Building. A type of building for which the form of ownership is one in which each unit owner has an undivided interest in common elements of the building.\n11. Declarations Page. A computer-generated summary of information you provided in your application for insurance. The Declarations Page also describes the term of the policy, limits of coverage, and displays the premium and our name. The Declarations Page is a part of this flood insurance policy.\n12. Deductible. The amount of an insured loss that is your responsibility and that is incurred by you before any amounts are paid for the insured loss under this policy.\n13. Described Location. The location where the insured building(s) or personal property are found. The described location is shown on the Declarations Page.\n14. D irect Physical Loss By or From Flood. Loss or damage to insured property, directly caused by a flood. There must be evidence of physical changes to the property.\n15. Dwelling. A building designed for use as a residence for no more than four families or a single-family unit in a condominium building.\n16. Elevated Building. A building that has no basement and that has its lowest elevated floor raised above ground level by foundation walls, shear walls, posts, piers, pilings, or columns.\n17. Emergency Program. The initial phase of a community's participation in the National Flood Insurance Program. During this phase, only limited amounts of insurance are available under the Act and the regulations prescribed pursuant to the Act.\n18. Federal Policy Fee. A flat rate charge you must pay on each new or renewal policy to defray certain administrative expenses incurred in carrying out the National Flood Insurance Program.\n19. Improvements. Fixtures, alterations, installations, or additions comprising a part of the dwelling or apartment in which you reside.\n20. Mudflow. A river of liquid and flowing mud on the surface of normally dry land areas, as when earth is carried by a current of water. Other earth movements, such as landslide, slope failure, or\n\na saturated soil mass moving by liquidity down a slope, are not mudflows.\n\n21. National Flood Insurance Program (NFIP). The program of flood insurance coverage and floodplain management administered under the Act and applicable Federal regulations in Title 44 of the Code of Federal Regulations, Subchapter B.\n22. Policy. The entire written contract between you and us. It includes:\n- a. This printed form;\n- b. The application and Declarations Page;\n- c. Any endorsement(s) that may be issued; and\n- d. Any renewal certificate indicating that coverage has been instituted for a new policy and new policy term. Only one dwelling, which you specifically described in the application, may be insured under this policy.\n23. Pollutants. Substances that include, but are not limited to, any solid, liquid, gaseous, or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste. 'Waste' includes, but is not limited to, materials to be recycled, reconditioned, or reclaimed.\n24. Post-FIRM Building. A building for which construction or substantial improvement occurred after December 31, 1974, or on or after the effective date of an initial Flood Insurance Rate Map (FIRM), whichever is later.\n- a. The 365 days immediately preceding the time of loss; or\n- b. The period of ownership of you or your spouse, if either you or your spouse owned the dwelling for less than 365 days immediately preceding the time of loss.\n26. Probation Surcharge. A flat charge you must pay on each new or renewal policy issued covering property in a community the NFIP has placed on probation under the provisions of 44 CFR 59.24.\n27. Regular Program. The final phase of a community's participation in the National Flood Insurance Program. In this phase, a Flood Insurance Rate Map is in effect and full limits of coverage are available under the Act and the regulations prescribed pursuant to the Act.\n28. Special Flood Hazard Area (SFHA). An area having special flood or mudflow, and/or flood-related erosion hazards, and shown on a Flood Hazard Boundary Map or Flood Insurance Rate Map as Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/ AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, VE, or V.\n29. Unit. A single-family residential space you own in a condominium building.\n30. Valued Policy. A policy in which the insured and the insurer agree on the value of the property insured, that value being payable in the event of a total loss. The Standard Flood Insurance Policy is not a valued policy.\n25. Principal Residence. The dwelling in which you or your spouse have lived for at least 80 percent of:\n\nIII. PROPERTY INSURED\n\nare always considered part of the dwelling and cannot be separately insured.\n\n- A detached garage at the described location. Coverage is limited to no more than 10 percent of the limit of liability on the dwelling. Use of this insurance is at your option but reduces the building limit of liability. We do not cover any detached garage used or held for use for residential (i.e., dwelling), business, or farming purposes.\n\nA. Coverage A-Building Property\n\nWe insure against direct physical loss by or from flood to:\n\n1. The dwelling at the described location, or for a period of 45 days at another location as set forth in III.C.2.b, Property Removed to Safety.\n2. Additions and extensions attached to and in contact with the dwelling by means of a rigid exterior wall, a solid load-bearing interior wall, a stairway, an elevated walkway, or a roof. At your option, additions and extensions connected by any of these methods may be separately insured. Additions and extensions attached to and in contact with the building by means of a common interior wall that is not a solid load-bearing wall\n3. 3.\n\n4. Materials and supplies to be used for construction, alteration, or repair of the dwelling or a detached garage while the materials and supplies are stored in a fully enclosed building at the described location or on an adjacent property.\n5. A building under construction, alteration, or repair at the described location.\n- a. If the structure is not yet walled or roofed as described in the definition for building (see II.C.6.a) then coverage applies:\n- (1) Only while such work is in progress; or\n- (2) If such work is halted, only for a period of up to 90 continuous days thereafter.\n- b. However, coverage does not apply until the building is walled and roofed if the lowest floor, including the basement floor, of a non-elevated building or the lowest elevated floor of an elevated building is:\n- (1) Below the base flood elevation in Zones AH, AE, A1-A30, AR, AR/AE, AR/ AH, AR/A1-A30, AR/A, AR/AO; or\n- (2) Below the base flood elevation adjusted to include the effect of wave action in Zones VE or V1-V30.\n\nThe lowest floor level is based on the bottom of the lowest horizontal structural member of the floor in Zones VE or V1-V30 or the top of the floor in Zones AH, AE, A1-A30, AR, AR/AE, AR/AH, AR/ A1-A30, AR/A, and AR/AO.\n\n6. A manufactured home or a travel trailer, as described in the II.C.6. If the manufactured home or travel trailer is in a special flood hazard area, it must be anchored in the following manner at the time of the loss:\n- a. By over-the-top or frame ties to ground anchors; or\n- b. In accordance with the manufacturer's specifications; or\n- c. In compliance with the community's floodplain management requirements unless it has been continuously insured by the NFIP at the same described location since September 30, 1982.\n7. The following items of property which are insured under Coverage A only:\n- a. Awnings and canopies;\n- b. Blinds;\n- c. Built-in dishwashers;\n- d. Built-in microwave ovens;\n- e. Carpet permanently installed over unfinished flooring;\n- f. Central air conditioners;\n- g. Elevator equipment;\n- h. Fire sprinkler systems;\n- i. Walk-in freezers;\n- j. Furnaces and radiators;\n- k. Garbage disposal units;\n- l. Hot water heaters, including solar water heaters;\n- m. Light fixtures;\n- n. Outdoor antennas and aerials fastened to buildings;\n- o. Permanently installed cupboards, bookcases, cabinets, paneling, and wallpaper;\n- p. Plumbing fixtures;\n- q. Pumps and machinery for operating pumps;\n- r. Ranges, cooking stoves, and ovens;\n- s. Refrigerators; and\n- t. Wall mirrors, permanently installed.\n8. Items of property below the lowest elevated floor of an elevated postFIRM building located in Zones\n\nA1-A30, AE, AH, AR, AR/A, AR/ AE, AR/AH, AR/A1-A30, V1-V30, or VE, or in a basement regardless of the zone. Coverage is limited to the following:\n\n- a. Any of the following items, if installed in their functioning locations and, if necessary for operation, connected to a power source:\n- (1) Central air conditioners;\n- (2) Cisterns and the water in them;\n- (3) Drywall for walls and ceilings in a basement and the cost of labor to nail it, unfinished and unfloated and not taped, to the framing;\n- (4) Electrical junction and circuit breaker boxes;\n- (5) Electrical outlets and switches;\n- (6) Elevators, dumbwaiters and related equipment, except for related equipment installed below the base flood elevation after September 30, 1987;\n- (7) Fuel tanks and the fuel in them;\n- (8) Furnaces and hot water heaters;\n- (9) Heat pumps;\n- (10) Nonflammable insulation in a basement;\n- (11) Pumps and tanks used in solar energy systems;\n- (12) Stairways and staircases attached to the building, not separated from it by elevated walkways;\n- (13) Sump pumps;\n- (14) Water softeners and the chemicals in them, water filters, and faucets installed as an integral part of the plumbing system;\n- (15) Well water tanks and pumps;\n- (16) Required utility connections for any item in this list; and\n- (17) Footings, foundations, posts, pilings, piers, or other foundation walls and anchorage systems required to support a building.\n- b. Clean-up.\n\nB. Coverage B-Personal Property\n\n1. If you have purchased personal property coverage, we insure against direct physical loss by or from flood to personal property inside a building at the described location, if:\n- a. The property is owned by you or your household family members; and\n- b. At your option, the property is owned by guests or servants.\n2. Personal property is also insured for a period of 45 days at another location as set forth in III.C.2.b, Property Removed to Safety.\n3. Personal property in a building that is not fully enclosed must be secured to prevent flotation out of the building. If the personal property does float out during a flood, it will be conclusively presumed that it was not reasonably secured. In that case, there is no coverage for such property.\n4. Coverage for personal property includes the following property, subject to B.1 above, which is insured under Coverage B only:\n- a. Air conditioning units, portable or window type;\n- b. Carpets, not permanently installed, over unfinished flooring;\n- c. Carpets over finished flooring;\n- d. Clothes washers and dryers;\n- e. 'Cook-out' grills;\n- f. Food freezers, other than walk-in, and food in any freezer; and\n- g. Portable microwave ovens and portable dishwashers.\n\n5. Coverage for items of property below the lowest elevated floor of an elevated post-FIRM building located in Zones A1-A30, AE, AH, AR, AR/A, AR/AE, AR/AH, AR/ A1-A30, V1-V30, or VE, or in a basement regardless of the zone, is limited to the following items, if installed in their functioning locations and, if necessary for oper ation, connected to a power source:\n\n- a. Air conditioning units, portable or window type;\n- b. Clothes washers and dryers; and\n- c. Food freezers, other than walk-in, and food in any freezer.\n6. If you are a tenant and have insured personal property under Coverage B in this policy, we will cover such property, including your cooking stove or range and refrigerator. The policy will also cover improvements made or acquired solely at your expense in the dwelling or apartment in which you reside, but for not more than 10 percent of the limit of liability shown for personal property on the Declarations Page. Use of this insurance is at your option but reduces the personal property limit of liability.\n7. If you are the owner of a unit and have insured personal property under Coverage B in this policy, we will also cover your interior walls, floor, and ceiling (not otherwise insured under a flood insurance policy purchased by your condominium association) for not more than 10 percent of the limit of liability shown for personal property on the Declarations Page. Use of this insurance is at your option but reduces the personal property limit of liability.\n8. Special Limits. We will pay no more than $2,500 for any one loss to one or more of the following kinds of personal property:\n- a. Artwork, photographs, collectibles, or memorabilia, including but not limited to, porcelain or other figures, and sports cards;\n- b. Rare books or autographed items;\n- c. Jewelry, watches, precious and semi-precious stones, or articles of gold, silver, or platinum;\n- d. Furs or any article containing fur that represents its principal value; or\n- e. Personal property used in any business.\n\n9. We will pay only for the functional value of antiques.\n\nC. Coverage C-Other Coverages\n\n1. Debris Removal\n- a. We will pay the expense to remove non-owned debris that is on or in insured property and debris of insured property anywhere.\n- b. If you or a member of your household perform the removal work, the value of your work will be based on the Federal minimum wage.\n- c. This coverage does not increase the Coverage A or Coverage B limit of liability.\n2. Loss Avoidance Measures\n- a. Sandbags, Supplies, and Labor\n- (1) We will pay up to $1,000 for costs you incur to protect the insured building from a flood or imminent danger of flood, for the following:\n8. (a) Your reasonable expenses to buy:\n9. (i) Sandbags, including sand to fill them;\n10. (ii) Fill for temporary levees;\n11. (iii) Pumps; and\n12. (iv) Plastic sheeting and lumber used in connection with these items.\n13. (b) The value of work, at the Federal minimum wage, that you or a member of your house-hold perform.\n- (2) This coverage for Sandbags, Supplies, and Labor only applies if damage to insured property by or from flood is imminent and the threat of flood damage is apparent enough to lead a person of common prudence to anticipate flood damage. One of the following must also occur:\n15. (a) A general and temporary condition of flooding in the area near the described\n\nlocation must occur, even if the flood does not reach the building; or\n\n- (b) A legally authorized official must issue an evacuation order or other civil order for the community in which the building is located calling for measures to preserve life and property from the peril of flood.\n\nThis coverage does not increase the Coverage A or Coverage B limit of liability.\n\n- b. Property Removed to Safety\n- (1) We will pay up to $1,000 for the reasonable expenses you incur to move insured property to a place other than the described location that contains the property in order to protect it from flood or the imminent danger of flood. Reasonable expenses include the value of work, at the Federal minimum wage, you or a member of your household perform.\n- (2) If you move insured property to a location other than the described location that contains the property in order to protect it from flood or the imminent danger of flood, we will cover such property while at that location for a period of 45 consecutive days from the date you begin to move it there. The personal property that is moved must be placed in a fully enclosed building or otherwise reasonably protected from the elements.\n- (3) Any property removed, including a moveable home described in II.6.b and c, must be placed above ground level or outside of the special flood hazard area.\n- (4) This coverage does not increase the Coverage A or Coverage B limit of liability.\n3. Condominium Loss Assessments\n- a. Subject to III.C.3.b below, if this policy insures a condominium unit, we will pay, up to the Coverage A limit of liability, your share of loss assessments charged against you by the condominium association in accordance with the condominium association's articles of association, declarations and your deed. The assessment must be made because of direct physical loss by or from flood during the policy term, to the unit or to the common elements of the NFIP insured condominium building in which this unit is located.\n- b. We will not pay any loss assessment:\n- (1) Charged against you and the condominium association by any governmental body;\n- (2) That results from a deductible under the insurance purchased by the condominium association insuring common elements;\n- (3) That results from a loss to personal property, including contents of a condomin ium building;\n\n(4) In which the total payment combined under all policies exceeds the maximum amount of coverage available under the Act for a single unit in a condominium building where the unit is insured under both a Dwelling Policy and a RCBAP; or\n\n- (5) On any item of damage that has already been paid under a RCBAP where a single unit in a condominium building is insured by both a Dwelling Policy and a RCBAP.\n- c. Condominium Loss Assessment coverage does not increase the Coverage A Limit of Liability and is subject to the maximum coverage limits available for a single-family dwelling under the Act, payable between all\n\npolicies issued and covering the unit, under the Act.\n\nD. Coverage D-Increased Cost of Compliance\n\n1. General\n\nThis policy pays you to comply with a State or local floodplain management law or ordinance affecting repair or reconstruction of a building suffering flood damage. Compliance activities eligible for payment are: elevation, floodproofing, relocation, or demolition (or any combination of these activities) of your building. Eligible floodproofing activities are limited to:\n\n- a. Non-residential buildings.\n- b. Residential buildings with basements that satisfy FEMA's standards published in the Code of Federal Regulations [44 CFR 60.6(b) or (c)].\n\n2. Limit of Liability\n\nWe will pay you up to $30,000 under this Coverage D-Increased Cost of Compliance, which only applies to policies with building coverage (Coverage A). Our payment of claims under Coverage D is in addition to the amount of coverage which you selected on the application and which appears on the Declarations Page. But the maximum you can collect under this policy for both Coverage A-Building Property and Coverage D-Increased Cost of Compliance cannot exceed the maximum permitted under the Act. We do not charge a separate deductible for a claim under Coverage D.\n\n3. Eligibility\n\n- a. A building insured under Coverage ABuilding Property sustaining a loss caused by a flood as defined by this policy must:\n- (1) Be a 'repetitive loss building.' A repetitive loss building is one that meets the following conditions:\n3. (a) The building is insured by a contract of flood insurance issued under the NFIP.\n4. (b) The building has suffered flood damage on two occasions during a 10-year period which ends on the date of the second loss.\n5. (c) The cost to repair the flood damage, on average, equaled or exceeded 25 percent of the market value of the building at the time of each flood loss.\n6. (d) In addition to the current claim, the NFIP must have paid the previous qualifying claim, and the State or community must have a cumulative, substantial damage provision or repetitive loss provision in its floodplain management law or ordinance being enforced against the building; or\n- (2) Be a building that has had flood damage in which the cost to repair equals or exceeds 50 percent of the market value of the building at the time of the flood. The State or community must have a substantial damage provision in its floodplain management law or ordinance being enforced against the building.\n- b. This Coverage D pays you to comply with State or local floodplain management laws or ordinances that meet the minimum standards of the National Flood Insurance Program found in the Code of Federal Regulations at 44 CFR 60.3. We pay for compliance activities that exceed those standards under these conditions:\n- (1) 3.a.1 above.\n- (2) Elevation or floodproofing in any risk zone to preliminary or advisory base flood elevations provided by FEMA which the State or local government has adopted and is enforcing for flooddamaged buildings in such areas. (This includes compliance activities in B, C, X, or D zones which are being changed to zones with base flood elevations. This also includes compliance activities in zones where base flood elevations are being increased, and a flood-damaged building must comply with the higher advisory base flood elevation.) Increased Cost of Compliance coverage does not apply to situations in B, C, X, or D zones where the community has derived its own elevations and is enforcing elevation or floodproofing requirements for flooddamaged buildings to elevations derived solely by the community.\n- (3) Elevation or floodproofing above the base flood elevation to meet State or local 'free-board' requirements, i.e., that a building must be elevated above the base flood elevation.\n\n- c. Under the minimum NFIP criteria at 44 CFR 60.3(b)(4), States and communities must require the elevation or floodproofing of buildings in unnumbered A zones to the base flood elevation where elevation data is obtained from a Federal, State, or other source. Such compliance activities are eligible for Coverage D.\n- d. Coverage D will pay for the incremental cost, after demolition or relocation, of elevating or floodproofing a building during its rebuilding at the same or another site to meet State or local floodplain management laws or ordinances, subject to Coverage D Exclusion 5.g below.\n- e. Coverage D will pay to bring a flood-damaged building into compliance with State or local floodplain management laws or ordinances even if the building had received a variance before the present loss from the applicable floodplain management requirements.\n\n4. Conditions\n\n- a. When a building insured under Coverage A-Building Property sustains a loss caused by a flood, our payment for the loss under this Coverage D will be for the increased cost to elevate, floodproof, relocate, or demolish (or any combination of these activities) caused by the enforcement of current State or local floodplain management ordinances or laws. Our payment for eligible demolition activities will be for the cost to demolish and clear the site of the building debris or a portion thereof caused by the enforcement of current State or local floodplain management\n\nordinances or laws. Eligible activities for the cost of clearing the site will include those necessary to discontinue utility service to the site and ensure proper abandonment of on-site utilities.\n\n- b. When the building is repaired or rebuilt, it must be intended for the same occupancy as the present building unless otherwise required by current floodplain management ordinances or laws.\n\n5. Exclusions\n\nUnder this Coverage D (Increased Cost of Compliance), we will not pay for:\n\n- a. The cost to comply with any flood plain management law or ordinance in communities participating in the Emergency Program.\n- b. The cost associated with enforcement of any ordinance or law that requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of pollutants.\n- c. The loss in value to any insured building due to the\n\n- requirements of any ordinance or law.\n- d. The loss in residual value of the undamaged portion of a building demolished as a consequence of enforcement of any State or local flood plain management law or ordinance.\n- e. Any Increased Cost of Compliance under this Coverage D:\n- (1) Until the building is elevated, floodproofed, demolished, or relocated on the same or to another premises; and\n- (2) Unless the building is elevated, floodproofed, demolished, or relocated as soon as reasonably possible after the loss, not to exceed two years.\n- f. Any code upgrade requirements, e.g., plumbing or electrical wiring, not specifically related to the State or local floodplain management law or ordinance.\n- g. Any compliance activities needed to bring additions or improvements made after the loss occurred into compliance with State or local flood plain management laws or ordinances.\n- h. Loss due to any ordinance or law that you were required to comply with before the current loss.\n- i. Any rebuilding activity to standards that do not meet the NFIP's minimum requirements. This includes any situation where the insured has received from the State or community a variance in connection with the current flood loss to rebuild the property to an elevation below the base flood elevation.\n- j. Increased Cost of Compliance for a garage or carport.\n- k. Any building insured under an NFIP Group Flood Insurance Policy.\n- l. Assessments made by a condo minium association on individual condominium unit owners to pay increased costs of repairing commonly owned buildings after a flood in compliance with State or local floodplain management ordinances or laws.\n6. Other Provisions\n- a. Increased Cost of Compliance coverage will not be included in the calculation to determine whether coverage meets the 80 percent insurance-to-value requirement for replacement cost coverage as set forth in Art. VII.R ('Loss Settlement') of this policy.\n- b. All other conditions and provisions of this policy apply.\n\nWe do not insure any of the following:\n\n1. Personal property not inside a building.\n2. A building, and personal property in it, located entirely in, on, or over water or seaward of mean high tide if it was constructed or substantially improved after September 30, 1982.\n3. Open structures, including a building used as a boathouse or any structure or building into which boats are floated, and personal property located in, on, or over water.\n4. Recreational vehicles other than travel trailers described in the Definitions section (see II.C.6.c) whether affixed to a permanent foundation or on wheels.\n5. Self-propelled vehicles or machines, including their parts and equipment. However, we do cover self-propelled vehicles or machines not licensed for use on public roads that are:\n- a. Used mainly to service the described location; or\n- b. Designed and used to assist handicapped persons, while the vehicles or machines\n8. are inside a building at the described location.\n6. Land, land values, lawns, trees, shrubs, plants, growing crops, or animals.\n7. Accounts, bills, coins, currency, deeds, evidences of debt, medals, money, scrip, stored value cards, postage stamps, securities, bullion, manuscripts, or other valuable papers.\n8. Underground structures and equip ment, including wells, septic tanks, and septic systems.\n9. Those portions of walks, walkways, decks, driveways, patios and other surfaces, all whether protected by a roof or not, located outside the perimeter, exterior walls of the insured building or the building in which the insured unit is located.\n10. Containers, including related equipment, such as, but not limited to, tanks containing gases or liquids.\n11. Buildings or units and all their contents if more than 49 percent of the actual cash value of the building is below ground, unless the lowest level is at or above the base flood elevation and is below\n\n- ground by reason of earth having been used as insulation material in conjunction with energy efficient building techniques.\n12. Fences, retaining walls, seawalls, bulkheads, wharves, piers, bridges, and docks.\n13. Aircraft or watercraft, or their furnishings and equipment.\n\nfilters, pumps, and pipes, wherever located.\n\n15. Property not eligible for flood insurance pursuant to the provisions of the Coastal Barrier Resources Act and the Coastal Barrier Improvement Act and amendments to these acts.\n14. Hot tubs and spas that are not bathroom fixtures, and swimming pools, and their equipment, such as, but not limited to, heaters,\n16. Personal property you own in common with other unit owners comprising the membership of a condominium association.\n\nV. EXCLUSIONS\n\nA. We only pay for direct physical loss by or from flood, which means that we do not pay you for:\n\n1. Loss of revenue or profits;\n2. Loss of access to the insured property or described location;\n3. Loss of use of the insured property or described location;\n4. Loss from interruption of business or production;\n5. Any additional living expenses incurred while the insured building is being repaired or is unable to be occupied for any reason;\n6. The cost of complying with any ordinance or law requiring or\n\nregulating the construction, demolition, remodeling, renovation, or repair of property, including removal of any resulting debris. This exclusion does not apply to any eligible activities we describe in Coverage D-Increased Cost of Compliance; or\n\n7. Any other economic loss you suffer.\n\nB. Flood in Progress. If this policy became effective as of the time of a loan closing, as provided by 44 CFR 61.11(b), we will not pay for a loss caused by a flood that is a continuation of a flood that existed prior to coverage becoming effective.\n\nIn all other circumstances, we will not pay for a loss caused by a flood that is a continuation of a flood that existed on or before the day you submitted the application for coverage under this policy and the full amount due. We will determine the date of application using 44 CFR 61.11(f).\n\nC. We do not insure for loss to property caused directly by earth movement even if the earth movement is caused by flood. Some examples of earth movement that we do not cover are:\n\n1. Earthquake;\n2. Landslide;\n3. Land subsidence;\n4. Sinkholes;\n5. Destabilization or movement of land that results from accumulation of water in subsurface land area; or\n6. Gradual erosion.\n\nWe do, however, pay for losses from mudflow and land subsidence as a result of erosion that are specifically insured under our definition of flood (see II.B.1.c and II.B.2).\n\nD. We do not insure for direct physical loss caused directly or indirectly by any of the following:\n\n1. The pressure or weight of ice;\n2. Freezing or thawing;\n3. Rain, snow, sleet, hail, or water spray;\n4. Water, moisture, mildew, or mold damage that results primarily from any condition:\n- a. Substantially confined to the dwelling; or\n- b. That is within your control, including but not limited to:\n- (1) Design, structural, or mechanical defects;\n- (2) Failure, stoppage, or breakage of water or sewer lines, drains, pumps, fixtures, or equipment; or\n- (3) Failure to inspect and maintain the property after a flood recedes;\n5. Water or water-borne material that:\n- a. Backs up through sewers or drains;\n- b. Discharges or overflows from a sump, sump pump, or related equipment; or\n- c. Seeps or leaks on or through the insured property;\n\nunless there is a flood in the area and the flood is the proximate cause of the sewer or drain backup, sump pump discharge or overflow, or the seepage of water;\n\n6. The pressure or weight of water unless there is a flood in the area and the flood is the proximate cause of the damage from the pressure or weight of water;\n7. Power, heating, or cooling failure unless the failure results from direct physical loss by or from flood to power, heating, or cooling equipment on the described location;\n8. Theft, fire, explosion, wind, or windstorm;\n9. Anything you or any member of your household do or conspire\n\nto do to deliberately cause loss by flood; or\n\n10. Alteration of the insured property that significantly increases the risk of flooding.\n\nE. We do not insure for loss to any building or personal property located on land leased from the Federal Government, arising from or incident to the flooding of the land by the Federal Government, where the lease expressly holds the Federal Government harmless under flood insurance issued under any Federal Government program.\n\nF. We do not pay for the testing for or monitoring of pollutants unless required by law or ordinance.\n\nVI. DEDUCTIBLES\n\nA. When a loss is insured under this policy, we will pay only that part of the loss that exceeds your deductible amount, subject to the limit of liability that applies. The deductible amount is shown on the Declarations Page.\n\nB. In each loss from flood, separate deductibles apply to the building and personal property insured by this policy.\n\n- C. The deductible does NOT apply to:\n1. III.C.2. Loss Avoidance Measures;\n2. III.C.3. Condominium Loss Assessments; or\n3. III.D. Increased Cost of Compliance.\n\nHowever, when a building under construction, alteration, or repair does not have at least two rigid exterior walls and a fully secured roof at the time of loss, your deductible amount will be two times the deductible that would otherwise apply to a completed building.\n\nA. Pair and Set Clause\n\nIn case of loss to an article that is part of a pair or set, we will have the option of paying you:\n\n1. An amount equal to the cost of replacing the lost, damaged, or destroyed article, minus its depreciation; or\n2. The amount that represents the fair proportion of the total value of the pair or set that the lost, damaged, or destroyed article bears to the pair or set.\n\nB. Other Insurance\n\n1. If a loss insured by this policy is also insured by other insurance that includes flood coverage not issued under the Act, we will not pay more than the amount of insurance you are entitled to for lost, damaged, or destroyed property insured under this policy subject to the following:\n- a. We will pay only the proportion of the loss that the amount of insurance that applies under this policy bears to the total amount of insurance covering the loss, unless VII.B.1.b or c immediately below applies.\n- b. If the other policy has a provision stating that it is excess insurance, this policy will be primary.\n- c. This policy will be primary (but subject to its own deductible)\n\nup to the deductible in the other flood policy (except another policy as described in VII.B.1.b above). When the other deductible amount is reached, this policy will participate in the same proportion that the amount of insurance under this policy bears to the total amount of both policies, for the remainder of the loss.\n\n2. If there is other insurance issued under the Act in the name of your condominium association covering the same property insured by this policy, then this policy will be in excess over the other insurance, except where a condominium loss assessment to the unit owner results from a loss sustained by the condominium association that was not reimbursed under a flood insurance policy written in the name of the association under the Act because the building was not, at the time of loss, insured for an amount equal to the lesser of:\n- a. 80 percent or more of its full replacement cost; or\n\n- b. The maximum amount of insurance permitted under the Act.\n3. The combined coverage payment under the other NFIP insurance and this policy cannot exceed the maximum coverage available under the Act, of $250,000 per single unit.\n\nC. Amendments, Waivers, Assignment\n\nThis policy cannot be changed, nor can any of its provisions be waived, without the express written consent of the Federal Insurance Administrator. No action we take under the terms of this policy constitutes a waiver of any of our rights. You may assign this policy in writing when you transfer title of your property to someone else except under these conditions:\n\n- a. When this policy insures only personal property; or\n- b. When this policy insures a building under construction.\n- D. Insufficient Premium or Rating Information\n1. Applicability. The following provisions apply to all instances where the premium paid on this policy is insufficient or where the rating information is insufficient, such as where an Elevation Certificate is not provided.\n2. Reforming the Policy with Re\u00ad duced Coverage. Except as otherwise provided in VII.D.1, if the premium we received from you was not sufficient to buy the kinds and amounts of coverage you requested, we will provide only the kinds and\n\namounts of coverage that can be purchased for the premium payment we received.\n\n- a. For the purpose of determining whether your premium payment is sufficient to buy the kinds and amounts of coverage you requested, we will first deduct the costs of all applicable fees and surcharges.\n- b. If the amount paid, after deducting the costs of all applicable fees and surcharges, is not sufficient to buy any amount of coverage, your payment will be refunded. Unless the policy is reformed to increase the coverage amount to the amount originally requested pursuant to VII.D.3, this policy will be cancelled, and no claims will be paid under this policy.\n- c. Coverage limits on the reformed policy will be based upon the amount of premium submitted per type of coverage, but will not exceed the amount originally requested.\n3. Discovery of Insufficient Premium or Rating Information. If we discover that your premium payment was not sufficient to buy the requested amount of coverage, the policy will\n\nbe reformed as described in VII.D.2. You have the option of increasing the amount of coverage resulting from this reformation to the amount you requested as follows:\n\n- a. Insufficient Premium. If we discover that your premium payment was not sufficient to buy the requested amount of coverage, we will send you, and any mortgagee or trustee known to us, a bill for the required additional premium for the current policy term (or that portion of the current policy term following any endorsement changing the amount of coverage). If it is discovered that the initial amount charged to you for any fees or surcharges is incorrect, the difference will be added or deducted, as applicable, to the total amount in this bill.\n- (1) If you or the mortgagee or trustee pays the additional premium amount due within 30 days from the date of our bill, we will reform the policy to increase the amount of coverage to the originally requested amount, effective to the beginning\n\nof the current policy term (or subsequent date of any endorsement changing the amount of coverage).\n\n- (2) If you or the mortgagee or trustee do not pay the additional amount due within 30 days of the date of our bill, any flood insurance claim will be settled based on the reduced amount of coverage.\n- (3) As applicable, you have the option of paying all or part of the amount due out of a claim payment based on the originally requested amount of coverage.\n- b. Insufficient Rating Inform\u00ad ation. If we determine that the rating information we have is insufficient and prevents us from calculating the additional premium, we will ask you to send the required information. You must submit the information within 60 days of our request.\n- (1) If we receive the information within 60 days of our request, we will determine the amount of additional premium for the current\n\npolicy term, and follow the procedure in VII.D.3.a above.\n\n- (2) If we do not receive the information within 60 days of our request, no claims will be paid until the requested information is provided. Coverage will be limited to the amount of coverage that can be purchased for the payments we received, as determined when the requested information is provided.\n4. Coverage Increases. If we do not receive the amounts requested in VII.D.3.a or the additional information requested in VII.D.3.b by the date it is due, the amount of coverage under this policy can only be increased by endorsement subject to the appropriate waiting period. However, no coverage increases will be allowed until you have provided the information requested in VII.D.3.b.\n5. Falsifying Information. However, if we find that you or your agent intentionally did not tell us, or falsified any important fact or circumstance or did anything fraudulent relating to this insurance, the provisions of VIII.A apply.\n\nE. Policy Renewal\n\n1. This policy will expire at 12:01 a.m. on the last day of the policy term.\n2. We must receive the payment of the appropriate renewal premium within 30 days of the expiration date.\n3. If we find, however, that we did not place your renewal notice into the U.S. Postal Service, or if we did mail it, we made a mistake, e.g., we used an incorrect, incomplete, or illegible address, which delayed its delivery to you before the due date for the renewal premium, then we will follow these procedures:\n- a. If you or your agent notified us, not later than one year after the date on which the payment of the renewal premium was due, of non-receipt of a renewal notice before the due date for the renewal premium, and we determine that the circumstances in the preceding paragraph apply, we will mail a second bill providing a revised due date, which will be 30 days after the date on which the bill is mailed.\n- b. If we do not receive the premium requested in the second bill by the revised due date, then we will not renew the policy. In that case, the policy will remain an expired policy as of the expiration date shown on the Declarations Page.\n4. In connection with the renewal of this policy, we may ask you during the policy term to recertify, on a Recertification Questionnaire we will provide to you, the rating information used to rate your most recent application for or renewal of insurance.\n- F. Conditions Suspending or Restricting Insurance\n\nWe are not liable for loss that occurs while there is a hazard that is increased by any means within your control or knowledge.\n\n- G. Requirements in Case of Loss\n\nIn case of a flood loss to insured property, you must:\n\n1. Give prompt written notice to us.\n2. As soon as reasonably possible, separate the damaged and\n\nundamaged property, putting it in the best possible order so that we may examine it.\n\n3. Prepare an inventory of damaged property showing the quantity, description, actual cash value, and amount of loss. Attach all bills, receipts, and related documents.\n4. Within 60 days after the loss, send us a proof of loss, which is your statement of the amount you are claiming under the policy signed and sworn to by you, and which furnishes us with the following information:\n- a. The date and time of loss;\n- b. A brief explanation of how the loss happened;\n- c. Your interest (for example, 'owner') and the interest, if any, of others in the damaged property;\n- d. Details of any other insurance that may cover the loss;\n- e. Changes in title or occupancy of the insured property during the term of the policy;\n- f. Specifications of damaged buildings and detailed repair estimates;\n- g. Names of mortgagees or anyone else having a lien,\n\ncharge, or claim against the insured property;\n\n- h. Details about who occupied any insured building at the time of loss and for what purpose; and\n- i. The inventory of damaged personal property described in G.3 above.\n5. In completing the proof of loss, you must use your own judgment concerning the amount of loss and justify that amount.\n6. You must cooperate with the adjuster or representative in the investigation of the claim.\n7. The insurance adjuster whom we hire to investigate your claim may furnish you with a proof of loss form, and she or he may help you complete it. However, this is a matter of courtesy only, and you must still send us a proof of loss within 60 days after the loss even if the adjuster does not furnish the form or help you complete it.\n8. We have not authorized the adjuster to approve or disapprove claims or to tell you whether we will approve your claim.\n9. At our option, we may accept the adjuster's report of the loss instead of your proof of loss. The adjuster's report will include information about your loss and the damages you sustained. You must sign the adjuster's report. At our option, we may require you to swear to the report.\n\nH. Our Options After a Loss\n\nOptions we may, in our sole discretion, exercise after loss include the following:\n\n1. At such reasonable times and places that we may designate, you must:\n- a. Show us or our representative the damaged property;\n- b. Submit to examination under oath, while not in the presence of another insured, and sign the same; and\n- c. Permit us to examine and make extracts and copies of:\n- (1) Any policies of property insurance insuring you against loss and the deed establishing your ownership of the insured real property;\n- (2) Condominium association documents including the Declarations of the condominium, its Articles of Association or Incorporation, Bylaws, rules and regulations, and other relevant documents if you are a unit owner in a condominium building; and\n- (3) All books of accounts, bills, invoices and other vouchers, or certified copies pertaining to the damaged property if the originals are lost.\n2. We may request, in writing, that you furnish us with a complete\n\ninventory of the lost, damaged or destroyed property, including:\n\n- a. Quantities and costs;\n- b. Actual cash values or replacement cost (whichever is appropriate);\n- c. Amounts of loss claimed;\n- d. Any written plans and specifications for repair of the damaged property that you can reasonably make available to us; and\n- e. Evidence that prior flood damage has been repaired.\n3. If we give you written notice within 30 days after we receive your signed, sworn proof of loss, we may:\n- a. Repair, rebuild, or replace any part of the lost, damaged, or destroyed property with material or property of like kind and quality or its functional equivalent; and\n- b. Take all or any part of the damaged property at the value that we agree upon or its appraised value.\n- I. No Benefit to Bailee\n\nNo person or organization, other than you, having custody of insured property will benefit from this insurance.\n\nJ. Loss Payment\n\n1. We will adjust all losses with you. We will pay you unless some other person or entity is named in the policy or is legally entitled to receive payment. Loss will be payable 60 days after we receive your proof of loss (or within 90 days after the insurance adjuster files the adjuster's report signed and sworn to by you in lieu of a proof of loss) and:\n- a. We reach an agreement with you;\n- b. There is an entry of a final judgment; or\n- c. There is a filing of an appraisal award with us, as provided in VII.M.\n2. If we reject your proof of loss in whole or in part you may:\n- a. Accept our denial of your claim;\n- b. Exercise your rights under this policy; or\n- c. File an amended proof of loss as long as it is filed within 60 days of the date of the loss.\n\nK. Abandonment\n\nYou may not abandon to us damaged or undamaged property insured under this policy.\n\nL. Salvage\n\nWe may permit you to keep damaged property insured under this policy after a loss, and we will reduce the amount of the loss proceeds payable to you under the policy by the value of the salvage.\n\nM. Appraisal\n\nIf you and we fail to agree on the actual cash value or, if applicable, replacement cost of your damaged property to settle upon the amount of loss, then either may demand an appraisal of the loss. In this event, you and we will each choose a competent and impartial appraiser within 20 days after receiving a written request from the other. The two appraisers will choose an umpire. If they cannot agree upon an umpire within 15 days, you or we may request that the choice be made by a judge of a court of record in the state where the insured property is located. The appraisers will separately state the actual cash value, the replacement cost, and the amount of loss to each item. If the appraisers submit a written report of an agreement to us, the amount agreed upon will be the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will set the amount of actual cash value and loss, or if it applies, the replacement cost and loss.\n\nEach party will:\n\n1. Pay its own appraiser; and\n2. Bear the other expenses of the appraisal and umpire equally.\n\nN. Mortgage Clause\n\n1. The word 'mortgagee' includes trustee.\n\n2. Any loss payable under Coverage A-Building Property will be paid to any mortgagee of whom we have actual notice, as well as any other mortgagee or loss payee determined to exist at the time of loss, and you, as interests appear. If more than one mortgagee is named, the order of payment will be the same as the order of precedence of the mortgages.\n3. If we deny your claim, that denial will not apply to a valid claim of the mortgagee, if the mortgagee:\n- a. Notifies us of any change in the ownership or occupancy, or substantial change in risk of which the mortgagee is aware;\n- b. Pays any premium due under this policy on demand if you have neglected to pay the premium; and\n- c. Submits a signed, sworn proof of loss within 60 days after receiving notice from us of your failure to do so.\n\n4. All of the terms of this policy apply to the mortgagee.\n5. The mortgagee has the right to receive loss payment even if the mortgagee has started foreclosure or similar action on the building.\n6. If we decide to cancel or not renew this policy, it will continue in effect for the benefit of the mortgagee only for 30 days after we notify the mortgagee of the cancellation or non-renewal.\n7. If we pay the mortgagee for any loss and deny payment to you, we are subrogated to all the rights of the mortgagee granted under the mortgage on the property. Subrogation will not impair the right of the mortgagee to recover the full amount of the mortgagee's claim.\n- O. Suit Against Us\n\nYou may not sue us to recover money under this policy unless you have complied with all the requirements of the policy. If you do sue, you must start the suit within one year after the date of the written denial of all or part of the claim, and you must file the suit in the United States District Court of the district in which the insured property was located at the time of loss. This requirement applies to any claim that you may have under this policy and to any dispute that you may have arising out of the handling of any claim under the policy.\n\n- P. Subrogation\n\nWhenever we make a payment for a loss under this policy, we are subrogated to your right to recover for that loss from any other person. That means that your right to recover for a loss that was partly or totally caused by someone else is automatically transferred to us, to the extent that we have paid you for the loss. We may require\n\nyou to acknowledge this transfer in writing. After the loss, you may not give up our right to recover this money or do anything that would prevent us from recovering it. If you make any claim against any person who caused your loss and recover any money, you must pay us back first before you may keep any of that money.\n\n- Q. Continuous Lake Flooding\n1. If an insured building has been flooded by rising lake waters continuously for 90 days or more and it appears reasonably certain that a continuation of this flooding will result in an insured loss to the insured building equal to or greater than the building policy limits plus the deductible or the maximum payable under the policy for any one building loss, we will pay you the lesser of these two amounts without waiting for the further\n\ndamage to occur if you sign a release agreeing:\n\n- a. To make no further claim under this policy;\n- b. Not to seek renewal of this policy;\n- c. Not to apply for any flood insurance under the Act for property at the described location;\n- d. Not to seek a premium refund for current or prior terms.\n\nIf the policy term ends before the insured building has been flooded continuously for 90 days, the provisions of this paragraph Q.1 will apply when the insured building suffers a covered loss before the policy term ends.\n\n2. If your insured building is subject to continuous lake flooding from a closed basin lake, you may elect to file a claim under either paragraph Q.1 above or Q.2 (A 'closed basin lake' is a natural lake from which water leaves primarily through evaporation and whose surface area now exceeds or has exceeded one square mile at any time in the recorded past. Most of the nation's closed basin lakes are in the western half of the United\n\nStates where annual evaporation exceeds annual precipitation and where lake levels and surface areas are subject to considerable fluctuation due to wide variations in the climate. These lakes may overtop their basins on rare occasions.) Under this paragraph Q.2, we will pay your claim as if the building is a total loss even though it has not been continuously inundated for 90 days, subject to the following conditions:\n\n- a. Lake floodwaters must damage or imminently threaten to damage your building.\n- b. Before approval of your claim, you must:\n- (1) Agree to a claim payment that reflects your buying back the salvage on a negotiated basis; and\n- (2) Grant the conservation easement described in FEMA's 'Policy Guidance for Closed Basin Lakes' to be recorded in the office of the local recorder of deeds. FEMA, in consultation with the community in which the property is located, will identify on a map an area or areas\n\nof special consideration (ASC) in which there is a potential for flood damage from continuous lake flooding. FEMA will give the community the agreedupon map showing the ASC. This easement will only apply to that portion of the property in the ASC. It will allow certain agricultural and recreational uses of the land. The only structures it will allow on any portion of the property within the ASC are certain simple agricultural and recreational structures. If any of these allowable structures are insurable buildings under the NFIP and are insured under the NFIP, they will not be eligible for the benefits of this paragraph Q.2. If a U.S. Army Corps of Engineers certified flood control project or otherwise certified flood control project later protects the property, FEMA will, upon request, amend the ASC to remove areas protected by those projects. The restrictions of the easement will then no longer apply to any portion of the\n\n- property removed from the ASC; and\n- (3) Comply with paragraphs Q.1.a through Q.1.d above.\n- c. Within 90 days of approval of your claim, you must move your building to a new location outside the ASC. FEMA will give you an additional 30 days to move if you show there is sufficient reason to extend the time.\n- d. Before the final payment of your claim, you must acquire an elevation certificate and a floodplain development permit from the local floodplain administrator for the new location of your building.\n- e. Before the approval of your claim, the community having jurisdiction over your building must:\n- (1) Adopt a permanent land use ordinance, or a temporary moratorium for a period not to exceed 6 months to be followed immediately by a permanent land use ordinance that is consistent with the provisions specified in the easement required in paragraph Q.2.b above;\n\n- (2) Agree to declare and report any violations of this ordinance to FEMA so that under Section 1316 of the National Flood Insurance Act of 1968, as amended, flood insurance to the building can be denied; and\n- (3) Agree to maintain as deedrestricted, for purposes compatible with open space or agricultural or recreational use only, any affected property the community acquires an interest in. These deed restrictions must be consistent with the provisions of paragraph Q.2.b above, except that, even if a certified project protects the property, the land use restrictions continue to apply if the property was acquired under the Hazard Mitigation Grant Program or the Flood Mitigation Assistance Program. If a non-profit land trust organization receives the property as a donation, that organization must maintain the property as deed-restricted, consistent\n3. with the provisions of paragraph Q2.b above.\n- f. Before the approval of your claim, the affected State must take all action set forth in FEMA's 'Policy Guidance for Closed Basin Lakes.'\n- g. You must have NFIP flood insurance coverage con tinuously in effect from a date established by FEMA until you file a claim under paragraph Q.2. If a subsequent owner buys NFIP insurance that goes into effect within 60 days of the date of transfer of title, any gap in coverage during that 60-day period will not be a violation of this continuous coverage requirement. For the purpose of honoring a claim under this paragraph Q.2, we will not consider to be in effect any increased coverage that became effective after the date established by FEMA. The exception to this is any increased coverage in the amount suggested by your insurer as an inflation adjustment.\n- h. This paragraph Q.2 will be in effect for a community when the FEMA Regional Administrator for the affected region provides\n\nto the community, in writing, the following:\n\n- (1) Confirmation that the community and the State are in compliance with the conditions in paragraphs Q.2.e and Q.2.f above; and\n\n(2) The date by which you must have flood insurance in effect.\n\nR. Loss Settlement\n\n1. Introduction\n\nThis policy provides three methods of settling losses: Replacement Cost, Special Loss Settlement, and Actual Cash Value. Each method is used for a different type of property, as explained in paragraphs a-c below.\n\n- a. Replacement Cost Loss Set tlement , described in R.2 below, applies to a singlefamily dwelling provided:\n\n(1) It is your principal residence; and\n\n- (2) At the time of loss, the amount of insurance in this policy that applies to the dwelling is 80 percent or more of its full replacement cost immediately before the loss, or is the maximum amount of insurance available under the NFIP.\n- b. Special Loss Settlement , described in R.3 below, applies to a single-family dwelling that is a manufactured or mobile home or a travel trailer.\n- c. Actual Cash Value Loss Settlement applies to a single-family dwelling not subject to replacement cost or special loss settlement, and to the property listed in R.4 below.\n2. Replacement Cost Loss Settlement\n\nThe following loss settlement conditions apply to a single-family dwelling described in R.1.a above:\n\n- a. We will pay to repair or replace the damaged dwelling after application of the deductible and without deduction for depreciation, but not more than the least of the following amounts:\n- (1) The building limit of liability shown on your Declarations Page;\n- (2) The replacement cost of that part of the dwelling damaged, with materials of like kind and quality and for like use; or\n- (3) The necessary amount actually spent to repair or replace the damaged part of the dwelling for like use.\n- b. If the dwelling is rebuilt at a new location, the cost described above is limited to the cost that would have been incurred if the dwelling had been rebuilt at its former location.\n- c. When the full cost of repair or replacement is more than $1,000, or more than 5 percent of the whole amount of insurance that applies to the dwelling, we will not be liable for any loss under R.2.a above or R.4.a.2 below unless and until actual repair or replacement is completed.\n- d. You may disregard the replacement cost conditions above and make claim under this policy for loss to dwellings on an actual cash value basis. You may then make claim for any additional liability according to R.2.a, b, and c above, provided you notify us of your intent to do so within 180 days after the date of loss.\n- e. If the community in which your dwelling is located has been converted from the Emergency Program to the Regular Program during the current policy term, then we will consider the maximum amount of available NFIP insurance to be the amount that was available at the beginning of the current policy term.\n3. Special Loss Settlement\n- a. The following loss settlement conditions apply to a single-family dwelling that:\n- (1) is a manufactured or mobile home or a travel trailer, as defined in II.C.6.b and c;\n\n- (2) is at least 16 feet wide when fully assembled and has an area of at least 600 square feet within its perimeter walls when fully assembled; and\n- (3) is your principal residence as specified in R.1.a.1 above.\n- b. If such a dwelling is totally destroyed or damaged to such an extent that, in our judgment, it is not economically feasible to repair, at least to its pre-damage condition, we will, at our discretion pay the least of the following amounts:\n- (1) The lesser of the replacement cost of the dwelling or 1.5 times the actual cash value; or\n- (2) The building limit of liability shown on your Declarations Page.\n- c. If such a dwelling is partially damaged and, in our judgment, it is economically feasible to repair it to its pre-damage condition, we will settle the loss according to the Replacement Cost conditions in R.2 above.\n\n4. Actual Cash Value Loss Settlement\n\nThe types of property noted below are subject to actual cash value (or in the case of R.4.a.2., below, proportional) loss settlement.\n\n- a. A dwelling, at the time of loss, when the amount of insurance on the dwelling is both less than 80 percent of its full replacement cost immediately before the loss and less than the maximum amount of insurance available under the NFIP. In that case, we will pay the greater of the following amounts, but not more than the amount of insurance that applies to that dwelling:\n- (1) The actual cash value, as defined in II.C.2, of the damaged part of the dwelling; or\n- (2) A proportion of the cost to repair or replace the damaged part of the dwelling, without deduction for physical depreciation and after application of the deductible.\n\nThis proportion is determined as follows: If 80 percent of the full replacement cost of the dwelling is less than the maximum amount of insurance available under the NFIP, then the proportion is determined by dividing the actual amount of insurance on the dwelling by the amount of insurance that represents 80 percent of its full replacement cost. But if 80 percent of the full replacement cost of the dwelling is greater than the maximum amount of insurance available under the NFIP, then the proportion is determined by dividing the actual amount of insurance on the dwelling by the maximum amount of insurance available under the NFIP.\n\n- b. A two-, three-, or four-family dwelling.\n- c. A unit that is not used exclusively for singlefamily dwelling purposes.\n- d. Detached garages.\n- e. Personal property.\n- f. Appliances, carpets, and carpet pads.\n- g. Outdoor awnings, outdoor antennas or aerials of any type, and other outdoor equipment.\n- h. Any property insured under this policy that is abandoned after a loss and remains as debris anywhere on the described location.\n- i. A dwelling that is not your principal residence.\n\n5. Amount of Insurance Required\n\nTo determine the amount of insurance required for a dwelling immediately before the loss, we do not include the value of:\n\n- a. Footings, foundations, piers, or any other structures or devices that are below the undersurface of the lowest basement floor and support all or part of the dwelling;\n- b. Those supports listed in R.5.a above, that are below the surface of the ground inside the foundation walls if there is no basement; and\n- c. Excavations and underground flues, pipes, wiring, and drains.\n\nNote: The Coverage D-Increased Cost of Compliance limit of liability is not included in the determination of the amount of insurance required.\n\nVIII. POLICY NULLIFICATION, CANCELLATION, AND NON-RENEWAL\n\n- A. Policy Nullification for Fraud, Misrepresentation, or Making False Statements\n1. With respect to all insureds under this policy, this policy is void and has no legal force and effect if at any time, before or after a loss, you or any other insured or your agent have, with respect to this policy or any other NFIP insurance:\n- a. Concealed or misrepresented any material fact or circumstance;\n- b. Engaged in fraudulent conduct; or\n- c. Made false statements.\n2. Policies voided under A.1 cannot be renewed or replaced by a new NFIP policy.\n3. Policies are void as of the date the acts described in A.1 above were committed.\n4. Fines, civil penalties, and imprisonment under applicable Federal laws may also apply to the acts of fraud or concealment described above.\n- B. Policy Nullification for Reasons Other Than Fraud\n1. This policy is void from its inception, and has no legal force or effect, if:\n- a. The property listed on the application is located in a community that was not participating in the NFIP on this policy's inception date and did not join or reenter the program during the policy term and before the loss occurred;\n- b. The property listed on the application is otherwise not eligible for coverage under the NFIP at the time of the initial application;\n- c. You never had an insurable interest in the property listed on the application;\n- d. You provided an agent with an application and payment, but the payment did not clear; or\n- e. We receive notice from you, prior to the policy effective date, that you have determined not to take the policy and you are not subject to a requirement to obtain and maintain flood insurance pursuant to any statute, regulation, or contract.\n2. In such cases, you will be entitled to a full refund of all premium, fees, and surcharges received. However, if a claim was paid for a policy that is void, the claim payment must be returned to FEMA or offset from the premiums to be refunded before the refund will be processed.\n\nC. Cancellation of the Policy by You\n\n1. You may cancel this policy in accordance with the terms and conditions of this policy and the applicable rules and regulations of the NFIP.\n2. If you cancel this policy, you may be entitled to a full or partial refund of premium, surcharges, or fees under the terms and conditions of this policy and the applicable rules and regulations of the NFIP.\n\nD. Cancellation of the Policy by Us\n\n1. Cancellation for Underpayment of Amounts Owed on Policy. This policy will be cancelled, pursuant to VII.D.2, if it is determined that the premium amount you paid is not sufficient to buy any amount of coverage, and you do not pay the additional amount of premium owed to increase the coverage to the originally requested amount within the required time period.\n\n2. Cancellation Due to Lack of an Insurable Interest.\n\n- a. If you no longer have an insurable interest in the insured property, we will cancel this policy. You will cease to have an insurable interest if:\n- (1) For building coverage, the building was sold, destroyed, or removed.\n- (2) For contents coverage, the contents were sold or transferred ownership, or the contents were\n\ncompletely removed from the described location.\n\n- b. If your policy is cancelled for this reason, you may be entitled to a partial refund of premium under the applicable rules and regulations of the NFIP.\n\n3. Cancellation of Duplicate Policies\n\n- a. Except as allowed under Article I.G, your property may not be insured by more than one NFIP policy, and payment for damages to your property will only be made under one policy.\n- b. Except as allowed under Article I.G, if the property is insured by more than one NFIP policy, we will cancel all but one of the policies. The policy, or policies, will be selected for cancellation in accordance with 44 CFR 62.5 and the applicable rules and guidance of the NFIP.\n- c. If this policy is cancelled pursuant to VIII.D.4.b, you may be entitled to a full or partial refund of premium, surcharges, or fees under the terms and conditions of this policy and the applicable rules and regulations of the NFIP.\n\n4. Cancellation Due to Physical Alteration of Property\n\n- a. If the insured building has been physically altered in such a manner that it is no longer eligible for flood insurance coverage, we will cancel this policy.\n\nof this policy and the applicable rules and regulations of the NFIP.\n\nE. Non-Renewal of the Policy by Us\n\nYour policy will not be renewed if:\n\n1. The community where your insured property is located is suspended or stops participating in the NFIP;\n- b. If your policy is cancelled for this reason, you may be entitled to a partial refund of premium under the terms and conditions\n2. Your building is otherwise ineligible for flood insurance under the Act;\n3. You have failed to provide the information we requested for the purpose of rating the policy within the required deadline.\n\nIX. LIBERALIZATION CLAUSE\n\nIf we make a change that broadens your coverage under this edition of our policy, but does not require any additional premium, then that change will automatically apply to your insurance as of the date we implement the change, provided that this implementation date falls within 60 days before or during the policy term stated on the Declarations Page.\n\nX. WHAT LAW GOVERNS\n\nThis policy and all disputes arising from the insurer's policy issuance, policy administration, or the handling of any claim under the policy are governed exclusively by the flood insurance regulations issued by FEMA, the National Flood Insurance Act of 1968, as amended (42 U.S.C. 4001, et seq.), and Federal common law.\n\nIn Witness Whereof, we have signed this policy below and hereby enter into this Insurance Agreement.\n\nDeputy Associate Administrator Federal Insurance and Mitigation Administration", + "markdown": "National Flood Insurance Program\n\n## Dwelling Form\n\nStandard Flood Insurance Policy\n\nF-122 / October 2021\n\n\n\nStandard Flood Insurance Policy\n\n## Dwelling Form\n\nPlease read the policy carefully. The flood insurance provided is subject to limitations, restrictions, and exclusions.\n\n## I. AGREEMENT\n\n- A. This policy insures the following types of property only:\n1. A one to four family residential building, not under a condominium form of ownership;\n- E. This policy insures only one building. If you own more than one building, coverage will apply to the single building specifically described in the Flood Insurance Application.\n2. A single-family dwelling unit in a condominium building; and\n3. Personal property in a building.\n- B. The Federal Emergency Management Agency (FEMA) provides flood insurance under the terms of the National Flood Insurance Act of 1968 and its amendments, and Title 44 of the Code of Federal Regulations.\n- C. We will pay you for direct physical loss by or from flood to your insured property if you:\n1. Have paid the full amount due (including applicable premiums, surcharges, and fees);\n2. Comply with all terms and conditions of this policy; and\n3. Have furnished accurate information and statements.\n- D. We have the right to review the information you give us at any time and revise your policy based on our review.\n- F. Subject to the exception in I.G below, multiple policies with building coverage cannot be issued to insure a single building to one insured or to different insureds, even if separate policies were issued through different NFIP insurers. Payment for damages may only be made under a single policy for building damages under Coverage ABuilding Property.\n- G. A Dwelling Form policy with building coverage may be issued to a unit owner in a condominium building that is also insured under a Residential Condominium\n\nBuilding Association Policy (RCBAP). However, no more than $250,000 may be paid in combined benefits for a single unit under the Dwelling Form policy and the RCBAP. We will only pay for damage once. Items of damage paid for under an RCBAP cannot also be claimed under the Dwelling Form policy.\n\n## II. DEFINITIONS\n\nA. In this policy, 'you' and 'your' refer to the named insured(s) shown on the Declarations Page of this policy and the spouse of the named insured, if a resident of the same household. Insured(s) also includes: Any mortgagee and loss payee named in the Application and Declarations Page, as well as any other mortgagee or loss payee determined to exist at the time of loss, in the order of precedence. 'We,' 'us,' and 'our' refer to the insurer.\n\nSome definitions are complex because they are provided as they appear in the law or regulations, or result from court cases.\n\n- B. Flood , as used in this flood insurance policy, means:\n1. A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (one of which is your property) from:\n- a. Overflow of inland or tidal waters;\n- b. Unusual and rapid accumulation or runoff of surface waters from any source;\n- c. Mudflow.\n2. Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion\n\nor undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined in B.1.a above.\n\nC. The following are the other key definitions we use in this policy:\n\n1. Act. The National Flood Insurance Act of 1968 and any amendments to it.\n2. Actual Cash Value. The cost to replace an insured item of property at the time of loss, less the value of its physical depreciation.\n3. Application. The statement made and signed by you or your agent in applying for this policy. The application gives information we use to determine the eligibility of the risk, the kind of policy to be issued, and the correct premium payment. The application is part of this flood insurance policy.\n4. Base Flood. A flood having a one percent chance of being equaled or exceeded in any given year.\n5. Basement. Any area of a building, including any sunken room or sunken portion of a room, having its floor below ground level on all sides.\n6. Building\n- a. A structure with two or more outside rigid walls and a fully secured roof that is affixed to a permanent site;\n- b. A manufactured home, also known as a mobile home, is a structure: built on a permanent chassis, transported to its site in one or more sections, and affixed to a permanent foundation; or\n- c. A travel trailer without wheels, built on a chassis and affixed to a permanent foundation, that is regulated under the community's floodplain management and building ordinances or laws.\n\nBuilding does not mean a gas or liquid storage tank, shipping container, or a recreational vehicle, park trailer, or other similar vehicle, except as described in C.6.c above.\n\n7. Cancellation. The ending of the insurance coverage provided by this policy before the expiration date.\n8. Condominium. That form of ownership of one or more buildings in which each unit owner has an undivided interest in common elements.\n9. Condominium Association. The entity made up of the unit owners responsible for the maintenance and operation of:\n- a. Common elements owned in undivided shares by unit owners; and\n- b. Other buildings in which the unit owners have use rights; where membership in the entity is a required condition of ownership.\n10. Condominium Building. A type of building for which the form of ownership is one in which each unit owner has an undivided interest in common elements of the building.\n11. Declarations Page. A computer-generated summary of information you provided in your application for insurance. The Declarations Page also describes the term of the policy, limits of coverage, and displays the premium and our name. The Declarations Page is a part of this flood insurance policy.\n12. Deductible. The amount of an insured loss that is your responsibility and that is incurred by you before any amounts are paid for the insured loss under this policy.\n13. Described Location. The location where the insured building(s) or personal property are found. The described location is shown on the Declarations Page.\n14. D irect Physical Loss By or From Flood. Loss or damage to insured property, directly caused by a flood. There must be evidence of physical changes to the property.\n15. Dwelling. A building designed for use as a residence for no more than four families or a single-family unit in a condominium building.\n16. Elevated Building. A building that has no basement and that has its lowest elevated floor raised above ground level by foundation walls, shear walls, posts, piers, pilings, or columns.\n17. Emergency Program. The initial phase of a community's participation in the National Flood Insurance Program. During this phase, only limited amounts of insurance are available under the Act and the regulations prescribed pursuant to the Act.\n18. Federal Policy Fee. A flat rate charge you must pay on each new or renewal policy to defray certain administrative expenses incurred in carrying out the National Flood Insurance Program.\n19. Improvements. Fixtures, alterations, installations, or additions comprising a part of the dwelling or apartment in which you reside.\n20. Mudflow. A river of liquid and flowing mud on the surface of normally dry land areas, as when earth is carried by a current of water. Other earth movements, such as landslide, slope failure, or\n\na saturated soil mass moving by liquidity down a slope, are not mudflows.\n\n21. National Flood Insurance Program (NFIP). The program of flood insurance coverage and floodplain management administered under the Act and applicable Federal regulations in Title 44 of the Code of Federal Regulations, Subchapter B.\n22. Policy. The entire written contract between you and us. It includes:\n- a. This printed form;\n- b. The application and Declarations Page;\n- c. Any endorsement(s) that may be issued; and\n- d. Any renewal certificate indicating that coverage has been instituted for a new policy and new policy term. Only one dwelling, which you specifically described in the application, may be insured under this policy.\n23. Pollutants. Substances that include, but are not limited to, any solid, liquid, gaseous, or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste. 'Waste' includes, but is not limited to, materials to be recycled, reconditioned, or reclaimed.\n24. Post-FIRM Building. A building for which construction or substantial improvement occurred after December 31, 1974, or on or after the effective date of an initial Flood Insurance Rate Map (FIRM), whichever is later.\n- a. The 365 days immediately preceding the time of loss; or\n- b. The period of ownership of you or your spouse, if either you or your spouse owned the dwelling for less than 365 days immediately preceding the time of loss.\n26. Probation Surcharge. A flat charge you must pay on each new or renewal policy issued covering property in a community the NFIP has placed on probation under the provisions of 44 CFR 59.24.\n27. Regular Program. The final phase of a community's participation in the National Flood Insurance Program. In this phase, a Flood Insurance Rate Map is in effect and full limits of coverage are available under the Act and the regulations prescribed pursuant to the Act.\n28. Special Flood Hazard Area (SFHA). An area having special flood or mudflow, and/or flood-related erosion hazards, and shown on a Flood Hazard Boundary Map or Flood Insurance Rate Map as Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/ AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, VE, or V.\n29. Unit. A single-family residential space you own in a condominium building.\n30. Valued Policy. A policy in which the insured and the insurer agree on the value of the property insured, that value being payable in the event of a total loss. The Standard Flood Insurance Policy is not a valued policy.\n25. Principal Residence. The dwelling in which you or your spouse have lived for at least 80 percent of:\n\n## III. PROPERTY INSURED\n\nare always considered part of the dwelling and cannot be separately insured.\n\n- A detached garage at the described location. Coverage is limited to no more than 10 percent of the limit of liability on the dwelling. Use of this insurance is at your option but reduces the building limit of liability. We do not cover any detached garage used or held for use for residential (i.e., dwelling), business, or farming purposes.\n\n## A. Coverage A-Building Property\n\nWe insure against direct physical loss by or from flood to:\n\n1. The dwelling at the described location, or for a period of 45 days at another location as set forth in III.C.2.b, Property Removed to Safety.\n2. Additions and extensions attached to and in contact with the dwelling by means of a rigid exterior wall, a solid load-bearing interior wall, a stairway, an elevated walkway, or a roof. At your option, additions and extensions connected by any of these methods may be separately insured. Additions and extensions attached to and in contact with the building by means of a common interior wall that is not a solid load-bearing wall\n3. 3.\n\n4. Materials and supplies to be used for construction, alteration, or repair of the dwelling or a detached garage while the materials and supplies are stored in a fully enclosed building at the described location or on an adjacent property.\n5. A building under construction, alteration, or repair at the described location.\n- a. If the structure is not yet walled or roofed as described in the definition for building (see II.C.6.a) then coverage applies:\n- (1) Only while such work is in progress; or\n- (2) If such work is halted, only for a period of up to 90 continuous days thereafter.\n- b. However, coverage does not apply until the building is walled and roofed if the lowest floor, including the basement floor, of a non-elevated building or the lowest elevated floor of an elevated building is:\n- (1) Below the base flood elevation in Zones AH, AE, A1-A30, AR, AR/AE, AR/ AH, AR/A1-A30, AR/A, AR/AO; or\n- (2) Below the base flood elevation adjusted to include the effect of wave action in Zones VE or V1-V30.\n\nThe lowest floor level is based on the bottom of the lowest horizontal structural member of the floor in Zones VE or V1-V30 or the top of the floor in Zones AH, AE, A1-A30, AR, AR/AE, AR/AH, AR/ A1-A30, AR/A, and AR/AO.\n\n6. A manufactured home or a travel trailer, as described in the II.C.6. If the manufactured home or travel trailer is in a special flood hazard area, it must be anchored in the following manner at the time of the loss:\n- a. By over-the-top or frame ties to ground anchors; or\n- b. In accordance with the manufacturer's specifications; or\n- c. In compliance with the community's floodplain management requirements unless it has been continuously insured by the NFIP at the same described location since September 30, 1982.\n7. The following items of property which are insured under Coverage A only:\n- a. Awnings and canopies;\n- b. Blinds;\n- c. Built-in dishwashers;\n- d. Built-in microwave ovens;\n- e. Carpet permanently installed over unfinished flooring;\n- f. Central air conditioners;\n- g. Elevator equipment;\n- h. Fire sprinkler systems;\n- i. Walk-in freezers;\n- j. Furnaces and radiators;\n- k. Garbage disposal units;\n- l. Hot water heaters, including solar water heaters;\n- m. Light fixtures;\n- n. Outdoor antennas and aerials fastened to buildings;\n- o. Permanently installed cupboards, bookcases, cabinets, paneling, and wallpaper;\n- p. Plumbing fixtures;\n- q. Pumps and machinery for operating pumps;\n- r. Ranges, cooking stoves, and ovens;\n- s. Refrigerators; and\n- t. Wall mirrors, permanently installed.\n8. Items of property below the lowest elevated floor of an elevated postFIRM building located in Zones\n\n## A1-A30, AE, AH, AR, AR/A, AR/ AE, AR/AH, AR/A1-A30, V1-V30, or VE, or in a basement regardless of the zone. Coverage is limited to the following:\n\n- a. Any of the following items, if installed in their functioning locations and, if necessary for operation, connected to a power source:\n- (1) Central air conditioners;\n- (2) Cisterns and the water in them;\n- (3) Drywall for walls and ceilings in a basement and the cost of labor to nail it, unfinished and unfloated and not taped, to the framing;\n- (4) Electrical junction and circuit breaker boxes;\n- (5) Electrical outlets and switches;\n- (6) Elevators, dumbwaiters and related equipment, except for related equipment installed below the base flood elevation after September 30, 1987;\n- (7) Fuel tanks and the fuel in them;\n- (8) Furnaces and hot water heaters;\n- (9) Heat pumps;\n- (10) Nonflammable insulation in a basement;\n- (11) Pumps and tanks used in solar energy systems;\n- (12) Stairways and staircases attached to the building, not separated from it by elevated walkways;\n- (13) Sump pumps;\n- (14) Water softeners and the chemicals in them, water filters, and faucets installed as an integral part of the plumbing system;\n- (15) Well water tanks and pumps;\n- (16) Required utility connections for any item in this list; and\n- (17) Footings, foundations, posts, pilings, piers, or other foundation walls and anchorage systems required to support a building.\n- b. Clean-up.\n\n## B. Coverage B-Personal Property\n\n1. If you have purchased personal property coverage, we insure against direct physical loss by or from flood to personal property inside a building at the described location, if:\n- a. The property is owned by you or your household family members; and\n- b. At your option, the property is owned by guests or servants.\n2. Personal property is also insured for a period of 45 days at another location as set forth in III.C.2.b, Property Removed to Safety.\n3. Personal property in a building that is not fully enclosed must be secured to prevent flotation out of the building. If the personal property does float out during a flood, it will be conclusively presumed that it was not reasonably secured. In that case, there is no coverage for such property.\n4. Coverage for personal property includes the following property, subject to B.1 above, which is insured under Coverage B only:\n- a. Air conditioning units, portable or window type;\n- b. Carpets, not permanently installed, over unfinished flooring;\n- c. Carpets over finished flooring;\n- d. Clothes washers and dryers;\n- e. 'Cook-out' grills;\n- f. Food freezers, other than walk-in, and food in any freezer; and\n- g. Portable microwave ovens and portable dishwashers.\n\n## 5. Coverage for items of property below the lowest elevated floor of an elevated post-FIRM building located in Zones A1-A30, AE, AH, AR, AR/A, AR/AE, AR/AH, AR/ A1-A30, V1-V30, or VE, or in a basement regardless of the zone, is limited to the following items, if installed in their functioning locations and, if necessary for oper ation, connected to a power source:\n\n- a. Air conditioning units, portable or window type;\n- b. Clothes washers and dryers; and\n- c. Food freezers, other than walk-in, and food in any freezer.\n6. If you are a tenant and have insured personal property under Coverage B in this policy, we will cover such property, including your cooking stove or range and refrigerator. The policy will also cover improvements made or acquired solely at your expense in the dwelling or apartment in which you reside, but for not more than 10 percent of the limit of liability shown for personal property on the Declarations Page. Use of this insurance is at your option but reduces the personal property limit of liability.\n7. If you are the owner of a unit and have insured personal property under Coverage B in this policy, we will also cover your interior walls, floor, and ceiling (not otherwise insured under a flood insurance policy purchased by your condominium association) for not more than 10 percent of the limit of liability shown for personal property on the Declarations Page. Use of this insurance is at your option but reduces the personal property limit of liability.\n8. Special Limits. We will pay no more than $2,500 for any one loss to one or more of the following kinds of personal property:\n- a. Artwork, photographs, collectibles, or memorabilia, including but not limited to, porcelain or other figures, and sports cards;\n- b. Rare books or autographed items;\n- c. Jewelry, watches, precious and semi-precious stones, or articles of gold, silver, or platinum;\n- d. Furs or any article containing fur that represents its principal value; or\n- e. Personal property used in any business.\n\n## 9. We will pay only for the functional value of antiques.\n\n## C. Coverage C-Other Coverages\n\n1. Debris Removal\n- a. We will pay the expense to remove non-owned debris that is on or in insured property and debris of insured property anywhere.\n- b. If you or a member of your household perform the removal work, the value of your work will be based on the Federal minimum wage.\n- c. This coverage does not increase the Coverage A or Coverage B limit of liability.\n2. Loss Avoidance Measures\n- a. Sandbags, Supplies, and Labor\n- (1) We will pay up to $1,000 for costs you incur to protect the insured building from a flood or imminent danger of flood, for the following:\n8. (a) Your reasonable expenses to buy:\n9. (i) Sandbags, including sand to fill them;\n10. (ii) Fill for temporary levees;\n11. (iii) Pumps; and\n12. (iv) Plastic sheeting and lumber used in connection with these items.\n13. (b) The value of work, at the Federal minimum wage, that you or a member of your house-hold perform.\n- (2) This coverage for Sandbags, Supplies, and Labor only applies if damage to insured property by or from flood is imminent and the threat of flood damage is apparent enough to lead a person of common prudence to anticipate flood damage. One of the following must also occur:\n15. (a) A general and temporary condition of flooding in the area near the described\n\nlocation must occur, even if the flood does not reach the building; or\n\n- (b) A legally authorized official must issue an evacuation order or other civil order for the community in which the building is located calling for measures to preserve life and property from the peril of flood.\n\nThis coverage does not increase the Coverage A or Coverage B limit of liability.\n\n- b. Property Removed to Safety\n- (1) We will pay up to $1,000 for the reasonable expenses you incur to move insured property to a place other than the described location that contains the property in order to protect it from flood or the imminent danger of flood. Reasonable expenses include the value of work, at the Federal minimum wage, you or a member of your household perform.\n- (2) If you move insured property to a location other than the described location that contains the property in order to protect it from flood or the imminent danger of flood, we will cover such property while at that location for a period of 45 consecutive days from the date you begin to move it there. The personal property that is moved must be placed in a fully enclosed building or otherwise reasonably protected from the elements.\n- (3) Any property removed, including a moveable home described in II.6.b and c, must be placed above ground level or outside of the special flood hazard area.\n- (4) This coverage does not increase the Coverage A or Coverage B limit of liability.\n3. Condominium Loss Assessments\n- a. Subject to III.C.3.b below, if this policy insures a condominium unit, we will pay, up to the Coverage A limit of liability, your share of loss assessments charged against you by the condominium association in accordance with the condominium association's articles of association, declarations and your deed. The assessment must be made because of direct physical loss by or from flood during the policy term, to the unit or to the common elements of the NFIP insured condominium building in which this unit is located.\n- b. We will not pay any loss assessment:\n- (1) Charged against you and the condominium association by any governmental body;\n- (2) That results from a deductible under the insurance purchased by the condominium association insuring common elements;\n- (3) That results from a loss to personal property, including contents of a condomin ium building;\n\n## (4) In which the total payment combined under all policies exceeds the maximum amount of coverage available under the Act for a single unit in a condominium building where the unit is insured under both a Dwelling Policy and a RCBAP; or\n\n- (5) On any item of damage that has already been paid under a RCBAP where a single unit in a condominium building is insured by both a Dwelling Policy and a RCBAP.\n- c. Condominium Loss Assessment coverage does not increase the Coverage A Limit of Liability and is subject to the maximum coverage limits available for a single-family dwelling under the Act, payable between all\n\npolicies issued and covering the unit, under the Act.\n\n## D. Coverage D-Increased Cost of Compliance\n\n## 1. General\n\nThis policy pays you to comply with a State or local floodplain management law or ordinance affecting repair or reconstruction of a building suffering flood damage. Compliance activities eligible for payment are: elevation, floodproofing, relocation, or demolition (or any combination of these activities) of your building. Eligible floodproofing activities are limited to:\n\n- a. Non-residential buildings.\n- b. Residential buildings with basements that satisfy FEMA's standards published in the Code of Federal Regulations [44 CFR 60.6(b) or (c)].\n\n## 2. Limit of Liability\n\nWe will pay you up to $30,000 under this Coverage D-Increased Cost of Compliance, which only applies to policies with building coverage (Coverage A). Our payment of claims under Coverage D is in addition to the amount of coverage which you selected on the application and which appears on the Declarations Page. But the maximum you can collect under this policy for both Coverage A-Building Property and Coverage D-Increased Cost of Compliance cannot exceed the maximum permitted under the Act. We do not charge a separate deductible for a claim under Coverage D.\n\n## 3. Eligibility\n\n- a. A building insured under Coverage ABuilding Property sustaining a loss caused by a flood as defined by this policy must:\n- (1) Be a 'repetitive loss building.' A repetitive loss building is one that meets the following conditions:\n3. (a) The building is insured by a contract of flood insurance issued under the NFIP.\n4. (b) The building has suffered flood damage on two occasions during a 10-year period which ends on the date of the second loss.\n5. (c) The cost to repair the flood damage, on average, equaled or exceeded 25 percent of the market value of the building at the time of each flood loss.\n6. (d) In addition to the current claim, the NFIP must have paid the previous qualifying claim, and the State or community must have a cumulative, substantial damage provision or repetitive loss provision in its floodplain management law or ordinance being enforced against the building; or\n- (2) Be a building that has had flood damage in which the cost to repair equals or exceeds 50 percent of the market value of the building at the time of the flood. The State or community must have a substantial damage provision in its floodplain management law or ordinance being enforced against the building.\n- b. This Coverage D pays you to comply with State or local floodplain management laws or ordinances that meet the minimum standards of the National Flood Insurance Program found in the Code of Federal Regulations at 44 CFR 60.3. We pay for compliance activities that exceed those standards under these conditions:\n- (1) 3.a.1 above.\n- (2) Elevation or floodproofing in any risk zone to preliminary or advisory base flood elevations provided by FEMA which the State or local government has adopted and is enforcing for flooddamaged buildings in such areas. (This includes compliance activities in B, C, X, or D zones which are being changed to zones with base flood elevations. This also includes compliance activities in zones where base flood elevations are being increased, and a flood-damaged building must comply with the higher advisory base flood elevation.) Increased Cost of Compliance coverage does not apply to situations in B, C, X, or D zones where the community has derived its own elevations and is enforcing elevation or floodproofing requirements for flooddamaged buildings to elevations derived solely by the community.\n- (3) Elevation or floodproofing above the base flood elevation to meet State or local 'free-board' requirements, i.e., that a building must be elevated above the base flood elevation.\n\n- c. Under the minimum NFIP criteria at 44 CFR 60.3(b)(4), States and communities must require the elevation or floodproofing of buildings in unnumbered A zones to the base flood elevation where elevation data is obtained from a Federal, State, or other source. Such compliance activities are eligible for Coverage D.\n- d. Coverage D will pay for the incremental cost, after demolition or relocation, of elevating or floodproofing a building during its rebuilding at the same or another site to meet State or local floodplain management laws or ordinances, subject to Coverage D Exclusion 5.g below.\n- e. Coverage D will pay to bring a flood-damaged building into compliance with State or local floodplain management laws or ordinances even if the building had received a variance before the present loss from the applicable floodplain management requirements.\n\n## 4. Conditions\n\n- a. When a building insured under Coverage A-Building Property sustains a loss caused by a flood, our payment for the loss under this Coverage D will be for the increased cost to elevate, floodproof, relocate, or demolish (or any combination of these activities) caused by the enforcement of current State or local floodplain management ordinances or laws. Our payment for eligible demolition activities will be for the cost to demolish and clear the site of the building debris or a portion thereof caused by the enforcement of current State or local floodplain management\n\nordinances or laws. Eligible activities for the cost of clearing the site will include those necessary to discontinue utility service to the site and ensure proper abandonment of on-site utilities.\n\n- b. When the building is repaired or rebuilt, it must be intended for the same occupancy as the present building unless otherwise required by current floodplain management ordinances or laws.\n\n## 5. Exclusions\n\nUnder this Coverage D (Increased Cost of Compliance), we will not pay for:\n\n- a. The cost to comply with any flood plain management law or ordinance in communities participating in the Emergency Program.\n- b. The cost associated with enforcement of any ordinance or law that requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of pollutants.\n- c. The loss in value to any insured building due to the\n\n- requirements of any ordinance or law.\n- d. The loss in residual value of the undamaged portion of a building demolished as a consequence of enforcement of any State or local flood plain management law or ordinance.\n- e. Any Increased Cost of Compliance under this Coverage D:\n- (1) Until the building is elevated, floodproofed, demolished, or relocated on the same or to another premises; and\n- (2) Unless the building is elevated, floodproofed, demolished, or relocated as soon as reasonably possible after the loss, not to exceed two years.\n- f. Any code upgrade requirements, e.g., plumbing or electrical wiring, not specifically related to the State or local floodplain management law or ordinance.\n- g. Any compliance activities needed to bring additions or improvements made after the loss occurred into compliance with State or local flood plain management laws or ordinances.\n- h. Loss due to any ordinance or law that you were required to comply with before the current loss.\n- i. Any rebuilding activity to standards that do not meet the NFIP's minimum requirements. This includes any situation where the insured has received from the State or community a variance in connection with the current flood loss to rebuild the property to an elevation below the base flood elevation.\n- j. Increased Cost of Compliance for a garage or carport.\n- k. Any building insured under an NFIP Group Flood Insurance Policy.\n- l. Assessments made by a condo minium association on individual condominium unit owners to pay increased costs of repairing commonly owned buildings after a flood in compliance with State or local floodplain management ordinances or laws.\n6. Other Provisions\n- a. Increased Cost of Compliance coverage will not be included in the calculation to determine whether coverage meets the 80 percent insurance-to-value requirement for replacement cost coverage as set forth in Art. VII.R ('Loss Settlement') of this policy.\n- b. All other conditions and provisions of this policy apply.\n\n## We do not insure any of the following:\n\n1. Personal property not inside a building.\n2. A building, and personal property in it, located entirely in, on, or over water or seaward of mean high tide if it was constructed or substantially improved after September 30, 1982.\n3. Open structures, including a building used as a boathouse or any structure or building into which boats are floated, and personal property located in, on, or over water.\n4. Recreational vehicles other than travel trailers described in the Definitions section (see II.C.6.c) whether affixed to a permanent foundation or on wheels.\n5. Self-propelled vehicles or machines, including their parts and equipment. However, we do cover self-propelled vehicles or machines not licensed for use on public roads that are:\n- a. Used mainly to service the described location; or\n- b. Designed and used to assist handicapped persons, while the vehicles or machines\n8. are inside a building at the described location.\n6. Land, land values, lawns, trees, shrubs, plants, growing crops, or animals.\n7. Accounts, bills, coins, currency, deeds, evidences of debt, medals, money, scrip, stored value cards, postage stamps, securities, bullion, manuscripts, or other valuable papers.\n8. Underground structures and equip ment, including wells, septic tanks, and septic systems.\n9. Those portions of walks, walkways, decks, driveways, patios and other surfaces, all whether protected by a roof or not, located outside the perimeter, exterior walls of the insured building or the building in which the insured unit is located.\n10. Containers, including related equipment, such as, but not limited to, tanks containing gases or liquids.\n11. Buildings or units and all their contents if more than 49 percent of the actual cash value of the building is below ground, unless the lowest level is at or above the base flood elevation and is below\n\n- ground by reason of earth having been used as insulation material in conjunction with energy efficient building techniques.\n12. Fences, retaining walls, seawalls, bulkheads, wharves, piers, bridges, and docks.\n13. Aircraft or watercraft, or their furnishings and equipment.\n\nfilters, pumps, and pipes, wherever located.\n\n15. Property not eligible for flood insurance pursuant to the provisions of the Coastal Barrier Resources Act and the Coastal Barrier Improvement Act and amendments to these acts.\n14. Hot tubs and spas that are not bathroom fixtures, and swimming pools, and their equipment, such as, but not limited to, heaters,\n16. Personal property you own in common with other unit owners comprising the membership of a condominium association.\n\n## V. EXCLUSIONS\n\nA. We only pay for direct physical loss by or from flood, which means that we do not pay you for:\n\n1. Loss of revenue or profits;\n2. Loss of access to the insured property or described location;\n3. Loss of use of the insured property or described location;\n4. Loss from interruption of business or production;\n5. Any additional living expenses incurred while the insured building is being repaired or is unable to be occupied for any reason;\n6. The cost of complying with any ordinance or law requiring or\n\nregulating the construction, demolition, remodeling, renovation, or repair of property, including removal of any resulting debris. This exclusion does not apply to any eligible activities we describe in Coverage D-Increased Cost of Compliance; or\n\n7. Any other economic loss you suffer.\n\nB. Flood in Progress. If this policy became effective as of the time of a loan closing, as provided by 44 CFR 61.11(b), we will not pay for a loss caused by a flood that is a continuation of a flood that existed prior to coverage becoming effective.\n\nIn all other circumstances, we will not pay for a loss caused by a flood that is a continuation of a flood that existed on or before the day you submitted the application for coverage under this policy and the full amount due. We will determine the date of application using 44 CFR 61.11(f).\n\nC. We do not insure for loss to property caused directly by earth movement even if the earth movement is caused by flood. Some examples of earth movement that we do not cover are:\n\n1. Earthquake;\n2. Landslide;\n3. Land subsidence;\n4. Sinkholes;\n5. Destabilization or movement of land that results from accumulation of water in subsurface land area; or\n6. Gradual erosion.\n\nWe do, however, pay for losses from mudflow and land subsidence as a result of erosion that are specifically insured under our definition of flood (see II.B.1.c and II.B.2).\n\nD. We do not insure for direct physical loss caused directly or indirectly by any of the following:\n\n1. The pressure or weight of ice;\n2. Freezing or thawing;\n3. Rain, snow, sleet, hail, or water spray;\n4. Water, moisture, mildew, or mold damage that results primarily from any condition:\n- a. Substantially confined to the dwelling; or\n- b. That is within your control, including but not limited to:\n- (1) Design, structural, or mechanical defects;\n- (2) Failure, stoppage, or breakage of water or sewer lines, drains, pumps, fixtures, or equipment; or\n- (3) Failure to inspect and maintain the property after a flood recedes;\n5. Water or water-borne material that:\n- a. Backs up through sewers or drains;\n- b. Discharges or overflows from a sump, sump pump, or related equipment; or\n- c. Seeps or leaks on or through the insured property;\n\nunless there is a flood in the area and the flood is the proximate cause of the sewer or drain backup, sump pump discharge or overflow, or the seepage of water;\n\n6. The pressure or weight of water unless there is a flood in the area and the flood is the proximate cause of the damage from the pressure or weight of water;\n7. Power, heating, or cooling failure unless the failure results from direct physical loss by or from flood to power, heating, or cooling equipment on the described location;\n8. Theft, fire, explosion, wind, or windstorm;\n9. Anything you or any member of your household do or conspire\n\nto do to deliberately cause loss by flood; or\n\n10. Alteration of the insured property that significantly increases the risk of flooding.\n\nE. We do not insure for loss to any building or personal property located on land leased from the Federal Government, arising from or incident to the flooding of the land by the Federal Government, where the lease expressly holds the Federal Government harmless under flood insurance issued under any Federal Government program.\n\nF. We do not pay for the testing for or monitoring of pollutants unless required by law or ordinance.\n\n## VI. DEDUCTIBLES\n\nA. When a loss is insured under this policy, we will pay only that part of the loss that exceeds your deductible amount, subject to the limit of liability that applies. The deductible amount is shown on the Declarations Page.\n\nB. In each loss from flood, separate deductibles apply to the building and personal property insured by this policy.\n\n- C. The deductible does NOT apply to:\n1. III.C.2. Loss Avoidance Measures;\n2. III.C.3. Condominium Loss Assessments; or\n3. III.D. Increased Cost of Compliance.\n\nHowever, when a building under construction, alteration, or repair does not have at least two rigid exterior walls and a fully secured roof at the time of loss, your deductible amount will be two times the deductible that would otherwise apply to a completed building.\n\n## A. Pair and Set Clause\n\nIn case of loss to an article that is part of a pair or set, we will have the option of paying you:\n\n1. An amount equal to the cost of replacing the lost, damaged, or destroyed article, minus its depreciation; or\n2. The amount that represents the fair proportion of the total value of the pair or set that the lost, damaged, or destroyed article bears to the pair or set.\n\n## B. Other Insurance\n\n1. If a loss insured by this policy is also insured by other insurance that includes flood coverage not issued under the Act, we will not pay more than the amount of insurance you are entitled to for lost, damaged, or destroyed property insured under this policy subject to the following:\n- a. We will pay only the proportion of the loss that the amount of insurance that applies under this policy bears to the total amount of insurance covering the loss, unless VII.B.1.b or c immediately below applies.\n- b. If the other policy has a provision stating that it is excess insurance, this policy will be primary.\n- c. This policy will be primary (but subject to its own deductible)\n\nup to the deductible in the other flood policy (except another policy as described in VII.B.1.b above). When the other deductible amount is reached, this policy will participate in the same proportion that the amount of insurance under this policy bears to the total amount of both policies, for the remainder of the loss.\n\n2. If there is other insurance issued under the Act in the name of your condominium association covering the same property insured by this policy, then this policy will be in excess over the other insurance, except where a condominium loss assessment to the unit owner results from a loss sustained by the condominium association that was not reimbursed under a flood insurance policy written in the name of the association under the Act because the building was not, at the time of loss, insured for an amount equal to the lesser of:\n- a. 80 percent or more of its full replacement cost; or\n\n- b. The maximum amount of insurance permitted under the Act.\n3. The combined coverage payment under the other NFIP insurance and this policy cannot exceed the maximum coverage available under the Act, of $250,000 per single unit.\n\n## C. Amendments, Waivers, Assignment\n\nThis policy cannot be changed, nor can any of its provisions be waived, without the express written consent of the Federal Insurance Administrator. No action we take under the terms of this policy constitutes a waiver of any of our rights. You may assign this policy in writing when you transfer title of your property to someone else except under these conditions:\n\n- a. When this policy insures only personal property; or\n- b. When this policy insures a building under construction.\n- D. Insufficient Premium or Rating Information\n1. Applicability. The following provisions apply to all instances where the premium paid on this policy is insufficient or where the rating information is insufficient, such as where an Elevation Certificate is not provided.\n2. Reforming the Policy with Re\u00ad duced Coverage. Except as otherwise provided in VII.D.1, if the premium we received from you was not sufficient to buy the kinds and amounts of coverage you requested, we will provide only the kinds and\n\namounts of coverage that can be purchased for the premium payment we received.\n\n- a. For the purpose of determining whether your premium payment is sufficient to buy the kinds and amounts of coverage you requested, we will first deduct the costs of all applicable fees and surcharges.\n- b. If the amount paid, after deducting the costs of all applicable fees and surcharges, is not sufficient to buy any amount of coverage, your payment will be refunded. Unless the policy is reformed to increase the coverage amount to the amount originally requested pursuant to VII.D.3, this policy will be cancelled, and no claims will be paid under this policy.\n- c. Coverage limits on the reformed policy will be based upon the amount of premium submitted per type of coverage, but will not exceed the amount originally requested.\n3. Discovery of Insufficient Premium or Rating Information. If we discover that your premium payment was not sufficient to buy the requested amount of coverage, the policy will\n\nbe reformed as described in VII.D.2. You have the option of increasing the amount of coverage resulting from this reformation to the amount you requested as follows:\n\n- a. Insufficient Premium. If we discover that your premium payment was not sufficient to buy the requested amount of coverage, we will send you, and any mortgagee or trustee known to us, a bill for the required additional premium for the current policy term (or that portion of the current policy term following any endorsement changing the amount of coverage). If it is discovered that the initial amount charged to you for any fees or surcharges is incorrect, the difference will be added or deducted, as applicable, to the total amount in this bill.\n- (1) If you or the mortgagee or trustee pays the additional premium amount due within 30 days from the date of our bill, we will reform the policy to increase the amount of coverage to the originally requested amount, effective to the beginning\n\nof the current policy term (or subsequent date of any endorsement changing the amount of coverage).\n\n- (2) If you or the mortgagee or trustee do not pay the additional amount due within 30 days of the date of our bill, any flood insurance claim will be settled based on the reduced amount of coverage.\n- (3) As applicable, you have the option of paying all or part of the amount due out of a claim payment based on the originally requested amount of coverage.\n- b. Insufficient Rating Inform\u00ad ation. If we determine that the rating information we have is insufficient and prevents us from calculating the additional premium, we will ask you to send the required information. You must submit the information within 60 days of our request.\n- (1) If we receive the information within 60 days of our request, we will determine the amount of additional premium for the current\n\npolicy term, and follow the procedure in VII.D.3.a above.\n\n- (2) If we do not receive the information within 60 days of our request, no claims will be paid until the requested information is provided. Coverage will be limited to the amount of coverage that can be purchased for the payments we received, as determined when the requested information is provided.\n4. Coverage Increases. If we do not receive the amounts requested in VII.D.3.a or the additional information requested in VII.D.3.b by the date it is due, the amount of coverage under this policy can only be increased by endorsement subject to the appropriate waiting period. However, no coverage increases will be allowed until you have provided the information requested in VII.D.3.b.\n5. Falsifying Information. However, if we find that you or your agent intentionally did not tell us, or falsified any important fact or circumstance or did anything fraudulent relating to this insurance, the provisions of VIII.A apply.\n\n## E. Policy Renewal\n\n1. This policy will expire at 12:01 a.m. on the last day of the policy term.\n2. We must receive the payment of the appropriate renewal premium within 30 days of the expiration date.\n3. If we find, however, that we did not place your renewal notice into the U.S. Postal Service, or if we did mail it, we made a mistake, e.g., we used an incorrect, incomplete, or illegible address, which delayed its delivery to you before the due date for the renewal premium, then we will follow these procedures:\n- a. If you or your agent notified us, not later than one year after the date on which the payment of the renewal premium was due, of non-receipt of a renewal notice before the due date for the renewal premium, and we determine that the circumstances in the preceding paragraph apply, we will mail a second bill providing a revised due date, which will be 30 days after the date on which the bill is mailed.\n- b. If we do not receive the premium requested in the second bill by the revised due date, then we will not renew the policy. In that case, the policy will remain an expired policy as of the expiration date shown on the Declarations Page.\n4. In connection with the renewal of this policy, we may ask you during the policy term to recertify, on a Recertification Questionnaire we will provide to you, the rating information used to rate your most recent application for or renewal of insurance.\n- F. Conditions Suspending or Restricting Insurance\n\nWe are not liable for loss that occurs while there is a hazard that is increased by any means within your control or knowledge.\n\n- G. Requirements in Case of Loss\n\nIn case of a flood loss to insured property, you must:\n\n1. Give prompt written notice to us.\n2. As soon as reasonably possible, separate the damaged and\n\nundamaged property, putting it in the best possible order so that we may examine it.\n\n3. Prepare an inventory of damaged property showing the quantity, description, actual cash value, and amount of loss. Attach all bills, receipts, and related documents.\n4. Within 60 days after the loss, send us a proof of loss, which is your statement of the amount you are claiming under the policy signed and sworn to by you, and which furnishes us with the following information:\n- a. The date and time of loss;\n- b. A brief explanation of how the loss happened;\n- c. Your interest (for example, 'owner') and the interest, if any, of others in the damaged property;\n- d. Details of any other insurance that may cover the loss;\n- e. Changes in title or occupancy of the insured property during the term of the policy;\n- f. Specifications of damaged buildings and detailed repair estimates;\n- g. Names of mortgagees or anyone else having a lien,\n\ncharge, or claim against the insured property;\n\n- h. Details about who occupied any insured building at the time of loss and for what purpose; and\n- i. The inventory of damaged personal property described in G.3 above.\n5. In completing the proof of loss, you must use your own judgment concerning the amount of loss and justify that amount.\n6. You must cooperate with the adjuster or representative in the investigation of the claim.\n7. The insurance adjuster whom we hire to investigate your claim may furnish you with a proof of loss form, and she or he may help you complete it. However, this is a matter of courtesy only, and you must still send us a proof of loss within 60 days after the loss even if the adjuster does not furnish the form or help you complete it.\n8. We have not authorized the adjuster to approve or disapprove claims or to tell you whether we will approve your claim.\n9. At our option, we may accept the adjuster's report of the loss instead of your proof of loss. The adjuster's report will include information about your loss and the damages you sustained. You must sign the adjuster's report. At our option, we may require you to swear to the report.\n\nH. Our Options After a Loss\n\nOptions we may, in our sole discretion, exercise after loss include the following:\n\n1. At such reasonable times and places that we may designate, you must:\n- a. Show us or our representative the damaged property;\n- b. Submit to examination under oath, while not in the presence of another insured, and sign the same; and\n- c. Permit us to examine and make extracts and copies of:\n- (1) Any policies of property insurance insuring you against loss and the deed establishing your ownership of the insured real property;\n- (2) Condominium association documents including the Declarations of the condominium, its Articles of Association or Incorporation, Bylaws, rules and regulations, and other relevant documents if you are a unit owner in a condominium building; and\n- (3) All books of accounts, bills, invoices and other vouchers, or certified copies pertaining to the damaged property if the originals are lost.\n2. We may request, in writing, that you furnish us with a complete\n\ninventory of the lost, damaged or destroyed property, including:\n\n- a. Quantities and costs;\n- b. Actual cash values or replacement cost (whichever is appropriate);\n- c. Amounts of loss claimed;\n- d. Any written plans and specifications for repair of the damaged property that you can reasonably make available to us; and\n- e. Evidence that prior flood damage has been repaired.\n3. If we give you written notice within 30 days after we receive your signed, sworn proof of loss, we may:\n- a. Repair, rebuild, or replace any part of the lost, damaged, or destroyed property with material or property of like kind and quality or its functional equivalent; and\n- b. Take all or any part of the damaged property at the value that we agree upon or its appraised value.\n- I. No Benefit to Bailee\n\nNo person or organization, other than you, having custody of insured property will benefit from this insurance.\n\n## J. Loss Payment\n\n1. We will adjust all losses with you. We will pay you unless some other person or entity is named in the policy or is legally entitled to receive payment. Loss will be payable 60 days after we receive your proof of loss (or within 90 days after the insurance adjuster files the adjuster's report signed and sworn to by you in lieu of a proof of loss) and:\n- a. We reach an agreement with you;\n- b. There is an entry of a final judgment; or\n- c. There is a filing of an appraisal award with us, as provided in VII.M.\n2. If we reject your proof of loss in whole or in part you may:\n- a. Accept our denial of your claim;\n- b. Exercise your rights under this policy; or\n- c. File an amended proof of loss as long as it is filed within 60 days of the date of the loss.\n\n## K. Abandonment\n\nYou may not abandon to us damaged or undamaged property insured under this policy.\n\n## L. Salvage\n\nWe may permit you to keep damaged property insured under this policy after a loss, and we will reduce the amount of the loss proceeds payable to you under the policy by the value of the salvage.\n\n## M. Appraisal\n\nIf you and we fail to agree on the actual cash value or, if applicable, replacement cost of your damaged property to settle upon the amount of loss, then either may demand an appraisal of the loss. In this event, you and we will each choose a competent and impartial appraiser within 20 days after receiving a written request from the other. The two appraisers will choose an umpire. If they cannot agree upon an umpire within 15 days, you or we may request that the choice be made by a judge of a court of record in the state where the insured property is located. The appraisers will separately state the actual cash value, the replacement cost, and the amount of loss to each item. If the appraisers submit a written report of an agreement to us, the amount agreed upon will be the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will set the amount of actual cash value and loss, or if it applies, the replacement cost and loss.\n\n## Each party will:\n\n1. Pay its own appraiser; and\n2. Bear the other expenses of the appraisal and umpire equally.\n\n## N. Mortgage Clause\n\n## 1. The word 'mortgagee' includes trustee.\n\n2. Any loss payable under Coverage A-Building Property will be paid to any mortgagee of whom we have actual notice, as well as any other mortgagee or loss payee determined to exist at the time of loss, and you, as interests appear. If more than one mortgagee is named, the order of payment will be the same as the order of precedence of the mortgages.\n3. If we deny your claim, that denial will not apply to a valid claim of the mortgagee, if the mortgagee:\n- a. Notifies us of any change in the ownership or occupancy, or substantial change in risk of which the mortgagee is aware;\n- b. Pays any premium due under this policy on demand if you have neglected to pay the premium; and\n- c. Submits a signed, sworn proof of loss within 60 days after receiving notice from us of your failure to do so.\n\n4. All of the terms of this policy apply to the mortgagee.\n5. The mortgagee has the right to receive loss payment even if the mortgagee has started foreclosure or similar action on the building.\n6. If we decide to cancel or not renew this policy, it will continue in effect for the benefit of the mortgagee only for 30 days after we notify the mortgagee of the cancellation or non-renewal.\n7. If we pay the mortgagee for any loss and deny payment to you, we are subrogated to all the rights of the mortgagee granted under the mortgage on the property. Subrogation will not impair the right of the mortgagee to recover the full amount of the mortgagee's claim.\n- O. Suit Against Us\n\nYou may not sue us to recover money under this policy unless you have complied with all the requirements of the policy. If you do sue, you must start the suit within one year after the date of the written denial of all or part of the claim, and you must file the suit in the United States District Court of the district in which the insured property was located at the time of loss. This requirement applies to any claim that you may have under this policy and to any dispute that you may have arising out of the handling of any claim under the policy.\n\n- P. Subrogation\n\nWhenever we make a payment for a loss under this policy, we are subrogated to your right to recover for that loss from any other person. That means that your right to recover for a loss that was partly or totally caused by someone else is automatically transferred to us, to the extent that we have paid you for the loss. We may require\n\nyou to acknowledge this transfer in writing. After the loss, you may not give up our right to recover this money or do anything that would prevent us from recovering it. If you make any claim against any person who caused your loss and recover any money, you must pay us back first before you may keep any of that money.\n\n- Q. Continuous Lake Flooding\n1. If an insured building has been flooded by rising lake waters continuously for 90 days or more and it appears reasonably certain that a continuation of this flooding will result in an insured loss to the insured building equal to or greater than the building policy limits plus the deductible or the maximum payable under the policy for any one building loss, we will pay you the lesser of these two amounts without waiting for the further\n\ndamage to occur if you sign a release agreeing:\n\n- a. To make no further claim under this policy;\n- b. Not to seek renewal of this policy;\n- c. Not to apply for any flood insurance under the Act for property at the described location;\n- d. Not to seek a premium refund for current or prior terms.\n\nIf the policy term ends before the insured building has been flooded continuously for 90 days, the provisions of this paragraph Q.1 will apply when the insured building suffers a covered loss before the policy term ends.\n\n2. If your insured building is subject to continuous lake flooding from a closed basin lake, you may elect to file a claim under either paragraph Q.1 above or Q.2 (A 'closed basin lake' is a natural lake from which water leaves primarily through evaporation and whose surface area now exceeds or has exceeded one square mile at any time in the recorded past. Most of the nation's closed basin lakes are in the western half of the United\n\nStates where annual evaporation exceeds annual precipitation and where lake levels and surface areas are subject to considerable fluctuation due to wide variations in the climate. These lakes may overtop their basins on rare occasions.) Under this paragraph Q.2, we will pay your claim as if the building is a total loss even though it has not been continuously inundated for 90 days, subject to the following conditions:\n\n- a. Lake floodwaters must damage or imminently threaten to damage your building.\n- b. Before approval of your claim, you must:\n- (1) Agree to a claim payment that reflects your buying back the salvage on a negotiated basis; and\n- (2) Grant the conservation easement described in FEMA's 'Policy Guidance for Closed Basin Lakes' to be recorded in the office of the local recorder of deeds. FEMA, in consultation with the community in which the property is located, will identify on a map an area or areas\n\nof special consideration (ASC) in which there is a potential for flood damage from continuous lake flooding. FEMA will give the community the agreedupon map showing the ASC. This easement will only apply to that portion of the property in the ASC. It will allow certain agricultural and recreational uses of the land. The only structures it will allow on any portion of the property within the ASC are certain simple agricultural and recreational structures. If any of these allowable structures are insurable buildings under the NFIP and are insured under the NFIP, they will not be eligible for the benefits of this paragraph Q.2. If a U.S. Army Corps of Engineers certified flood control project or otherwise certified flood control project later protects the property, FEMA will, upon request, amend the ASC to remove areas protected by those projects. The restrictions of the easement will then no longer apply to any portion of the\n\n- property removed from the ASC; and\n- (3) Comply with paragraphs Q.1.a through Q.1.d above.\n- c. Within 90 days of approval of your claim, you must move your building to a new location outside the ASC. FEMA will give you an additional 30 days to move if you show there is sufficient reason to extend the time.\n- d. Before the final payment of your claim, you must acquire an elevation certificate and a floodplain development permit from the local floodplain administrator for the new location of your building.\n- e. Before the approval of your claim, the community having jurisdiction over your building must:\n- (1) Adopt a permanent land use ordinance, or a temporary moratorium for a period not to exceed 6 months to be followed immediately by a permanent land use ordinance that is consistent with the provisions specified in the easement required in paragraph Q.2.b above;\n\n- (2) Agree to declare and report any violations of this ordinance to FEMA so that under Section 1316 of the National Flood Insurance Act of 1968, as amended, flood insurance to the building can be denied; and\n- (3) Agree to maintain as deedrestricted, for purposes compatible with open space or agricultural or recreational use only, any affected property the community acquires an interest in. These deed restrictions must be consistent with the provisions of paragraph Q.2.b above, except that, even if a certified project protects the property, the land use restrictions continue to apply if the property was acquired under the Hazard Mitigation Grant Program or the Flood Mitigation Assistance Program. If a non-profit land trust organization receives the property as a donation, that organization must maintain the property as deed-restricted, consistent\n3. with the provisions of paragraph Q2.b above.\n- f. Before the approval of your claim, the affected State must take all action set forth in FEMA's 'Policy Guidance for Closed Basin Lakes.'\n- g. You must have NFIP flood insurance coverage con tinuously in effect from a date established by FEMA until you file a claim under paragraph Q.2. If a subsequent owner buys NFIP insurance that goes into effect within 60 days of the date of transfer of title, any gap in coverage during that 60-day period will not be a violation of this continuous coverage requirement. For the purpose of honoring a claim under this paragraph Q.2, we will not consider to be in effect any increased coverage that became effective after the date established by FEMA. The exception to this is any increased coverage in the amount suggested by your insurer as an inflation adjustment.\n- h. This paragraph Q.2 will be in effect for a community when the FEMA Regional Administrator for the affected region provides\n\n## to the community, in writing, the following:\n\n- (1) Confirmation that the community and the State are in compliance with the conditions in paragraphs Q.2.e and Q.2.f above; and\n\n## (2) The date by which you must have flood insurance in effect.\n\n## R. Loss Settlement\n\n1. Introduction\n\nThis policy provides three methods of settling losses: Replacement Cost, Special Loss Settlement, and Actual Cash Value. Each method is used for a different type of property, as explained in paragraphs a-c below.\n\n- a. Replacement Cost Loss Set tlement , described in R.2 below, applies to a singlefamily dwelling provided:\n\n## (1) It is your principal residence; and\n\n- (2) At the time of loss, the amount of insurance in this policy that applies to the dwelling is 80 percent or more of its full replacement cost immediately before the loss, or is the maximum amount of insurance available under the NFIP.\n- b. Special Loss Settlement , described in R.3 below, applies to a single-family dwelling that is a manufactured or mobile home or a travel trailer.\n- c. Actual Cash Value Loss Settlement applies to a single-family dwelling not subject to replacement cost or special loss settlement, and to the property listed in R.4 below.\n2. Replacement Cost Loss Settlement\n\nThe following loss settlement conditions apply to a single-family dwelling described in R.1.a above:\n\n- a. We will pay to repair or replace the damaged dwelling after application of the deductible and without deduction for depreciation, but not more than the least of the following amounts:\n- (1) The building limit of liability shown on your Declarations Page;\n- (2) The replacement cost of that part of the dwelling damaged, with materials of like kind and quality and for like use; or\n- (3) The necessary amount actually spent to repair or replace the damaged part of the dwelling for like use.\n- b. If the dwelling is rebuilt at a new location, the cost described above is limited to the cost that would have been incurred if the dwelling had been rebuilt at its former location.\n- c. When the full cost of repair or replacement is more than $1,000, or more than 5 percent of the whole amount of insurance that applies to the dwelling, we will not be liable for any loss under R.2.a above or R.4.a.2 below unless and until actual repair or replacement is completed.\n- d. You may disregard the replacement cost conditions above and make claim under this policy for loss to dwellings on an actual cash value basis. You may then make claim for any additional liability according to R.2.a, b, and c above, provided you notify us of your intent to do so within 180 days after the date of loss.\n- e. If the community in which your dwelling is located has been converted from the Emergency Program to the Regular Program during the current policy term, then we will consider the maximum amount of available NFIP insurance to be the amount that was available at the beginning of the current policy term.\n3. Special Loss Settlement\n- a. The following loss settlement conditions apply to a single-family dwelling that:\n- (1) is a manufactured or mobile home or a travel trailer, as defined in II.C.6.b and c;\n\n- (2) is at least 16 feet wide when fully assembled and has an area of at least 600 square feet within its perimeter walls when fully assembled; and\n- (3) is your principal residence as specified in R.1.a.1 above.\n- b. If such a dwelling is totally destroyed or damaged to such an extent that, in our judgment, it is not economically feasible to repair, at least to its pre-damage condition, we will, at our discretion pay the least of the following amounts:\n- (1) The lesser of the replacement cost of the dwelling or 1.5 times the actual cash value; or\n- (2) The building limit of liability shown on your Declarations Page.\n- c. If such a dwelling is partially damaged and, in our judgment, it is economically feasible to repair it to its pre-damage condition, we will settle the loss according to the Replacement Cost conditions in R.2 above.\n\n## 4. Actual Cash Value Loss Settlement\n\nThe types of property noted below are subject to actual cash value (or in the case of R.4.a.2., below, proportional) loss settlement.\n\n- a. A dwelling, at the time of loss, when the amount of insurance on the dwelling is both less than 80 percent of its full replacement cost immediately before the loss and less than the maximum amount of insurance available under the NFIP. In that case, we will pay the greater of the following amounts, but not more than the amount of insurance that applies to that dwelling:\n- (1) The actual cash value, as defined in II.C.2, of the damaged part of the dwelling; or\n- (2) A proportion of the cost to repair or replace the damaged part of the dwelling, without deduction for physical depreciation and after application of the deductible.\n\nThis proportion is determined as follows: If 80 percent of the full replacement cost of the dwelling is less than the maximum amount of insurance available under the NFIP, then the proportion is determined by dividing the actual amount of insurance on the dwelling by the amount of insurance that represents 80 percent of its full replacement cost. But if 80 percent of the full replacement cost of the dwelling is greater than the maximum amount of insurance available under the NFIP, then the proportion is determined by dividing the actual amount of insurance on the dwelling by the maximum amount of insurance available under the NFIP.\n\n- b. A two-, three-, or four-family dwelling.\n- c. A unit that is not used exclusively for singlefamily dwelling purposes.\n- d. Detached garages.\n- e. Personal property.\n- f. Appliances, carpets, and carpet pads.\n- g. Outdoor awnings, outdoor antennas or aerials of any type, and other outdoor equipment.\n- h. Any property insured under this policy that is abandoned after a loss and remains as debris anywhere on the described location.\n- i. A dwelling that is not your principal residence.\n\n## 5. Amount of Insurance Required\n\nTo determine the amount of insurance required for a dwelling immediately before the loss, we do not include the value of:\n\n- a. Footings, foundations, piers, or any other structures or devices that are below the undersurface of the lowest basement floor and support all or part of the dwelling;\n- b. Those supports listed in R.5.a above, that are below the surface of the ground inside the foundation walls if there is no basement; and\n- c. Excavations and underground flues, pipes, wiring, and drains.\n\nNote: The Coverage D-Increased Cost of Compliance limit of liability is not included in the determination of the amount of insurance required.\n\n## VIII. POLICY NULLIFICATION, CANCELLATION, AND NON-RENEWAL\n\n- A. Policy Nullification for Fraud, Misrepresentation, or Making False Statements\n1. With respect to all insureds under this policy, this policy is void and has no legal force and effect if at any time, before or after a loss, you or any other insured or your agent have, with respect to this policy or any other NFIP insurance:\n- a. Concealed or misrepresented any material fact or circumstance;\n- b. Engaged in fraudulent conduct; or\n- c. Made false statements.\n2. Policies voided under A.1 cannot be renewed or replaced by a new NFIP policy.\n3. Policies are void as of the date the acts described in A.1 above were committed.\n4. Fines, civil penalties, and imprisonment under applicable Federal laws may also apply to the acts of fraud or concealment described above.\n- B. Policy Nullification for Reasons Other Than Fraud\n1. This policy is void from its inception, and has no legal force or effect, if:\n- a. The property listed on the application is located in a community that was not participating in the NFIP on this policy's inception date and did not join or reenter the program during the policy term and before the loss occurred;\n- b. The property listed on the application is otherwise not eligible for coverage under the NFIP at the time of the initial application;\n- c. You never had an insurable interest in the property listed on the application;\n- d. You provided an agent with an application and payment, but the payment did not clear; or\n- e. We receive notice from you, prior to the policy effective date, that you have determined not to take the policy and you are not subject to a requirement to obtain and maintain flood insurance pursuant to any statute, regulation, or contract.\n2. In such cases, you will be entitled to a full refund of all premium, fees, and surcharges received. However, if a claim was paid for a policy that is void, the claim payment must be returned to FEMA or offset from the premiums to be refunded before the refund will be processed.\n\n## C. Cancellation of the Policy by You\n\n1. You may cancel this policy in accordance with the terms and conditions of this policy and the applicable rules and regulations of the NFIP.\n2. If you cancel this policy, you may be entitled to a full or partial refund of premium, surcharges, or fees under the terms and conditions of this policy and the applicable rules and regulations of the NFIP.\n\n## D. Cancellation of the Policy by Us\n\n1. Cancellation for Underpayment of Amounts Owed on Policy. This policy will be cancelled, pursuant to VII.D.2, if it is determined that the premium amount you paid is not sufficient to buy any amount of coverage, and you do not pay the additional amount of premium owed to increase the coverage to the originally requested amount within the required time period.\n\n## 2. Cancellation Due to Lack of an Insurable Interest.\n\n- a. If you no longer have an insurable interest in the insured property, we will cancel this policy. You will cease to have an insurable interest if:\n- (1) For building coverage, the building was sold, destroyed, or removed.\n- (2) For contents coverage, the contents were sold or transferred ownership, or the contents were\n\ncompletely removed from the described location.\n\n- b. If your policy is cancelled for this reason, you may be entitled to a partial refund of premium under the applicable rules and regulations of the NFIP.\n\n## 3. Cancellation of Duplicate Policies\n\n- a. Except as allowed under Article I.G, your property may not be insured by more than one NFIP policy, and payment for damages to your property will only be made under one policy.\n- b. Except as allowed under Article I.G, if the property is insured by more than one NFIP policy, we will cancel all but one of the policies. The policy, or policies, will be selected for cancellation in accordance with 44 CFR 62.5 and the applicable rules and guidance of the NFIP.\n- c. If this policy is cancelled pursuant to VIII.D.4.b, you may be entitled to a full or partial refund of premium, surcharges, or fees under the terms and conditions of this policy and the applicable rules and regulations of the NFIP.\n\n## 4. Cancellation Due to Physical Alteration of Property\n\n- a. If the insured building has been physically altered in such a manner that it is no longer eligible for flood insurance coverage, we will cancel this policy.\n\n## of this policy and the applicable rules and regulations of the NFIP.\n\n## E. Non-Renewal of the Policy by Us\n\nYour policy will not be renewed if:\n\n1. The community where your insured property is located is suspended or stops participating in the NFIP;\n- b. If your policy is cancelled for this reason, you may be entitled to a partial refund of premium under the terms and conditions\n2. Your building is otherwise ineligible for flood insurance under the Act;\n3. You have failed to provide the information we requested for the purpose of rating the policy within the required deadline.\n\n## IX. LIBERALIZATION CLAUSE\n\nIf we make a change that broadens your coverage under this edition of our policy, but does not require any additional premium, then that change will automatically apply to your insurance as of the date we implement the change, provided that this implementation date falls within 60 days before or during the policy term stated on the Declarations Page.\n\n## X. WHAT LAW GOVERNS\n\nThis policy and all disputes arising from the insurer's policy issuance, policy administration, or the handling of any claim under the policy are governed exclusively by the flood insurance regulations issued by FEMA, the National Flood Insurance Act of 1968, as amended (42 U.S.C. 4001, et seq.), and Federal common law.\n\nIn Witness Whereof, we have signed this policy below and hereby enter into this Insurance Agreement.\n\n\n\nDeputy Associate Administrator Federal Insurance and Mitigation Administration", + "document": { + "schema_name": "DoclingDocument", + "version": "1.10.0", + "name": "document", + "origin": { + "mimetype": "application/pdf", + "binary_hash": 8965253227783007860, + "filename": "document.pdf" + }, + "furniture": { + "self_ref": "#/furniture", + "children": [], + "content_layer": "furniture", + "name": "_root_", + "label": "unspecified" + }, + "body": { + "self_ref": "#/body", + "children": [ + { + "$ref": "#/texts/0" + }, + { + "$ref": 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MANAGEMENT AGENCY, FEDERAL INSURANCE AND MITIGATION ADMINISTRATION", + "text": "FEDERAL EMERGENCY MANAGEMENT AGENCY, FEDERAL INSURANCE AND MITIGATION ADMINISTRATION" + }, + { + "self_ref": "#/texts/5", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 216.4612, + "t": 729.5581, + "r": 395.3619219999998, + "b": 718.2008221006564, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 31 + ] + } + ], + "orig": "Standard Flood Insurance Policy", + "text": "Standard Flood Insurance Policy" + }, + { + "self_ref": "#/texts/6", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 234.3755, + "t": 703.8041000000001, + "r": 377.42749999999984, + "b": 682.7205713804714, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "Dwelling Form", + "text": "Dwelling Form", + "level": 1 + }, + { + "self_ref": "#/texts/7", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 62.7952, + "t": 668.7001, + "r": 549.0010299999989, + "b": 659.9152964085298, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 119 + ] + } + ], + "orig": "Please read the policy carefully. The flood insurance provided is subject to limitations, restrictions, and exclusions.", + "text": "Please read the policy carefully. The flood insurance provided is subject to limitations, restrictions, and exclusions." + }, + { + "self_ref": "#/texts/8", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 268.9194, + "t": 640.3861, + "r": 342.90540000000004, + "b": 630.8202927194861, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 12 + ] + } + ], + "orig": "I. AGREEMENT", + "text": "I. AGREEMENT", + "level": 1 + }, + { + "self_ref": "#/texts/9", + "parent": { + "$ref": "#/groups/0" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 44.82, + "t": 609.6001, + "r": 292.5885000000002, + "b": 600.8152964085298, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 60 + ] + } + ], + "orig": "A. This policy insures the following types of property only:", + "text": "This policy insures the following types of property only:", + "enumerated": true, + "marker": "A." + }, + { + "self_ref": "#/texts/10", + "parent": { + "$ref": "#/groups/0" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 58.32, + "t": 592.1001, + "r": 298.99377000000015, + "b": 570.3637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 88 + ] + } + ], + "orig": "1. A one to four family residential building, not under a condominium form of ownership;", + "text": "A one to four family residential building, not under a condominium form of ownership;", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/11", + "parent": { + "$ref": "#/groups/0" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 314.91, + "t": 609.6001, + "r": 569.9926199999999, + "b": 574.8637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 178 + ] + } + ], + "orig": "E. This policy insures only one building. If you own more than one building, coverage will apply to the single building specifically described in the Flood Insurance Application.", + "text": "This policy insures only one building. If you own more than one building, coverage will apply to the single building specifically described in the Flood Insurance Application.", + "enumerated": true, + "marker": "E." + }, + { + "self_ref": "#/texts/12", + "parent": { + "$ref": "#/groups/0" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 58.32, + "t": 561.6001, + "r": 281.08665, + "b": 539.8044340857788, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 63 + ] + } + ], + "orig": "2. A single-family dwelling unit in a condominium building; and", + "text": "A single-family dwelling unit in a condominium building; and", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/13", + "parent": { + "$ref": "#/groups/0" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 58.32, + "t": 531.1001, + "r": 213.3498599999999, + "b": 522.3637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 35 + ] + } + ], + "orig": "3. Personal property in a building.", + "text": "Personal property in a building.", + "enumerated": true, + "marker": "3." + }, + { + "self_ref": "#/texts/14", + "parent": { + "$ref": "#/groups/0" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 44.82, + "t": 510.00010000000003, + "r": 299.90757000000013, + "b": 462.26373238512036, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 216 + ] + } + ], + "orig": "B. The Federal Emergency Management Agency (FEMA) provides flood insurance under the terms of the National Flood Insurance Act of 1968 and its amendments, and Title 44 of the Code of Federal Regulations.", + "text": "The Federal Emergency Management Agency (FEMA) provides flood insurance under the terms of the National Flood Insurance Act of 1968 and its amendments, and Title 44 of the Code of Federal Regulations.", + "enumerated": true, + "marker": "B." + }, + { + "self_ref": "#/texts/15", + "parent": { + "$ref": "#/groups/0" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 44.82, + "t": 449.9001, + "r": 299.8749000000002, + "b": 428.16373238512034, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 93 + ] + } + ], + "orig": "C. We will pay you for direct physical loss by or from flood to your insured property if you:", + "text": "We will pay you for direct physical loss by or from flood to your insured property if you:", + "enumerated": true, + "marker": "C." + }, + { + "self_ref": "#/texts/16", + "parent": { + "$ref": "#/groups/0" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 58.32, + "t": 419.4001, + "r": 299.87345000000005, + "b": 397.66373238512034, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 87 + ] + } + ], + "orig": "1. Have paid the full amount due (including applicable premiums, surcharges, and fees);", + "text": "Have paid the full amount due (including applicable premiums, surcharges, and fees);", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/17", + "parent": { + "$ref": "#/groups/0" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 58.32, + "t": 388.9001, + "r": 275.23730000000006, + "b": 367.1044340857788, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 59 + ] + } + ], + "orig": "2. Comply with all terms and conditions of this policy; and", + "text": "Comply with all terms and conditions of this policy; and", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/18", + "parent": { + "$ref": "#/groups/0" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 58.32, + "t": 358.4001, + "r": 242.3792, + "b": 336.66373238512034, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 54 + ] + } + ], + "orig": "3. Have furnished accurate information and statements.", + "text": "Have furnished accurate information and statements.", + "enumerated": true, + "marker": "3." + }, + { + "self_ref": "#/texts/19", + "parent": { + "$ref": "#/groups/0" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 44.82, + "t": 324.3001, + "r": 299.8709400000002, + "b": 302.5637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 114 + ] + } + ], + "orig": "D. We have the right to review the information you give us at any time and revise your policy based on our review.", + "text": "We have the right to review the information you give us at any time and revise your policy based on our review.", + "enumerated": true, + "marker": "D." + }, + { + "self_ref": "#/texts/20", + "parent": { + "$ref": "#/groups/0" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 314.91, + "t": 562.5001, + "r": 570.0054899999998, + "b": 475.7637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 377 + ] + } + ], + "orig": "F. Subject to the exception in I.G below, multiple policies with building coverage cannot be issued to insure a single building to one insured or to different insureds, even if separate policies were issued through different NFIP insurers. Payment for damages may only be made under a single policy for building damages under Coverage ABuilding Property.", + "text": "Subject to the exception in I.G below, multiple policies with building coverage cannot be issued to insure a single building to one insured or to different insureds, even if separate policies were issued through different NFIP insurers. Payment for damages may only be made under a single policy for building damages under Coverage ABuilding Property.", + "enumerated": true, + "marker": "F." + }, + { + "self_ref": "#/texts/21", + "parent": { + "$ref": "#/groups/0" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 314.91, + "t": 463.4001, + "r": 569.9787600000002, + "b": 428.66373238512034, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 180 + ] + } + ], + "orig": "G. A Dwelling Form policy with building coverage may be issued to a unit owner in a condominium building that is also insured under a Residential Condominium", + "text": "A Dwelling Form policy with building coverage may be issued to a unit owner in a condominium building that is also insured under a Residential Condominium", + "enumerated": true, + "marker": "G." + }, + { + "self_ref": "#/texts/22", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 314.90830000000005, + "t": 422.8881, + "r": 571.5289000000002, + "b": 267.11646080178184, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 313 + ] + } + ], + "orig": "Building Association Policy (RCBAP). However, no more than $250,000 may be paid in combined benefits for a single unit under the Dwelling Form policy and the RCBAP. We will only pay for damage once. Items of damage paid for under an RCBAP cannot also be claimed under the Dwelling Form policy.", + "text": "Building Association Policy (RCBAP). However, no more than $250,000 may be paid in combined benefits for a single unit under the Dwelling Form policy and the RCBAP. We will only pay for damage once. Items of damage paid for under an RCBAP cannot also be claimed under the Dwelling Form policy." + }, + { + "self_ref": "#/texts/23", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 267.1321, + "t": 244.5861, + "r": 344.69420000000014, + "b": 235.02029271948606, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 15 + ] + } + ], + "orig": "II. DEFINITIONS", + "text": "II. DEFINITIONS", + "level": 1 + }, + { + "self_ref": "#/texts/24", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 44.82, + "t": 212.90010000000007, + "r": 299.89173000000017, + "b": 113.16373238512028, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 475 + ] + } + ], + "orig": "A. In this policy, 'you' and 'your' refer to the named insured(s) shown on the Declarations Page of this policy and the spouse of the named insured, if a resident of the same household. Insured(s) also includes: Any mortgagee and loss payee named in the Application and Declarations Page, as well as any other mortgagee or loss payee determined to exist at the time of loss, in the order of precedence. 'We,' 'us,' and 'our' refer to the insurer.", + "text": "A. In this policy, 'you' and 'your' refer to the named insured(s) shown on the Declarations Page of this policy and the spouse of the named insured, if a resident of the same household. Insured(s) also includes: Any mortgagee and loss payee named in the Application and Declarations Page, as well as any other mortgagee or loss payee determined to exist at the time of loss, in the order of precedence. 'We,' 'us,' and 'our' refer to the insurer." + }, + { + "self_ref": "#/texts/25", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 44.821200000000005, + "t": 104.40009999999995, + "r": 299.90361, + "b": 69.66373238512028, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 134 + ] + } + ], + "orig": "Some definitions are complex because they are provided as they appear in the law or regulations, or result from court cases.", + "text": "Some definitions are complex because they are provided as they appear in the law or regulations, or result from court cases." + }, + { + "self_ref": "#/texts/26", + "parent": { + "$ref": "#/groups/1" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 314.91, + "t": 212.90010000000007, + "r": 553.6595999999998, + "b": 204.11529640852973, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 57 + ] + } + ], + "orig": "B. Flood , as used in this flood insurance policy, means:", + "text": "Flood , as used in this flood insurance policy, means:", + "enumerated": true, + "marker": "B." + }, + { + "self_ref": "#/texts/27", + "parent": { + "$ref": "#/groups/1" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 328.41, + "t": 195.40010000000007, + "r": 569.9975400000006, + "b": 147.66373238512028, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 195 + ] + } + ], + "orig": "1. A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (one of which is your property) from:", + "text": "A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (one of which is your property) from:", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/28", + "parent": { + "$ref": "#/groups/1" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 346.41, + "t": 138.90010000000007, + "r": 508.6114199999994, + "b": 130.16373238512028, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 38 + ] + } + ], + "orig": "a. Overflow of inland or tidal waters;", + "text": "Overflow of inland or tidal waters;", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/29", + "parent": { + "$ref": "#/groups/1" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 346.41, + "t": 122.30010000000004, + "r": 557.1451799999999, + "b": 100.56373238512037, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 78 + ] + } + ], + "orig": "b. Unusual and rapid accumulation or runoff of surface waters from any source;", + "text": "Unusual and rapid accumulation or runoff of surface waters from any source;", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/30", + "parent": { + "$ref": "#/groups/1" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 346.41, + "t": 92.70010000000002, + "r": 403.19226, + "b": 83.96373238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 11 + ] + } + ], + "orig": "c. Mudflow.", + "text": "Mudflow.", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/31", + "parent": { + "$ref": "#/groups/1" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 328.41, + "t": 75.20010000000002, + "r": 569.9678400000009, + "b": 53.46373238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 107 + ] + } + ], + "orig": "2. Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion", + "text": "Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/32", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 44.91, + "t": 36.13409999999999, + "r": 157.14630000000002, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/33", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 3, + "bbox": { + "l": 511.695, + "t": 36.13409999999999, + "r": 567.081, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 12 + ] + } + ], + "orig": "PAGE 1 OF 30", + "text": "PAGE 1 OF 30" + }, + { + "self_ref": "#/texts/34", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 76.5, + "t": 747.0001, + "r": 299.9717100000002, + "b": 712.2637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 151 + ] + } + ], + "orig": "or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined in B.1.a above.", + "text": "or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined in B.1.a above." + }, + { + "self_ref": "#/texts/35", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 45.0, + "t": 699.9001000000001, + "r": 299.9994600000001, + "b": 678.1637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 77 + ] + } + ], + "orig": "C. The following are the other key definitions we use in this policy:", + "text": "C. The following are the other key definitions we use in this policy:" + }, + { + "self_ref": "#/texts/36", + "parent": { + "$ref": "#/groups/2" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 58.5, + "t": 669.4001000000001, + "r": 299.9637900000001, + "b": 647.6637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 74 + ] + } + ], + "orig": "1. Act. The National Flood Insurance Act of 1968 and any amendments to it.", + "text": "Act. The National Flood Insurance Act of 1968 and any amendments to it.", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/37", + "parent": { + "$ref": "#/groups/2" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 58.5, + "t": 638.9001000000001, + "r": 299.9499300000001, + "b": 604.1637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 135 + ] + } + ], + "orig": "2. Actual Cash Value. The cost to replace an insured item of property at the time of loss, less the value of its physical depreciation.", + "text": "Actual Cash Value. The cost to replace an insured item of property at the time of loss, less the value of its physical depreciation.", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/38", + "parent": { + "$ref": "#/groups/2" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 58.5, + "t": 595.4001000000001, + "r": 299.9717100000001, + "b": 521.6637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 311 + ] + } + ], + "orig": "3. Application. The statement made and signed by you or your agent in applying for this policy. The application gives information we use to determine the eligibility of the risk, the kind of policy to be issued, and the correct premium payment. The application is part of this flood insurance policy.", + "text": "Application. The statement made and signed by you or your agent in applying for this policy. The application gives information we use to determine the eligibility of the risk, the kind of policy to be issued, and the correct premium payment. The application is part of this flood insurance policy.", + "enumerated": true, + "marker": "3." + }, + { + "self_ref": "#/texts/39", + "parent": { + "$ref": "#/groups/2" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 58.5, + "t": 512.9001, + "r": 299.9449800000002, + "b": 491.16373238512034, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 98 + ] + } + ], + "orig": "4. Base Flood. A flood having a one percent chance of being equaled or exceeded in any given year.", + "text": "Base Flood. A flood having a one percent chance of being equaled or exceeded in any given year.", + "enumerated": true, + "marker": "4." + }, + { + "self_ref": "#/texts/40", + "parent": { + "$ref": "#/groups/2" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 58.5, + "t": 482.4001, + "r": 299.9657700000002, + "b": 447.66373238512034, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 147 + ] + } + ], + "orig": "5. Basement. Any area of a building, including any sunken room or sunken portion of a room, having its floor below ground level on all sides.", + "text": "Basement. Any area of a building, including any sunken room or sunken portion of a room, having its floor below ground level on all sides.", + "enumerated": true, + "marker": "5." + }, + { + "self_ref": "#/texts/41", + "parent": { + "$ref": "#/groups/2" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 58.5, + "t": 438.9001, + "r": 111.38957999999995, + "b": 430.11529640852973, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 11 + ] + } + ], + "orig": "6. Building", + "text": "Building", + "enumerated": true, + "marker": "6." + }, + { + "self_ref": "#/texts/42", + "parent": { + "$ref": "#/groups/2" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 76.5, + "t": 421.4001, + "r": 299.9547, + "b": 386.66373238512034, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 122 + ] + } + ], + "orig": "a. A structure with two or more outside rigid walls and a fully secured roof that is affixed to a permanent site;", + "text": "A structure with two or more outside rigid walls and a fully secured roof that is affixed to a permanent site;", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/43", + "parent": { + "$ref": "#/groups/2" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 76.5, + "t": 378.8001, + "r": 299.98835999999994, + "b": 318.00443408577877, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 209 + ] + } + ], + "orig": "b. A manufactured home, also known as a mobile home, is a structure: built on a permanent chassis, transported to its site in one or more sections, and affixed to a permanent foundation; or", + "text": "A manufactured home, also known as a mobile home, is a structure: built on a permanent chassis, transported to its site in one or more sections, and affixed to a permanent foundation; or", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/44", + "parent": { + "$ref": "#/groups/2" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 76.5, + "t": 310.2001, + "r": 299.98143000000016, + "b": 262.46373238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 192 + ] + } + ], + "orig": "c. A travel trailer without wheels, built on a chassis and affixed to a permanent foundation, that is regulated under the community's floodplain management and building ordinances or laws.", + "text": "A travel trailer without wheels, built on a chassis and affixed to a permanent foundation, that is regulated under the community's floodplain management and building ordinances or laws.", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/45", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 76.5018, + "t": 254.6001, + "r": 299.99925, + "b": 206.86373238512033, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 190 + ] + } + ], + "orig": "Building does not mean a gas or liquid storage tank, shipping container, or a recreational vehicle, park trailer, or other similar vehicle, except as described in C.6.c above.", + "text": "Building does not mean a gas or liquid storage tank, shipping container, or a recreational vehicle, park trailer, or other similar vehicle, except as described in C.6.c above." + }, + { + "self_ref": "#/texts/46", + "parent": { + "$ref": "#/groups/3" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 58.5, + "t": 198.1001, + "r": 299.96379, + "b": 176.36373238512033, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 105 + ] + } + ], + "orig": "7. Cancellation. The ending of the insurance coverage provided by this policy before the expiration date.", + "text": "Cancellation. The ending of the insurance coverage provided by this policy before the expiration date.", + "enumerated": true, + "marker": "7." + }, + { + "self_ref": "#/texts/47", + "parent": { + "$ref": "#/groups/3" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 58.5, + "t": 167.6001, + "r": 299.9657700000001, + "b": 132.86373238512033, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 146 + ] + } + ], + "orig": "8. Condominium. That form of ownership of one or more buildings in which each unit owner has an undivided interest in common elements.", + "text": "Condominium. That form of ownership of one or more buildings in which each unit owner has an undivided interest in common elements.", + "enumerated": true, + "marker": "8." + }, + { + "self_ref": "#/texts/48", + "parent": { + "$ref": "#/groups/3" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 58.5, + "t": 124.1001, + "r": 299.9826000000001, + "b": 89.36373238512033, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 115 + ] + } + ], + "orig": "9. Condominium Association. The entity made up of the unit owners responsible for the maintenance and operation of:", + "text": "Condominium Association. The entity made up of the unit owners responsible for the maintenance and operation of:", + "enumerated": true, + "marker": "9." + }, + { + "self_ref": "#/texts/49", + "parent": { + "$ref": "#/groups/3" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 76.5, + "t": 80.6001, + "r": 299.9735100000001, + "b": 58.80443408577878, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 64 + ] + } + ], + "orig": "a. Common elements owned in undivided shares by unit owners; and", + "text": "Common elements owned in undivided shares by unit owners; and", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/50", + "parent": { + "$ref": "#/groups/3" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 346.5, + "t": 747.0001, + "r": 569.9903399999998, + "b": 712.2637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 129 + ] + } + ], + "orig": "b. Other buildings in which the unit owners have use rights; where membership in the entity is a required condition of ownership.", + "text": "Other buildings in which the unit owners have use rights; where membership in the entity is a required condition of ownership.", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/51", + "parent": { + "$ref": "#/groups/3" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 328.5, + "t": 704.4001000000001, + "r": 569.9944800000001, + "b": 656.6637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 179 + ] + } + ], + "orig": "10. Condominium Building. A type of building for which the form of ownership is one in which each unit owner has an undivided interest in common elements of the building.", + "text": " Condominium Building. A type of building for which the form of ownership is one in which each unit owner has an undivided interest in common elements of the building.", + "enumerated": true, + "marker": "10." + }, + { + "self_ref": "#/texts/52", + "parent": { + "$ref": "#/groups/3" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 328.5, + "t": 647.9001000000001, + "r": 569.9915100000001, + "b": 561.1637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 312 + ] + } + ], + "orig": "11. Declarations Page. A computer-generated summary of information you provided in your application for insurance. The Declarations Page also describes the term of the policy, limits of coverage, and displays the premium and our name. The Declarations Page is a part of this flood insurance policy.", + "text": " Declarations Page. A computer-generated summary of information you provided in your application for insurance. The Declarations Page also describes the term of the policy, limits of coverage, and displays the premium and our name. The Declarations Page is a part of this flood insurance policy.", + "enumerated": true, + "marker": "11." + }, + { + "self_ref": "#/texts/53", + "parent": { + "$ref": "#/groups/3" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 328.5, + "t": 552.4001000000001, + "r": 569.9637900000009, + "b": 504.6637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 170 + ] + } + ], + "orig": "12. Deductible. The amount of an insured loss that is your responsibility and that is incurred by you before any amounts are paid for the insured loss under this policy.", + "text": " Deductible. The amount of an insured loss that is your responsibility and that is incurred by you before any amounts are paid for the insured loss under this policy.", + "enumerated": true, + "marker": "12." + }, + { + "self_ref": "#/texts/54", + "parent": { + "$ref": "#/groups/3" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 328.5, + "t": 495.9001, + "r": 569.9885399999994, + "b": 448.16373238512034, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 164 + ] + } + ], + "orig": "13. Described Location. The location where the insured building(s) or personal property are found. The described location is shown on the Declarations Page.", + "text": " Described Location. The location where the insured building(s) or personal property are found. The described location is shown on the Declarations Page.", + "enumerated": true, + "marker": "13." + }, + { + "self_ref": "#/texts/55", + "parent": { + "$ref": "#/groups/3" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 328.5, + "t": 439.4001, + "r": 569.968740000001, + "b": 391.66373238512034, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 174 + ] + } + ], + "orig": "14. D irect Physical Loss By or From Flood. Loss or damage to insured property, directly caused by a flood. There must be evidence of physical changes to the property.", + "text": "D irect Physical Loss By or From Flood. Loss or damage to insured property, directly caused by a flood. There must be evidence of physical changes to the property.", + "enumerated": true, + "marker": "14." + }, + { + "self_ref": "#/texts/56", + "parent": { + "$ref": "#/groups/3" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 328.5, + "t": 382.9001, + "r": 569.9826000000004, + "b": 348.16373238512034, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 147 + ] + } + ], + "orig": "15. Dwelling. A building designed for use as a residence for no more than four families or a single-family unit in a condominium building.", + "text": " Dwelling. A building designed for use as a residence for no more than four families or a single-family unit in a condominium building.", + "enumerated": true, + "marker": "15." + }, + { + "self_ref": "#/texts/57", + "parent": { + "$ref": "#/groups/3" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 328.5, + "t": 339.4001, + "r": 569.9835900000007, + "b": 291.66373238512034, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 195 + ] + } + ], + "orig": "16. Elevated Building. A building that has no basement and that has its lowest elevated floor raised above ground level by foundation walls, shear walls, posts, piers, pilings, or columns.", + "text": " Elevated Building. A building that has no basement and that has its lowest elevated floor raised above ground level by foundation walls, shear walls, posts, piers, pilings, or columns.", + "enumerated": true, + "marker": "16." + }, + { + "self_ref": "#/texts/58", + "parent": { + "$ref": "#/groups/3" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 328.5, + "t": 282.9001, + "r": 569.9855700000005, + "b": 209.16373238512028, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 257 + ] + } + ], + "orig": "17. Emergency Program. The initial phase of a community's participation in the National Flood Insurance Program. During this phase, only limited amounts of insurance are available under the Act and the regulations prescribed pursuant to the Act.", + "text": " Emergency Program. The initial phase of a community's participation in the National Flood Insurance Program. During this phase, only limited amounts of insurance are available under the Act and the regulations prescribed pursuant to the Act.", + "enumerated": true, + "marker": "17." + }, + { + "self_ref": "#/texts/59", + "parent": { + "$ref": "#/groups/3" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 328.5, + "t": 200.40010000000007, + "r": 569.9806200000008, + "b": 152.66373238512028, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 204 + ] + } + ], + "orig": "18. Federal Policy Fee. A flat rate charge you must pay on each new or renewal policy to defray certain administrative expenses incurred in carrying out the National Flood Insurance Program.", + "text": " Federal Policy Fee. A flat rate charge you must pay on each new or renewal policy to defray certain administrative expenses incurred in carrying out the National Flood Insurance Program.", + "enumerated": true, + "marker": "18." + }, + { + "self_ref": "#/texts/60", + "parent": { + "$ref": "#/groups/3" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 328.5, + "t": 143.90010000000007, + "r": 569.9944800000004, + "b": 109.16373238512028, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 147 + ] + } + ], + "orig": "19. Improvements. Fixtures, alterations, installations, or additions comprising a part of the dwelling or apartment in which you reside.", + "text": " Improvements. Fixtures, alterations, installations, or additions comprising a part of the dwelling or apartment in which you reside.", + "enumerated": true, + "marker": "19." + }, + { + "self_ref": "#/texts/61", + "parent": { + "$ref": "#/groups/3" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 328.5, + "t": 100.40009999999995, + "r": 569.9697300000006, + "b": 52.6637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 211 + ] + } + ], + "orig": "20. Mudflow. A river of liquid and flowing mud on the surface of normally dry land areas, as when earth is carried by a current of water. Other earth movements, such as landslide, slope failure, or", + "text": " Mudflow. A river of liquid and flowing mud on the surface of normally dry land areas, as when earth is carried by a current of water. Other earth movements, such as landslide, slope failure, or", + "enumerated": true, + "marker": "20." + }, + { + "self_ref": "#/texts/62", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 45.0, + "t": 36.13409999999999, + "r": 157.2363, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/63", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 4, + "bbox": { + "l": 511.605, + "t": 36.13409999999999, + "r": 566.9919000000001, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 12 + ] + } + ], + "orig": "PAGE 2 OF 30", + "text": "PAGE 2 OF 30" + }, + { + "self_ref": "#/texts/64", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 76.32, + "t": 747.0001, + "r": 299.91150000000016, + "b": 725.2637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 73 + ] + } + ], + "orig": "a saturated soil mass moving by liquidity down a slope, are not mudflows.", + "text": "a saturated soil mass moving by liquidity down a slope, are not mudflows." + }, + { + "self_ref": "#/texts/65", + "parent": { + "$ref": "#/groups/4" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 58.32, + "t": 716.5001, + "r": 299.88180000000006, + "b": 655.7637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 243 + ] + } + ], + "orig": "21. National Flood Insurance Program (NFIP). The program of flood insurance coverage and floodplain management administered under the Act and applicable Federal regulations in Title 44 of the Code of Federal Regulations, Subchapter B.", + "text": " National Flood Insurance Program (NFIP). The program of flood insurance coverage and floodplain management administered under the Act and applicable Federal regulations in Title 44 of the Code of Federal Regulations, Subchapter B.", + "enumerated": true, + "marker": "21." + }, + { + "self_ref": "#/texts/66", + "parent": { + "$ref": "#/groups/4" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 58.32, + "t": 647.0001, + "r": 299.86398000000025, + "b": 625.2637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 78 + ] + } + ], + "orig": "22. Policy. The entire written contract between you and us. It includes:", + "text": " Policy. The entire written contract between you and us. It includes:", + "enumerated": true, + "marker": "22." + }, + { + "self_ref": "#/texts/67", + "parent": { + "$ref": "#/groups/4" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 76.32, + "t": 616.5001, + "r": 170.27972999999997, + "b": 607.7637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 21 + ] + } + ], + "orig": "a. This printed form;", + "text": "This printed form;", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/68", + "parent": { + "$ref": "#/groups/4" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 76.32, + "t": 600.6201, + "r": 262.6883100000003, + "b": 591.8837323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 41 + ] + } + ], + "orig": "b. The application and Declarations Page;", + "text": "The application and Declarations Page;", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/69", + "parent": { + "$ref": "#/groups/4" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 76.32, + "t": 584.7401, + "r": 286.5186000000001, + "b": 575.9444340857788, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 45 + ] + } + ], + "orig": "c. Any endorsement(s) that may be issued; and", + "text": "Any endorsement(s) that may be issued; and", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/70", + "parent": { + "$ref": "#/groups/4" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 76.32, + "t": 568.8601, + "r": 299.9034000000001, + "b": 508.1237323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 222 + ] + } + ], + "orig": "d. Any renewal certificate indicating that coverage has been instituted for a new policy and new policy term. Only one dwelling, which you specifically described in the application, may be insured under this policy.", + "text": "Any renewal certificate indicating that coverage has been instituted for a new policy and new policy term. Only one dwelling, which you specifically described in the application, may be insured under this policy.", + "enumerated": true, + "marker": "d." + }, + { + "self_ref": "#/texts/71", + "parent": { + "$ref": "#/groups/4" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 58.32, + "t": 499.3601, + "r": 299.90061000000026, + "b": 425.6237323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 317 + ] + } + ], + "orig": "23. Pollutants. Substances that include, but are not limited to, any solid, liquid, gaseous, or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste. 'Waste' includes, but is not limited to, materials to be recycled, reconditioned, or reclaimed.", + "text": " Pollutants. Substances that include, but are not limited to, any solid, liquid, gaseous, or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste. 'Waste' includes, but is not limited to, materials to be recycled, reconditioned, or reclaimed.", + "enumerated": true, + "marker": "23." + }, + { + "self_ref": "#/texts/72", + "parent": { + "$ref": "#/groups/4" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 58.32, + "t": 416.8601, + "r": 299.88279000000006, + "b": 356.1237323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 235 + ] + } + ], + "orig": "24. Post-FIRM Building. A building for which construction or substantial improvement occurred after December 31, 1974, or on or after the effective date of an initial Flood Insurance Rate Map (FIRM), whichever is later.", + "text": " Post-FIRM Building. A building for which construction or substantial improvement occurred after December 31, 1974, or on or after the effective date of an initial Flood Insurance Rate Map (FIRM), whichever is later.", + "enumerated": true, + "marker": "24." + }, + { + "self_ref": "#/texts/73", + "parent": { + "$ref": "#/groups/4" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 346.41, + "t": 747.0001, + "r": 569.97459, + "b": 725.2044340857788, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 58 + ] + } + ], + "orig": "a. The 365 days immediately preceding the time of loss; or", + "text": "The 365 days immediately preceding the time of loss; or", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/74", + "parent": { + "$ref": "#/groups/4" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 346.41, + "t": 718.1201, + "r": 569.9973600000001, + "b": 670.3837323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 160 + ] + } + ], + "orig": "b. The period of ownership of you or your spouse, if either you or your spouse owned the dwelling for less than 365 days immediately preceding the time of loss.", + "text": "The period of ownership of you or your spouse, if either you or your spouse owned the dwelling for less than 365 days immediately preceding the time of loss.", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/75", + "parent": { + "$ref": "#/groups/4" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 328.41, + "t": 662.5201000000001, + "r": 569.9757600000007, + "b": 614.7837323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 206 + ] + } + ], + "orig": "26. Probation Surcharge. A flat charge you must pay on each new or renewal policy issued covering property in a community the NFIP has placed on probation under the provisions of 44 CFR 59.24.", + "text": " Probation Surcharge. A flat charge you must pay on each new or renewal policy issued covering property in a community the NFIP has placed on probation under the provisions of 44 CFR 59.24.", + "enumerated": true, + "marker": "26." + }, + { + "self_ref": "#/texts/76", + "parent": { + "$ref": "#/groups/4" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 328.41, + "t": 606.0201000000001, + "r": 569.9985300000004, + "b": 532.2837323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 288 + ] + } + ], + "orig": "27. Regular Program. The final phase of a community's participation in the National Flood Insurance Program. In this phase, a Flood Insurance Rate Map is in effect and full limits of coverage are available under the Act and the regulations prescribed pursuant to the Act.", + "text": " Regular Program. The final phase of a community's participation in the National Flood Insurance Program. In this phase, a Flood Insurance Rate Map is in effect and full limits of coverage are available under the Act and the regulations prescribed pursuant to the Act.", + "enumerated": true, + "marker": "27." + }, + { + "self_ref": "#/texts/77", + "parent": { + "$ref": "#/groups/4" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 328.41, + "t": 523.5201000000001, + "r": 569.9698200000008, + "b": 449.7837323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 302 + ] + } + ], + "orig": "28. Special Flood Hazard Area (SFHA). An area having special flood or mudflow, and/or flood-related erosion hazards, and shown on a Flood Hazard Boundary Map or Flood Insurance Rate Map as Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/ AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, VE, or V.", + "text": " Special Flood Hazard Area (SFHA). An area having special flood or mudflow, and/or flood-related erosion hazards, and shown on a Flood Hazard Boundary Map or Flood Insurance Rate Map as Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/ AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, VE, or V.", + "enumerated": true, + "marker": "28." + }, + { + "self_ref": "#/texts/78", + "parent": { + "$ref": "#/groups/4" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 328.41, + "t": 441.0201, + "r": 569.9638800000007, + "b": 419.28373238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 79 + ] + } + ], + "orig": "29. Unit. A single-family residential space you own in a condominium building.", + "text": " Unit. A single-family residential space you own in a condominium building.", + "enumerated": true, + "marker": "29." + }, + { + "self_ref": "#/texts/79", + "parent": { + "$ref": "#/groups/4" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 328.41, + "t": 410.5201, + "r": 569.9995200000006, + "b": 349.78373238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 233 + ] + } + ], + "orig": "30. Valued Policy. A policy in which the insured and the insurer agree on the value of the property insured, that value being payable in the event of a total loss. The Standard Flood Insurance Policy is not a valued policy.", + "text": " Valued Policy. A policy in which the insured and the insurer agree on the value of the property insured, that value being payable in the event of a total loss. The Standard Flood Insurance Policy is not a valued policy.", + "enumerated": true, + "marker": "30." + }, + { + "self_ref": "#/texts/80", + "parent": { + "$ref": "#/groups/4" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 58.32, + "t": 347.3601, + "r": 299.85903000000025, + "b": 325.6237323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 105 + ] + } + ], + "orig": "25. Principal Residence. The dwelling in which you or your spouse have lived for at least 80 percent of:", + "text": " Principal Residence. The dwelling in which you or your spouse have lived for at least 80 percent of:", + "enumerated": true, + "marker": "25." + }, + { + "self_ref": "#/texts/81", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 245.6692, + "t": 299.54609999999997, + "r": 366.1488999999998, + "b": 289.98029271948604, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 21 + ] + } + ], + "orig": "III. PROPERTY INSURED", + "text": "III. PROPERTY INSURED", + "level": 1 + }, + { + "self_ref": "#/texts/82", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 346.4118, + "t": 267.8601, + "r": 569.9676600000009, + "b": 246.12373238512032, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 83 + ] + } + ], + "orig": "are always considered part of the dwelling and cannot be separately insured.", + "text": "are always considered part of the dwelling and cannot be separately insured." + }, + { + "self_ref": "#/texts/83", + "parent": { + "$ref": "#/groups/5" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 346.40549999999996, + "t": 237.3601, + "r": 571.5204, + "b": 70.06846080178173, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 369 + ] + } + ], + "orig": "A detached garage at the described location. Coverage is limited to no more than 10 percent of the limit of liability on the dwelling. Use of this insurance is at your option but reduces the building limit of liability. We do not cover any detached garage used or held for use for residential (i.e., dwelling), business, or farming purposes.", + "text": "A detached garage at the described location. Coverage is limited to no more than 10 percent of the limit of liability on the dwelling. Use of this insurance is at your option but reduces the building limit of liability. We do not cover any detached garage used or held for use for residential (i.e., dwelling), business, or farming purposes.", + "enumerated": false, + "marker": "" + }, + { + "self_ref": "#/texts/84", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 44.82, + "t": 268.20309999999995, + "r": 194.80518449999994, + "b": 258.9790562289562, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 31 + ] + } + ], + "orig": "A. Coverage A-Building Property", + "text": "A. Coverage A-Building Property", + "level": 1 + }, + { + "self_ref": "#/texts/85", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 44.82, + "t": 250.3601, + "r": 292.12695000000014, + "b": 241.62373238512032, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 59 + ] + } + ], + "orig": "We insure against direct physical loss by or from flood to:", + "text": "We insure against direct physical loss by or from flood to:" + }, + { + "self_ref": "#/texts/86", + "parent": { + "$ref": "#/groups/6" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 58.32, + "t": 232.8601, + "r": 299.8768500000003, + "b": 198.12373238512032, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 152 + ] + } + ], + "orig": "1. The dwelling at the described location, or for a period of 45 days at another location as set forth in III.C.2.b, Property Removed to Safety.", + "text": "The dwelling at the described location, or for a period of 45 days at another location as set forth in III.C.2.b, Property Removed to Safety.", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/87", + "parent": { + "$ref": "#/groups/6" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 58.32, + "t": 189.3601, + "r": 299.90259000000015, + "b": 76.62373238512032, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 472 + ] + } + ], + "orig": "2. Additions and extensions attached to and in contact with the dwelling by means of a rigid exterior wall, a solid load-bearing interior wall, a stairway, an elevated walkway, or a roof. At your option, additions and extensions connected by any of these methods may be separately insured. Additions and extensions attached to and in contact with the building by means of a common interior wall that is not a solid load-bearing wall", + "text": "Additions and extensions attached to and in contact with the dwelling by means of a rigid exterior wall, a solid load-bearing interior wall, a stairway, an elevated walkway, or a roof. At your option, additions and extensions connected by any of these methods may be separately insured. Additions and extensions attached to and in contact with the building by means of a common interior wall that is not a solid load-bearing wall", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/88", + "parent": { + "$ref": "#/groups/6" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 328.41, + "t": 237.01710000000003, + "r": 338.74725, + "b": 228.6715365881032, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 2 + ] + } + ], + "orig": "3.", + "text": "3.", + "enumerated": false, + "marker": "" + }, + { + "self_ref": "#/texts/89", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 44.91, + "t": 36.13409999999999, + "r": 157.14630000000002, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/90", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 5, + "bbox": { + "l": 511.695, + "t": 36.13409999999999, + "r": 567.0819000000001, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 12 + ] + } + ], + "orig": "PAGE 3 OF 30", + "text": "PAGE 3 OF 30" + }, + { + "self_ref": "#/texts/91", + "parent": { + "$ref": "#/groups/7" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 58.5, + "t": 747.0001, + "r": 299.98359000000005, + "b": 686.2637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 241 + ] + } + ], + "orig": "4. Materials and supplies to be used for construction, alteration, or repair of the dwelling or a detached garage while the materials and supplies are stored in a fully enclosed building at the described location or on an adjacent property.", + "text": "Materials and supplies to be used for construction, alteration, or repair of the dwelling or a detached garage while the materials and supplies are stored in a fully enclosed building at the described location or on an adjacent property.", + "enumerated": true, + "marker": "4." + }, + { + "self_ref": "#/texts/92", + "parent": { + "$ref": "#/groups/7" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 58.5, + "t": 677.5001, + "r": 299.9707200000003, + "b": 655.7637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 82 + ] + } + ], + "orig": "5. A building under construction, alteration, or repair at the described location.", + "text": "A building under construction, alteration, or repair at the described location.", + "enumerated": true, + "marker": "5." + }, + { + "self_ref": "#/texts/93", + "parent": { + "$ref": "#/groups/7" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 76.5, + "t": 645.4880999999999, + "r": 301.49355599999984, + "b": 569.7084608017816, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 134 + ] + } + ], + "orig": "a. If the structure is not yet walled or roofed as described in the definition for building (see II.C.6.a) then coverage applies:", + "text": "If the structure is not yet walled or roofed as described in the definition for building (see II.C.6.a) then coverage applies:", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/94", + "parent": { + "$ref": "#/groups/7" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 90.9, + "t": 561.8881, + "r": 283.06799999999987, + "b": 526.0676590551182, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 43 + ] + } + ], + "orig": "(1) Only while such work is in progress; or", + "text": "Only while such work is in progress; or", + "enumerated": true, + "marker": "(1)" + }, + { + "self_ref": "#/texts/95", + "parent": { + "$ref": "#/groups/7" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 90.9, + "t": 517.3881, + "r": 284.2679880000002, + "b": 461.60646080178174, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 85 + ] + } + ], + "orig": "(2) If such work is halted, only for a period of up to 90 continuous days thereafter.", + "text": "If such work is halted, only for a period of up to 90 continuous days thereafter.", + "enumerated": true, + "marker": "(2)" + }, + { + "self_ref": "#/texts/96", + "parent": { + "$ref": "#/groups/7" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 76.5, + "t": 452.8881, + "r": 301.48108199999984, + "b": 317.1144608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 222 + ] + } + ], + "orig": "b. However, coverage does not apply until the building is walled and roofed if the lowest floor, including the basement floor, of a non-elevated building or the lowest elevated floor of an elevated building is:", + "text": "However, coverage does not apply until the building is walled and roofed if the lowest floor, including the basement floor, of a non-elevated building or the lowest elevated floor of an elevated building is:", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/97", + "parent": { + "$ref": "#/groups/7" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 90.9, + "t": 309.2881, + "r": 287.01000000000005, + "b": 213.46765905511813, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 105 + ] + } + ], + "orig": "(1) Below the base flood elevation in Zones AH, AE, A1-A30, AR, AR/AE, AR/ AH, AR/A1-A30, AR/A, AR/AO; or", + "text": "Below the base flood elevation in Zones AH, AE, A1-A30, AR, AR/AE, AR/ AH, AR/A1-A30, AR/A, AR/AO; or", + "enumerated": true, + "marker": "(1)" + }, + { + "self_ref": "#/texts/98", + "parent": { + "$ref": "#/groups/7" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 90.9, + "t": 204.7881, + "r": 294.10380000000015, + "b": 129.00846080178178, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 103 + ] + } + ], + "orig": "(2) Below the base flood elevation adjusted to include the effect of wave action in Zones VE or V1-V30.", + "text": "Below the base flood elevation adjusted to include the effect of wave action in Zones VE or V1-V30.", + "enumerated": true, + "marker": "(2)" + }, + { + "self_ref": "#/texts/99", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 76.5, + "t": 119.82010000000002, + "r": 299.98656000000034, + "b": 85.08373238512036, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 153 + ] + }, + { + "page_no": 6, + "bbox": { + "l": 346.5027, + "t": 747.0001, + "r": 567.0202500000004, + "b": 725.2637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 154, + 225 + ] + } + ], + "orig": "The lowest floor level is based on the bottom of the lowest horizontal structural member of the floor in Zones VE or V1-V30 or the top of the floor in Zones AH, AE, A1-A30, AR, AR/AE, AR/AH, AR/ A1-A30, AR/A, and AR/AO.", + "text": "The lowest floor level is based on the bottom of the lowest horizontal structural member of the floor in Zones VE or V1-V30 or the top of the floor in Zones AH, AE, A1-A30, AR, AR/AE, AR/AH, AR/ A1-A30, AR/A, and AR/AO." + }, + { + "self_ref": "#/texts/100", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 328.5, + "t": 716.5001, + "r": 569.9766600000011, + "b": 655.7637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 223 + ] + } + ], + "orig": "6. A manufactured home or a travel trailer, as described in the II.C.6. If the manufactured home or travel trailer is in a special flood hazard area, it must be anchored in the following manner at the time of the loss:", + "text": "A manufactured home or a travel trailer, as described in the II.C.6. If the manufactured home or travel trailer is in a special flood hazard area, it must be anchored in the following manner at the time of the loss:", + "enumerated": true, + "marker": "6." + }, + { + "self_ref": "#/texts/101", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 346.5, + "t": 647.0001, + "r": 536.2254, + "b": 625.2044340857788, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 54 + ] + } + ], + "orig": "a. By over-the-top or frame ties to ground anchors; or", + "text": "By over-the-top or frame ties to ground anchors; or", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/102", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 346.5, + "t": 617.4001000000001, + "r": 533.1207599999997, + "b": 595.6044340857788, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 59 + ] + } + ], + "orig": "b. In accordance with the manufacturer's specifications; or", + "text": "In accordance with the manufacturer's specifications; or", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/103", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 346.5, + "t": 587.8001, + "r": 569.98638, + "b": 540.0637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 181 + ] + } + ], + "orig": "c. In compliance with the community's floodplain management requirements unless it has been continuously insured by the NFIP at the same described location since September 30, 1982.", + "text": "In compliance with the community's floodplain management requirements unless it has been continuously insured by the NFIP at the same described location since September 30, 1982.", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/104", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 328.5, + "t": 531.3001, + "r": 569.9697300000006, + "b": 509.5637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 75 + ] + } + ], + "orig": "7. The following items of property which are insured under Coverage A only:", + "text": "The following items of property which are insured under Coverage A only:", + "enumerated": true, + "marker": "7." + }, + { + "self_ref": "#/texts/105", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 346.5, + "t": 500.8001, + "r": 462.96440999999953, + "b": 492.0637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 24 + ] + } + ], + "orig": "a. Awnings and canopies;", + "text": "Awnings and canopies;", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/106", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 346.5, + "t": 484.2001, + "r": 393.75747000000007, + "b": 475.46373238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 10 + ] + } + ], + "orig": "b. Blinds;", + "text": "Blinds;", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/107", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 346.5, + "t": 467.6001, + "r": 453.30003000000033, + "b": 458.86373238512033, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 24 + ] + } + ], + "orig": "c. Built-in dishwashers;", + "text": "Built-in dishwashers;", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/108", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 346.5, + "t": 451.00010000000003, + "r": 472.68720000000053, + "b": 442.26373238512036, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 28 + ] + } + ], + "orig": "d. Built-in microwave ovens;", + "text": "Built-in microwave ovens;", + "enumerated": true, + "marker": "d." + }, + { + "self_ref": "#/texts/109", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 346.5, + "t": 434.4001, + "r": 515.5740000000001, + "b": 412.66373238512034, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 57 + ] + } + ], + "orig": "e. Carpet permanently installed over unfinished flooring;", + "text": "Carpet permanently installed over unfinished flooring;", + "enumerated": true, + "marker": "e." + }, + { + "self_ref": "#/texts/110", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 346.5, + "t": 404.8001, + "r": 467.8500600000004, + "b": 396.0637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 28 + ] + } + ], + "orig": "f. Central air conditioners;", + "text": "Central air conditioners;", + "enumerated": true, + "marker": "f." + }, + { + "self_ref": "#/texts/111", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 346.5, + "t": 388.2001, + "r": 450.34983, + "b": 379.46373238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 22 + ] + } + ], + "orig": "g. Elevator equipment;", + "text": "Elevator equipment;", + "enumerated": true, + "marker": "g." + }, + { + "self_ref": "#/texts/112", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 346.5, + "t": 371.6001, + "r": 461.94174000000044, + "b": 362.86373238512033, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 26 + ] + } + ], + "orig": "h. Fire sprinkler systems;", + "text": "Fire sprinkler systems;", + "enumerated": true, + "marker": "h." + }, + { + "self_ref": "#/texts/113", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 346.5, + "t": 355.00010000000003, + "r": 435.30381000000017, + "b": 346.26373238512036, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 20 + ] + } + ], + "orig": "i. Walk-in freezers;", + "text": "Walk-in freezers;", + "enumerated": true, + "marker": "i." + }, + { + "self_ref": "#/texts/114", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 346.5, + "t": 338.4001, + "r": 466.7353199999996, + "b": 329.66373238512034, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 26 + ] + } + ], + "orig": "j. Furnaces and radiators;", + "text": "Furnaces and radiators;", + "enumerated": true, + "marker": "j." + }, + { + "self_ref": "#/texts/115", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 346.5, + "t": 321.8001, + "r": 466.73730000000006, + "b": 313.0637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 26 + ] + } + ], + "orig": "k. Garbage disposal units;", + "text": "Garbage disposal units;", + "enumerated": true, + "marker": "k." + }, + { + "self_ref": "#/texts/116", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 346.5, + "t": 305.2001, + "r": 538.7964300000007, + "b": 283.46373238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 52 + ] + } + ], + "orig": "l. Hot water heaters, including solar water heaters;", + "text": "Hot water heaters, including solar water heaters;", + "enumerated": true, + "marker": "l." + }, + { + "self_ref": "#/texts/117", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 346.5, + "t": 275.6001, + "r": 423.20996999999966, + "b": 266.86373238512033, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 19 + ] + } + ], + "orig": "m. Light fixtures;", + "text": " Light fixtures;", + "enumerated": true, + "marker": "m." + }, + { + "self_ref": "#/texts/118", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 346.5, + "t": 259.0001, + "r": 539.3142, + "b": 237.2637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 54 + ] + } + ], + "orig": "n. Outdoor antennas and aerials fastened to buildings;", + "text": "Outdoor antennas and aerials fastened to buildings;", + "enumerated": true, + "marker": "n." + }, + { + "self_ref": "#/texts/119", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 346.5, + "t": 229.40010000000007, + "r": 563.6177099999998, + "b": 207.66373238512028, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 81 + ] + } + ], + "orig": "o. Permanently installed cupboards, bookcases, cabinets, paneling, and wallpaper;", + "text": "Permanently installed cupboards, bookcases, cabinets, paneling, and wallpaper;", + "enumerated": true, + "marker": "o." + }, + { + "self_ref": "#/texts/120", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 346.5, + "t": 199.80010000000004, + "r": 441.5695200000001, + "b": 191.06373238512037, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 21 + ] + } + ], + "orig": "p. Plumbing fixtures;", + "text": "Plumbing fixtures;", + "enumerated": true, + "marker": "p." + }, + { + "self_ref": "#/texts/121", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 346.5, + "t": 183.20010000000002, + "r": 552.6940499999998, + "b": 174.46373238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 43 + ] + } + ], + "orig": "q. Pumps and machinery for operating pumps;", + "text": "Pumps and machinery for operating pumps;", + "enumerated": true, + "marker": "q." + }, + { + "self_ref": "#/texts/122", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 346.5, + "t": 166.6001, + "r": 519.2963999999995, + "b": 157.86373238512033, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 37 + ] + } + ], + "orig": "r. Ranges, cooking stoves, and ovens;", + "text": "Ranges, cooking stoves, and ovens;", + "enumerated": true, + "marker": "r." + }, + { + "self_ref": "#/texts/123", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 346.5, + "t": 150.00009999999997, + "r": 441.5913, + "b": 141.20443408577876, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 21 + ] + } + ], + "orig": "s. Refrigerators; and", + "text": "Refrigerators; and", + "enumerated": true, + "marker": "s." + }, + { + "self_ref": "#/texts/124", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 346.5, + "t": 133.40010000000007, + "r": 517.2104700000001, + "b": 124.66373238512028, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 39 + ] + } + ], + "orig": "t. Wall mirrors, permanently installed.", + "text": "Wall mirrors, permanently installed.", + "enumerated": true, + "marker": "t." + }, + { + "self_ref": "#/texts/125", + "parent": { + "$ref": "#/groups/8" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 327.06, + "t": 114.38810000000001, + "r": 571.5126000000001, + "b": 58.606460801781736, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 106 + ] + } + ], + "orig": "8. Items of property below the lowest elevated floor of an elevated postFIRM building located in Zones", + "text": "Items of property below the lowest elevated floor of an elevated postFIRM building located in Zones", + "enumerated": true, + "marker": "8." + }, + { + "self_ref": "#/texts/126", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 45.0, + "t": 36.13409999999999, + "r": 157.2363, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/127", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 6, + "bbox": { + "l": 511.605, + "t": 36.13409999999999, + "r": 566.9937000000001, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 12 + ] + } + ], + "orig": "PAGE 4 OF 30", + "text": "PAGE 4 OF 30" + }, + { + "self_ref": "#/texts/128", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 76.5, + "t": 747.0002, + "r": 301.5161999999998, + "b": 651.2145608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 150 + ] + } + ], + "orig": "A1-A30, AE, AH, AR, AR/A, AR/ AE, AR/AH, AR/A1-A30, V1-V30, or VE, or in a basement regardless of the zone. Coverage is limited to the following:", + "text": "A1-A30, AE, AH, AR, AR/A, AR/ AE, AR/AH, AR/A1-A30, V1-V30, or VE, or in a basement regardless of the zone. Coverage is limited to the following:", + "level": 1 + }, + { + "self_ref": "#/texts/129", + "parent": { + "$ref": "#/groups/9" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 76.5, + "t": 642.0322, + "r": 299.96658000000025, + "b": 607.2958323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 139 + ] + } + ], + "orig": "a. Any of the following items, if installed in their functioning locations and, if necessary for operation, connected to a power source:", + "text": "Any of the following items, if installed in their functioning locations and, if necessary for operation, connected to a power source:", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/130", + "parent": { + "$ref": "#/groups/9" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 93.96, + "t": 599.4322, + "r": 222.47208, + "b": 590.6958323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 29 + ] + } + ], + "orig": "(1) Central air conditioners;", + "text": "Central air conditioners;", + "enumerated": true, + "marker": "(1)" + }, + { + "self_ref": "#/texts/131", + "parent": { + "$ref": "#/groups/9" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 93.96, + "t": 582.8322000000001, + "r": 255.79349999999977, + "b": 574.0958323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 35 + ] + } + ], + "orig": "(2) Cisterns and the water in them;", + "text": "Cisterns and the water in them;", + "enumerated": true, + "marker": "(2)" + }, + { + "self_ref": "#/texts/132", + "parent": { + "$ref": "#/groups/9" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 93.96, + "t": 566.2322, + "r": 299.9880899999999, + "b": 518.4958323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 138 + ] + } + ], + "orig": "(3) Drywall for walls and ceilings in a basement and the cost of labor to nail it, unfinished and unfloated and not taped, to the framing;", + "text": "Drywall for walls and ceilings in a basement and the cost of labor to nail it, unfinished and unfloated and not taped, to the framing;", + "enumerated": true, + "marker": "(3)" + }, + { + "self_ref": "#/texts/133", + "parent": { + "$ref": "#/groups/9" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 93.96, + "t": 510.6322, + "r": 249.8596, + "b": 488.89583238512034, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 50 + ] + } + ], + "orig": "(4) Electrical junction and circuit breaker boxes;", + "text": "Electrical junction and circuit breaker boxes;", + "enumerated": true, + "marker": "(4)" + }, + { + "self_ref": "#/texts/134", + "parent": { + "$ref": "#/groups/9" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 93.96, + "t": 481.0322, + "r": 254.61638999999974, + "b": 472.2958323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 36 + ] + } + ], + "orig": "(5) Electrical outlets and switches;", + "text": "Electrical outlets and switches;", + "enumerated": true, + "marker": "(5)" + }, + { + "self_ref": "#/texts/135", + "parent": { + "$ref": "#/groups/9" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 93.96, + "t": 464.4322, + "r": 299.4218099999999, + "b": 416.69583238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 145 + ] + } + ], + "orig": "(6) Elevators, dumbwaiters and related equipment, except for related equipment installed below the base flood elevation after September 30, 1987;", + "text": "Elevators, dumbwaiters and related equipment, except for related equipment installed below the base flood elevation after September 30, 1987;", + "enumerated": true, + "marker": "(6)" + }, + { + "self_ref": "#/texts/136", + "parent": { + "$ref": "#/groups/9" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 93.96, + "t": 408.8322, + "r": 257.43887999999976, + "b": 400.09583238512033, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 36 + ] + } + ], + "orig": "(7) Fuel tanks and the fuel in them;", + "text": "Fuel tanks and the fuel in them;", + "enumerated": true, + "marker": "(7)" + }, + { + "self_ref": "#/texts/137", + "parent": { + "$ref": "#/groups/9" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 93.96, + "t": 392.23220000000003, + "r": 259.64657999999986, + "b": 383.49583238512037, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 35 + ] + } + ], + "orig": "(8) Furnaces and hot water heaters;", + "text": "Furnaces and hot water heaters;", + "enumerated": true, + "marker": "(8)" + }, + { + "self_ref": "#/texts/138", + "parent": { + "$ref": "#/groups/9" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 93.96, + "t": 375.6322, + "r": 172.38401999999996, + "b": 366.89583238512034, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 15 + ] + } + ], + "orig": "(9) Heat pumps;", + "text": "Heat pumps;", + "enumerated": true, + "marker": "(9)" + }, + { + "self_ref": "#/texts/139", + "parent": { + "$ref": "#/groups/9" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 93.96, + "t": 359.0322, + "r": 296.0587799999998, + "b": 350.2958323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 44 + ] + } + ], + "orig": "(10) Nonflammable insulation in a basement;", + "text": " Nonflammable insulation in a basement;", + "enumerated": true, + "marker": "(10)" + }, + { + "self_ref": "#/texts/140", + "parent": { + "$ref": "#/groups/9" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 93.96, + "t": 342.4322, + "r": 259.73280000000005, + "b": 320.69583238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 51 + ] + } + ], + "orig": "(11) Pumps and tanks used in solar energy systems;", + "text": " Pumps and tanks used in solar energy systems;", + "enumerated": true, + "marker": "(11)" + }, + { + "self_ref": "#/texts/141", + "parent": { + "$ref": "#/groups/9" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 93.96, + "t": 312.8322, + "r": 287.8512, + "b": 278.0958323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 100 + ] + } + ], + "orig": "(12) Stairways and staircases attached to the building, not separated from it by elevated walkways;", + "text": " Stairways and staircases attached to the building, not separated from it by elevated walkways;", + "enumerated": true, + "marker": "(12)" + }, + { + "self_ref": "#/texts/142", + "parent": { + "$ref": "#/groups/9" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 93.96, + "t": 270.23220000000003, + "r": 176.87169000000006, + "b": 261.49583238512037, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 17 + ] + } + ], + "orig": "(13) Sump pumps;", + "text": " Sump pumps;", + "enumerated": true, + "marker": "(13)" + }, + { + "self_ref": "#/texts/143", + "parent": { + "$ref": "#/groups/9" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 93.96, + "t": 253.6322, + "r": 299.9811600000004, + "b": 218.89583238512034, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 139 + ] + } + ], + "orig": "(14) Water softeners and the chemicals in them, water filters, and faucets installed as an integral part of the plumbing system;", + "text": " Water softeners and the chemicals in them, water filters, and faucets installed as an integral part of the plumbing system;", + "enumerated": true, + "marker": "(14)" + }, + { + "self_ref": "#/texts/144", + "parent": { + "$ref": "#/groups/9" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 93.96, + "t": 211.0322, + "r": 244.28573999999972, + "b": 202.29583238512032, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 33 + ] + } + ], + "orig": "(15) Well water tanks and pumps;", + "text": " Well water tanks and pumps;", + "enumerated": true, + "marker": "(15)" + }, + { + "self_ref": "#/texts/145", + "parent": { + "$ref": "#/groups/9" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 93.96, + "t": 194.43219999999997, + "r": 299.9752199999997, + "b": 172.63653408577875, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 65 + ] + } + ], + "orig": "(16) Required utility connections for any item in this list; and", + "text": " Required utility connections for any item in this list; and", + "enumerated": true, + "marker": "(16)" + }, + { + "self_ref": "#/texts/146", + "parent": { + "$ref": "#/groups/9" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 93.96, + "t": 164.83220000000006, + "r": 299.97422999999986, + "b": 117.09583238512039, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 136 + ] + } + ], + "orig": "(17) Footings, foundations, posts, pilings, piers, or other foundation walls and anchorage systems required to support a building.", + "text": " Footings, foundations, posts, pilings, piers, or other foundation walls and anchorage systems required to support a building.", + "enumerated": true, + "marker": "(17)" + }, + { + "self_ref": "#/texts/147", + "parent": { + "$ref": "#/groups/9" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 76.5, + "t": 109.23220000000003, + "r": 135.16721999999996, + "b": 100.49583238512037, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 12 + ] + } + ], + "orig": "b. Clean-up.", + "text": "Clean-up.", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/148", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 315.0, + "t": 747.0001, + "r": 468.37707300000045, + "b": 737.7760562289562, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 31 + ] + } + ], + "orig": "B. Coverage B-Personal Property", + "text": "B. Coverage B-Personal Property", + "level": 1 + }, + { + "self_ref": "#/texts/149", + "parent": { + "$ref": "#/groups/10" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 328.5, + "t": 729.1571, + "r": 569.9806200000006, + "b": 681.4207323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 178 + ] + } + ], + "orig": "1. If you have purchased personal property coverage, we insure against direct physical loss by or from flood to personal property inside a building at the described location, if:", + "text": "If you have purchased personal property coverage, we insure against direct physical loss by or from flood to personal property inside a building at the described location, if:", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/150", + "parent": { + "$ref": "#/groups/10" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 346.5, + "t": 672.6571, + "r": 569.9715300000005, + "b": 650.8614340857788, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 69 + ] + } + ], + "orig": "a. The property is owned by you or your household family members; and", + "text": "The property is owned by you or your household family members; and", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/151", + "parent": { + "$ref": "#/groups/10" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 346.5, + "t": 643.0571, + "r": 538.4489399999998, + "b": 621.3207323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 63 + ] + } + ], + "orig": "b. At your option, the property is owned by guests or servants.", + "text": "At your option, the property is owned by guests or servants.", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/152", + "parent": { + "$ref": "#/groups/10" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 328.5, + "t": 612.5571, + "r": 569.973690000001, + "b": 577.8207323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 135 + ] + } + ], + "orig": "2. Personal property is also insured for a period of 45 days at another location as set forth in III.C.2.b, Property Removed to Safety.", + "text": "Personal property is also insured for a period of 45 days at another location as set forth in III.C.2.b, Property Removed to Safety.", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/153", + "parent": { + "$ref": "#/groups/10" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 328.5, + "t": 569.0571, + "r": 569.9974500000006, + "b": 495.3207323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 306 + ] + } + ], + "orig": "3. Personal property in a building that is not fully enclosed must be secured to prevent flotation out of the building. If the personal property does float out during a flood, it will be conclusively presumed that it was not reasonably secured. In that case, there is no coverage for such property.", + "text": "Personal property in a building that is not fully enclosed must be secured to prevent flotation out of the building. If the personal property does float out during a flood, it will be conclusively presumed that it was not reasonably secured. In that case, there is no coverage for such property.", + "enumerated": true, + "marker": "3." + }, + { + "self_ref": "#/texts/154", + "parent": { + "$ref": "#/groups/10" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 328.5, + "t": 486.5571, + "r": 569.9845800000002, + "b": 451.8207323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 128 + ] + } + ], + "orig": "4. Coverage for personal property includes the following property, subject to B.1 above, which is insured under Coverage B only:", + "text": "Coverage for personal property includes the following property, subject to B.1 above, which is insured under Coverage B only:", + "enumerated": true, + "marker": "4." + }, + { + "self_ref": "#/texts/155", + "parent": { + "$ref": "#/groups/10" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 347.94, + "t": 443.0571, + "r": 566.0590499999998, + "b": 434.3207323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 51 + ] + } + ], + "orig": "a. Air conditioning units, portable or window type;", + "text": "Air conditioning units, portable or window type;", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/156", + "parent": { + "$ref": "#/groups/10" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 347.94, + "t": 426.4571, + "r": 540.2665799999996, + "b": 404.72073238512036, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 64 + ] + } + ], + "orig": "b. Carpets, not permanently installed, over unfinished flooring;", + "text": "Carpets, not permanently installed, over unfinished flooring;", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/157", + "parent": { + "$ref": "#/groups/10" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 347.94, + "t": 396.8571, + "r": 494.1731700000004, + "b": 388.12073238512033, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 34 + ] + } + ], + "orig": "c. Carpets over finished flooring;", + "text": "Carpets over finished flooring;", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/158", + "parent": { + "$ref": "#/groups/10" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 347.94, + "t": 380.25710000000004, + "r": 487.3738500000004, + "b": 371.52073238512037, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 30 + ] + } + ], + "orig": "d. Clothes washers and dryers;", + "text": "Clothes washers and dryers;", + "enumerated": true, + "marker": "d." + }, + { + "self_ref": "#/texts/159", + "parent": { + "$ref": "#/groups/10" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 347.94, + "t": 363.6571, + "r": 437.46398999999957, + "b": 354.92073238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 21 + ] + } + ], + "orig": "e. 'Cook-out' grills;", + "text": "'Cook-out' grills;", + "enumerated": true, + "marker": "e." + }, + { + "self_ref": "#/texts/160", + "parent": { + "$ref": "#/groups/10" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 347.94, + "t": 347.0571, + "r": 564.5176200000006, + "b": 325.2614340857788, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 66 + ] + } + ], + "orig": "f. Food freezers, other than walk-in, and food in any freezer; and", + "text": "Food freezers, other than walk-in, and food in any freezer; and", + "enumerated": true, + "marker": "f." + }, + { + "self_ref": "#/texts/161", + "parent": { + "$ref": "#/groups/10" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 347.94, + "t": 317.4571, + "r": 542.90988, + "b": 295.72073238512036, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 53 + ] + } + ], + "orig": "g. Portable microwave ovens and portable dishwashers.", + "text": "Portable microwave ovens and portable dishwashers.", + "enumerated": true, + "marker": "g." + }, + { + "self_ref": "#/texts/162", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 327.06, + "t": 286.3451, + "r": 571.5269999999995, + "b": 50.55946080178171, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 386 + ] + } + ], + "orig": "5. Coverage for items of property below the lowest elevated floor of an elevated post-FIRM building located in Zones A1-A30, AE, AH, AR, AR/A, AR/AE, AR/AH, AR/ A1-A30, V1-V30, or VE, or in a basement regardless of the zone, is limited to the following items, if installed in their functioning locations and, if necessary for oper ation, connected to a power source:", + "text": "5. Coverage for items of property below the lowest elevated floor of an elevated post-FIRM building located in Zones A1-A30, AE, AH, AR, AR/A, AR/AE, AR/AH, AR/ A1-A30, V1-V30, or VE, or in a basement regardless of the zone, is limited to the following items, if installed in their functioning locations and, if necessary for oper ation, connected to a power source:", + "level": 1 + }, + { + "self_ref": "#/texts/163", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 44.91, + "t": 36.13409999999999, + "r": 157.14630000000005, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/164", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 7, + "bbox": { + "l": 511.69500000000005, + "t": 36.13409999999999, + "r": 567.0855000000001, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 12 + ] + } + ], + "orig": "PAGE 5 OF 30", + "text": "PAGE 5 OF 30" + }, + { + "self_ref": "#/texts/165", + "parent": { + "$ref": "#/groups/11" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 76.5, + "t": 747.0001, + "r": 296.05905000000007, + "b": 738.2637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 51 + ] + } + ], + "orig": "a. Air conditioning units, portable or window type;", + "text": "Air conditioning units, portable or window type;", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/166", + "parent": { + "$ref": "#/groups/11" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 76.5, + "t": 730.4001000000001, + "r": 236.1168, + "b": 721.6044340857788, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 34 + ] + } + ], + "orig": "b. Clothes washers and dryers; and", + "text": "Clothes washers and dryers; and", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/167", + "parent": { + "$ref": "#/groups/11" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 76.5, + "t": 713.8001, + "r": 299.94479999999965, + "b": 692.0637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 62 + ] + } + ], + "orig": "c. Food freezers, other than walk-in, and food in any freezer.", + "text": "Food freezers, other than walk-in, and food in any freezer.", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/168", + "parent": { + "$ref": "#/groups/11" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 58.5, + "t": 684.2001, + "r": 301.50359999999966, + "b": 461.46373238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 538 + ] + } + ], + "orig": "6. If you are a tenant and have insured personal property under Coverage B in this policy, we will cover such property, including your cooking stove or range and refrigerator. The policy will also cover improvements made or acquired solely at your expense in the dwelling or apartment in which you reside, but for not more than 10 percent of the limit of liability shown for personal property on the Declarations Page. Use of this insurance is at your option but reduces the personal property limit of liability.", + "text": "If you are a tenant and have insured personal property under Coverage B in this policy, we will cover such property, including your cooking stove or range and refrigerator. The policy will also cover improvements made or acquired solely at your expense in the dwelling or apartment in which you reside, but for not more than 10 percent of the limit of liability shown for personal property on the Declarations Page. Use of this insurance is at your option but reduces the personal property limit of liability.", + "enumerated": true, + "marker": "6." + }, + { + "self_ref": "#/texts/169", + "parent": { + "$ref": "#/groups/11" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 57.06, + "t": 451.1881, + "r": 301.5306, + "b": 155.40246080178179, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 492 + ] + } + ], + "orig": "7. If you are the owner of a unit and have insured personal property under Coverage B in this policy, we will also cover your interior walls, floor, and ceiling (not otherwise insured under a flood insurance policy purchased by your condominium association) for not more than 10 percent of the limit of liability shown for personal property on the Declarations Page. Use of this insurance is at your option but reduces the personal property limit of liability.", + "text": " If you are the owner of a unit and have insured personal property under Coverage B in this policy, we will also cover your interior walls, floor, and ceiling (not otherwise insured under a flood insurance policy purchased by your condominium association) for not more than 10 percent of the limit of liability shown for personal property on the Declarations Page. Use of this insurance is at your option but reduces the personal property limit of liability.", + "enumerated": true, + "marker": "7." + }, + { + "self_ref": "#/texts/170", + "parent": { + "$ref": "#/groups/11" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 57.06, + "t": 144.70810000000006, + "r": 301.53599999999983, + "b": 68.92246080178177, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 137 + ] + } + ], + "orig": "8. Special Limits. We will pay no more than $2,500 for any one loss to one or more of the following kinds of personal property:", + "text": "Special Limits. We will pay no more than $2,500 for any one loss to one or more of the following kinds of personal property:", + "enumerated": true, + "marker": "8." + }, + { + "self_ref": "#/texts/171", + "parent": { + "$ref": "#/groups/11" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 346.5, + "t": 747.0001, + "r": 556.6233600000004, + "b": 712.2637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 130 + ] + } + ], + "orig": "a. Artwork, photographs, collectibles, or memorabilia, including but not limited to, porcelain or other figures, and sports cards;", + "text": "Artwork, photographs, collectibles, or memorabilia, including but not limited to, porcelain or other figures, and sports cards;", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/172", + "parent": { + "$ref": "#/groups/11" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 346.5, + "t": 704.4001000000001, + "r": 511.5516299999995, + "b": 695.6637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 35 + ] + } + ], + "orig": "b. Rare books or autographed items;", + "text": "Rare books or autographed items;", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/173", + "parent": { + "$ref": "#/groups/11" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 346.5, + "t": 687.8001, + "r": 564.1691399999999, + "b": 666.0637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 97 + ] + } + ], + "orig": "c. Jewelry, watches, precious and semi-precious stones, or articles of gold, silver, or platinum;", + "text": "Jewelry, watches, precious and semi-precious stones, or articles of gold, silver, or platinum;", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/174", + "parent": { + "$ref": "#/groups/11" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 346.5, + "t": 658.2001, + "r": 526.1254199999994, + "b": 636.4044340857788, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 77 + ] + } + ], + "orig": "d. Furs or any article containing fur that represents its principal value; or", + "text": "Furs or any article containing fur that represents its principal value; or", + "enumerated": true, + "marker": "d." + }, + { + "self_ref": "#/texts/175", + "parent": { + "$ref": "#/groups/11" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 346.5, + "t": 628.6001, + "r": 537.6658500000009, + "b": 619.8637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 42 + ] + } + ], + "orig": "e. Personal property used in any business.", + "text": "Personal property used in any business.", + "enumerated": true, + "marker": "e." + }, + { + "self_ref": "#/texts/176", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 327.06, + "t": 609.5880999999999, + "r": 571.5449999999996, + "b": 573.8024608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 57 + ] + } + ], + "orig": "9. We will pay only for the functional value of antiques.", + "text": "9. We will pay only for the functional value of antiques.", + "level": 1 + }, + { + "self_ref": "#/texts/177", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 315.0, + "t": 555.9630999999999, + "r": 461.8770794999997, + "b": 546.7390562289562, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 29 + ] + } + ], + "orig": "C. Coverage C-Other Coverages", + "text": "C. Coverage C-Other Coverages", + "level": 1 + }, + { + "self_ref": "#/texts/178", + "parent": { + "$ref": "#/groups/12" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 328.5, + "t": 538.1201, + "r": 414.9555300000003, + "b": 529.3352964085298, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 17 + ] + } + ], + "orig": "1. Debris Removal", + "text": "Debris Removal", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/179", + "parent": { + "$ref": "#/groups/12" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 346.5, + "t": 520.6201, + "r": 569.9675700000003, + "b": 485.88373238512037, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 136 + ] + } + ], + "orig": "a. We will pay the expense to remove non-owned debris that is on or in insured property and debris of insured property anywhere.", + "text": "We will pay the expense to remove non-owned debris that is on or in insured property and debris of insured property anywhere.", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/180", + "parent": { + "$ref": "#/groups/12" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 346.5, + "t": 478.0201, + "r": 570.0012300000003, + "b": 443.28373238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 131 + ] + } + ], + "orig": "b. If you or a member of your household perform the removal work, the value of your work will be based on the Federal minimum wage.", + "text": "If you or a member of your household perform the removal work, the value of your work will be based on the Federal minimum wage.", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/181", + "parent": { + "$ref": "#/groups/12" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 346.5, + "t": 435.4201, + "r": 569.9448000000001, + "b": 413.6837323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 83 + ] + } + ], + "orig": "c. This coverage does not increase the Coverage A or Coverage B limit of liability.", + "text": "This coverage does not increase the Coverage A or Coverage B limit of liability.", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/182", + "parent": { + "$ref": "#/groups/12" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 328.5, + "t": 400.4201, + "r": 458.5937400000005, + "b": 391.6352964085297, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 26 + ] + } + ], + "orig": "2. Loss Avoidance Measures", + "text": "Loss Avoidance Measures", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/183", + "parent": { + "$ref": "#/groups/12" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 346.5, + "t": 382.9201, + "r": 496.27592999999933, + "b": 374.1352964085297, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 32 + ] + } + ], + "orig": "a. Sandbags, Supplies, and Labor", + "text": "Sandbags, Supplies, and Labor", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/184", + "parent": { + "$ref": "#/groups/12" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 364.5, + "t": 366.3201, + "r": 569.9862000000005, + "b": 318.58373238512036, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 155 + ] + } + ], + "orig": "(1) We will pay up to $1,000 for costs you incur to protect the insured building from a flood or imminent danger of flood, for the following:", + "text": "We will pay up to $1,000 for costs you incur to protect the insured building from a flood or imminent danger of flood, for the following:", + "enumerated": true, + "marker": "(1)" + }, + { + "self_ref": "#/texts/185", + "parent": { + "$ref": "#/groups/12" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 381.6, + "t": 309.8201, + "r": 543.38724, + "b": 301.08373238512036, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 37 + ] + } + ], + "orig": "(a) Your reasonable expenses to buy:", + "text": "(a) Your reasonable expenses to buy:", + "enumerated": false, + "marker": "" + }, + { + "self_ref": "#/texts/186", + "parent": { + "$ref": "#/groups/12" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 381.96, + "t": 293.94010000000003, + "r": 562.2934500000001, + "b": 285.20373238512036, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 42 + ] + } + ], + "orig": "(i) Sandbags, including sand to fill them;", + "text": "(i) Sandbags, including sand to fill them;", + "enumerated": false, + "marker": "" + }, + { + "self_ref": "#/texts/187", + "parent": { + "$ref": "#/groups/12" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 381.96, + "t": 278.06010000000003, + "r": 505.1179800000002, + "b": 269.32373238512037, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 32 + ] + } + ], + "orig": "(ii) Fill for temporary levees;", + "text": "(ii) Fill for temporary levees;", + "enumerated": false, + "marker": "" + }, + { + "self_ref": "#/texts/188", + "parent": { + "$ref": "#/groups/12" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 381.96, + "t": 262.18010000000004, + "r": 449.17240000000004, + "b": 253.38443408577882, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 17 + ] + } + ], + "orig": "(iii) Pumps; and", + "text": "(iii) Pumps; and", + "enumerated": false, + "marker": "" + }, + { + "self_ref": "#/texts/189", + "parent": { + "$ref": "#/groups/12" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 381.96, + "t": 246.30010000000004, + "r": 561.2252399999995, + "b": 224.56373238512037, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 70 + ] + } + ], + "orig": "(iv) Plastic sheeting and lumber used in connection with these items.", + "text": "(iv) Plastic sheeting and lumber used in connection with these items.", + "enumerated": false, + "marker": "" + }, + { + "self_ref": "#/texts/190", + "parent": { + "$ref": "#/groups/12" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 381.6, + "t": 215.80010000000004, + "r": 567.7303499999998, + "b": 181.06373238512037, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 101 + ] + } + ], + "orig": "(b) The value of work, at the Federal minimum wage, that you or a member of your house-hold perform.", + "text": "(b) The value of work, at the Federal minimum wage, that you or a member of your house-hold perform.", + "enumerated": false, + "marker": "" + }, + { + "self_ref": "#/texts/191", + "parent": { + "$ref": "#/groups/12" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 364.5, + "t": 172.30010000000004, + "r": 569.9743200000003, + "b": 85.56373238512037, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 293 + ] + } + ], + "orig": "(2) This coverage for Sandbags, Supplies, and Labor only applies if damage to insured property by or from flood is imminent and the threat of flood damage is apparent enough to lead a person of common prudence to anticipate flood damage. One of the following must also occur:", + "text": "This coverage for Sandbags, Supplies, and Labor only applies if damage to insured property by or from flood is imminent and the threat of flood damage is apparent enough to lead a person of common prudence to anticipate flood damage. One of the following must also occur:", + "enumerated": true, + "marker": "(2)" + }, + { + "self_ref": "#/texts/192", + "parent": { + "$ref": "#/groups/12" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 381.6, + "t": 76.80010000000004, + "r": 568.4738400000005, + "b": 55.063732385120375, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 81 + ] + } + ], + "orig": "(a) A general and temporary condition of flooding in the area near the described", + "text": "(a) A general and temporary condition of flooding in the area near the described", + "enumerated": false, + "marker": "" + }, + { + "self_ref": "#/texts/193", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 45.0, + "t": 36.13409999999999, + "r": 157.23630000000006, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/194", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 8, + "bbox": { + "l": 511.605, + "t": 36.13409999999999, + "r": 566.9955000000001, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 12 + ] + } + ], + "orig": "PAGE 6 OF 30", + "text": "PAGE 6 OF 30" + }, + { + "self_ref": "#/texts/195", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 9, + "bbox": { + "l": 125.82, + "t": 747.0001, + "r": 290.63223000000016, + "b": 725.2044340857788, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 70 + ] + } + ], + "orig": "location must occur, even if the flood does not reach the building; or", + "text": "location must occur, even if the flood does not reach the building; or" + }, + { + "self_ref": "#/texts/196", + "parent": { + "$ref": "#/groups/13" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 9, + "bbox": { + "l": 111.42, + "t": 716.5001, + "r": 287.46918000000016, + "b": 642.7637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 213 + ] + } + ], + "orig": "(b) A legally authorized official must issue an evacuation order or other civil order for the community in which the building is located calling for measures to preserve life and property from the peril of flood.", + "text": "(b) A legally authorized official must issue an evacuation order or other civil order for the community in which the building is located calling for measures to preserve life and property from the peril of flood.", + "enumerated": false, + "marker": "" + }, + { + "self_ref": "#/texts/197", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 9, + "bbox": { + "l": 112.31639999999999, + "t": 634.0001, + "r": 299.8689299999999, + "b": 612.2637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 82 + ] + } + ], + "orig": "This coverage does not increase the Coverage A or Coverage B limit of liability.", + "text": "This coverage does not increase the Coverage A or Coverage B limit of liability." + }, + { + "self_ref": "#/texts/198", + "parent": { + "$ref": "#/groups/14" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 9, + "bbox": { + "l": 76.32, + "t": 603.5001, + "r": 218.41155000000018, + "b": 594.7152964085298, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 29 + ] + } + ], + "orig": "b. Property Removed to Safety", + "text": "Property Removed to Safety", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/199", + "parent": { + "$ref": "#/groups/14" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 9, + "bbox": { + "l": 94.32, + "t": 586.9001000000001, + "r": 299.90618999999975, + "b": 474.1637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 361 + ] + } + ], + "orig": "(1) We will pay up to $1,000 for the reasonable expenses you incur to move insured property to a place other than the described location that contains the property in order to protect it from flood or the imminent danger of flood. Reasonable expenses include the value of work, at the Federal minimum wage, you or a member of your household perform.", + "text": " We will pay up to $1,000 for the reasonable expenses you incur to move insured property to a place other than the described location that contains the property in order to protect it from flood or the imminent danger of flood. Reasonable expenses include the value of work, at the Federal minimum wage, you or a member of your household perform.", + "enumerated": true, + "marker": "(1)" + }, + { + "self_ref": "#/texts/200", + "parent": { + "$ref": "#/groups/14" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 9, + "bbox": { + "l": 94.32, + "t": 465.4001, + "r": 299.90024999999997, + "b": 326.66373238512034, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 457 + ] + } + ], + "orig": "(2) If you move insured property to a location other than the described location that contains the property in order to protect it from flood or the imminent danger of flood, we will cover such property while at that location for a period of 45 consecutive days from the date you begin to move it there. The personal property that is moved must be placed in a fully enclosed building or otherwise reasonably protected from the elements.", + "text": "If you move insured property to a location other than the described location that contains the property in order to protect it from flood or the imminent danger of flood, we will cover such property while at that location for a period of 45 consecutive days from the date you begin to move it there. The personal property that is moved must be placed in a fully enclosed building or otherwise reasonably protected from the elements.", + "enumerated": true, + "marker": "(2)" + }, + { + "self_ref": "#/texts/201", + "parent": { + "$ref": "#/groups/14" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 9, + "bbox": { + "l": 94.32, + "t": 317.9001, + "r": 299.8814400000001, + "b": 270.1637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 162 + ] + } + ], + "orig": "(3) Any property removed, including a moveable home described in II.6.b and c, must be placed above ground level or outside of the special flood hazard area.", + "text": "Any property removed, including a moveable home described in II.6.b and c, must be placed above ground level or outside of the special flood hazard area.", + "enumerated": true, + "marker": "(3)" + }, + { + "self_ref": "#/texts/202", + "parent": { + "$ref": "#/groups/14" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 9, + "bbox": { + "l": 94.32, + "t": 261.40010000000007, + "r": 293.3751600000001, + "b": 239.66373238512028, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 84 + ] + } + ], + "orig": "(4) This coverage does not increase the Coverage A or Coverage B limit of liability.", + "text": "This coverage does not increase the Coverage A or Coverage B limit of liability.", + "enumerated": true, + "marker": "(4)" + }, + { + "self_ref": "#/texts/203", + "parent": { + "$ref": "#/groups/14" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 9, + "bbox": { + "l": 58.32, + "t": 230.90010000000007, + "r": 222.32915999999997, + "b": 222.11529640852973, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 31 + ] + } + ], + "orig": "3. Condominium Loss Assessments", + "text": "Condominium Loss Assessments", + "enumerated": true, + "marker": "3." + }, + { + "self_ref": "#/texts/204", + "parent": { + "$ref": "#/groups/14" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 9, + "bbox": { + "l": 76.32, + "t": 213.40010000000007, + "r": 299.9132999999998, + "b": 61.6637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 547 + ] + } + ], + "orig": "a. Subject to III.C.3.b below, if this policy insures a condominium unit, we will pay, up to the Coverage A limit of liability, your share of loss assessments charged against you by the condominium association in accordance with the condominium association's articles of association, declarations and your deed. The assessment must be made because of direct physical loss by or from flood during the policy term, to the unit or to the common elements of the NFIP insured condominium building in which this unit is located.", + "text": "Subject to III.C.3.b below, if this policy insures a condominium unit, we will pay, up to the Coverage A limit of liability, your share of loss assessments charged against you by the condominium association in accordance with the condominium association's articles of association, declarations and your deed. The assessment must be made because of direct physical loss by or from flood during the policy term, to the unit or to the common elements of the NFIP insured condominium building in which this unit is located.", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/205", + "parent": { + "$ref": "#/groups/14" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 9, + "bbox": { + "l": 337.41, + "t": 747.0002, + "r": 525.5290800000001, + "b": 711.2165608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 40 + ] + } + ], + "orig": "b. We will not pay any loss assessment:", + "text": " We will not pay any loss assessment:", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/206", + "parent": { + "$ref": "#/groups/14" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 9, + "bbox": { + "l": 358.83, + "t": 703.4001999999999, + "r": 569.3085360000003, + "b": 647.6185608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 82 + ] + } + ], + "orig": "(1) Charged against you and the condominium association by any governmental body;", + "text": " Charged against you and the condominium association by any governmental body;", + "enumerated": true, + "marker": "(1)" + }, + { + "self_ref": "#/texts/207", + "parent": { + "$ref": "#/groups/14" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 9, + "bbox": { + "l": 358.83, + "t": 638.9001999999999, + "r": 566.4189060000001, + "b": 543.1225608017816, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 122 + ] + } + ], + "orig": "(2) That results from a deductible under the insurance purchased by the condominium association insuring common elements;", + "text": " That results from a deductible under the insurance purchased by the condominium association insuring common elements;", + "enumerated": true, + "marker": "(2)" + }, + { + "self_ref": "#/texts/208", + "parent": { + "$ref": "#/groups/14" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 9, + "bbox": { + "l": 358.83, + "t": 534.4001999999999, + "r": 544.7196180000004, + "b": 458.61456080178175, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 99 + ] + } + ], + "orig": "(3) That results from a loss to personal property, including contents of a condomin ium building;", + "text": " That results from a loss to personal property, including contents of a condomin ium building;", + "enumerated": true, + "marker": "(3)" + }, + { + "self_ref": "#/texts/209", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 9, + "bbox": { + "l": 358.83, + "t": 449.90020000000004, + "r": 570.1955039999999, + "b": 254.09775905511822, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 237 + ] + } + ], + "orig": "(4) In which the total payment combined under all policies exceeds the maximum amount of coverage available under the Act for a single unit in a condominium building where the unit is insured under both a Dwelling Policy and a RCBAP; or", + "text": "(4) In which the total payment combined under all policies exceeds the maximum amount of coverage available under the Act for a single unit in a condominium building where the unit is insured under both a Dwelling Policy and a RCBAP; or", + "level": 1 + }, + { + "self_ref": "#/texts/210", + "parent": { + "$ref": "#/groups/15" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 9, + "bbox": { + "l": 358.83, + "t": 245.40020000000004, + "r": 569.5756739999996, + "b": 129.62456080178185, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 162 + ] + } + ], + "orig": "(5) On any item of damage that has already been paid under a RCBAP where a single unit in a condominium building is insured by both a Dwelling Policy and a RCBAP.", + "text": "On any item of damage that has already been paid under a RCBAP where a single unit in a condominium building is insured by both a Dwelling Policy and a RCBAP.", + "enumerated": true, + "marker": "(5)" + }, + { + "self_ref": "#/texts/211", + "parent": { + "$ref": "#/groups/15" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 9, + "bbox": { + "l": 346.41, + "t": 122.41219999999998, + "r": 569.9884499999995, + "b": 61.675832385120316, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 235 + ] + } + ], + "orig": "c. Condominium Loss Assessment coverage does not increase the Coverage A Limit of Liability and is subject to the maximum coverage limits available for a single-family dwelling under the Act, payable between all", + "text": "Condominium Loss Assessment coverage does not increase the Coverage A Limit of Liability and is subject to the maximum coverage limits available for a single-family dwelling under the Act, payable between all", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/212", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 9, + "bbox": { + "l": 44.91, + "t": 36.13409999999999, + "r": 157.14630000000002, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/213", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 9, + "bbox": { + "l": 511.695, + "t": 36.13409999999999, + "r": 567.0837, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 12 + ] + } + ], + "orig": "PAGE 7 OF 30", + "text": "PAGE 7 OF 30" + }, + { + "self_ref": "#/texts/214", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 10, + "bbox": { + "l": 94.5, + "t": 747.0001, + "r": 299.93985000000015, + "b": 725.2637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 53 + ] + } + ], + "orig": "policies issued and covering the unit, under the Act.", + "text": "policies issued and covering the unit, under the Act." + }, + { + "self_ref": "#/texts/215", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 10, + "bbox": { + "l": 45.0, + "t": 712.3430999999999, + "r": 259.68678299999993, + "b": 703.1190562289562, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 42 + ] + } + ], + "orig": "D. Coverage D-Increased Cost of Compliance", + "text": "D. Coverage D-Increased Cost of Compliance", + "level": 1 + }, + { + "self_ref": "#/texts/216", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 10, + "bbox": { + "l": 58.5, + "t": 694.5001, + "r": 110.63916, + "b": 685.7152964085298, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 10 + ] + } + ], + "orig": "1. General", + "text": "1. General", + "level": 1 + }, + { + "self_ref": "#/texts/217", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 10, + "bbox": { + "l": 76.5, + "t": 677.0001, + "r": 299.9895300000001, + "b": 577.2637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 402 + ] + } + ], + "orig": "This policy pays you to comply with a State or local floodplain management law or ordinance affecting repair or reconstruction of a building suffering flood damage. Compliance activities eligible for payment are: elevation, floodproofing, relocation, or demolition (or any combination of these activities) of your building. Eligible floodproofing activities are limited to:", + "text": "This policy pays you to comply with a State or local floodplain management law or ordinance affecting repair or reconstruction of a building suffering flood damage. Compliance activities eligible for payment are: elevation, floodproofing, relocation, or demolition (or any combination of these activities) of your building. Eligible floodproofing activities are limited to:" + }, + { + "self_ref": "#/texts/218", + "parent": { + "$ref": "#/groups/16" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 10, + "bbox": { + "l": 76.5, + "t": 568.5001, + "r": 208.09160999999986, + "b": 559.7637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 29 + ] + } + ], + "orig": "a. Non-residential buildings.", + "text": "Non-residential buildings.", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/219", + "parent": { + "$ref": "#/groups/16" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 10, + "bbox": { + "l": 76.5, + "t": 551.9001000000001, + "r": 299.98539000000017, + "b": 504.1637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 148 + ] + } + ], + "orig": "b. Residential buildings with basements that satisfy FEMA's standards published in the Code of Federal Regulations [44 CFR 60.6(b) or (c)].", + "text": "Residential buildings with basements that satisfy FEMA's standards published in the Code of Federal Regulations [44 CFR 60.6(b) or (c)].", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/220", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 10, + "bbox": { + "l": 58.5, + "t": 493.24010000000004, + "r": 139.39667999999992, + "b": 484.48087519379845, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 21 + ] + } + ], + "orig": "2. Limit of Liability", + "text": "2. Limit of Liability", + "level": 1 + }, + { + "self_ref": "#/texts/221", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 10, + "bbox": { + "l": 76.5, + "t": 476.6401, + "r": 299.99646000000007, + "b": 311.90373238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 586 + ] + } + ], + "orig": "We will pay you up to $30,000 under this Coverage D-Increased Cost of Compliance, which only applies to policies with building coverage (Coverage A). Our payment of claims under Coverage D is in addition to the amount of coverage which you selected on the application and which appears on the Declarations Page. But the maximum you can collect under this policy for both Coverage A-Building Property and Coverage D-Increased Cost of Compliance cannot exceed the maximum permitted under the Act. We do not charge a separate deductible for a claim under Coverage D.", + "text": "We will pay you up to $30,000 under this Coverage D-Increased Cost of Compliance, which only applies to policies with building coverage (Coverage A). Our payment of claims under Coverage D is in addition to the amount of coverage which you selected on the application and which appears on the Declarations Page. But the maximum you can collect under this policy for both Coverage A-Building Property and Coverage D-Increased Cost of Compliance cannot exceed the maximum permitted under the Act. We do not charge a separate deductible for a claim under Coverage D." + }, + { + "self_ref": "#/texts/222", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 10, + "bbox": { + "l": 58.5, + "t": 300.9801, + "r": 115.94655000000002, + "b": 292.2208751937984, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 14 + ] + } + ], + "orig": "3. Eligibility", + "text": "3. Eligibility", + "level": 1 + }, + { + "self_ref": "#/texts/223", + "parent": { + "$ref": "#/groups/17" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 10, + "bbox": { + "l": 76.5, + "t": 284.3801, + "r": 299.9626200000001, + "b": 249.6437323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 124 + ] + } + ], + "orig": "a. A building insured under Coverage ABuilding Property sustaining a loss caused by a flood as defined by this policy must:", + "text": "A building insured under Coverage ABuilding Property sustaining a loss caused by a flood as defined by this policy must:", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/224", + "parent": { + "$ref": "#/groups/17" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 10, + "bbox": { + "l": 94.5, + "t": 241.78009999999995, + "r": 298.8902700000004, + "b": 207.0437323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 107 + ] + } + ], + "orig": "(1) Be a 'repetitive loss building.' A repetitive loss building is one that meets the following conditions:", + "text": "Be a 'repetitive loss building.' A repetitive loss building is one that meets the following conditions:", + "enumerated": true, + "marker": "(1)" + }, + { + "self_ref": "#/texts/225", + "parent": { + "$ref": "#/groups/17" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 10, + "bbox": { + "l": 111.6, + "t": 198.28009999999995, + "r": 297.6729300000001, + "b": 176.5437323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 84 + ] + } + ], + "orig": "(a) The building is insured by a contract of flood insurance issued under the NFIP.", + "text": "(a) The building is insured by a contract of flood insurance issued under the NFIP.", + "enumerated": false, + "marker": "" + }, + { + "self_ref": "#/texts/226", + "parent": { + "$ref": "#/groups/17" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 10, + "bbox": { + "l": 111.6, + "t": 167.78009999999995, + "r": 299.97468000000015, + "b": 120.04373238512039, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 139 + ] + } + ], + "orig": "(b) The building has suffered flood damage on two occasions during a 10-year period which ends on the date of the second loss.", + "text": "(b) The building has suffered flood damage on two occasions during a 10-year period which ends on the date of the second loss.", + "enumerated": false, + "marker": "" + }, + { + "self_ref": "#/texts/227", + "parent": { + "$ref": "#/groups/17" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 10, + "bbox": { + "l": 111.6, + "t": 111.28009999999995, + "r": 299.9835900000003, + "b": 63.54373238512039, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 169 + ] + } + ], + "orig": "(c) The cost to repair the flood damage, on average, equaled or exceeded 25 percent of the market value of the building at the time of each flood loss.", + "text": "(c) The cost to repair the flood damage, on average, equaled or exceeded 25 percent of the market value of the building at the time of each flood loss.", + "enumerated": false, + "marker": "" + }, + { + "self_ref": "#/texts/228", + "parent": { + "$ref": "#/groups/17" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 10, + "bbox": { + "l": 381.6, + "t": 747.0001, + "r": 569.9845799999996, + "b": 634.2044340857788, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 297 + ] + } + ], + "orig": "(d) In addition to the current claim, the NFIP must have paid the previous qualifying claim, and the State or community must have a cumulative, substantial damage provision or repetitive loss provision in its floodplain management law or ordinance being enforced against the building; or", + "text": "(d) In addition to the current claim, the NFIP must have paid the previous qualifying claim, and the State or community must have a cumulative, substantial damage provision or repetitive loss provision in its floodplain management law or ordinance being enforced against the building; or", + "enumerated": false, + "marker": "" + }, + { + "self_ref": "#/texts/229", + "parent": { + "$ref": "#/groups/17" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 10, + "bbox": { + "l": 364.5, + "t": 625.5001, + "r": 569.9951100000009, + "b": 525.7637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 330 + ] + } + ], + "orig": "(2) Be a building that has had flood damage in which the cost to repair equals or exceeds 50 percent of the market value of the building at the time of the flood. The State or community must have a substantial damage provision in its floodplain management law or ordinance being enforced against the building.", + "text": "Be a building that has had flood damage in which the cost to repair equals or exceeds 50 percent of the market value of the building at the time of the flood. The State or community must have a substantial damage provision in its floodplain management law or ordinance being enforced against the building.", + "enumerated": true, + "marker": "(2)" + }, + { + "self_ref": "#/texts/230", + "parent": { + "$ref": "#/groups/17" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 10, + "bbox": { + "l": 346.5, + "t": 517.0001, + "r": 569.9883599999998, + "b": 417.26373238512036, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 337 + ] + } + ], + "orig": "b. This Coverage D pays you to comply with State or local floodplain management laws or ordinances that meet the minimum standards of the National Flood Insurance Program found in the Code of Federal Regulations at 44 CFR 60.3. We pay for compliance activities that exceed those standards under these conditions:", + "text": "This Coverage D pays you to comply with State or local floodplain management laws or ordinances that meet the minimum standards of the National Flood Insurance Program found in the Code of Federal Regulations at 44 CFR 60.3. We pay for compliance activities that exceed those standards under these conditions:", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/231", + "parent": { + "$ref": "#/groups/17" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 10, + "bbox": { + "l": 364.5, + "t": 409.4001, + "r": 438.4726199999999, + "b": 400.66373238512034, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 16 + ] + } + ], + "orig": "(1) 3.a.1 above.", + "text": "3.a.1 above.", + "enumerated": true, + "marker": "(1)" + }, + { + "self_ref": "#/texts/232", + "parent": { + "$ref": "#/groups/17" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 10, + "bbox": { + "l": 364.5, + "t": 391.9001, + "r": 569.9832299999998, + "b": 123.16373238512028, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 855 + ] + } + ], + "orig": "(2) Elevation or floodproofing in any risk zone to preliminary or advisory base flood elevations provided by FEMA which the State or local government has adopted and is enforcing for flooddamaged buildings in such areas. (This includes compliance activities in B, C, X, or D zones which are being changed to zones with base flood elevations. This also includes compliance activities in zones where base flood elevations are being increased, and a flood-damaged building must comply with the higher advisory base flood elevation.) Increased Cost of Compliance coverage does not apply to situations in B, C, X, or D zones where the community has derived its own elevations and is enforcing elevation or floodproofing requirements for flooddamaged buildings to elevations derived solely by the community.", + "text": "Elevation or floodproofing in any risk zone to preliminary or advisory base flood elevations provided by FEMA which the State or local government has adopted and is enforcing for flooddamaged buildings in such areas. (This includes compliance activities in B, C, X, or D zones which are being changed to zones with base flood elevations. This also includes compliance activities in zones where base flood elevations are being increased, and a flood-damaged building must comply with the higher advisory base flood elevation.) Increased Cost of Compliance coverage does not apply to situations in B, C, X, or D zones where the community has derived its own elevations and is enforcing elevation or floodproofing requirements for flooddamaged buildings to elevations derived solely by the community.", + "enumerated": true, + "marker": "(2)" + }, + { + "self_ref": "#/texts/233", + "parent": { + "$ref": "#/groups/17" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 10, + "bbox": { + "l": 364.5, + "t": 114.40009999999995, + "r": 569.9822400000002, + "b": 53.6637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 188 + ] + } + ], + "orig": "(3) Elevation or floodproofing above the base flood elevation to meet State or local 'free-board' requirements, i.e., that a building must be elevated above the base flood elevation.", + "text": "Elevation or floodproofing above the base flood elevation to meet State or local 'free-board' requirements, i.e., that a building must be elevated above the base flood elevation.", + "enumerated": true, + "marker": "(3)" + }, + { + "self_ref": "#/texts/234", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 10, + "bbox": { + "l": 45.0, + "t": 36.13409999999999, + "r": 157.2363, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/235", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 10, + "bbox": { + "l": 511.605, + "t": 36.13409999999999, + "r": 566.9937000000001, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 12 + ] + } + ], + "orig": "PAGE 8 OF 30", + "text": "PAGE 8 OF 30" + }, + { + "self_ref": "#/texts/236", + "parent": { + "$ref": "#/groups/18" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 11, + "bbox": { + "l": 76.5, + "t": 747.0001, + "r": 299.97945, + "b": 647.2637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 336 + ] + } + ], + "orig": "c. Under the minimum NFIP criteria at 44 CFR 60.3(b)(4), States and communities must require the elevation or floodproofing of buildings in unnumbered A zones to the base flood elevation where elevation data is obtained from a Federal, State, or other source. Such compliance activities are eligible for Coverage D.", + "text": "Under the minimum NFIP criteria at 44 CFR 60.3(b)(4), States and communities must require the elevation or floodproofing of buildings in unnumbered A zones to the base flood elevation where elevation data is obtained from a Federal, State, or other source. Such compliance activities are eligible for Coverage D.", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/237", + "parent": { + "$ref": "#/groups/18" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 11, + "bbox": { + "l": 76.5, + "t": 639.4001000000001, + "r": 300.0022200000002, + "b": 552.6637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 288 + ] + } + ], + "orig": "d. Coverage D will pay for the incremental cost, after demolition or relocation, of elevating or floodproofing a building during its rebuilding at the same or another site to meet State or local floodplain management laws or ordinances, subject to Coverage D Exclusion 5.g below.", + "text": "Coverage D will pay for the incremental cost, after demolition or relocation, of elevating or floodproofing a building during its rebuilding at the same or another site to meet State or local floodplain management laws or ordinances, subject to Coverage D Exclusion 5.g below.", + "enumerated": true, + "marker": "d." + }, + { + "self_ref": "#/texts/238", + "parent": { + "$ref": "#/groups/18" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 11, + "bbox": { + "l": 76.5, + "t": 544.8001, + "r": 299.96262, + "b": 471.0637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 268 + ] + } + ], + "orig": "e. Coverage D will pay to bring a flood-damaged building into compliance with State or local floodplain management laws or ordinances even if the building had received a variance before the present loss from the applicable floodplain management requirements.", + "text": "Coverage D will pay to bring a flood-damaged building into compliance with State or local floodplain management laws or ordinances even if the building had received a variance before the present loss from the applicable floodplain management requirements.", + "enumerated": true, + "marker": "e." + }, + { + "self_ref": "#/texts/239", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 11, + "bbox": { + "l": 58.5, + "t": 460.1401, + "r": 118.83933000000007, + "b": 451.38087519379843, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "4. Conditions", + "text": "4. Conditions", + "level": 1 + }, + { + "self_ref": "#/texts/240", + "parent": { + "$ref": "#/groups/19" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 11, + "bbox": { + "l": 76.5, + "t": 442.0281, + "r": 301.495338, + "b": 66.2424608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 597 + ] + } + ], + "orig": "a. When a building insured under Coverage A-Building Property sustains a loss caused by a flood, our payment for the loss under this Coverage D will be for the increased cost to elevate, floodproof, relocate, or demolish (or any combination of these activities) caused by the enforcement of current State or local floodplain management ordinances or laws. Our payment for eligible demolition activities will be for the cost to demolish and clear the site of the building debris or a portion thereof caused by the enforcement of current State or local floodplain management", + "text": "When a building insured under Coverage A-Building Property sustains a loss caused by a flood, our payment for the loss under this Coverage D will be for the increased cost to elevate, floodproof, relocate, or demolish (or any combination of these activities) caused by the enforcement of current State or local floodplain management ordinances or laws. Our payment for eligible demolition activities will be for the cost to demolish and clear the site of the building debris or a portion thereof caused by the enforcement of current State or local floodplain management", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/241", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 11, + "bbox": { + "l": 364.5, + "t": 747.0002, + "r": 571.4686079999999, + "b": 611.2145608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 206 + ] + } + ], + "orig": "ordinances or laws. Eligible activities for the cost of clearing the site will include those necessary to discontinue utility service to the site and ensure proper abandonment of on-site utilities.", + "text": "ordinances or laws. Eligible activities for the cost of clearing the site will include those necessary to discontinue utility service to the site and ensure proper abandonment of on-site utilities." + }, + { + "self_ref": "#/texts/242", + "parent": { + "$ref": "#/groups/20" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 11, + "bbox": { + "l": 346.5, + "t": 603.4001999999999, + "r": 571.4757359999998, + "b": 467.61456080178175, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 199 + ] + } + ], + "orig": "b. When the building is repaired or rebuilt, it must be intended for the same occupancy as the present building unless otherwise required by current floodplain management ordinances or laws.", + "text": "When the building is repaired or rebuilt, it must be intended for the same occupancy as the present building unless otherwise required by current floodplain management ordinances or laws.", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/243", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 11, + "bbox": { + "l": 328.5, + "t": 458.2522, + "r": 387.5345100000001, + "b": 449.49297519379843, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "5. Exclusions", + "text": "5. Exclusions", + "level": 1 + }, + { + "self_ref": "#/texts/244", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 11, + "bbox": { + "l": 346.5, + "t": 440.1402, + "r": 571.5269999999999, + "b": 384.3545608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 74 + ] + } + ], + "orig": "Under this Coverage D (Increased Cost of Compliance), we will not pay for:", + "text": "Under this Coverage D (Increased Cost of Compliance), we will not pay for:" + }, + { + "self_ref": "#/texts/245", + "parent": { + "$ref": "#/groups/21" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 11, + "bbox": { + "l": 346.5, + "t": 373.6402, + "r": 571.4703899999998, + "b": 269.85456080178164, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 132 + ] + } + ], + "orig": "a. The cost to comply with any flood plain management law or ordinance in communities participating in the Emergency Program.", + "text": "The cost to comply with any flood plain management law or ordinance in communities participating in the Emergency Program.", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/246", + "parent": { + "$ref": "#/groups/21" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 11, + "bbox": { + "l": 346.5, + "t": 262.0402, + "r": 571.4703900000001, + "b": 106.25456080178174, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 255 + ] + } + ], + "orig": "b. The cost associated with enforcement of any ordinance or law that requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of pollutants.", + "text": "The cost associated with enforcement of any ordinance or law that requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of pollutants.", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/247", + "parent": { + "$ref": "#/groups/21" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 11, + "bbox": { + "l": 346.5, + "t": 98.4402, + "r": 571.4668259999999, + "b": 62.65456080178171, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 60 + ] + } + ], + "orig": "c. The loss in value to any insured building due to the", + "text": " The loss in value to any insured building due to the", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/248", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 11, + "bbox": { + "l": 44.91, + "t": 36.13409999999999, + "r": 157.14630000000005, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/249", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 11, + "bbox": { + "l": 511.69500000000005, + "t": 36.13409999999999, + "r": 567.0855000000001, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 12 + ] + } + ], + "orig": "PAGE 9 OF 30", + "text": "PAGE 9 OF 30" + }, + { + "self_ref": "#/texts/250", + "parent": { + "$ref": "#/groups/22" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 12, + "bbox": { + "l": 94.5, + "t": 747.0002, + "r": 301.47395400000005, + "b": 711.2145608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 37 + ] + } + ], + "orig": "requirements of any ordinance or law.", + "text": "requirements of any ordinance or law.", + "enumerated": false, + "marker": "" + }, + { + "self_ref": "#/texts/251", + "parent": { + "$ref": "#/groups/22" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 12, + "bbox": { + "l": 76.5, + "t": 703.4001999999999, + "r": 301.4614799999999, + "b": 587.6145608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 181 + ] + } + ], + "orig": "d. The loss in residual value of the undamaged portion of a building demolished as a consequence of enforcement of any State or local flood plain management law or ordinance.", + "text": "The loss in residual value of the undamaged portion of a building demolished as a consequence of enforcement of any State or local flood plain management law or ordinance.", + "enumerated": true, + "marker": "d." + }, + { + "self_ref": "#/texts/252", + "parent": { + "$ref": "#/groups/22" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 12, + "bbox": { + "l": 76.5, + "t": 579.8001999999999, + "r": 297.00648, + "b": 544.0145608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 62 + ] + } + ], + "orig": "e. Any Increased Cost of Compliance under this Coverage D:", + "text": "Any Increased Cost of Compliance under this Coverage D:", + "enumerated": true, + "marker": "e." + }, + { + "self_ref": "#/texts/253", + "parent": { + "$ref": "#/groups/22" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 12, + "bbox": { + "l": 90.9, + "t": 536.2002, + "r": 299.92960800000003, + "b": 460.3797590551181, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 114 + ] + } + ], + "orig": "(1) Until the building is elevated, floodproofed, demolished, or relocated on the same or to another premises; and", + "text": "Until the building is elevated, floodproofed, demolished, or relocated on the same or to another premises; and", + "enumerated": true, + "marker": "(1)" + }, + { + "self_ref": "#/texts/254", + "parent": { + "$ref": "#/groups/22" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 12, + "bbox": { + "l": 90.9, + "t": 451.7002, + "r": 299.61008999999984, + "b": 335.9145608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 147 + ] + } + ], + "orig": "(2) Unless the building is elevated, floodproofed, demolished, or relocated as soon as reasonably possible after the loss, not to exceed two years.", + "text": "Unless the building is elevated, floodproofed, demolished, or relocated as soon as reasonably possible after the loss, not to exceed two years.", + "enumerated": true, + "marker": "(2)" + }, + { + "self_ref": "#/texts/255", + "parent": { + "$ref": "#/groups/22" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 12, + "bbox": { + "l": 76.5, + "t": 327.2002, + "r": 301.4793, + "b": 231.41456080178182, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 164 + ] + } + ], + "orig": "f. Any code upgrade requirements, e.g., plumbing or electrical wiring, not specifically related to the State or local floodplain management law or ordinance.", + "text": " Any code upgrade requirements, e.g., plumbing or electrical wiring, not specifically related to the State or local floodplain management law or ordinance.", + "enumerated": true, + "marker": "f." + }, + { + "self_ref": "#/texts/256", + "parent": { + "$ref": "#/groups/22" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 12, + "bbox": { + "l": 76.5, + "t": 223.60019999999997, + "r": 301.472172, + "b": 87.81456080178168, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 181 + ] + } + ], + "orig": "g. Any compliance activities needed to bring additions or improvements made after the loss occurred into compliance with State or local flood plain management laws or ordinances.", + "text": "Any compliance activities needed to bring additions or improvements made after the loss occurred into compliance with State or local flood plain management laws or ordinances.", + "enumerated": true, + "marker": "g." + }, + { + "self_ref": "#/texts/257", + "parent": { + "$ref": "#/groups/22" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 12, + "bbox": { + "l": 346.5, + "t": 747.0002, + "r": 571.4721719999999, + "b": 671.2145608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 102 + ] + } + ], + "orig": "h. Loss due to any ordinance or law that you were required to comply with before the current loss.", + "text": "Loss due to any ordinance or law that you were required to comply with before the current loss.", + "enumerated": true, + "marker": "h." + }, + { + "self_ref": "#/texts/258", + "parent": { + "$ref": "#/groups/22" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 12, + "bbox": { + "l": 346.5, + "t": 663.4001999999999, + "r": 571.4810820000005, + "b": 467.61456080178175, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 304 + ] + } + ], + "orig": "i. Any rebuilding activity to standards that do not meet the NFIP's minimum requirements. This includes any situation where the insured has received from the State or community a variance in connection with the current flood loss to rebuild the property to an elevation below the base flood elevation.", + "text": " Any rebuilding activity to standards that do not meet the NFIP's minimum requirements. This includes any situation where the insured has received from the State or community a variance in connection with the current flood loss to rebuild the property to an elevation below the base flood elevation.", + "enumerated": true, + "marker": "i." + }, + { + "self_ref": "#/texts/259", + "parent": { + "$ref": "#/groups/22" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 12, + "bbox": { + "l": 346.5, + "t": 459.8002, + "r": 562.1986440000003, + "b": 424.0145608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 57 + ] + } + ], + "orig": "j. Increased Cost of Compliance for a garage or carport.", + "text": " Increased Cost of Compliance for a garage or carport.", + "enumerated": true, + "marker": "j." + }, + { + "self_ref": "#/texts/260", + "parent": { + "$ref": "#/groups/22" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 12, + "bbox": { + "l": 346.5, + "t": 416.2002, + "r": 553.1741000000001, + "b": 360.4145608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 67 + ] + } + ], + "orig": "k. Any building insured under an NFIP Group Flood Insurance Policy.", + "text": "Any building insured under an NFIP Group Flood Insurance Policy.", + "enumerated": true, + "marker": "k." + }, + { + "self_ref": "#/texts/261", + "parent": { + "$ref": "#/groups/22" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 12, + "bbox": { + "l": 346.5, + "t": 352.60020000000003, + "r": 571.4668260000001, + "b": 196.81456080178168, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 240 + ] + } + ], + "orig": "l. Assessments made by a condo minium association on individual condominium unit owners to pay increased costs of repairing commonly owned buildings after a flood in compliance with State or local floodplain management ordinances or laws.", + "text": " Assessments made by a condo minium association on individual condominium unit owners to pay increased costs of repairing commonly owned buildings after a flood in compliance with State or local floodplain management ordinances or laws.", + "enumerated": true, + "marker": "l." + }, + { + "self_ref": "#/texts/262", + "parent": { + "$ref": "#/groups/22" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 12, + "bbox": { + "l": 328.5, + "t": 187.6322, + "r": 410.2243199999999, + "b": 178.87297519379842, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 19 + ] + } + ], + "orig": "6. Other Provisions", + "text": "Other Provisions", + "enumerated": true, + "marker": "6." + }, + { + "self_ref": "#/texts/263", + "parent": { + "$ref": "#/groups/22" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 12, + "bbox": { + "l": 346.5, + "t": 171.0322, + "r": 569.9804400000004, + "b": 97.29583238512032, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 260 + ] + } + ], + "orig": "a. Increased Cost of Compliance coverage will not be included in the calculation to determine whether coverage meets the 80 percent insurance-to-value requirement for replacement cost coverage as set forth in Art. VII.R ('Loss Settlement') of this policy.", + "text": "Increased Cost of Compliance coverage will not be included in the calculation to determine whether coverage meets the 80 percent insurance-to-value requirement for replacement cost coverage as set forth in Art. VII.R ('Loss Settlement') of this policy.", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/264", + "parent": { + "$ref": "#/groups/22" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 12, + "bbox": { + "l": 346.5, + "t": 89.43219999999997, + "r": 569.9616300000001, + "b": 67.6958323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 66 + ] + } + ], + "orig": "b. All other conditions and provisions of this policy apply.", + "text": "All other conditions and provisions of this policy apply.", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/265", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 12, + "bbox": { + "l": 45.0, + "t": 36.13409999999999, + "r": 157.23630000000006, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/266", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 12, + "bbox": { + "l": 506.34900000000005, + "t": 36.13409999999999, + "r": 567.0027000000001, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "PAGE 10 OF 30", + "text": "PAGE 10 OF 30" + }, + { + "self_ref": "#/texts/267", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_header", + "prov": [ + { + "page_no": 13, + "bbox": { + "l": 234.1934, + "t": 739.6460000000001, + "r": 377.8072, + "b": 730.0801927194861, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 24 + ] + } + ], + "orig": "IV. PROPERTY NOT INSURED", + "text": "IV. PROPERTY NOT INSURED" + }, + { + "self_ref": "#/texts/268", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 13, + "bbox": { + "l": 45.0, + "t": 706.448, + "r": 288.9971999999997, + "b": 690.6623608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 38 + ] + } + ], + "orig": "We do not insure any of the following:", + "text": "We do not insure any of the following:", + "level": 1 + }, + { + "self_ref": "#/texts/269", + "parent": { + "$ref": "#/groups/23" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 13, + "bbox": { + "l": 57.06, + "t": 682.848, + "r": 301.4946, + "b": 647.0643608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 43 + ] + } + ], + "orig": "1. Personal property not inside a building.", + "text": "Personal property not inside a building.", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/270", + "parent": { + "$ref": "#/groups/23" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 13, + "bbox": { + "l": 57.06, + "t": 636.3679999999999, + "r": 301.5360000000001, + "b": 520.5923608017815, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 204 + ] + } + ], + "orig": "2. A building, and personal property in it, located entirely in, on, or over water or seaward of mean high tide if it was constructed or substantially improved after September 30, 1982.", + "text": "A building, and personal property in it, located entirely in, on, or over water or seaward of mean high tide if it was constructed or substantially improved after September 30, 1982.", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/271", + "parent": { + "$ref": "#/groups/23" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 13, + "bbox": { + "l": 57.06, + "t": 509.88800000000003, + "r": 301.50539999999984, + "b": 394.1123608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 181 + ] + } + ], + "orig": "3. Open structures, including a building used as a boathouse or any structure or building into which boats are floated, and personal property located in, on, or over water.", + "text": "Open structures, including a building used as a boathouse or any structure or building into which boats are floated, and personal property located in, on, or over water.", + "enumerated": true, + "marker": "3." + }, + { + "self_ref": "#/texts/272", + "parent": { + "$ref": "#/groups/23" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 13, + "bbox": { + "l": 57.06, + "t": 383.408, + "r": 301.52520000000004, + "b": 287.63036080178176, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 163 + ] + } + ], + "orig": "4. Recreational vehicles other than travel trailers described in the Definitions section (see II.C.6.c) whether affixed to a permanent foundation or on wheels.", + "text": "Recreational vehicles other than travel trailers described in the Definitions section (see II.C.6.c) whether affixed to a permanent foundation or on wheels.", + "enumerated": true, + "marker": "4." + }, + { + "self_ref": "#/texts/273", + "parent": { + "$ref": "#/groups/23" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 13, + "bbox": { + "l": 57.06, + "t": 276.928, + "r": 301.5234, + "b": 161.1523608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 185 + ] + } + ], + "orig": "5. Self-propelled vehicles or machines, including their parts and equipment. However, we do cover self-propelled vehicles or machines not licensed for use on public roads that are:", + "text": "Self-propelled vehicles or machines, including their parts and equipment. However, we do cover self-propelled vehicles or machines not licensed for use on public roads that are:", + "enumerated": true, + "marker": "5." + }, + { + "self_ref": "#/texts/274", + "parent": { + "$ref": "#/groups/23" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 13, + "bbox": { + "l": 76.5, + "t": 150.44799999999998, + "r": 301.4596979999999, + "b": 114.62955905511808, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 52 + ] + } + ], + "orig": "a. Used mainly to service the described location; or", + "text": "Used mainly to service the described location; or", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/275", + "parent": { + "$ref": "#/groups/23" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 13, + "bbox": { + "l": 76.5, + "t": 106.84799999999996, + "r": 301.47395400000005, + "b": 51.066360801781684, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 86 + ] + } + ], + "orig": "b. Designed and used to assist handicapped persons, while the vehicles or machines", + "text": "Designed and used to assist handicapped persons, while the vehicles or machines", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/276", + "parent": { + "$ref": "#/groups/23" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 13, + "bbox": { + "l": 364.50864, + "t": 706.446, + "r": 571.4719020000001, + "b": 670.6623608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 53 + ] + } + ], + "orig": "are inside a building at the described location.", + "text": "are inside a building at the described location.", + "enumerated": false, + "marker": "" + }, + { + "self_ref": "#/texts/277", + "parent": { + "$ref": "#/groups/23" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 13, + "bbox": { + "l": 324.0, + "t": 659.968, + "r": 571.4783999999997, + "b": 604.1863608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 81 + ] + } + ], + "orig": "6. Land, land values, lawns, trees, shrubs, plants, growing crops, or animals.", + "text": "Land, land values, lawns, trees, shrubs, plants, growing crops, or animals.", + "enumerated": true, + "marker": "6." + }, + { + "self_ref": "#/texts/278", + "parent": { + "$ref": "#/groups/23" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 13, + "bbox": { + "l": 324.0, + "t": 593.4879999999999, + "r": 571.5162, + "b": 477.7123608017816, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 185 + ] + } + ], + "orig": "7. Accounts, bills, coins, currency, deeds, evidences of debt, medals, money, scrip, stored value cards, postage stamps, securities, bullion, manuscripts, or other valuable papers.", + "text": "Accounts, bills, coins, currency, deeds, evidences of debt, medals, money, scrip, stored value cards, postage stamps, securities, bullion, manuscripts, or other valuable papers.", + "enumerated": true, + "marker": "7." + }, + { + "self_ref": "#/texts/279", + "parent": { + "$ref": "#/groups/23" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 13, + "bbox": { + "l": 324.0, + "t": 467.00800000000004, + "r": 571.5179999999999, + "b": 411.22236080178175, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 93 + ] + } + ], + "orig": "8. Underground structures and equip ment, including wells, septic tanks, and septic systems.", + "text": "Underground structures and equip ment, including wells, septic tanks, and septic systems.", + "enumerated": true, + "marker": "8." + }, + { + "self_ref": "#/texts/280", + "parent": { + "$ref": "#/groups/23" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 13, + "bbox": { + "l": 324.0, + "t": 400.528, + "r": 571.5072000000001, + "b": 264.7543608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 257 + ] + } + ], + "orig": "9. Those portions of walks, walkways, decks, driveways, patios and other surfaces, all whether protected by a roof or not, located outside the perimeter, exterior walls of the insured building or the building in which the insured unit is located.", + "text": "Those portions of walks, walkways, decks, driveways, patios and other surfaces, all whether protected by a roof or not, located outside the perimeter, exterior walls of the insured building or the building in which the insured unit is located.", + "enumerated": true, + "marker": "9." + }, + { + "self_ref": "#/texts/281", + "parent": { + "$ref": "#/groups/23" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 13, + "bbox": { + "l": 324.0, + "t": 254.048, + "r": 571.5035999999998, + "b": 178.2683608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 112 + ] + } + ], + "orig": "10. Containers, including related equipment, such as, but not limited to, tanks containing gases or liquids.", + "text": "Containers, including related equipment, such as, but not limited to, tanks containing gases or liquids.", + "enumerated": true, + "marker": "10." + }, + { + "self_ref": "#/texts/282", + "parent": { + "$ref": "#/groups/23" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 13, + "bbox": { + "l": 324.0, + "t": 167.56799999999998, + "r": 571.5233999999998, + "b": 51.79236080178168, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 215 + ] + } + ], + "orig": "11. Buildings or units and all their contents if more than 49 percent of the actual cash value of the building is below ground, unless the lowest level is at or above the base flood elevation and is below", + "text": "Buildings or units and all their contents if more than 49 percent of the actual cash value of the building is below ground, unless the lowest level is at or above the base flood elevation and is below", + "enumerated": true, + "marker": "11." + }, + { + "self_ref": "#/texts/283", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 13, + "bbox": { + "l": 44.91, + "t": 36.13409999999999, + "r": 157.14630000000002, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/284", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 13, + "bbox": { + "l": 506.313, + "t": 36.13409999999999, + "r": 567.0882000000001, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "PAGE 11 OF 30", + "text": "PAGE 11 OF 30" + }, + { + "self_ref": "#/texts/285", + "parent": { + "$ref": "#/groups/24" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 14, + "bbox": { + "l": 81.0, + "t": 747.0002, + "r": 301.5180000000001, + "b": 671.2205608017816, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 123 + ] + } + ], + "orig": "ground by reason of earth having been used as insulation material in conjunction with energy efficient building techniques.", + "text": "ground by reason of earth having been used as insulation material in conjunction with energy efficient building techniques.", + "enumerated": false, + "marker": "" + }, + { + "self_ref": "#/texts/286", + "parent": { + "$ref": "#/groups/24" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 14, + "bbox": { + "l": 54.0, + "t": 660.5201999999999, + "r": 301.49640000000016, + "b": 604.7365608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 85 + ] + } + ], + "orig": "12. Fences, retaining walls, seawalls, bulkheads, wharves, piers, bridges, and docks.", + "text": "Fences, retaining walls, seawalls, bulkheads, wharves, piers, bridges, and docks.", + "enumerated": true, + "marker": "12." + }, + { + "self_ref": "#/texts/287", + "parent": { + "$ref": "#/groups/24" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 14, + "bbox": { + "l": 54.0, + "t": 594.0401999999999, + "r": 301.51439999999957, + "b": 558.2565608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 63 + ] + } + ], + "orig": "13. Aircraft or watercraft, or their furnishings and equipment.", + "text": "Aircraft or watercraft, or their furnishings and equipment.", + "enumerated": true, + "marker": "13." + }, + { + "self_ref": "#/texts/288", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 14, + "bbox": { + "l": 351.0, + "t": 747.0002, + "r": 567.0, + "b": 711.2145608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 48 + ] + } + ], + "orig": "filters, pumps, and pipes, wherever located.", + "text": "filters, pumps, and pipes, wherever located." + }, + { + "self_ref": "#/texts/289", + "parent": { + "$ref": "#/groups/25" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 14, + "bbox": { + "l": 324.0, + "t": 700.5201999999999, + "r": 571.5144, + "b": 584.7445608017815, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 185 + ] + } + ], + "orig": "15. Property not eligible for flood insurance pursuant to the provisions of the Coastal Barrier Resources Act and the Coastal Barrier Improvement Act and amendments to these acts.", + "text": "Property not eligible for flood insurance pursuant to the provisions of the Coastal Barrier Resources Act and the Coastal Barrier Improvement Act and amendments to these acts.", + "enumerated": true, + "marker": "15." + }, + { + "self_ref": "#/texts/290", + "parent": { + "$ref": "#/groups/25" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 14, + "bbox": { + "l": 54.0, + "t": 547.5602, + "r": 301.51079999999985, + "b": 471.78056080178175, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 143 + ] + } + ], + "orig": "14. Hot tubs and spas that are not bathroom fixtures, and swimming pools, and their equipment, such as, but not limited to, heaters,", + "text": "Hot tubs and spas that are not bathroom fixtures, and swimming pools, and their equipment, such as, but not limited to, heaters,", + "enumerated": true, + "marker": "14." + }, + { + "self_ref": "#/texts/291", + "parent": { + "$ref": "#/groups/25" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 14, + "bbox": { + "l": 324.0, + "t": 574.0401999999999, + "r": 571.5144000000004, + "b": 498.2605608017816, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 125 + ] + } + ], + "orig": "16. Personal property you own in common with other unit owners comprising the membership of a condominium association.", + "text": "Personal property you own in common with other unit owners comprising the membership of a condominium association.", + "enumerated": true, + "marker": "16." + }, + { + "self_ref": "#/texts/292", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 14, + "bbox": { + "l": 267.2807, + "t": 447.27819999999997, + "r": 344.71849999999995, + "b": 437.71239271948605, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "V. EXCLUSIONS", + "text": "V. EXCLUSIONS", + "level": 1 + }, + { + "self_ref": "#/texts/293", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 14, + "bbox": { + "l": 45.0, + "t": 414.9802, + "r": 301.5089999999999, + "b": 359.19856080178175, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 108 + ] + } + ], + "orig": "A. We only pay for direct physical loss by or from flood, which means that we do not pay you for:", + "text": "A. We only pay for direct physical loss by or from flood, which means that we do not pay you for:" + }, + { + "self_ref": "#/texts/294", + "parent": { + "$ref": "#/groups/26" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 14, + "bbox": { + "l": 57.06, + "t": 348.5002, + "r": 250.01640000000003, + "b": 332.7145608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 30 + ] + } + ], + "orig": "1. Loss of revenue or profits;", + "text": "Loss of revenue or profits;", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/295", + "parent": { + "$ref": "#/groups/26" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 14, + "bbox": { + "l": 57.06, + "t": 322.0202, + "r": 282.05459999999994, + "b": 286.2365608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 64 + ] + } + ], + "orig": "2. Loss of access to the insured property or described location;", + "text": "Loss of access to the insured property or described location;", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/296", + "parent": { + "$ref": "#/groups/26" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 14, + "bbox": { + "l": 57.06, + "t": 275.5402, + "r": 282.05459999999994, + "b": 239.7565608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 61 + ] + } + ], + "orig": "3. Loss of use of the insured property or described location;", + "text": "Loss of use of the insured property or described location;", + "enumerated": true, + "marker": "3." + }, + { + "self_ref": "#/texts/297", + "parent": { + "$ref": "#/groups/26" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 14, + "bbox": { + "l": 57.06, + "t": 229.0602, + "r": 245.91779999999997, + "b": 193.27656080178178, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 52 + ] + } + ], + "orig": "4. Loss from interruption of business or production;", + "text": "Loss from interruption of business or production;", + "enumerated": true, + "marker": "4." + }, + { + "self_ref": "#/texts/298", + "parent": { + "$ref": "#/groups/26" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 14, + "bbox": { + "l": 57.06, + "t": 182.5802, + "r": 301.50359999999984, + "b": 106.80056080178178, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 138 + ] + } + ], + "orig": "5. Any additional living expenses incurred while the insured building is being repaired or is unable to be occupied for any reason;", + "text": " Any additional living expenses incurred while the insured building is being repaired or is unable to be occupied for any reason;", + "enumerated": true, + "marker": "5." + }, + { + "self_ref": "#/texts/299", + "parent": { + "$ref": "#/groups/26" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 14, + "bbox": { + "l": 57.06, + "t": 96.10019999999997, + "r": 301.5359999999999, + "b": 60.31656080178175, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 68 + ] + } + ], + "orig": "6. The cost of complying with any ordinance or law requiring or", + "text": "The cost of complying with any ordinance or law requiring or", + "enumerated": true, + "marker": "6." + }, + { + "self_ref": "#/texts/300", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 14, + "bbox": { + "l": 346.5, + "t": 414.98820000000006, + "r": 571.5035999999999, + "b": 259.1697590551182, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 260 + ] + } + ], + "orig": "regulating the construction, demolition, remodeling, renovation, or repair of property, including removal of any resulting debris. This exclusion does not apply to any eligible activities we describe in Coverage D-Increased Cost of Compliance; or", + "text": "regulating the construction, demolition, remodeling, renovation, or repair of property, including removal of any resulting debris. This exclusion does not apply to any eligible activities we describe in Coverage D-Increased Cost of Compliance; or" + }, + { + "self_ref": "#/texts/301", + "parent": { + "$ref": "#/groups/27" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 14, + "bbox": { + "l": 327.06, + "t": 248.50019999999995, + "r": 521.928, + "b": 212.71656080178172, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 39 + ] + } + ], + "orig": "7. Any other economic loss you suffer.", + "text": " Any other economic loss you suffer.", + "enumerated": true, + "marker": "7." + }, + { + "self_ref": "#/texts/302", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 14, + "bbox": { + "l": 315.0, + "t": 198.42020000000002, + "r": 571.5288, + "b": 62.64656080178179, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 286 + ] + } + ], + "orig": "B. Flood in Progress. If this policy became effective as of the time of a loan closing, as provided by 44 CFR 61.11(b), we will not pay for a loss caused by a flood that is a continuation of a flood that existed prior to coverage becoming effective.", + "text": "B. Flood in Progress. If this policy became effective as of the time of a loan closing, as provided by 44 CFR 61.11(b), we will not pay for a loss caused by a flood that is a continuation of a flood that existed prior to coverage becoming effective." + }, + { + "self_ref": "#/texts/303", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 14, + "bbox": { + "l": 45.0, + "t": 36.13409999999999, + "r": 157.2363, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/304", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 14, + "bbox": { + "l": 506.124, + "t": 36.13409999999999, + "r": 566.9937000000001, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "PAGE 12 OF 30", + "text": "PAGE 12 OF 30" + }, + { + "self_ref": "#/texts/305", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 45.0, + "t": 747.0002, + "r": 301.5287999999998, + "b": 591.2285608017814, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 303 + ] + } + ], + "orig": "In all other circumstances, we will not pay for a loss caused by a flood that is a continuation of a flood that existed on or before the day you submitted the application for coverage under this policy and the full amount due. We will determine the date of application using 44 CFR 61.11(f).", + "text": "In all other circumstances, we will not pay for a loss caused by a flood that is a continuation of a flood that existed on or before the day you submitted the application for coverage under this policy and the full amount due. We will determine the date of application using 44 CFR 61.11(f)." + }, + { + "self_ref": "#/texts/306", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 44.99999999999999, + "t": 576.9201999999999, + "r": 301.5306000000003, + "b": 461.1445608017816, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 184 + ] + } + ], + "orig": "C. We do not insure for loss to property caused directly by earth movement even if the earth movement is caused by flood. Some examples of earth movement that we do not cover are:", + "text": "C. We do not insure for loss to property caused directly by earth movement even if the earth movement is caused by flood. Some examples of earth movement that we do not cover are:" + }, + { + "self_ref": "#/texts/307", + "parent": { + "$ref": "#/groups/28" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 57.06, + "t": 450.4402, + "r": 154.63079999999997, + "b": 434.6545608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 15 + ] + } + ], + "orig": "1. Earthquake;", + "text": " Earthquake;", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/308", + "parent": { + "$ref": "#/groups/28" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 57.06, + "t": 423.9602, + "r": 142.91999999999993, + "b": 408.1745608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 14 + ] + } + ], + "orig": "2. Landslide;", + "text": " Landslide;", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/309", + "parent": { + "$ref": "#/groups/28" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 57.06, + "t": 397.4802, + "r": 190.05839999999995, + "b": 381.69456080178173, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 20 + ] + } + ], + "orig": "3. Land subsidence;", + "text": " Land subsidence;", + "enumerated": true, + "marker": "3." + }, + { + "self_ref": "#/texts/310", + "parent": { + "$ref": "#/groups/28" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 57.06, + "t": 371.0002, + "r": 143.49419999999998, + "b": 355.2145608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 14 + ] + } + ], + "orig": "4. Sinkholes;", + "text": " Sinkholes;", + "enumerated": true, + "marker": "4." + }, + { + "self_ref": "#/texts/311", + "parent": { + "$ref": "#/groups/28" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 57.06, + "t": 344.5202, + "r": 291.4308, + "b": 268.70175905511815, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 106 + ] + } + ], + "orig": "5. Destabilization or movement of land that results from accumulation of water in subsurface land area; or", + "text": "Destabilization or movement of land that results from accumulation of water in subsurface land area; or", + "enumerated": true, + "marker": "5." + }, + { + "self_ref": "#/texts/312", + "parent": { + "$ref": "#/groups/28" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 57.06, + "t": 258.0402, + "r": 183.72959999999992, + "b": 242.25456080178174, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 19 + ] + } + ], + "orig": "6. Gradual erosion.", + "text": "Gradual erosion.", + "enumerated": true, + "marker": "6." + }, + { + "self_ref": "#/texts/313", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 45.0, + "t": 231.56220000000008, + "r": 301.5107999999998, + "b": 135.78456080178182, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 194 + ] + } + ], + "orig": "We do, however, pay for losses from mudflow and land subsidence as a result of erosion that are specifically insured under our definition of flood (see II.B.1.c and II.B.2).", + "text": "We do, however, pay for losses from mudflow and land subsidence as a result of erosion that are specifically insured under our definition of flood (see II.B.1.c and II.B.2)." + }, + { + "self_ref": "#/texts/314", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 45.0, + "t": 120.58019999999999, + "r": 301.5287999999998, + "b": 64.79856080178172, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 104 + ] + } + ], + "orig": "D. We do not insure for direct physical loss caused directly or indirectly by any of the following:", + "text": "D. We do not insure for direct physical loss caused directly or indirectly by any of the following:" + }, + { + "self_ref": "#/texts/315", + "parent": { + "$ref": "#/groups/29" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 327.06, + "t": 747.0002, + "r": 537.2063999999997, + "b": 731.2145608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 34 + ] + } + ], + "orig": "1. The pressure or weight of ice;", + "text": " The pressure or weight of ice;", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/316", + "parent": { + "$ref": "#/groups/29" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 327.06, + "t": 720.5201999999999, + "r": 475.7381999999996, + "b": 704.7345608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 24 + ] + } + ], + "orig": "2. Freezing or thawing;", + "text": " Freezing or thawing;", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/317", + "parent": { + "$ref": "#/groups/29" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 327.06, + "t": 694.0401999999999, + "r": 517.4639999999999, + "b": 658.2565608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 44 + ] + } + ], + "orig": "3. Rain, snow, sleet, hail, or water spray;", + "text": " Rain, snow, sleet, hail, or water spray;", + "enumerated": true, + "marker": "3." + }, + { + "self_ref": "#/texts/318", + "parent": { + "$ref": "#/groups/29" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 327.06, + "t": 647.5602, + "r": 571.5197999999999, + "b": 591.7785608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 86 + ] + } + ], + "orig": "4. Water, moisture, mildew, or mold damage that results primarily from any condition:", + "text": " Water, moisture, mildew, or mold damage that results primarily from any condition:", + "enumerated": true, + "marker": "4." + }, + { + "self_ref": "#/texts/319", + "parent": { + "$ref": "#/groups/29" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 346.5, + "t": 581.0802, + "r": 553.6646460000006, + "b": 545.2617590551181, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 45 + ] + } + ], + "orig": "a. Substantially confined to the dwelling; or", + "text": "Substantially confined to the dwelling; or", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/320", + "parent": { + "$ref": "#/groups/29" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 346.5, + "t": 537.4802, + "r": 571.4490060000002, + "b": 501.69656080178174, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 61 + ] + } + ], + "orig": "b. That is within your control, including but not limited to:", + "text": "That is within your control, including but not limited to:", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/321", + "parent": { + "$ref": "#/groups/29" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 360.9, + "t": 493.8802, + "r": 518.7508559999995, + "b": 458.0965608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 46 + ] + } + ], + "orig": "(1) Design, structural, or mechanical defects;", + "text": "Design, structural, or mechanical defects;", + "enumerated": true, + "marker": "(1)" + }, + { + "self_ref": "#/texts/322", + "parent": { + "$ref": "#/groups/29" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 360.9, + "t": 449.3802, + "r": 556.9428599999998, + "b": 373.5657590551181, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 101 + ] + } + ], + "orig": "(2) Failure, stoppage, or breakage of water or sewer lines, drains, pumps, fixtures, or equipment; or", + "text": "Failure, stoppage, or breakage of water or sewer lines, drains, pumps, fixtures, or equipment; or", + "enumerated": true, + "marker": "(2)" + }, + { + "self_ref": "#/texts/323", + "parent": { + "$ref": "#/groups/29" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 360.9, + "t": 364.8802, + "r": 561.22056, + "b": 309.09856080178173, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 71 + ] + } + ], + "orig": "(3) Failure to inspect and maintain the property after a flood recedes;", + "text": "Failure to inspect and maintain the property after a flood recedes;", + "enumerated": true, + "marker": "(3)" + }, + { + "self_ref": "#/texts/324", + "parent": { + "$ref": "#/groups/29" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 327.06, + "t": 300.3802, + "r": 499.068, + "b": 264.5965608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 38 + ] + } + ], + "orig": "5. Water or water-borne material that:", + "text": "Water or water-borne material that:", + "enumerated": true, + "marker": "5." + }, + { + "self_ref": "#/texts/325", + "parent": { + "$ref": "#/groups/29" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 346.5, + "t": 253.90020000000004, + "r": 547.45794, + "b": 218.11656080178182, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 37 + ] + } + ], + "orig": "a. Backs up through sewers or drains;", + "text": "Backs up through sewers or drains;", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/326", + "parent": { + "$ref": "#/groups/29" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 346.5, + "t": 210.30020000000002, + "r": 564.1196399999997, + "b": 154.48375905511807, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 75 + ] + } + ], + "orig": "b. Discharges or overflows from a sump, sump pump, or related equipment; or", + "text": "Discharges or overflows from a sump, sump pump, or related equipment; or", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/327", + "parent": { + "$ref": "#/groups/29" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 346.5, + "t": 146.7002, + "r": 564.0073739999996, + "b": 110.91656080178177, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 54 + ] + } + ], + "orig": "c. Seeps or leaks on or through the insured property;", + "text": " Seeps or leaks on or through the insured property;", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/328", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 347.00076, + "t": 103.10419999999999, + "r": 571.4882099999995, + "b": 67.32056080178177, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 71 + ] + }, + { + "page_no": 16, + "bbox": { + "l": 77.0, + "t": 747.0002, + "r": 301.48745, + "b": 671.2205608017816, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 72, + 168 + ] + } + ], + "orig": "unless there is a flood in the area and the flood is the proximate cause of the sewer or drain backup, sump pump discharge or overflow, or the seepage of water;", + "text": "unless there is a flood in the area and the flood is the proximate cause of the sewer or drain backup, sump pump discharge or overflow, or the seepage of water;" + }, + { + "self_ref": "#/texts/329", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 44.91, + "t": 36.13409999999999, + "r": 157.14630000000002, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/330", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 15, + "bbox": { + "l": 506.286, + "t": 36.13409999999999, + "r": 567.0918, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "PAGE 13 OF 30", + "text": "PAGE 13 OF 30" + }, + { + "self_ref": "#/texts/331", + "parent": { + "$ref": "#/groups/30" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 16, + "bbox": { + "l": 57.06, + "t": 662.5002, + "r": 301.5215999999998, + "b": 566.7225608017816, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 174 + ] + } + ], + "orig": "6. The pressure or weight of water unless there is a flood in the area and the flood is the proximate cause of the damage from the pressure or weight of water;", + "text": "The pressure or weight of water unless there is a flood in the area and the flood is the proximate cause of the damage from the pressure or weight of water;", + "enumerated": true, + "marker": "6." + }, + { + "self_ref": "#/texts/332", + "parent": { + "$ref": "#/groups/30" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 16, + "bbox": { + "l": 57.06, + "t": 556.0201999999999, + "r": 301.51439999999997, + "b": 440.2445608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 186 + ] + } + ], + "orig": "7. Power, heating, or cooling failure unless the failure results from direct physical loss by or from flood to power, heating, or cooling equipment on the described location;", + "text": " Power, heating, or cooling failure unless the failure results from direct physical loss by or from flood to power, heating, or cooling equipment on the described location;", + "enumerated": true, + "marker": "7." + }, + { + "self_ref": "#/texts/333", + "parent": { + "$ref": "#/groups/30" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 16, + "bbox": { + "l": 57.06, + "t": 429.5402, + "r": 270.23400000000004, + "b": 393.75656080178175, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 46 + ] + } + ], + "orig": "8. Theft, fire, explosion, wind, or windstorm;", + "text": "Theft, fire, explosion, wind, or windstorm;", + "enumerated": true, + "marker": "8." + }, + { + "self_ref": "#/texts/334", + "parent": { + "$ref": "#/groups/30" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 16, + "bbox": { + "l": 54.0, + "t": 383.0602, + "r": 301.5306000000001, + "b": 347.2765608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 66 + ] + } + ], + "orig": "9. Anything you or any member of your household do or conspire", + "text": "Anything you or any member of your household do or conspire", + "enumerated": true, + "marker": "9." + }, + { + "self_ref": "#/texts/335", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 16, + "bbox": { + "l": 351.0, + "t": 747.0021999999999, + "r": 571.4964000000001, + "b": 711.183759055118, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 45 + ] + } + ], + "orig": "to do to deliberately cause loss by flood; or", + "text": "to do to deliberately cause loss by flood; or" + }, + { + "self_ref": "#/texts/336", + "parent": { + "$ref": "#/groups/31" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 16, + "bbox": { + "l": 324.0, + "t": 700.5201999999999, + "r": 571.5143999999997, + "b": 644.7385608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 92 + ] + } + ], + "orig": "10. Alteration of the insured property that significantly increases the risk of flooding.", + "text": "Alteration of the insured property that significantly increases the risk of flooding.", + "enumerated": true, + "marker": "10." + }, + { + "self_ref": "#/texts/337", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 16, + "bbox": { + "l": 315.0, + "t": 629.5401999999999, + "r": 571.5359999999997, + "b": 433.7725608017815, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 360 + ] + } + ], + "orig": "E. We do not insure for loss to any building or personal property located on land leased from the Federal Government, arising from or incident to the flooding of the land by the Federal Government, where the lease expressly holds the Federal Government harmless under flood insurance issued under any Federal Government program.", + "text": "E. We do not insure for loss to any building or personal property located on land leased from the Federal Government, arising from or incident to the flooding of the land by the Federal Government, where the lease expressly holds the Federal Government harmless under flood insurance issued under any Federal Government program." + }, + { + "self_ref": "#/texts/338", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 16, + "bbox": { + "l": 315.0, + "t": 418.5602, + "r": 571.5305999999999, + "b": 362.77856080178174, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 105 + ] + } + ], + "orig": "F. We do not pay for the testing for or monitoring of pollutants unless required by law or ordinance.", + "text": "F. We do not pay for the testing for or monitoring of pollutants unless required by law or ordinance." + }, + { + "self_ref": "#/texts/339", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 16, + "bbox": { + "l": 262.1274, + "t": 322.77819999999997, + "r": 349.87550000000033, + "b": 313.21239271948605, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 15 + ] + } + ], + "orig": "VI. DEDUCTIBLES", + "text": "VI. DEDUCTIBLES", + "level": 1 + }, + { + "self_ref": "#/texts/340", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 16, + "bbox": { + "l": 45.0, + "t": 291.9922, + "r": 299.99253000000016, + "b": 244.25583238512036, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 247 + ] + } + ], + "orig": "A. When a loss is insured under this policy, we will pay only that part of the loss that exceeds your deductible amount, subject to the limit of liability that applies. The deductible amount is shown on the Declarations Page.", + "text": "A. When a loss is insured under this policy, we will pay only that part of the loss that exceeds your deductible amount, subject to the limit of liability that applies. The deductible amount is shown on the Declarations Page." + }, + { + "self_ref": "#/texts/341", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 16, + "bbox": { + "l": 315.0, + "t": 291.9922, + "r": 569.97966, + "b": 270.25583238512036, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 116 + ] + } + ], + "orig": "B. In each loss from flood, separate deductibles apply to the building and personal property insured by this policy.", + "text": "B. In each loss from flood, separate deductibles apply to the building and personal property insured by this policy." + }, + { + "self_ref": "#/texts/342", + "parent": { + "$ref": "#/groups/32" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 16, + "bbox": { + "l": 315.0, + "t": 257.8922, + "r": 474.8931299999994, + "b": 249.10739640852967, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 36 + ] + } + ], + "orig": "C. The deductible does NOT apply to:", + "text": "The deductible does NOT apply to:", + "enumerated": true, + "marker": "C." + }, + { + "self_ref": "#/texts/343", + "parent": { + "$ref": "#/groups/32" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 16, + "bbox": { + "l": 328.5, + "t": 240.3922, + "r": 495.9504000000007, + "b": 231.65583238512033, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 36 + ] + } + ], + "orig": "1. III.C.2. Loss Avoidance Measures;", + "text": "III.C.2. Loss Avoidance Measures;", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/344", + "parent": { + "$ref": "#/groups/32" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 16, + "bbox": { + "l": 328.5, + "t": 222.8922, + "r": 539.3421, + "b": 214.09653408577879, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 44 + ] + } + ], + "orig": "2. III.C.3. Condominium Loss Assessments; or", + "text": "III.C.3. Condominium Loss Assessments; or", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/345", + "parent": { + "$ref": "#/groups/32" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 16, + "bbox": { + "l": 328.5, + "t": 205.3922, + "r": 504.67626000000104, + "b": 196.65583238512033, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 39 + ] + } + ], + "orig": "3. III.D. Increased Cost of Compliance.", + "text": "III.D. Increased Cost of Compliance.", + "enumerated": true, + "marker": "3." + }, + { + "self_ref": "#/texts/346", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 16, + "bbox": { + "l": 45.0012, + "t": 230.99220000000003, + "r": 300.0004499999999, + "b": 170.25583238512036, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 292 + ] + } + ], + "orig": "However, when a building under construction, alteration, or repair does not have at least two rigid exterior walls and a fully secured roof at the time of loss, your deductible amount will be two times the deductible that would otherwise apply to a completed building.", + "text": "However, when a building under construction, alteration, or repair does not have at least two rigid exterior walls and a fully secured roof at the time of loss, your deductible amount will be two times the deductible that would otherwise apply to a completed building." + }, + { + "self_ref": "#/texts/347", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 16, + "bbox": { + "l": 45.0, + "t": 36.13409999999999, + "r": 157.2363, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/348", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 16, + "bbox": { + "l": 506.313, + "t": 36.13409999999999, + "r": 566.9982000000001, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "PAGE 14 OF 30", + "text": "PAGE 14 OF 30" + }, + { + "self_ref": "#/texts/349", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_header", + "prov": [ + { + "page_no": 17, + "bbox": { + "l": 239.0119, + "t": 739.6460000000001, + "r": 372.99080000000015, + "b": 730.0801927194861, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "VII. GENERAL CONDITIONS", + "text": "VII. GENERAL CONDITIONS" + }, + { + "self_ref": "#/texts/350", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 17, + "bbox": { + "l": 45.0, + "t": 708.303, + "r": 144.98939250000006, + "b": 699.0789562289563, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 22 + ] + } + ], + "orig": "A. Pair and Set Clause", + "text": "A. Pair and Set Clause", + "level": 1 + }, + { + "self_ref": "#/texts/351", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 17, + "bbox": { + "l": 45.0, + "t": 690.46, + "r": 299.9259900000003, + "b": 668.7236323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 99 + ] + } + ], + "orig": "In case of loss to an article that is part of a pair or set, we will have the option of paying you:", + "text": "In case of loss to an article that is part of a pair or set, we will have the option of paying you:" + }, + { + "self_ref": "#/texts/352", + "parent": { + "$ref": "#/groups/33" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 17, + "bbox": { + "l": 58.5, + "t": 660.86, + "r": 299.9984400000002, + "b": 626.0643340857788, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 125 + ] + } + ], + "orig": "1. An amount equal to the cost of replacing the lost, damaged, or destroyed article, minus its depreciation; or", + "text": "An amount equal to the cost of replacing the lost, damaged, or destroyed article, minus its depreciation; or", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/353", + "parent": { + "$ref": "#/groups/33" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 17, + "bbox": { + "l": 58.5, + "t": 617.36, + "r": 299.97962999999993, + "b": 569.6236323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 172 + ] + } + ], + "orig": "2. The amount that represents the fair proportion of the total value of the pair or set that the lost, damaged, or destroyed article bears to the pair or set.", + "text": "The amount that represents the fair proportion of the total value of the pair or set that the lost, damaged, or destroyed article bears to the pair or set.", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/354", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 17, + "bbox": { + "l": 45.0, + "t": 556.703, + "r": 128.12766299999996, + "b": 547.4789562289562, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 18 + ] + } + ], + "orig": "B. Other Insurance", + "text": "B. Other Insurance", + "level": 1 + }, + { + "self_ref": "#/texts/355", + "parent": { + "$ref": "#/groups/34" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 17, + "bbox": { + "l": 57.06, + "t": 537.348, + "r": 301.5414000000001, + "b": 361.5783608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 298 + ] + } + ], + "orig": "1. If a loss insured by this policy is also insured by other insurance that includes flood coverage not issued under the Act, we will not pay more than the amount of insurance you are entitled to for lost, damaged, or destroyed property insured under this policy subject to the following:", + "text": "If a loss insured by this policy is also insured by other insurance that includes flood coverage not issued under the Act, we will not pay more than the amount of insurance you are entitled to for lost, damaged, or destroyed property insured under this policy subject to the following:", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/356", + "parent": { + "$ref": "#/groups/34" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 17, + "bbox": { + "l": 76.5, + "t": 350.868, + "r": 301.49533799999995, + "b": 215.09436080178182, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 229 + ] + } + ], + "orig": "a. We will pay only the proportion of the loss that the amount of insurance that applies under this policy bears to the total amount of insurance covering the loss, unless VII.B.1.b or c immediately below applies.", + "text": "We will pay only the proportion of the loss that the amount of insurance that applies under this policy bears to the total amount of insurance covering the loss, unless VII.B.1.b or c immediately below applies.", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/357", + "parent": { + "$ref": "#/groups/34" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 17, + "bbox": { + "l": 76.5, + "t": 206.36800000000005, + "r": 301.45078799999993, + "b": 130.58836080178185, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 105 + ] + } + ], + "orig": "b. If the other policy has a provision stating that it is excess insurance, this policy will be primary.", + "text": "If the other policy has a provision stating that it is excess insurance, this policy will be primary.", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/358", + "parent": { + "$ref": "#/groups/34" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 17, + "bbox": { + "l": 76.5, + "t": 121.86799999999994, + "r": 301.456134, + "b": 86.08436080178171, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 71 + ] + } + ], + "orig": "c. This policy will be primary (but subject to its own deductible)", + "text": " This policy will be primary (but subject to its own deductible)", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/359", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 17, + "bbox": { + "l": 364.50864, + "t": 706.454, + "r": 571.4915040000004, + "b": 490.6883608017813, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 343 + ] + } + ], + "orig": "up to the deductible in the other flood policy (except another policy as described in VII.B.1.b above). When the other deductible amount is reached, this policy will participate in the same proportion that the amount of insurance under this policy bears to the total amount of both policies, for the remainder of the loss.", + "text": "up to the deductible in the other flood policy (except another policy as described in VII.B.1.b above). When the other deductible amount is reached, this policy will participate in the same proportion that the amount of insurance under this policy bears to the total amount of both policies, for the remainder of the loss." + }, + { + "self_ref": "#/texts/360", + "parent": { + "$ref": "#/groups/35" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 17, + "bbox": { + "l": 327.06, + "t": 481.94800000000004, + "r": 571.5341999999998, + "b": 126.1963608017819, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 564 + ] + } + ], + "orig": "2. If there is other insurance issued under the Act in the name of your condominium association covering the same property insured by this policy, then this policy will be in excess over the other insurance, except where a condominium loss assessment to the unit owner results from a loss sustained by the condominium association that was not reimbursed under a flood insurance policy written in the name of the association under the Act because the building was not, at the time of loss, insured for an amount equal to the lesser of:", + "text": "If there is other insurance issued under the Act in the name of your condominium association covering the same property insured by this policy, then this policy will be in excess over the other insurance, except where a condominium loss assessment to the unit owner results from a loss sustained by the condominium association that was not reimbursed under a flood insurance policy written in the name of the association under the Act because the building was not, at the time of loss, insured for an amount equal to the lesser of:", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/361", + "parent": { + "$ref": "#/groups/35" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 17, + "bbox": { + "l": 346.5, + "t": 115.46799999999996, + "r": 554.7249360000004, + "b": 79.64955905511806, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 54 + ] + } + ], + "orig": "a. 80 percent or more of its full replacement cost; or", + "text": "80 percent or more of its full replacement cost; or", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/362", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 17, + "bbox": { + "l": 44.91, + "t": 36.13409999999999, + "r": 157.14630000000002, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/363", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 17, + "bbox": { + "l": 506.286, + "t": 36.13409999999999, + "r": 567.0855000000001, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "PAGE 15 OF 30", + "text": "PAGE 15 OF 30" + }, + { + "self_ref": "#/texts/364", + "parent": { + "$ref": "#/groups/36" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 18, + "bbox": { + "l": 76.5, + "t": 747.0002, + "r": 277.75553399999995, + "b": 691.2185608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 59 + ] + } + ], + "orig": "b. The maximum amount of insurance permitted under the Act.", + "text": "The maximum amount of insurance permitted under the Act.", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/365", + "parent": { + "$ref": "#/groups/36" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 18, + "bbox": { + "l": 57.06, + "t": 682.5002, + "r": 301.5180000000001, + "b": 566.7245608017815, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 172 + ] + } + ], + "orig": "3. The combined coverage payment under the other NFIP insurance and this policy cannot exceed the maximum coverage available under the Act, of $250,000 per single unit.", + "text": "The combined coverage payment under the other NFIP insurance and this policy cannot exceed the maximum coverage available under the Act, of $250,000 per single unit.", + "enumerated": true, + "marker": "3." + }, + { + "self_ref": "#/texts/366", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 18, + "bbox": { + "l": 45.0, + "t": 553.3752, + "r": 216.11510100000018, + "b": 544.1511562289562, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 34 + ] + } + ], + "orig": "C. Amendments, Waivers, Assignment", + "text": "C. Amendments, Waivers, Assignment", + "level": 1 + }, + { + "self_ref": "#/texts/367", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 18, + "bbox": { + "l": 45.0, + "t": 535.5322, + "r": 300.00321000000025, + "b": 448.7958323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 382 + ] + } + ], + "orig": "This policy cannot be changed, nor can any of its provisions be waived, without the express written consent of the Federal Insurance Administrator. No action we take under the terms of this policy constitutes a waiver of any of our rights. You may assign this policy in writing when you transfer title of your property to someone else except under these conditions:", + "text": "This policy cannot be changed, nor can any of its provisions be waived, without the express written consent of the Federal Insurance Administrator. No action we take under the terms of this policy constitutes a waiver of any of our rights. You may assign this policy in writing when you transfer title of your property to someone else except under these conditions:" + }, + { + "self_ref": "#/texts/368", + "parent": { + "$ref": "#/groups/37" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 18, + "bbox": { + "l": 76.5, + "t": 440.9322, + "r": 265.473, + "b": 419.1365340857788, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 54 + ] + } + ], + "orig": "a. When this policy insures only personal property; or", + "text": "When this policy insures only personal property; or", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/369", + "parent": { + "$ref": "#/groups/37" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 18, + "bbox": { + "l": 76.5, + "t": 411.3322, + "r": 273.8959200000002, + "b": 389.59583238512033, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 58 + ] + } + ], + "orig": "b. When this policy insures a building under construction.", + "text": "When this policy insures a building under construction.", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/370", + "parent": { + "$ref": "#/groups/37" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 18, + "bbox": { + "l": 45.0, + "t": 377.5752, + "r": 248.80529699999994, + "b": 368.35115622895626, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 45 + ] + } + ], + "orig": "D. Insufficient Premium or Rating Information", + "text": "Insufficient Premium or Rating Information", + "enumerated": true, + "marker": "D." + }, + { + "self_ref": "#/texts/371", + "parent": { + "$ref": "#/groups/37" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 18, + "bbox": { + "l": 57.06, + "t": 358.22020000000003, + "r": 301.51620000000014, + "b": 222.4445608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 228 + ] + } + ], + "orig": "1. Applicability. The following provisions apply to all instances where the premium paid on this policy is insufficient or where the rating information is insufficient, such as where an Elevation Certificate is not provided.", + "text": "Applicability. The following provisions apply to all instances where the premium paid on this policy is insufficient or where the rating information is insufficient, such as where an Elevation Certificate is not provided.", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/372", + "parent": { + "$ref": "#/groups/37" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 18, + "bbox": { + "l": 57.06, + "t": 211.74019999999996, + "r": 301.5252000000002, + "b": 55.96856080178179, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 254 + ] + } + ], + "orig": "2. Reforming the Policy with Re\u00ad duced Coverage. Except as otherwise provided in VII.D.1, if the premium we received from you was not sufficient to buy the kinds and amounts of coverage you requested, we will provide only the kinds and", + "text": "Reforming the Policy with Re\u00ad duced Coverage. Except as otherwise provided in VII.D.1, if the premium we received from you was not sufficient to buy the kinds and amounts of coverage you requested, we will provide only the kinds and", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/373", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 18, + "bbox": { + "l": 346.5, + "t": 747.0062, + "r": 571.5126000000002, + "b": 691.2245608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 86 + ] + } + ], + "orig": "amounts of coverage that can be purchased for the premium payment we received.", + "text": "amounts of coverage that can be purchased for the premium payment we received." + }, + { + "self_ref": "#/texts/374", + "parent": { + "$ref": "#/groups/38" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 18, + "bbox": { + "l": 346.5, + "t": 680.5201999999999, + "r": 571.4632620000001, + "b": 544.7465608017815, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 207 + ] + } + ], + "orig": "a. For the purpose of determining whether your premium payment is sufficient to buy the kinds and amounts of coverage you requested, we will first deduct the costs of all applicable fees and surcharges.", + "text": "For the purpose of determining whether your premium payment is sufficient to buy the kinds and amounts of coverage you requested, we will first deduct the costs of all applicable fees and surcharges.", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/375", + "parent": { + "$ref": "#/groups/38" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 18, + "bbox": { + "l": 346.5, + "t": 536.9201999999999, + "r": 571.4366040000008, + "b": 301.1565608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 366 + ] + } + ], + "orig": "b. If the amount paid, after deducting the costs of all applicable fees and surcharges, is not sufficient to buy any amount of coverage, your payment will be refunded. Unless the policy is reformed to increase the coverage amount to the amount originally requested pursuant to VII.D.3, this policy will be cancelled, and no claims will be paid under this policy.", + "text": "If the amount paid, after deducting the costs of all applicable fees and surcharges, is not sufficient to buy any amount of coverage, your payment will be refunded. Unless the policy is reformed to increase the coverage amount to the amount originally requested pursuant to VII.D.3, this policy will be cancelled, and no claims will be paid under this policy.", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/376", + "parent": { + "$ref": "#/groups/38" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 18, + "bbox": { + "l": 346.5, + "t": 293.3202, + "r": 571.4561340000001, + "b": 177.5445608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 176 + ] + } + ], + "orig": "c. Coverage limits on the reformed policy will be based upon the amount of premium submitted per type of coverage, but will not exceed the amount originally requested.", + "text": " Coverage limits on the reformed policy will be based upon the amount of premium submitted per type of coverage, but will not exceed the amount originally requested.", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/377", + "parent": { + "$ref": "#/groups/38" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 18, + "bbox": { + "l": 327.06, + "t": 166.84019999999998, + "r": 571.5611999999996, + "b": 51.06456080178168, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 180 + ] + } + ], + "orig": "3. Discovery of Insufficient Premium or Rating Information. If we discover that your premium payment was not sufficient to buy the requested amount of coverage, the policy will", + "text": "Discovery of Insufficient Premium or Rating Information. If we discover that your premium payment was not sufficient to buy the requested amount of coverage, the policy will", + "enumerated": true, + "marker": "3." + }, + { + "self_ref": "#/texts/378", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 18, + "bbox": { + "l": 45.0, + "t": 36.13409999999999, + "r": 157.2363, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/379", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 18, + "bbox": { + "l": 506.367, + "t": 36.13409999999999, + "r": 566.9973000000001, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "PAGE 16 OF 30", + "text": "PAGE 16 OF 30" + }, + { + "self_ref": "#/texts/380", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 19, + "bbox": { + "l": 76.5, + "t": 747.0002, + "r": 301.52880000000005, + "b": 631.2145608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 172 + ] + } + ], + "orig": "be reformed as described in VII.D.2. You have the option of increasing the amount of coverage resulting from this reformation to the amount you requested as follows:", + "text": "be reformed as described in VII.D.2. You have the option of increasing the amount of coverage resulting from this reformation to the amount you requested as follows:" + }, + { + "self_ref": "#/texts/381", + "parent": { + "$ref": "#/groups/39" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 19, + "bbox": { + "l": 76.5, + "t": 620.5201999999999, + "r": 301.48108199999984, + "b": 244.73456080178175, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 572 + ] + } + ], + "orig": "a. Insufficient Premium. If we discover that your premium payment was not sufficient to buy the requested amount of coverage, we will send you, and any mortgagee or trustee known to us, a bill for the required additional premium for the current policy term (or that portion of the current policy term following any endorsement changing the amount of coverage). If it is discovered that the initial amount charged to you for any fees or surcharges is incorrect, the difference will be added or deducted, as applicable, to the total amount in this bill.", + "text": "Insufficient Premium. If we discover that your premium payment was not sufficient to buy the requested amount of coverage, we will send you, and any mortgagee or trustee known to us, a bill for the required additional premium for the current policy term (or that portion of the current policy term following any endorsement changing the amount of coverage). If it is discovered that the initial amount charged to you for any fees or surcharges is incorrect, the difference will be added or deducted, as applicable, to the total amount in this bill.", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/382", + "parent": { + "$ref": "#/groups/39" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 19, + "bbox": { + "l": 90.9, + "t": 236.92020000000002, + "r": 296.812998, + "b": 61.13456080178173, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 243 + ] + } + ], + "orig": "(1) If you or the mortgagee or trustee pays the additional premium amount due within 30 days from the date of our bill, we will reform the policy to increase the amount of coverage to the originally requested amount, effective to the beginning", + "text": "If you or the mortgagee or trustee pays the additional premium amount due within 30 days from the date of our bill, we will reform the policy to increase the amount of coverage to the originally requested amount, effective to the beginning", + "enumerated": true, + "marker": "(1)" + }, + { + "self_ref": "#/texts/383", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 19, + "bbox": { + "l": 382.5, + "t": 747.0002, + "r": 555.4063799999996, + "b": 671.2145608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 99 + ] + } + ], + "orig": "of the current policy term (or subsequent date of any endorsement changing the amount of coverage).", + "text": "of the current policy term (or subsequent date of any endorsement changing the amount of coverage)." + }, + { + "self_ref": "#/texts/384", + "parent": { + "$ref": "#/groups/40" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 19, + "bbox": { + "l": 360.9, + "t": 662.5002, + "r": 561.0162779999998, + "b": 506.7145608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 198 + ] + } + ], + "orig": "(2) If you or the mortgagee or trustee do not pay the additional amount due within 30 days of the date of our bill, any flood insurance claim will be settled based on the reduced amount of coverage.", + "text": "If you or the mortgagee or trustee do not pay the additional amount due within 30 days of the date of our bill, any flood insurance claim will be settled based on the reduced amount of coverage.", + "enumerated": true, + "marker": "(2)" + }, + { + "self_ref": "#/texts/385", + "parent": { + "$ref": "#/groups/40" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 19, + "bbox": { + "l": 360.9, + "t": 498.0002, + "r": 565.9365059999998, + "b": 382.2145608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 155 + ] + } + ], + "orig": "(3) As applicable, you have the option of paying all or part of the amount due out of a claim payment based on the originally requested amount of coverage.", + "text": "As applicable, you have the option of paying all or part of the amount due out of a claim payment based on the originally requested amount of coverage.", + "enumerated": true, + "marker": "(3)" + }, + { + "self_ref": "#/texts/386", + "parent": { + "$ref": "#/groups/40" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 19, + "bbox": { + "l": 346.5, + "t": 373.5002, + "r": 571.477518, + "b": 177.71456080178177, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 283 + ] + } + ], + "orig": "b. Insufficient Rating Inform\u00ad ation. If we determine that the rating information we have is insufficient and prevents us from calculating the additional premium, we will ask you to send the required information. You must submit the information within 60 days of our request.", + "text": "Insufficient Rating Inform\u00ad ation. If we determine that the rating information we have is insufficient and prevents us from calculating the additional premium, we will ask you to send the required information. You must submit the information within 60 days of our request.", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/387", + "parent": { + "$ref": "#/groups/40" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 19, + "bbox": { + "l": 360.9, + "t": 169.90020000000004, + "r": 565.8544439999998, + "b": 74.11456080178175, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 131 + ] + } + ], + "orig": "(1) If we receive the information within 60 days of our request, we will determine the amount of additional premium for the current", + "text": "If we receive the information within 60 days of our request, we will determine the amount of additional premium for the current", + "enumerated": true, + "marker": "(1)" + }, + { + "self_ref": "#/texts/388", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 19, + "bbox": { + "l": 44.91, + "t": 36.13409999999999, + "r": 157.14630000000005, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/389", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 19, + "bbox": { + "l": 506.86199999999997, + "t": 36.13409999999999, + "r": 567.0927, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "PAGE 17 OF 30", + "text": "PAGE 17 OF 30" + }, + { + "self_ref": "#/texts/390", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 20, + "bbox": { + "l": 112.5, + "t": 747.0002, + "r": 299.1299400000002, + "b": 711.2145608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 57 + ] + } + ], + "orig": "policy term, and follow the procedure in VII.D.3.a above.", + "text": "policy term, and follow the procedure in VII.D.3.a above." + }, + { + "self_ref": "#/texts/391", + "parent": { + "$ref": "#/groups/41" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 20, + "bbox": { + "l": 90.9, + "t": 702.5002, + "r": 293.3681400000001, + "b": 466.7145608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 300 + ] + } + ], + "orig": "(2) If we do not receive the information within 60 days of our request, no claims will be paid until the requested information is provided. Coverage will be limited to the amount of coverage that can be purchased for the payments we received, as determined when the requested information is provided.", + "text": "If we do not receive the information within 60 days of our request, no claims will be paid until the requested information is provided. Coverage will be limited to the amount of coverage that can be purchased for the payments we received, as determined when the requested information is provided.", + "enumerated": true, + "marker": "(2)" + }, + { + "self_ref": "#/texts/392", + "parent": { + "$ref": "#/groups/41" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 20, + "bbox": { + "l": 57.06, + "t": 458.0002, + "r": 301.5089999999999, + "b": 222.21456080178177, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 389 + ] + } + ], + "orig": "4. Coverage Increases. If we do not receive the amounts requested in VII.D.3.a or the additional information requested in VII.D.3.b by the date it is due, the amount of coverage under this policy can only be increased by endorsement subject to the appropriate waiting period. However, no coverage increases will be allowed until you have provided the information requested in VII.D.3.b.", + "text": "Coverage Increases. If we do not receive the amounts requested in VII.D.3.a or the additional information requested in VII.D.3.b by the date it is due, the amount of coverage under this policy can only be increased by endorsement subject to the appropriate waiting period. However, no coverage increases will be allowed until you have provided the information requested in VII.D.3.b.", + "enumerated": true, + "marker": "4." + }, + { + "self_ref": "#/texts/393", + "parent": { + "$ref": "#/groups/41" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 20, + "bbox": { + "l": 57.06, + "t": 211.52020000000005, + "r": 301.5396000000001, + "b": 55.734560801781754, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 246 + ] + } + ], + "orig": "5. Falsifying Information. However, if we find that you or your agent intentionally did not tell us, or falsified any important fact or circumstance or did anything fraudulent relating to this insurance, the provisions of VIII.A apply.", + "text": "Falsifying Information. However, if we find that you or your agent intentionally did not tell us, or falsified any important fact or circumstance or did anything fraudulent relating to this insurance, the provisions of VIII.A apply.", + "enumerated": true, + "marker": "5." + }, + { + "self_ref": "#/texts/394", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 20, + "bbox": { + "l": 315.0, + "t": 747.0001, + "r": 394.20770850000025, + "b": 737.7760562289562, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 17 + ] + } + ], + "orig": "E. Policy Renewal", + "text": "E. Policy Renewal", + "level": 1 + }, + { + "self_ref": "#/texts/395", + "parent": { + "$ref": "#/groups/42" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 20, + "bbox": { + "l": 328.5, + "t": 729.1571, + "r": 569.9875500000009, + "b": 707.4207323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 76 + ] + } + ], + "orig": "1. This policy will expire at 12:01 a.m. on the last day of the policy term.", + "text": "This policy will expire at 12:01 a.m. on the last day of the policy term.", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/396", + "parent": { + "$ref": "#/groups/42" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 20, + "bbox": { + "l": 328.5, + "t": 698.6571, + "r": 569.9538900000003, + "b": 663.9207323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 104 + ] + } + ], + "orig": "2. We must receive the payment of the appropriate renewal premium within 30 days of the expiration date.", + "text": "We must receive the payment of the appropriate renewal premium within 30 days of the expiration date.", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/397", + "parent": { + "$ref": "#/groups/42" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 20, + "bbox": { + "l": 328.5, + "t": 655.1571, + "r": 569.9835900000008, + "b": 568.4207323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 332 + ] + } + ], + "orig": "3. If we find, however, that we did not place your renewal notice into the U.S. Postal Service, or if we did mail it, we made a mistake, e.g., we used an incorrect, incomplete, or illegible address, which delayed its delivery to you before the due date for the renewal premium, then we will follow these procedures:", + "text": "If we find, however, that we did not place your renewal notice into the U.S. Postal Service, or if we did mail it, we made a mistake, e.g., we used an incorrect, incomplete, or illegible address, which delayed its delivery to you before the due date for the renewal premium, then we will follow these procedures:", + "enumerated": true, + "marker": "3." + }, + { + "self_ref": "#/texts/398", + "parent": { + "$ref": "#/groups/42" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 20, + "bbox": { + "l": 346.5, + "t": 559.6571, + "r": 570.0051900000002, + "b": 446.92073238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 413 + ] + } + ], + "orig": "a. If you or your agent notified us, not later than one year after the date on which the payment of the renewal premium was due, of non-receipt of a renewal notice before the due date for the renewal premium, and we determine that the circumstances in the preceding paragraph apply, we will mail a second bill providing a revised due date, which will be 30 days after the date on which the bill is mailed.", + "text": "If you or your agent notified us, not later than one year after the date on which the payment of the renewal premium was due, of non-receipt of a renewal notice before the due date for the renewal premium, and we determine that the circumstances in the preceding paragraph apply, we will mail a second bill providing a revised due date, which will be 30 days after the date on which the bill is mailed.", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/399", + "parent": { + "$ref": "#/groups/42" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 20, + "bbox": { + "l": 346.5, + "t": 439.0571, + "r": 569.9913300000002, + "b": 378.3207323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 237 + ] + } + ], + "orig": "b. If we do not receive the premium requested in the second bill by the revised due date, then we will not renew the policy. In that case, the policy will remain an expired policy as of the expiration date shown on the Declarations Page.", + "text": "If we do not receive the premium requested in the second bill by the revised due date, then we will not renew the policy. In that case, the policy will remain an expired policy as of the expiration date shown on the Declarations Page.", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/400", + "parent": { + "$ref": "#/groups/42" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 20, + "bbox": { + "l": 328.5, + "t": 370.4571, + "r": 570.0014100000011, + "b": 309.72073238512036, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 255 + ] + } + ], + "orig": "4. In connection with the renewal of this policy, we may ask you during the policy term to recertify, on a Recertification Questionnaire we will provide to you, the rating information used to rate your most recent application for or renewal of insurance.", + "text": "In connection with the renewal of this policy, we may ask you during the policy term to recertify, on a Recertification Questionnaire we will provide to you, the rating information used to rate your most recent application for or renewal of insurance.", + "enumerated": true, + "marker": "4." + }, + { + "self_ref": "#/texts/401", + "parent": { + "$ref": "#/groups/42" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 20, + "bbox": { + "l": 315.0, + "t": 292.3001, + "r": 537.4736775000001, + "b": 283.07605622895625, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 50 + ] + } + ], + "orig": "F. Conditions Suspending or Restricting Insurance", + "text": " Conditions Suspending or Restricting Insurance", + "enumerated": true, + "marker": "F." + }, + { + "self_ref": "#/texts/402", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 20, + "bbox": { + "l": 315.0, + "t": 272.9451, + "r": 571.4999999999994, + "b": 197.15946080178173, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 127 + ] + } + ], + "orig": "We are not liable for loss that occurs while there is a hazard that is increased by any means within your control or knowledge.", + "text": "We are not liable for loss that occurs while there is a hazard that is increased by any means within your control or knowledge." + }, + { + "self_ref": "#/texts/403", + "parent": { + "$ref": "#/groups/43" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 20, + "bbox": { + "l": 315.0, + "t": 182.20010000000002, + "r": 460.56938849999943, + "b": 172.97605622895617, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 31 + ] + } + ], + "orig": "G. Requirements in Case of Loss", + "text": "Requirements in Case of Loss", + "enumerated": true, + "marker": "G." + }, + { + "self_ref": "#/texts/404", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 20, + "bbox": { + "l": 315.0, + "t": 162.8451, + "r": 571.5359999999998, + "b": 127.05946080178171, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 61 + ] + } + ], + "orig": "In case of a flood loss to insured property, you must:", + "text": "In case of a flood loss to insured property, you must:" + }, + { + "self_ref": "#/texts/405", + "parent": { + "$ref": "#/groups/44" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 20, + "bbox": { + "l": 327.06, + "t": 119.24509999999998, + "r": 566.9999999999995, + "b": 103.45946080178169, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 36 + ] + } + ], + "orig": "1. Give prompt written notice to us.", + "text": "Give prompt written notice to us.", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/406", + "parent": { + "$ref": "#/groups/44" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 20, + "bbox": { + "l": 327.06, + "t": 92.76509999999996, + "r": 571.5215999999998, + "b": 56.979460801781784, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 59 + ] + } + ], + "orig": "2. As soon as reasonably possible, separate the damaged and", + "text": "As soon as reasonably possible, separate the damaged and", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/407", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 20, + "bbox": { + "l": 45.0, + "t": 36.13409999999999, + "r": 157.23630000000006, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/408", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 20, + "bbox": { + "l": 506.142, + "t": 36.13409999999999, + "r": 567.0009000000001, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "PAGE 18 OF 30", + "text": "PAGE 18 OF 30" + }, + { + "self_ref": "#/texts/409", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 21, + "bbox": { + "l": 76.5, + "t": 747.0002, + "r": 301.51259999999996, + "b": 691.2145608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 90 + ] + } + ], + "orig": "undamaged property, putting it in the best possible order so that we may examine it.", + "text": "undamaged property, putting it in the best possible order so that we may examine it." + }, + { + "self_ref": "#/texts/410", + "parent": { + "$ref": "#/groups/45" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 21, + "bbox": { + "l": 57.06, + "t": 680.5201999999999, + "r": 301.53959999999995, + "b": 584.7345608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 174 + ] + } + ], + "orig": "3. Prepare an inventory of damaged property showing the quantity, description, actual cash value, and amount of loss. Attach all bills, receipts, and related documents.", + "text": " Prepare an inventory of damaged property showing the quantity, description, actual cash value, and amount of loss. Attach all bills, receipts, and related documents.", + "enumerated": true, + "marker": "3." + }, + { + "self_ref": "#/texts/411", + "parent": { + "$ref": "#/groups/45" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 21, + "bbox": { + "l": 57.06, + "t": 574.0401999999999, + "r": 301.50720000000007, + "b": 438.25456080178174, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 226 + ] + } + ], + "orig": "4. Within 60 days after the loss, send us a proof of loss, which is your statement of the amount you are claiming under the policy signed and sworn to by you, and which furnishes us with the following information:", + "text": "Within 60 days after the loss, send us a proof of loss, which is your statement of the amount you are claiming under the policy signed and sworn to by you, and which furnishes us with the following information:", + "enumerated": true, + "marker": "4." + }, + { + "self_ref": "#/texts/412", + "parent": { + "$ref": "#/groups/45" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 21, + "bbox": { + "l": 76.5, + "t": 427.5602, + "r": 261.701496, + "b": 411.7745608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 29 + ] + } + ], + "orig": "a. The date and time of loss;", + "text": "The date and time of loss;", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/413", + "parent": { + "$ref": "#/groups/45" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 21, + "bbox": { + "l": 76.5, + "t": 403.9602, + "r": 290.93342399999995, + "b": 368.1745608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 48 + ] + } + ], + "orig": "b. A brief explanation of how the loss happened;", + "text": "A brief explanation of how the loss happened;", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/414", + "parent": { + "$ref": "#/groups/45" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 21, + "bbox": { + "l": 76.5, + "t": 360.3602, + "r": 279.69689999999997, + "b": 284.57456080178173, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 101 + ] + } + ], + "orig": "c. Your interest (for example, 'owner') and the interest, if any, of others in the damaged property;", + "text": " Your interest (for example, 'owner') and the interest, if any, of others in the damaged property;", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/415", + "parent": { + "$ref": "#/groups/45" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 21, + "bbox": { + "l": 76.5, + "t": 276.76019999999994, + "r": 290.64830399999994, + "b": 240.97456080178176, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 58 + ] + } + ], + "orig": "d. Details of any other insurance that may cover the loss;", + "text": "Details of any other insurance that may cover the loss;", + "enumerated": true, + "marker": "d." + }, + { + "self_ref": "#/texts/416", + "parent": { + "$ref": "#/groups/45" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 21, + "bbox": { + "l": 76.5, + "t": 233.16020000000003, + "r": 290.5146539999998, + "b": 177.37456080178174, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 87 + ] + } + ], + "orig": "e. Changes in title or occupancy of the insured property during the term of the policy;", + "text": "Changes in title or occupancy of the insured property during the term of the policy;", + "enumerated": true, + "marker": "e." + }, + { + "self_ref": "#/texts/417", + "parent": { + "$ref": "#/groups/45" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 21, + "bbox": { + "l": 76.5, + "t": 169.5602, + "r": 275.03263799999996, + "b": 113.77456080178172, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 70 + ] + } + ], + "orig": "f. Specifications of damaged buildings and detailed repair estimates;", + "text": " Specifications of damaged buildings and detailed repair estimates;", + "enumerated": true, + "marker": "f." + }, + { + "self_ref": "#/texts/418", + "parent": { + "$ref": "#/groups/45" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 21, + "bbox": { + "l": 76.5, + "t": 105.96019999999999, + "r": 264.180258, + "b": 70.1745608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 52 + ] + } + ], + "orig": "g. Names of mortgagees or anyone else having a lien,", + "text": "Names of mortgagees or anyone else having a lien,", + "enumerated": true, + "marker": "g." + }, + { + "self_ref": "#/texts/419", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 21, + "bbox": { + "l": 364.5, + "t": 747.0002, + "r": 548.1653939999998, + "b": 711.2145608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 46 + ] + } + ], + "orig": "charge, or claim against the insured property;", + "text": "charge, or claim against the insured property;" + }, + { + "self_ref": "#/texts/420", + "parent": { + "$ref": "#/groups/46" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 21, + "bbox": { + "l": 346.5, + "t": 703.4001999999999, + "r": 552.372696, + "b": 627.5797590551181, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 96 + ] + } + ], + "orig": "h. Details about who occupied any insured building at the time of loss and for what purpose; and", + "text": "Details about who occupied any insured building at the time of loss and for what purpose; and", + "enumerated": true, + "marker": "h." + }, + { + "self_ref": "#/texts/421", + "parent": { + "$ref": "#/groups/46" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 21, + "bbox": { + "l": 346.5, + "t": 619.8001999999999, + "r": 566.4469320000009, + "b": 564.0145608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 70 + ] + } + ], + "orig": "i. The inventory of damaged personal property described in G.3 above.", + "text": " The inventory of damaged personal property described in G.3 above.", + "enumerated": true, + "marker": "i." + }, + { + "self_ref": "#/texts/422", + "parent": { + "$ref": "#/groups/46" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 21, + "bbox": { + "l": 327.06, + "t": 556.2002, + "r": 571.5035999999996, + "b": 480.4145608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 125 + ] + } + ], + "orig": "5. In completing the proof of loss, you must use your own judgment concerning the amount of loss and justify that amount.", + "text": "In completing the proof of loss, you must use your own judgment concerning the amount of loss and justify that amount.", + "enumerated": true, + "marker": "5." + }, + { + "self_ref": "#/texts/423", + "parent": { + "$ref": "#/groups/46" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 21, + "bbox": { + "l": 327.06, + "t": 469.72020000000003, + "r": 571.5053999999997, + "b": 413.93456080178174, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 96 + ] + } + ], + "orig": "6. You must cooperate with the adjuster or representative in the investigation of the claim.", + "text": "You must cooperate with the adjuster or representative in the investigation of the claim.", + "enumerated": true, + "marker": "6." + }, + { + "self_ref": "#/texts/424", + "parent": { + "$ref": "#/groups/46" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 21, + "bbox": { + "l": 328.5, + "t": 404.7522, + "r": 569.9934900000009, + "b": 318.01583238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 354 + ] + } + ], + "orig": "7. The insurance adjuster whom we hire to investigate your claim may furnish you with a proof of loss form, and she or he may help you complete it. However, this is a matter of courtesy only, and you must still send us a proof of loss within 60 days after the loss even if the adjuster does not furnish the form or help you complete it.", + "text": "The insurance adjuster whom we hire to investigate your claim may furnish you with a proof of loss form, and she or he may help you complete it. However, this is a matter of courtesy only, and you must still send us a proof of loss within 60 days after the loss even if the adjuster does not furnish the form or help you complete it.", + "enumerated": true, + "marker": "7." + }, + { + "self_ref": "#/texts/425", + "parent": { + "$ref": "#/groups/46" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 21, + "bbox": { + "l": 328.5, + "t": 309.2522, + "r": 569.9657700000006, + "b": 274.51583238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 127 + ] + } + ], + "orig": "8. We have not authorized the adjuster to approve or disapprove claims or to tell you whether we will approve your claim.", + "text": "We have not authorized the adjuster to approve or disapprove claims or to tell you whether we will approve your claim.", + "enumerated": true, + "marker": "8." + }, + { + "self_ref": "#/texts/426", + "parent": { + "$ref": "#/groups/46" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 21, + "bbox": { + "l": 328.5, + "t": 265.7522, + "r": 569.9875500000004, + "b": 192.01583238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 306 + ] + } + ], + "orig": "9. At our option, we may accept the adjuster's report of the loss instead of your proof of loss. The adjuster's report will include information about your loss and the damages you sustained. You must sign the adjuster's report. At our option, we may require you to swear to the report.", + "text": "At our option, we may accept the adjuster's report of the loss instead of your proof of loss. The adjuster's report will include information about your loss and the damages you sustained. You must sign the adjuster's report. At our option, we may require you to swear to the report.", + "enumerated": true, + "marker": "9." + }, + { + "self_ref": "#/texts/427", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 21, + "bbox": { + "l": 315.0, + "t": 174.59519999999998, + "r": 436.13282249999946, + "b": 165.37115622895624, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 27 + ] + } + ], + "orig": "H. Our Options After a Loss", + "text": "H. Our Options After a Loss" + }, + { + "self_ref": "#/texts/428", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 21, + "bbox": { + "l": 315.0, + "t": 155.24019999999996, + "r": 571.4874000000001, + "b": 119.45456080178178, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 82 + ] + } + ], + "orig": "Options we may, in our sole discretion, exercise after loss include the following:", + "text": "Options we may, in our sole discretion, exercise after loss include the following:" + }, + { + "self_ref": "#/texts/429", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 21, + "bbox": { + "l": 44.91, + "t": 36.13409999999999, + "r": 157.14630000000005, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/430", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 21, + "bbox": { + "l": 506.34000000000003, + "t": 36.13409999999999, + "r": 567.0909000000001, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "PAGE 19 OF 30", + "text": "PAGE 19 OF 30" + }, + { + "self_ref": "#/texts/431", + "parent": { + "$ref": "#/groups/47" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 22, + "bbox": { + "l": 57.06, + "t": 747.0002, + "r": 301.5162, + "b": 691.2145608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 79 + ] + } + ], + "orig": "1. At such reasonable times and places that we may designate, you must:", + "text": "At such reasonable times and places that we may designate, you must:", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/432", + "parent": { + "$ref": "#/groups/47" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 22, + "bbox": { + "l": 76.5, + "t": 680.5201999999999, + "r": 290.712456, + "b": 644.7345608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 54 + ] + } + ], + "orig": "a. Show us or our representative the damaged property;", + "text": "Show us or our representative the damaged property;", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/433", + "parent": { + "$ref": "#/groups/47" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 22, + "bbox": { + "l": 76.5, + "t": 636.9201999999999, + "r": 301.45613399999996, + "b": 561.099759055118, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 108 + ] + } + ], + "orig": "b. Submit to examination under oath, while not in the presence of another insured, and sign the same; and", + "text": "Submit to examination under oath, while not in the presence of another insured, and sign the same; and", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/434", + "parent": { + "$ref": "#/groups/47" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 22, + "bbox": { + "l": 76.5, + "t": 553.3202, + "r": 281.0165939999998, + "b": 517.5345608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 57 + ] + } + ], + "orig": "c. Permit us to examine and make extracts and copies of:", + "text": " Permit us to examine and make extracts and copies of:", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/435", + "parent": { + "$ref": "#/groups/47" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 22, + "bbox": { + "l": 90.9, + "t": 509.72020000000003, + "r": 293.1600599999999, + "b": 413.93456080178174, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 135 + ] + } + ], + "orig": "(1) Any policies of property insurance insuring you against loss and the deed establishing your ownership of the insured real property;", + "text": "Any policies of property insurance insuring you against loss and the deed establishing your ownership of the insured real property;", + "enumerated": true, + "marker": "(1)" + }, + { + "self_ref": "#/texts/436", + "parent": { + "$ref": "#/groups/47" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 22, + "bbox": { + "l": 90.9, + "t": 405.22020000000003, + "r": 300.35894399999995, + "b": 209.39975905511812, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 245 + ] + } + ], + "orig": "(2) Condominium association documents including the Declarations of the condominium, its Articles of Association or Incorporation, Bylaws, rules and regulations, and other relevant documents if you are a unit owner in a condominium building; and", + "text": "Condominium association documents including the Declarations of the condominium, its Articles of Association or Incorporation, Bylaws, rules and regulations, and other relevant documents if you are a unit owner in a condominium building; and", + "enumerated": true, + "marker": "(2)" + }, + { + "self_ref": "#/texts/437", + "parent": { + "$ref": "#/groups/47" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 22, + "bbox": { + "l": 90.9, + "t": 200.72019999999998, + "r": 300.932244, + "b": 104.9345608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 144 + ] + } + ], + "orig": "(3) All books of accounts, bills, invoices and other vouchers, or certified copies pertaining to the damaged property if the originals are lost.", + "text": "All books of accounts, bills, invoices and other vouchers, or certified copies pertaining to the damaged property if the originals are lost.", + "enumerated": true, + "marker": "(3)" + }, + { + "self_ref": "#/texts/438", + "parent": { + "$ref": "#/groups/47" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 22, + "bbox": { + "l": 57.06, + "t": 96.22019999999998, + "r": 301.52880000000005, + "b": 60.434560801781686, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 71 + ] + } + ], + "orig": "2. We may request, in writing, that you furnish us with a complete", + "text": "We may request, in writing, that you furnish us with a complete", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/439", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 22, + "bbox": { + "l": 346.5, + "t": 747.0002, + "r": 571.5269999999997, + "b": 711.2145608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 64 + ] + } + ], + "orig": "inventory of the lost, damaged or destroyed property, including:", + "text": "inventory of the lost, damaged or destroyed property, including:" + }, + { + "self_ref": "#/texts/440", + "parent": { + "$ref": "#/groups/48" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 22, + "bbox": { + "l": 346.5, + "t": 700.5201999999999, + "r": 501.1170300000002, + "b": 684.7345608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 24 + ] + } + ], + "orig": "a. Quantities and costs;", + "text": "Quantities and costs;", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/441", + "parent": { + "$ref": "#/groups/48" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 22, + "bbox": { + "l": 346.5, + "t": 676.9201999999999, + "r": 562.2752699999996, + "b": 621.1345608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 69 + ] + } + ], + "orig": "b. Actual cash values or replacement cost (whichever is appropriate);", + "text": "Actual cash values or replacement cost (whichever is appropriate);", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/442", + "parent": { + "$ref": "#/groups/48" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 22, + "bbox": { + "l": 346.5, + "t": 613.3202, + "r": 526.7707019999997, + "b": 597.5345608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 28 + ] + } + ], + "orig": "c. Amounts of loss claimed;", + "text": " Amounts of loss claimed;", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/443", + "parent": { + "$ref": "#/groups/48" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 22, + "bbox": { + "l": 346.5, + "t": 589.7202, + "r": 566.705322, + "b": 493.8997590551181, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 124 + ] + } + ], + "orig": "d. Any written plans and specifications for repair of the damaged property that you can reasonably make available to us; and", + "text": "Any written plans and specifications for repair of the damaged property that you can reasonably make available to us; and", + "enumerated": true, + "marker": "d." + }, + { + "self_ref": "#/texts/444", + "parent": { + "$ref": "#/groups/48" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 22, + "bbox": { + "l": 346.5, + "t": 486.1202, + "r": 540.8859239999996, + "b": 450.3345608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 54 + ] + } + ], + "orig": "e. Evidence that prior flood damage has been repaired.", + "text": "Evidence that prior flood damage has been repaired.", + "enumerated": true, + "marker": "e." + }, + { + "self_ref": "#/texts/445", + "parent": { + "$ref": "#/groups/48" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 22, + "bbox": { + "l": 327.06, + "t": 442.5202, + "r": 571.5359999999994, + "b": 366.7345608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 111 + ] + } + ], + "orig": "3. If we give you written notice within 30 days after we receive your signed, sworn proof of loss, we may:", + "text": "If we give you written notice within 30 days after we receive your signed, sworn proof of loss, we may:", + "enumerated": true, + "marker": "3." + }, + { + "self_ref": "#/texts/446", + "parent": { + "$ref": "#/groups/48" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 22, + "bbox": { + "l": 346.5, + "t": 356.0402, + "r": 571.4721720000005, + "b": 240.21975905511817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 174 + ] + } + ], + "orig": "a. Repair, rebuild, or replace any part of the lost, damaged, or destroyed property with material or property of like kind and quality or its functional equivalent; and", + "text": "Repair, rebuild, or replace any part of the lost, damaged, or destroyed property with material or property of like kind and quality or its functional equivalent; and", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/447", + "parent": { + "$ref": "#/groups/48" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 22, + "bbox": { + "l": 346.5, + "t": 232.4402, + "r": 571.4775180000003, + "b": 156.6545608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 106 + ] + } + ], + "orig": "b. Take all or any part of the damaged property at the value that we agree upon or its appraised value.", + "text": "Take all or any part of the damaged property at the value that we agree upon or its appraised value.", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/448", + "parent": { + "$ref": "#/groups/48" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 22, + "bbox": { + "l": 315.0, + "t": 141.6952, + "r": 416.4873120000003, + "b": 132.47115622895626, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 24 + ] + } + ], + "orig": "I. No Benefit to Bailee", + "text": " No Benefit to Bailee", + "enumerated": true, + "marker": "I." + }, + { + "self_ref": "#/texts/449", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 22, + "bbox": { + "l": 315.0, + "t": 122.34019999999998, + "r": 571.5377999999998, + "b": 66.55456080178169, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 111 + ] + } + ], + "orig": "No person or organization, other than you, having custody of insured property will benefit from this insurance.", + "text": "No person or organization, other than you, having custody of insured property will benefit from this insurance." + }, + { + "self_ref": "#/texts/450", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 22, + "bbox": { + "l": 45.0, + "t": 36.13409999999999, + "r": 157.23630000000006, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/451", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 22, + "bbox": { + "l": 506.295, + "t": 36.13409999999999, + "r": 566.9991000000002, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "PAGE 20 OF 30", + "text": "PAGE 20 OF 30" + }, + { + "self_ref": "#/texts/452", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 45.0, + "t": 747.0001, + "r": 119.72135099999997, + "b": 737.7760562289562, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 16 + ] + } + ], + "orig": "J. Loss Payment", + "text": "J. Loss Payment", + "level": 1 + }, + { + "self_ref": "#/texts/453", + "parent": { + "$ref": "#/groups/49" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 58.5, + "t": 729.1571, + "r": 299.99646, + "b": 642.4207323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 362 + ] + } + ], + "orig": "1. We will adjust all losses with you. We will pay you unless some other person or entity is named in the policy or is legally entitled to receive payment. Loss will be payable 60 days after we receive your proof of loss (or within 90 days after the insurance adjuster files the adjuster's report signed and sworn to by you in lieu of a proof of loss) and:", + "text": "We will adjust all losses with you. We will pay you unless some other person or entity is named in the policy or is legally entitled to receive payment. Loss will be payable 60 days after we receive your proof of loss (or within 90 days after the insurance adjuster files the adjuster's report signed and sworn to by you in lieu of a proof of loss) and:", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/454", + "parent": { + "$ref": "#/groups/49" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 76.5, + "t": 634.5571, + "r": 238.19553000000013, + "b": 625.8207323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 34 + ] + } + ], + "orig": "a. We reach an agreement with you;", + "text": "We reach an agreement with you;", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/455", + "parent": { + "$ref": "#/groups/49" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 76.5, + "t": 617.9571, + "r": 264.7245600000002, + "b": 609.1614340857788, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 44 + ] + } + ], + "orig": "b. There is an entry of a final judgment; or", + "text": "There is an entry of a final judgment; or", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/456", + "parent": { + "$ref": "#/groups/49" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 76.5, + "t": 601.3571000000001, + "r": 299.98341000000005, + "b": 579.6207323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 73 + ] + } + ], + "orig": "c. There is a filing of an appraisal award with us, as provided in VII.M.", + "text": "There is a filing of an appraisal award with us, as provided in VII.M.", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/457", + "parent": { + "$ref": "#/groups/49" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 58.5, + "t": 570.8571000000001, + "r": 299.9806199999998, + "b": 549.1207323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 63 + ] + } + ], + "orig": "2. If we reject your proof of loss in whole or in part you may:", + "text": "If we reject your proof of loss in whole or in part you may:", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/458", + "parent": { + "$ref": "#/groups/49" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 76.5, + "t": 540.3571000000001, + "r": 229.3746300000001, + "b": 531.6207323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 35 + ] + } + ], + "orig": "a. Accept our denial of your claim;", + "text": "Accept our denial of your claim;", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/459", + "parent": { + "$ref": "#/groups/49" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 76.5, + "t": 523.7571, + "r": 266.2778700000002, + "b": 514.9614340857788, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 45 + ] + } + ], + "orig": "b. Exercise your rights under this policy; or", + "text": "Exercise your rights under this policy; or", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/460", + "parent": { + "$ref": "#/groups/49" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 76.5, + "t": 507.1571, + "r": 299.9368800000002, + "b": 485.42073238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 95 + ] + } + ], + "orig": "c. File an amended proof of loss as long as it is filed within 60 days of the date of the loss.", + "text": "File an amended proof of loss as long as it is filed within 60 days of the date of the loss.", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/461", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 45.0, + "t": 472.5001, + "r": 120.02372100000002, + "b": 463.27605622895624, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 14 + ] + } + ], + "orig": "K. Abandonment", + "text": "K. Abandonment", + "level": 1 + }, + { + "self_ref": "#/texts/462", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 45.0, + "t": 454.6571, + "r": 299.95074000000005, + "b": 432.92073238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 90 + ] + } + ], + "orig": "You may not abandon to us damaged or undamaged property insured under this policy.", + "text": "You may not abandon to us damaged or undamaged property insured under this policy." + }, + { + "self_ref": "#/texts/463", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 45.0, + "t": 420.90009999999995, + "r": 92.115225, + "b": 411.6760562289562, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 10 + ] + } + ], + "orig": "L. Salvage", + "text": "L. Salvage", + "level": 1 + }, + { + "self_ref": "#/texts/464", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 45.0, + "t": 403.0571, + "r": 300.00915000000015, + "b": 355.3207323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 194 + ] + } + ], + "orig": "We may permit you to keep damaged property insured under this policy after a loss, and we will reduce the amount of the loss proceeds payable to you under the policy by the value of the salvage.", + "text": "We may permit you to keep damaged property insured under this policy after a loss, and we will reduce the amount of the loss proceeds payable to you under the policy by the value of the salvage." + }, + { + "self_ref": "#/texts/465", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 45.0, + "t": 343.3001, + "r": 99.90694349999998, + "b": 334.07605622895625, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 12 + ] + } + ], + "orig": "M. Appraisal", + "text": "M. Appraisal", + "level": 1 + }, + { + "self_ref": "#/texts/466", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 45.0, + "t": 325.4571, + "r": 300.01311000000015, + "b": 95.7207323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 1038 + ] + } + ], + "orig": "If you and we fail to agree on the actual cash value or, if applicable, replacement cost of your damaged property to settle upon the amount of loss, then either may demand an appraisal of the loss. In this event, you and we will each choose a competent and impartial appraiser within 20 days after receiving a written request from the other. The two appraisers will choose an umpire. If they cannot agree upon an umpire within 15 days, you or we may request that the choice be made by a judge of a court of record in the state where the insured property is located. The appraisers will separately state the actual cash value, the replacement cost, and the amount of loss to each item. If the appraisers submit a written report of an agreement to us, the amount agreed upon will be the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will set the amount of actual cash value and loss, or if it applies, the replacement cost and loss.", + "text": "If you and we fail to agree on the actual cash value or, if applicable, replacement cost of your damaged property to settle upon the amount of loss, then either may demand an appraisal of the loss. In this event, you and we will each choose a competent and impartial appraiser within 20 days after receiving a written request from the other. The two appraisers will choose an umpire. If they cannot agree upon an umpire within 15 days, you or we may request that the choice be made by a judge of a court of record in the state where the insured property is located. The appraisers will separately state the actual cash value, the replacement cost, and the amount of loss to each item. If the appraisers submit a written report of an agreement to us, the amount agreed upon will be the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will set the amount of actual cash value and loss, or if it applies, the replacement cost and loss." + }, + { + "self_ref": "#/texts/467", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 45.0, + "t": 83.35710000000006, + "r": 109.9341000000001, + "b": 74.62073238512039, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 16 + ] + } + ], + "orig": "Each party will:", + "text": "Each party will:", + "level": 1 + }, + { + "self_ref": "#/texts/468", + "parent": { + "$ref": "#/groups/50" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 58.5, + "t": 66.75710000000004, + "r": 192.7646099999999, + "b": 57.96143408577882, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 29 + ] + } + ], + "orig": "1. Pay its own appraiser; and", + "text": "Pay its own appraiser; and", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/469", + "parent": { + "$ref": "#/groups/50" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 328.5, + "t": 747.0001, + "r": 569.9796300000006, + "b": 725.2637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 70 + ] + } + ], + "orig": "2. Bear the other expenses of the appraisal and umpire equally.", + "text": "Bear the other expenses of the appraisal and umpire equally.", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/470", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 315.0, + "t": 712.3430999999999, + "r": 402.4718579999999, + "b": 703.1190562289562, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 18 + ] + } + ], + "orig": "N. Mortgage Clause", + "text": "N. Mortgage Clause", + "level": 1 + }, + { + "self_ref": "#/texts/471", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 327.06, + "t": 692.9880999999999, + "r": 559.7964, + "b": 657.2044608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 41 + ] + } + ], + "orig": "1. The word 'mortgagee' includes trustee.", + "text": "1. The word 'mortgagee' includes trustee.", + "level": 1 + }, + { + "self_ref": "#/texts/472", + "parent": { + "$ref": "#/groups/51" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 327.06, + "t": 646.5081, + "r": 571.5233999999999, + "b": 410.74446080178154, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 385 + ] + } + ], + "orig": "2. Any loss payable under Coverage A-Building Property will be paid to any mortgagee of whom we have actual notice, as well as any other mortgagee or loss payee determined to exist at the time of loss, and you, as interests appear. If more than one mortgagee is named, the order of payment will be the same as the order of precedence of the mortgages.", + "text": "Any loss payable under Coverage A-Building Property will be paid to any mortgagee of whom we have actual notice, as well as any other mortgagee or loss payee determined to exist at the time of loss, and you, as interests appear. If more than one mortgagee is named, the order of payment will be the same as the order of precedence of the mortgages.", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/473", + "parent": { + "$ref": "#/groups/51" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 327.06, + "t": 400.0281, + "r": 571.5539999999995, + "b": 344.2464608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 105 + ] + } + ], + "orig": "3. If we deny your claim, that denial will not apply to a valid claim of the mortgagee, if the mortgagee:", + "text": "If we deny your claim, that denial will not apply to a valid claim of the mortgagee, if the mortgagee:", + "enumerated": true, + "marker": "3." + }, + { + "self_ref": "#/texts/474", + "parent": { + "$ref": "#/groups/51" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 346.5, + "t": 333.54810000000003, + "r": 571.4525700000002, + "b": 257.76846080178177, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 130 + ] + } + ], + "orig": "a. Notifies us of any change in the ownership or occupancy, or substantial change in risk of which the mortgagee is aware;", + "text": "Notifies us of any change in the ownership or occupancy, or substantial change in risk of which the mortgagee is aware;", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/475", + "parent": { + "$ref": "#/groups/51" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 346.5, + "t": 249.94810000000007, + "r": 571.4561340000001, + "b": 174.1336590551182, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 106 + ] + } + ], + "orig": "b. Pays any premium due under this policy on demand if you have neglected to pay the premium; and", + "text": "Pays any premium due under this policy on demand if you have neglected to pay the premium; and", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/476", + "parent": { + "$ref": "#/groups/51" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 346.5, + "t": 166.34810000000004, + "r": 571.4775180000001, + "b": 90.56846080178173, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 118 + ] + } + ], + "orig": "c. Submits a signed, sworn proof of loss within 60 days after receiving notice from us of your failure to do so.", + "text": " Submits a signed, sworn proof of loss within 60 days after receiving notice from us of your failure to do so.", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/477", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 44.91, + "t": 36.13409999999999, + "r": 157.14630000000002, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/478", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 23, + "bbox": { + "l": 506.484, + "t": 36.13409999999999, + "r": 567.0846000000001, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "PAGE 21 OF 30", + "text": "PAGE 21 OF 30" + }, + { + "self_ref": "#/texts/479", + "parent": { + "$ref": "#/groups/52" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 24, + "bbox": { + "l": 57.06, + "t": 747.0002, + "r": 301.4586000000001, + "b": 711.2165608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 64 + ] + } + ], + "orig": "4. All of the terms of this policy apply to the mortgagee.", + "text": "All of the terms of this policy apply to the mortgagee.", + "enumerated": true, + "marker": "4." + }, + { + "self_ref": "#/texts/480", + "parent": { + "$ref": "#/groups/52" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 24, + "bbox": { + "l": 57.06, + "t": 700.5201999999999, + "r": 301.51259999999996, + "b": 604.7425608017816, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 146 + ] + } + ], + "orig": "5. The mortgagee has the right to receive loss payment even if the mortgagee has started foreclosure or similar action on the building.", + "text": "The mortgagee has the right to receive loss payment even if the mortgagee has started foreclosure or similar action on the building.", + "enumerated": true, + "marker": "5." + }, + { + "self_ref": "#/texts/481", + "parent": { + "$ref": "#/groups/52" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 24, + "bbox": { + "l": 57.06, + "t": 594.0401999999999, + "r": 301.52880000000005, + "b": 478.26456080178156, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 210 + ] + } + ], + "orig": "6. If we decide to cancel or not renew this policy, it will continue in effect for the benefit of the mortgagee only for 30 days after we notify the mortgagee of the cancellation or non-renewal.", + "text": "If we decide to cancel or not renew this policy, it will continue in effect for the benefit of the mortgagee only for 30 days after we notify the mortgagee of the cancellation or non-renewal.", + "enumerated": true, + "marker": "6." + }, + { + "self_ref": "#/texts/482", + "parent": { + "$ref": "#/groups/52" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 24, + "bbox": { + "l": 57.06, + "t": 467.5602, + "r": 301.5360000000002, + "b": 291.7905608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 283 + ] + } + ], + "orig": "7. If we pay the mortgagee for any loss and deny payment to you, we are subrogated to all the rights of the mortgagee granted under the mortgage on the property. Subrogation will not impair the right of the mortgagee to recover the full amount of the mortgagee's claim.", + "text": " If we pay the mortgagee for any loss and deny payment to you, we are subrogated to all the rights of the mortgagee granted under the mortgage on the property. Subrogation will not impair the right of the mortgagee to recover the full amount of the mortgagee's claim.", + "enumerated": true, + "marker": "7." + }, + { + "self_ref": "#/texts/483", + "parent": { + "$ref": "#/groups/52" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 24, + "bbox": { + "l": 45.0, + "t": 278.4351999999999, + "r": 124.9499115, + "b": 269.21115622895627, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 18 + ] + } + ], + "orig": "O. Suit Against Us", + "text": "Suit Against Us", + "enumerated": true, + "marker": "O." + }, + { + "self_ref": "#/texts/484", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 24, + "bbox": { + "l": 45.0, + "t": 259.0802, + "r": 301.5521999999998, + "b": 63.31256080178173, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 406 + ] + }, + { + "page_no": 24, + "bbox": { + "l": 315.0, + "t": 747.0242, + "r": 571.5449999999998, + "b": 651.2465608017816, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 407, + 571 + ] + } + ], + "orig": "You may not sue us to recover money under this policy unless you have complied with all the requirements of the policy. If you do sue, you must start the suit within one year after the date of the written denial of all or part of the claim, and you must file the suit in the United States District Court of the district in which the insured property was located at the time of loss. This requirement applies to any claim that you may have under this policy and to any dispute that you may have arising out of the handling of any claim under the policy.", + "text": "You may not sue us to recover money under this policy unless you have complied with all the requirements of the policy. If you do sue, you must start the suit within one year after the date of the written denial of all or part of the claim, and you must file the suit in the United States District Court of the district in which the insured property was located at the time of loss. This requirement applies to any claim that you may have under this policy and to any dispute that you may have arising out of the handling of any claim under the policy." + }, + { + "self_ref": "#/texts/485", + "parent": { + "$ref": "#/groups/53" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 24, + "bbox": { + "l": 315.0, + "t": 640.7552, + "r": 380.90106899999984, + "b": 631.5311562289562, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 15 + ] + } + ], + "orig": "P. Subrogation", + "text": " Subrogation", + "enumerated": true, + "marker": "P." + }, + { + "self_ref": "#/texts/486", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 24, + "bbox": { + "l": 315.0, + "t": 622.9122, + "r": 569.9863800000005, + "b": 549.1758323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 354 + ] + } + ], + "orig": "Whenever we make a payment for a loss under this policy, we are subrogated to your right to recover for that loss from any other person. That means that your right to recover for a loss that was partly or totally caused by someone else is automatically transferred to us, to the extent that we have paid you for the loss. We may require", + "text": "Whenever we make a payment for a loss under this policy, we are subrogated to your right to recover for that loss from any other person. That means that your right to recover for a loss that was partly or totally caused by someone else is automatically transferred to us, to the extent that we have paid you for the loss. We may require" + }, + { + "self_ref": "#/texts/487", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 24, + "bbox": { + "l": 314.9935, + "t": 543.4001999999999, + "r": 571.5403000000002, + "b": 387.62856080178176, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 326 + ] + } + ], + "orig": "you to acknowledge this transfer in writing. After the loss, you may not give up our right to recover this money or do anything that would prevent us from recovering it. If you make any claim against any person who caused your loss and recover any money, you must pay us back first before you may keep any of that money.", + "text": "you to acknowledge this transfer in writing. After the loss, you may not give up our right to recover this money or do anything that would prevent us from recovering it. If you make any claim against any person who caused your loss and recover any money, you must pay us back first before you may keep any of that money." + }, + { + "self_ref": "#/texts/488", + "parent": { + "$ref": "#/groups/54" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 24, + "bbox": { + "l": 315.0, + "t": 377.1552, + "r": 442.1348955000001, + "b": 367.93115622895624, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 27 + ] + } + ], + "orig": "Q. Continuous Lake Flooding", + "text": "Continuous Lake Flooding", + "enumerated": true, + "marker": "Q." + }, + { + "self_ref": "#/texts/489", + "parent": { + "$ref": "#/groups/54" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 24, + "bbox": { + "l": 327.06, + "t": 357.8002, + "r": 571.5305999999996, + "b": 82.0405608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 468 + ] + } + ], + "orig": "1. If an insured building has been flooded by rising lake waters continuously for 90 days or more and it appears reasonably certain that a continuation of this flooding will result in an insured loss to the insured building equal to or greater than the building policy limits plus the deductible or the maximum payable under the policy for any one building loss, we will pay you the lesser of these two amounts without waiting for the further", + "text": "If an insured building has been flooded by rising lake waters continuously for 90 days or more and it appears reasonably certain that a continuation of this flooding will result in an insured loss to the insured building equal to or greater than the building policy limits plus the deductible or the maximum payable under the policy for any one building loss, we will pay you the lesser of these two amounts without waiting for the further", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/490", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 24, + "bbox": { + "l": 45.0, + "t": 36.13409999999999, + "r": 157.2363, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/491", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 24, + "bbox": { + "l": 506.277, + "t": 36.13409999999999, + "r": 567.0009000000001, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "PAGE 22 OF 30", + "text": "PAGE 22 OF 30" + }, + { + "self_ref": "#/texts/492", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 25, + "bbox": { + "l": 76.5, + "t": 747.0002, + "r": 301.46040000000016, + "b": 711.2165608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 53 + ] + } + ], + "orig": "damage to occur if you sign a release agreeing:", + "text": "damage to occur if you sign a release agreeing:" + }, + { + "self_ref": "#/texts/493", + "parent": { + "$ref": "#/groups/55" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 25, + "bbox": { + "l": 76.5, + "t": 700.5201999999999, + "r": 266.8211820000001, + "b": 664.7365608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 46 + ] + } + ], + "orig": "a. To make no further claim under this policy;", + "text": "To make no further claim under this policy;", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/494", + "parent": { + "$ref": "#/groups/55" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 25, + "bbox": { + "l": 76.5, + "t": 656.9201999999999, + "r": 255.80664000000002, + "b": 621.1365608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 38 + ] + } + ], + "orig": "b. Not to seek renewal of this policy;", + "text": "Not to seek renewal of this policy;", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/495", + "parent": { + "$ref": "#/groups/55" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 25, + "bbox": { + "l": 76.5, + "t": 613.3202, + "r": 271.0177920000001, + "b": 537.5405608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 94 + ] + } + ], + "orig": "c. Not to apply for any flood insurance under the Act for property at the described location;", + "text": " Not to apply for any flood insurance under the Act for property at the described location;", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/496", + "parent": { + "$ref": "#/groups/55" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 25, + "bbox": { + "l": 76.5, + "t": 529.7202, + "r": 291.8814479999999, + "b": 493.93656080178175, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 59 + ] + } + ], + "orig": "d. Not to seek a premium refund for current or prior terms.", + "text": "Not to seek a premium refund for current or prior terms.", + "enumerated": true, + "marker": "d." + }, + { + "self_ref": "#/texts/497", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 25, + "bbox": { + "l": 76.5018, + "t": 483.24420000000003, + "r": 301.48999199999986, + "b": 347.4705608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 238 + ] + } + ], + "orig": "If the policy term ends before the insured building has been flooded continuously for 90 days, the provisions of this paragraph Q.1 will apply when the insured building suffers a covered loss before the policy term ends.", + "text": "If the policy term ends before the insured building has been flooded continuously for 90 days, the provisions of this paragraph Q.1 will apply when the insured building suffers a covered loss before the policy term ends." + }, + { + "self_ref": "#/texts/498", + "parent": { + "$ref": "#/groups/56" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 25, + "bbox": { + "l": 57.06, + "t": 338.7402, + "r": 301.5378000000002, + "b": 62.98056080178185, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 468 + ] + } + ], + "orig": "2. If your insured building is subject to continuous lake flooding from a closed basin lake, you may elect to file a claim under either paragraph Q.1 above or Q.2 (A 'closed basin lake' is a natural lake from which water leaves primarily through evaporation and whose surface area now exceeds or has exceeded one square mile at any time in the recorded past. Most of the nation's closed basin lakes are in the western half of the United", + "text": "If your insured building is subject to continuous lake flooding from a closed basin lake, you may elect to file a claim under either paragraph Q.1 above or Q.2 (A 'closed basin lake' is a natural lake from which water leaves primarily through evaporation and whose surface area now exceeds or has exceeded one square mile at any time in the recorded past. Most of the nation's closed basin lakes are in the western half of the United", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/499", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 25, + "bbox": { + "l": 346.5, + "t": 747.0341999999999, + "r": 571.5359999999997, + "b": 471.2745608017812, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 445 + ] + } + ], + "orig": "States where annual evaporation exceeds annual precipitation and where lake levels and surface areas are subject to considerable fluctuation due to wide variations in the climate. These lakes may overtop their basins on rare occasions.) Under this paragraph Q.2, we will pay your claim as if the building is a total loss even though it has not been continuously inundated for 90 days, subject to the following conditions:", + "text": "States where annual evaporation exceeds annual precipitation and where lake levels and surface areas are subject to considerable fluctuation due to wide variations in the climate. These lakes may overtop their basins on rare occasions.) Under this paragraph Q.2, we will pay your claim as if the building is a total loss even though it has not been continuously inundated for 90 days, subject to the following conditions:" + }, + { + "self_ref": "#/texts/500", + "parent": { + "$ref": "#/groups/57" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 25, + "bbox": { + "l": 346.5, + "t": 460.5202, + "r": 570.6275039999997, + "b": 404.7385608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 79 + ] + } + ], + "orig": "a. Lake floodwaters must damage or imminently threaten to damage your building.", + "text": "Lake floodwaters must damage or imminently threaten to damage your building.", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/501", + "parent": { + "$ref": "#/groups/57" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 25, + "bbox": { + "l": 346.5, + "t": 396.9202, + "r": 561.3753600000003, + "b": 361.13656080178174, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 43 + ] + } + ], + "orig": "b. Before approval of your claim, you must:", + "text": "Before approval of your claim, you must:", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/502", + "parent": { + "$ref": "#/groups/57" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 25, + "bbox": { + "l": 360.9, + "t": 353.3202, + "r": 548.5585679999999, + "b": 277.5057590551181, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 98 + ] + } + ], + "orig": "(1) Agree to a claim payment that reflects your buying back the salvage on a negotiated basis; and", + "text": "Agree to a claim payment that reflects your buying back the salvage on a negotiated basis; and", + "enumerated": true, + "marker": "(1)" + }, + { + "self_ref": "#/texts/503", + "parent": { + "$ref": "#/groups/57" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 25, + "bbox": { + "l": 360.9, + "t": 268.8202, + "r": 565.4284200000003, + "b": 53.054560801781804, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 272 + ] + } + ], + "orig": "(2) Grant the conservation easement described in FEMA's 'Policy Guidance for Closed Basin Lakes' to be recorded in the office of the local recorder of deeds. FEMA, in consultation with the community in which the property is located, will identify on a map an area or areas", + "text": "Grant the conservation easement described in FEMA's 'Policy Guidance for Closed Basin Lakes' to be recorded in the office of the local recorder of deeds. FEMA, in consultation with the community in which the property is located, will identify on a map an area or areas", + "enumerated": true, + "marker": "(2)" + }, + { + "self_ref": "#/texts/504", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 25, + "bbox": { + "l": 44.91, + "t": 36.13409999999999, + "r": 157.14630000000002, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/505", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 25, + "bbox": { + "l": 506.43, + "t": 36.13409999999999, + "r": 567.0909, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "PAGE 23 OF 30", + "text": "PAGE 23 OF 30" + }, + { + "self_ref": "#/texts/506", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 26, + "bbox": { + "l": 112.5, + "t": 747.0002, + "r": 301.0994280000001, + "b": 51.282560801781415, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 937 + ] + } + ], + "orig": "of special consideration (ASC) in which there is a potential for flood damage from continuous lake flooding. FEMA will give the community the agreedupon map showing the ASC. This easement will only apply to that portion of the property in the ASC. It will allow certain agricultural and recreational uses of the land. The only structures it will allow on any portion of the property within the ASC are certain simple agricultural and recreational structures. If any of these allowable structures are insurable buildings under the NFIP and are insured under the NFIP, they will not be eligible for the benefits of this paragraph Q.2. If a U.S. Army Corps of Engineers certified flood control project or otherwise certified flood control project later protects the property, FEMA will, upon request, amend the ASC to remove areas protected by those projects. The restrictions of the easement will then no longer apply to any portion of the", + "text": "of special consideration (ASC) in which there is a potential for flood damage from continuous lake flooding. FEMA will give the community the agreedupon map showing the ASC. This easement will only apply to that portion of the property in the ASC. It will allow certain agricultural and recreational uses of the land. The only structures it will allow on any portion of the property within the ASC are certain simple agricultural and recreational structures. If any of these allowable structures are insurable buildings under the NFIP and are insured under the NFIP, they will not be eligible for the benefits of this paragraph Q.2. If a U.S. Army Corps of Engineers certified flood control project or otherwise certified flood control project later protects the property, FEMA will, upon request, amend the ASC to remove areas protected by those projects. The restrictions of the easement will then no longer apply to any portion of the" + }, + { + "self_ref": "#/texts/507", + "parent": { + "$ref": "#/groups/58" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 26, + "bbox": { + "l": 382.50144, + "t": 747.0721999999996, + "r": 555.4828979999999, + "b": 711.2537590551177, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 34 + ] + } + ], + "orig": "property removed from the ASC; and", + "text": "property removed from the ASC; and", + "enumerated": false, + "marker": "" + }, + { + "self_ref": "#/texts/508", + "parent": { + "$ref": "#/groups/58" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 26, + "bbox": { + "l": 360.9, + "t": 702.5002, + "r": 550.6642439999998, + "b": 666.7165608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 53 + ] + } + ], + "orig": "(3) Comply with paragraphs Q.1.a through Q.1.d above.", + "text": "Comply with paragraphs Q.1.a through Q.1.d above.", + "enumerated": true, + "marker": "(3)" + }, + { + "self_ref": "#/texts/509", + "parent": { + "$ref": "#/groups/58" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 26, + "bbox": { + "l": 346.5, + "t": 658.0002, + "r": 571.4668259999999, + "b": 502.22856080178144, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 230 + ] + } + ], + "orig": "c. Within 90 days of approval of your claim, you must move your building to a new location outside the ASC. FEMA will give you an additional 30 days to move if you show there is sufficient reason to extend the time.", + "text": " Within 90 days of approval of your claim, you must move your building to a new location outside the ASC. FEMA will give you an additional 30 days to move if you show there is sufficient reason to extend the time.", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/510", + "parent": { + "$ref": "#/groups/58" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 26, + "bbox": { + "l": 346.5, + "t": 494.40020000000004, + "r": 571.46148, + "b": 358.61656080178176, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 214 + ] + } + ], + "orig": "d. Before the final payment of your claim, you must acquire an elevation certificate and a floodplain development permit from the local floodplain administrator for the new location of your building.", + "text": "Before the final payment of your claim, you must acquire an elevation certificate and a floodplain development permit from the local floodplain administrator for the new location of your building.", + "enumerated": true, + "marker": "d." + }, + { + "self_ref": "#/texts/511", + "parent": { + "$ref": "#/groups/58" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 26, + "bbox": { + "l": 346.5, + "t": 350.8002, + "r": 571.4383139999999, + "b": 275.0205608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 103 + ] + } + ], + "orig": "e. Before the approval of your claim, the community having jurisdiction over your building must:", + "text": "Before the approval of your claim, the community having jurisdiction over your building must:", + "enumerated": true, + "marker": "e." + }, + { + "self_ref": "#/texts/512", + "parent": { + "$ref": "#/groups/58" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 26, + "bbox": { + "l": 360.9, + "t": 267.2002, + "r": 566.198406, + "b": 71.43256080178185, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 264 + ] + } + ], + "orig": "(1) Adopt a permanent land use ordinance, or a temporary moratorium for a period not to exceed 6 months to be followed immediately by a permanent land use ordinance that is consistent with the provisions specified in the easement required in paragraph Q.2.b above;", + "text": "Adopt a permanent land use ordinance, or a temporary moratorium for a period not to exceed 6 months to be followed immediately by a permanent land use ordinance that is consistent with the provisions specified in the easement required in paragraph Q.2.b above;", + "enumerated": true, + "marker": "(1)" + }, + { + "self_ref": "#/texts/513", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 26, + "bbox": { + "l": 45.0, + "t": 36.13409999999999, + "r": 157.2363, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/514", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 26, + "bbox": { + "l": 506.448, + "t": 36.13409999999999, + "r": 566.9973000000001, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "PAGE 24 OF 30", + "text": "PAGE 24 OF 30" + }, + { + "self_ref": "#/texts/515", + "parent": { + "$ref": "#/groups/59" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 27, + "bbox": { + "l": 90.9, + "t": 746.6401999999999, + "r": 299.7358020000001, + "b": 590.8197590551181, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 207 + ] + } + ], + "orig": "(2) Agree to declare and report any violations of this ordinance to FEMA so that under Section 1316 of the National Flood Insurance Act of 1968, as amended, flood insurance to the building can be denied; and", + "text": "Agree to declare and report any violations of this ordinance to FEMA so that under Section 1316 of the National Flood Insurance Act of 1968, as amended, flood insurance to the building can be denied; and", + "enumerated": true, + "marker": "(2)" + }, + { + "self_ref": "#/texts/516", + "parent": { + "$ref": "#/groups/59" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 27, + "bbox": { + "l": 90.9, + "t": 582.1401999999999, + "r": 300.6000720000002, + "b": 86.35456080178176, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 648 + ] + } + ], + "orig": "(3) Agree to maintain as deedrestricted, for purposes compatible with open space or agricultural or recreational use only, any affected property the community acquires an interest in. These deed restrictions must be consistent with the provisions of paragraph Q.2.b above, except that, even if a certified project protects the property, the land use restrictions continue to apply if the property was acquired under the Hazard Mitigation Grant Program or the Flood Mitigation Assistance Program. If a non-profit land trust organization receives the property as a donation, that organization must maintain the property as deed-restricted, consistent", + "text": "Agree to maintain as deedrestricted, for purposes compatible with open space or agricultural or recreational use only, any affected property the community acquires an interest in. These deed restrictions must be consistent with the provisions of paragraph Q.2.b above, except that, even if a certified project protects the property, the land use restrictions continue to apply if the property was acquired under the Hazard Mitigation Grant Program or the Flood Mitigation Assistance Program. If a non-profit land trust organization receives the property as a donation, that organization must maintain the property as deed-restricted, consistent", + "enumerated": true, + "marker": "(3)" + }, + { + "self_ref": "#/texts/517", + "parent": { + "$ref": "#/groups/59" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 27, + "bbox": { + "l": 382.5, + "t": 746.6401999999999, + "r": 527.054832, + "b": 710.8545608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 44 + ] + } + ], + "orig": "with the provisions of paragraph Q2.b above.", + "text": "with the provisions of paragraph Q2.b above.", + "enumerated": false, + "marker": "" + }, + { + "self_ref": "#/texts/518", + "parent": { + "$ref": "#/groups/59" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 27, + "bbox": { + "l": 346.5, + "t": 702.1401999999999, + "r": 571.4793000000003, + "b": 606.3545608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 142 + ] + } + ], + "orig": "f. Before the approval of your claim, the affected State must take all action set forth in FEMA's 'Policy Guidance for Closed Basin Lakes.'", + "text": " Before the approval of your claim, the affected State must take all action set forth in FEMA's 'Policy Guidance for Closed Basin Lakes.'", + "enumerated": true, + "marker": "f." + }, + { + "self_ref": "#/texts/519", + "parent": { + "$ref": "#/groups/59" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 27, + "bbox": { + "l": 346.5, + "t": 598.5401999999999, + "r": 571.4757360000003, + "b": 142.75456080178174, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 707 + ] + } + ], + "orig": "g. You must have NFIP flood insurance coverage con tinuously in effect from a date established by FEMA until you file a claim under paragraph Q.2. If a subsequent owner buys NFIP insurance that goes into effect within 60 days of the date of transfer of title, any gap in coverage during that 60-day period will not be a violation of this continuous coverage requirement. For the purpose of honoring a claim under this paragraph Q.2, we will not consider to be in effect any increased coverage that became effective after the date established by FEMA. The exception to this is any increased coverage in the amount suggested by your insurer as an inflation adjustment.", + "text": "You must have NFIP flood insurance coverage con tinuously in effect from a date established by FEMA until you file a claim under paragraph Q.2. If a subsequent owner buys NFIP insurance that goes into effect within 60 days of the date of transfer of title, any gap in coverage during that 60-day period will not be a violation of this continuous coverage requirement. For the purpose of honoring a claim under this paragraph Q.2, we will not consider to be in effect any increased coverage that became effective after the date established by FEMA. The exception to this is any increased coverage in the amount suggested by your insurer as an inflation adjustment.", + "enumerated": true, + "marker": "g." + }, + { + "self_ref": "#/texts/520", + "parent": { + "$ref": "#/groups/59" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 27, + "bbox": { + "l": 346.5, + "t": 134.9402, + "r": 571.4650439999997, + "b": 59.15456080178171, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 132 + ] + } + ], + "orig": "h. This paragraph Q.2 will be in effect for a community when the FEMA Regional Administrator for the affected region provides", + "text": "This paragraph Q.2 will be in effect for a community when the FEMA Regional Administrator for the affected region provides", + "enumerated": true, + "marker": "h." + }, + { + "self_ref": "#/texts/521", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 27, + "bbox": { + "l": 44.91, + "t": 36.13409999999999, + "r": 157.14630000000005, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/522", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 27, + "bbox": { + "l": 506.376, + "t": 36.13409999999999, + "r": 567.0873, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "PAGE 25 OF 30", + "text": "PAGE 25 OF 30" + }, + { + "self_ref": "#/texts/523", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 94.5, + "t": 747.0002, + "r": 301.4383139999998, + "b": 711.2165608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 48 + ] + } + ], + "orig": "to the community, in writing, the following:", + "text": "to the community, in writing, the following:", + "level": 1 + }, + { + "self_ref": "#/texts/524", + "parent": { + "$ref": "#/groups/60" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 88.2, + "t": 703.4001999999999, + "r": 284.56561800000014, + "b": 607.5877590551179, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 129 + ] + } + ], + "orig": "(1) Confirmation that the community and the State are in compliance with the conditions in paragraphs Q.2.e and Q.2.f above; and", + "text": " Confirmation that the community and the State are in compliance with the conditions in paragraphs Q.2.e and Q.2.f above; and", + "enumerated": true, + "marker": "(1)" + }, + { + "self_ref": "#/texts/525", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 88.2, + "t": 598.9001999999999, + "r": 296.321436, + "b": 543.1185608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 63 + ] + } + ], + "orig": "(2) The date by which you must have flood insurance in effect.", + "text": "(2) The date by which you must have flood insurance in effect.", + "level": 1 + }, + { + "self_ref": "#/texts/526", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 45.0, + "t": 531.7552, + "r": 129.71497949999997, + "b": 522.5311562289562, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 18 + ] + } + ], + "orig": "R. Loss Settlement", + "text": "R. Loss Settlement", + "level": 1 + }, + { + "self_ref": "#/texts/527", + "parent": { + "$ref": "#/groups/61" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 58.5, + "t": 513.9122, + "r": 128.59974000000003, + "b": 505.12739640852976, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 15 + ] + } + ], + "orig": "1. Introduction", + "text": "Introduction", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/528", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 76.5, + "t": 496.41220000000004, + "r": 299.9826000000003, + "b": 435.6758323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 219 + ] + } + ], + "orig": "This policy provides three methods of settling losses: Replacement Cost, Special Loss Settlement, and Actual Cash Value. Each method is used for a different type of property, as explained in paragraphs a-c below.", + "text": "This policy provides three methods of settling losses: Replacement Cost, Special Loss Settlement, and Actual Cash Value. Each method is used for a different type of property, as explained in paragraphs a-c below." + }, + { + "self_ref": "#/texts/529", + "parent": { + "$ref": "#/groups/62" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 76.5, + "t": 425.40020000000004, + "r": 301.53097800000006, + "b": 349.61856080178177, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 113 + ] + } + ], + "orig": "a. Replacement Cost Loss Set tlement , described in R.2 below, applies to a singlefamily dwelling provided:", + "text": "Replacement Cost Loss Set tlement , described in R.2 below, applies to a singlefamily dwelling provided:", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/530", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 88.2, + "t": 341.8002, + "r": 233.38162800000003, + "b": 305.9817590551181, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 40 + ] + } + ], + "orig": "(1) It is your principal residence; and", + "text": "(1) It is your principal residence; and", + "level": 1 + }, + { + "self_ref": "#/texts/531", + "parent": { + "$ref": "#/groups/63" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 88.2, + "t": 297.3002, + "r": 297.0338040000001, + "b": 121.5305608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 237 + ] + } + ], + "orig": "(2) At the time of loss, the amount of insurance in this policy that applies to the dwelling is 80 percent or more of its full replacement cost immediately before the loss, or is the maximum amount of insurance available under the NFIP.", + "text": " At the time of loss, the amount of insurance in this policy that applies to the dwelling is 80 percent or more of its full replacement cost immediately before the loss, or is the maximum amount of insurance available under the NFIP.", + "enumerated": true, + "marker": "(2)" + }, + { + "self_ref": "#/texts/532", + "parent": { + "$ref": "#/groups/63" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 76.5, + "t": 114.31219999999996, + "r": 299.9923200000002, + "b": 66.5758323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 160 + ] + } + ], + "orig": "b. Special Loss Settlement , described in R.3 below, applies to a single-family dwelling that is a manufactured or mobile home or a travel trailer.", + "text": "Special Loss Settlement , described in R.3 below, applies to a single-family dwelling that is a manufactured or mobile home or a travel trailer.", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/533", + "parent": { + "$ref": "#/groups/63" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 346.5, + "t": 747.0001, + "r": 569.9824200000004, + "b": 699.2637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 182 + ] + } + ], + "orig": "c. Actual Cash Value Loss Settlement applies to a single-family dwelling not subject to replacement cost or special loss settlement, and to the property listed in R.4 below.", + "text": "Actual Cash Value Loss Settlement applies to a single-family dwelling not subject to replacement cost or special loss settlement, and to the property listed in R.4 below.", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/534", + "parent": { + "$ref": "#/groups/63" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 328.5, + "t": 691.4001000000001, + "r": 499.75793999999934, + "b": 682.6152964085298, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 35 + ] + } + ], + "orig": "2. Replacement Cost Loss Settlement", + "text": "Replacement Cost Loss Settlement", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/535", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 346.5, + "t": 673.9001000000001, + "r": 569.9766600000006, + "b": 652.1637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 100 + ] + } + ], + "orig": "The following loss settlement conditions apply to a single-family dwelling described in R.1.a above:", + "text": "The following loss settlement conditions apply to a single-family dwelling described in R.1.a above:" + }, + { + "self_ref": "#/texts/536", + "parent": { + "$ref": "#/groups/64" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 346.5, + "t": 643.4001000000001, + "r": 569.9754899999997, + "b": 595.6637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 191 + ] + } + ], + "orig": "a. We will pay to repair or replace the damaged dwelling after application of the deductible and without deduction for depreciation, but not more than the least of the following amounts:", + "text": "We will pay to repair or replace the damaged dwelling after application of the deductible and without deduction for depreciation, but not more than the least of the following amounts:", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/537", + "parent": { + "$ref": "#/groups/64" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 364.5, + "t": 587.8001, + "r": 569.9881800000002, + "b": 566.0637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 74 + ] + } + ], + "orig": "(1) The building limit of liability shown on your Declarations Page;", + "text": "The building limit of liability shown on your Declarations Page;", + "enumerated": true, + "marker": "(1)" + }, + { + "self_ref": "#/texts/538", + "parent": { + "$ref": "#/groups/64" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 364.5, + "t": 557.3001, + "r": 569.9901600000002, + "b": 522.5044340857788, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 124 + ] + } + ], + "orig": "(2) The replacement cost of that part of the dwelling damaged, with materials of like kind and quality and for like use; or", + "text": "The replacement cost of that part of the dwelling damaged, with materials of like kind and quality and for like use; or", + "enumerated": true, + "marker": "(2)" + }, + { + "self_ref": "#/texts/539", + "parent": { + "$ref": "#/groups/64" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 364.5, + "t": 513.8000999999999, + "r": 569.9871900000005, + "b": 479.0637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 108 + ] + } + ], + "orig": "(3) The necessary amount actually spent to repair or replace the damaged part of the dwelling for like use.", + "text": " The necessary amount actually spent to repair or replace the damaged part of the dwelling for like use.", + "enumerated": true, + "marker": "(3)" + }, + { + "self_ref": "#/texts/540", + "parent": { + "$ref": "#/groups/64" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 346.5, + "t": 470.3001, + "r": 569.9863799999999, + "b": 422.5637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 190 + ] + } + ], + "orig": "b. If the dwelling is rebuilt at a new location, the cost described above is limited to the cost that would have been incurred if the dwelling had been rebuilt at its former location.", + "text": "If the dwelling is rebuilt at a new location, the cost described above is limited to the cost that would have been incurred if the dwelling had been rebuilt at its former location.", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/541", + "parent": { + "$ref": "#/groups/64" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 346.5, + "t": 414.7001, + "r": 569.9952900000002, + "b": 340.96373238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 283 + ] + } + ], + "orig": "c. When the full cost of repair or replacement is more than $1,000, or more than 5 percent of the whole amount of insurance that applies to the dwelling, we will not be liable for any loss under R.2.a above or R.4.a.2 below unless and until actual repair or replacement is completed.", + "text": "When the full cost of repair or replacement is more than $1,000, or more than 5 percent of the whole amount of insurance that applies to the dwelling, we will not be liable for any loss under R.2.a above or R.4.a.2 below unless and until actual repair or replacement is completed.", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/542", + "parent": { + "$ref": "#/groups/64" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 346.5, + "t": 333.1001, + "r": 569.9923199999997, + "b": 246.36373238512033, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 326 + ] + } + ], + "orig": "d. You may disregard the replacement cost conditions above and make claim under this policy for loss to dwellings on an actual cash value basis. You may then make claim for any additional liability according to R.2.a, b, and c above, provided you notify us of your intent to do so within 180 days after the date of loss.", + "text": "You may disregard the replacement cost conditions above and make claim under this policy for loss to dwellings on an actual cash value basis. You may then make claim for any additional liability according to R.2.a, b, and c above, provided you notify us of your intent to do so within 180 days after the date of loss.", + "enumerated": true, + "marker": "d." + }, + { + "self_ref": "#/texts/543", + "parent": { + "$ref": "#/groups/64" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 346.5, + "t": 238.50009999999997, + "r": 569.9873699999998, + "b": 151.7637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 332 + ] + } + ], + "orig": "e. If the community in which your dwelling is located has been converted from the Emergency Program to the Regular Program during the current policy term, then we will consider the maximum amount of available NFIP insurance to be the amount that was available at the beginning of the current policy term.", + "text": "If the community in which your dwelling is located has been converted from the Emergency Program to the Regular Program during the current policy term, then we will consider the maximum amount of available NFIP insurance to be the amount that was available at the beginning of the current policy term.", + "enumerated": true, + "marker": "e." + }, + { + "self_ref": "#/texts/544", + "parent": { + "$ref": "#/groups/64" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 328.5, + "t": 143.00009999999997, + "r": 451.7706600000005, + "b": 134.21529640852975, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 26 + ] + } + ], + "orig": "3. Special Loss Settlement", + "text": "Special Loss Settlement", + "enumerated": true, + "marker": "3." + }, + { + "self_ref": "#/texts/545", + "parent": { + "$ref": "#/groups/64" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 346.5, + "t": 125.50009999999997, + "r": 569.9645999999998, + "b": 103.7637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 83 + ] + } + ], + "orig": "a. The following loss settlement conditions apply to a single-family dwelling that:", + "text": "The following loss settlement conditions apply to a single-family dwelling that:", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/546", + "parent": { + "$ref": "#/groups/64" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 364.5, + "t": 95.90009999999995, + "r": 569.9693700000005, + "b": 74.16373238512028, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 94 + ] + } + ], + "orig": "(1) is a manufactured or mobile home or a travel trailer, as defined in II.C.6.b and c;", + "text": "is a manufactured or mobile home or a travel trailer, as defined in II.C.6.b and c;", + "enumerated": true, + "marker": "(1)" + }, + { + "self_ref": "#/texts/547", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 45.0, + "t": 36.13409999999999, + "r": 157.2363, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/548", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 28, + "bbox": { + "l": 506.304, + "t": 36.13409999999999, + "r": 566.9937000000001, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "PAGE 26 OF 30", + "text": "PAGE 26 OF 30" + }, + { + "self_ref": "#/texts/549", + "parent": { + "$ref": "#/groups/65" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 94.5, + "t": 747.0001, + "r": 299.9891699999999, + "b": 699.2044340857788, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 154 + ] + } + ], + "orig": "(2) is at least 16 feet wide when fully assembled and has an area of at least 600 square feet within its perimeter walls when fully assembled; and", + "text": "is at least 16 feet wide when fully assembled and has an area of at least 600 square feet within its perimeter walls when fully assembled; and", + "enumerated": true, + "marker": "(2)" + }, + { + "self_ref": "#/texts/550", + "parent": { + "$ref": "#/groups/65" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 94.5, + "t": 690.5001, + "r": 299.9475899999997, + "b": 668.7637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 62 + ] + } + ], + "orig": "(3) is your principal residence as specified in R.1.a.1 above.", + "text": "is your principal residence as specified in R.1.a.1 above.", + "enumerated": true, + "marker": "(3)" + }, + { + "self_ref": "#/texts/551", + "parent": { + "$ref": "#/groups/65" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 76.5, + "t": 660.0001, + "r": 299.98044000000004, + "b": 599.2637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 250 + ] + } + ], + "orig": "b. If such a dwelling is totally destroyed or damaged to such an extent that, in our judgment, it is not economically feasible to repair, at least to its pre-damage condition, we will, at our discretion pay the least of the following amounts:", + "text": "If such a dwelling is totally destroyed or damaged to such an extent that, in our judgment, it is not economically feasible to repair, at least to its pre-damage condition, we will, at our discretion pay the least of the following amounts:", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/552", + "parent": { + "$ref": "#/groups/65" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 94.5, + "t": 591.4001000000001, + "r": 297.91016999999977, + "b": 556.6044340857788, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 93 + ] + } + ], + "orig": "(1) The lesser of the replacement cost of the dwelling or 1.5 times the actual cash value; or", + "text": "The lesser of the replacement cost of the dwelling or 1.5 times the actual cash value; or", + "enumerated": true, + "marker": "(1)" + }, + { + "self_ref": "#/texts/553", + "parent": { + "$ref": "#/groups/65" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 94.5, + "t": 547.9001000000001, + "r": 281.9899799999998, + "b": 526.1637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 68 + ] + } + ], + "orig": "(2) The building limit of liability shown on your Declarations Page.", + "text": "The building limit of liability shown on your Declarations Page.", + "enumerated": true, + "marker": "(2)" + }, + { + "self_ref": "#/texts/554", + "parent": { + "$ref": "#/groups/65" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 76.5, + "t": 517.4001, + "r": 299.98341, + "b": 456.66373238512034, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 237 + ] + } + ], + "orig": "c. If such a dwelling is partially damaged and, in our judgment, it is economically feasible to repair it to its pre-damage condition, we will settle the loss according to the Replacement Cost conditions in R.2 above.", + "text": "If such a dwelling is partially damaged and, in our judgment, it is economically feasible to repair it to its pre-damage condition, we will settle the loss according to the Replacement Cost conditions in R.2 above.", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/555", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 58.5, + "t": 447.9001, + "r": 228.32837999999992, + "b": 439.11529640852973, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 36 + ] + } + ], + "orig": "4. Actual Cash Value Loss Settlement", + "text": "4. Actual Cash Value Loss Settlement", + "level": 1 + }, + { + "self_ref": "#/texts/556", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 76.5, + "t": 431.3001, + "r": 299.98359000000016, + "b": 396.5637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 149 + ] + } + ], + "orig": "The types of property noted below are subject to actual cash value (or in the case of R.4.a.2., below, proportional) loss settlement.", + "text": "The types of property noted below are subject to actual cash value (or in the case of R.4.a.2., below, proportional) loss settlement." + }, + { + "self_ref": "#/texts/557", + "parent": { + "$ref": "#/groups/66" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 76.5, + "t": 387.8001, + "r": 299.9933100000003, + "b": 275.0637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 411 + ] + } + ], + "orig": "a. A dwelling, at the time of loss, when the amount of insurance on the dwelling is both less than 80 percent of its full replacement cost immediately before the loss and less than the maximum amount of insurance available under the NFIP. In that case, we will pay the greater of the following amounts, but not more than the amount of insurance that applies to that dwelling:", + "text": "A dwelling, at the time of loss, when the amount of insurance on the dwelling is both less than 80 percent of its full replacement cost immediately before the loss and less than the maximum amount of insurance available under the NFIP. In that case, we will pay the greater of the following amounts, but not more than the amount of insurance that applies to that dwelling:", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/558", + "parent": { + "$ref": "#/groups/66" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 94.5, + "t": 267.2001, + "r": 299.9584799999999, + "b": 245.4044340857788, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 88 + ] + } + ], + "orig": "(1) The actual cash value, as defined in II.C.2, of the damaged part of the dwelling; or", + "text": "The actual cash value, as defined in II.C.2, of the damaged part of the dwelling; or", + "enumerated": true, + "marker": "(1)" + }, + { + "self_ref": "#/texts/559", + "parent": { + "$ref": "#/groups/66" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 94.5, + "t": 236.70010000000002, + "r": 299.9891699999998, + "b": 188.96373238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 172 + ] + } + ], + "orig": "(2) A proportion of the cost to repair or replace the damaged part of the dwelling, without deduction for physical depreciation and after application of the deductible.", + "text": "A proportion of the cost to repair or replace the damaged part of the dwelling, without deduction for physical depreciation and after application of the deductible.", + "enumerated": true, + "marker": "(2)" + }, + { + "self_ref": "#/texts/560", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 112.5, + "t": 180.20010000000002, + "r": 299.9931299999999, + "b": 145.46373238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 130 + ] + }, + { + "page_no": 29, + "bbox": { + "l": 382.5027, + "t": 747.0001, + "r": 569.9988000000005, + "b": 582.2637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 131, + 663 + ] + } + ], + "orig": "This proportion is determined as follows: If 80 percent of the full replacement cost of the dwelling is less than the maximum amount of insurance available under the NFIP, then the proportion is determined by dividing the actual amount of insurance on the dwelling by the amount of insurance that represents 80 percent of its full replacement cost. But if 80 percent of the full replacement cost of the dwelling is greater than the maximum amount of insurance available under the NFIP, then the proportion is determined by dividing the actual amount of insurance on the dwelling by the maximum amount of insurance available under the NFIP.", + "text": "This proportion is determined as follows: If 80 percent of the full replacement cost of the dwelling is less than the maximum amount of insurance available under the NFIP, then the proportion is determined by dividing the actual amount of insurance on the dwelling by the amount of insurance that represents 80 percent of its full replacement cost. But if 80 percent of the full replacement cost of the dwelling is greater than the maximum amount of insurance available under the NFIP, then the proportion is determined by dividing the actual amount of insurance on the dwelling by the maximum amount of insurance available under the NFIP." + }, + { + "self_ref": "#/texts/561", + "parent": { + "$ref": "#/groups/67" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 346.5, + "t": 573.5001, + "r": 523.0544399999994, + "b": 564.7637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 43 + ] + } + ], + "orig": "b. A two-, three-, or four-family dwelling.", + "text": "A two-, three-, or four-family dwelling.", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/562", + "parent": { + "$ref": "#/groups/67" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 346.5, + "t": 556.9001000000001, + "r": 553.47516, + "b": 535.1637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 74 + ] + } + ], + "orig": "c. A unit that is not used exclusively for singlefamily dwelling purposes.", + "text": "A unit that is not used exclusively for singlefamily dwelling purposes.", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/563", + "parent": { + "$ref": "#/groups/67" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 346.5, + "t": 527.3001, + "r": 445.93245000000024, + "b": 518.5637323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 20 + ] + } + ], + "orig": "d. Detached garages.", + "text": "Detached garages.", + "enumerated": true, + "marker": "d." + }, + { + "self_ref": "#/texts/564", + "parent": { + "$ref": "#/groups/67" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 346.5, + "t": 510.7001, + "r": 443.20698000000016, + "b": 501.96373238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 21 + ] + } + ], + "orig": "e. Personal property.", + "text": "Personal property.", + "enumerated": true, + "marker": "e." + }, + { + "self_ref": "#/texts/565", + "parent": { + "$ref": "#/groups/67" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 346.5, + "t": 494.1001, + "r": 528.5439899999998, + "b": 485.36373238512033, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 40 + ] + } + ], + "orig": "f. Appliances, carpets, and carpet pads.", + "text": "Appliances, carpets, and carpet pads.", + "enumerated": true, + "marker": "f." + }, + { + "self_ref": "#/texts/566", + "parent": { + "$ref": "#/groups/67" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 346.5, + "t": 477.50010000000003, + "r": 569.9527199999998, + "b": 455.76373238512036, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 89 + ] + } + ], + "orig": "g. Outdoor awnings, outdoor antennas or aerials of any type, and other outdoor equipment.", + "text": "Outdoor awnings, outdoor antennas or aerials of any type, and other outdoor equipment.", + "enumerated": true, + "marker": "g." + }, + { + "self_ref": "#/texts/567", + "parent": { + "$ref": "#/groups/67" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 346.5, + "t": 447.9001, + "r": 569.97945, + "b": 413.16373238512034, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 130 + ] + } + ], + "orig": "h. Any property insured under this policy that is abandoned after a loss and remains as debris anywhere on the described location.", + "text": "Any property insured under this policy that is abandoned after a loss and remains as debris anywhere on the described location.", + "enumerated": true, + "marker": "h." + }, + { + "self_ref": "#/texts/568", + "parent": { + "$ref": "#/groups/67" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 346.5, + "t": 405.3001, + "r": 562.0396499999999, + "b": 396.5637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 51 + ] + } + ], + "orig": "i. A dwelling that is not your principal residence.", + "text": "A dwelling that is not your principal residence.", + "enumerated": true, + "marker": "i." + }, + { + "self_ref": "#/texts/569", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 328.5, + "t": 387.8001, + "r": 479.25009000000057, + "b": 379.0152964085297, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 31 + ] + } + ], + "orig": "5. Amount of Insurance Required", + "text": "5. Amount of Insurance Required", + "level": 1 + }, + { + "self_ref": "#/texts/570", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 346.5, + "t": 371.20009999999996, + "r": 569.9954700000006, + "b": 336.4637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 121 + ] + } + ], + "orig": "To determine the amount of insurance required for a dwelling immediately before the loss, we do not include the value of:", + "text": "To determine the amount of insurance required for a dwelling immediately before the loss, we do not include the value of:" + }, + { + "self_ref": "#/texts/571", + "parent": { + "$ref": "#/groups/68" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 346.5, + "t": 327.7001, + "r": 569.9893500000001, + "b": 279.96373238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 169 + ] + } + ], + "orig": "a. Footings, foundations, piers, or any other structures or devices that are below the undersurface of the lowest basement floor and support all or part of the dwelling;", + "text": "Footings, foundations, piers, or any other structures or devices that are below the undersurface of the lowest basement floor and support all or part of the dwelling;", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/572", + "parent": { + "$ref": "#/groups/68" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 346.5, + "t": 272.1001, + "r": 569.9853899999998, + "b": 237.30443408577878, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 145 + ] + } + ], + "orig": "b. Those supports listed in R.5.a above, that are below the surface of the ground inside the foundation walls if there is no basement; and", + "text": "Those supports listed in R.5.a above, that are below the surface of the ground inside the foundation walls if there is no basement; and", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/573", + "parent": { + "$ref": "#/groups/68" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 346.5, + "t": 229.50009999999997, + "r": 569.9824200000013, + "b": 207.7637323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 66 + ] + } + ], + "orig": "c. Excavations and underground flues, pipes, wiring, and drains.", + "text": "Excavations and underground flues, pipes, wiring, and drains.", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/574", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 346.5018, + "t": 199.90010000000007, + "r": 569.9814300000002, + "b": 165.16373238512028, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 150 + ] + } + ], + "orig": "Note: The Coverage D-Increased Cost of Compliance limit of liability is not included in the determination of the amount of insurance required.", + "text": "Note: The Coverage D-Increased Cost of Compliance limit of liability is not included in the determination of the amount of insurance required." + }, + { + "self_ref": "#/texts/575", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 44.91, + "t": 36.13409999999999, + "r": 157.14630000000002, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/576", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 29, + "bbox": { + "l": 506.529, + "t": 36.13409999999999, + "r": 567.0909000000001, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "PAGE 27 OF 30", + "text": "PAGE 27 OF 30" + }, + { + "self_ref": "#/texts/577", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 30, + "bbox": { + "l": 141.1849, + "t": 739.6460000000001, + "r": 470.81420000000054, + "b": 730.0801927194861, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 57 + ] + } + ], + "orig": "VIII. POLICY NULLIFICATION, CANCELLATION, AND NON-RENEWAL", + "text": "VIII. POLICY NULLIFICATION, CANCELLATION, AND NON-RENEWAL", + "level": 1 + }, + { + "self_ref": "#/texts/578", + "parent": { + "$ref": "#/groups/69" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 30, + "bbox": { + "l": 45.0, + "t": 708.303, + "r": 297.7470359999998, + "b": 686.0799562289562, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 85 + ] + } + ], + "orig": "A. Policy Nullification for Fraud, Misrepresentation, or Making False Statements", + "text": "Policy Nullification for Fraud, Misrepresentation, or Making False Statements", + "enumerated": true, + "marker": "A." + }, + { + "self_ref": "#/texts/579", + "parent": { + "$ref": "#/groups/69" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 30, + "bbox": { + "l": 57.06, + "t": 675.948, + "r": 299.2788000000001, + "b": 520.1763608017815, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 268 + ] + } + ], + "orig": "1. With respect to all insureds under this policy, this policy is void and has no legal force and effect if at any time, before or after a loss, you or any other insured or your agent have, with respect to this policy or any other NFIP insurance:", + "text": "With respect to all insureds under this policy, this policy is void and has no legal force and effect if at any time, before or after a loss, you or any other insured or your agent have, with respect to this policy or any other NFIP insurance:", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/580", + "parent": { + "$ref": "#/groups/69" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 30, + "bbox": { + "l": 76.5, + "t": 511.44800000000004, + "r": 259.15680000000003, + "b": 455.66436080178175, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 65 + ] + } + ], + "orig": "a. Concealed or misrepresented any material fact or circumstance;", + "text": "Concealed or misrepresented any material fact or circumstance;", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/581", + "parent": { + "$ref": "#/groups/69" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 30, + "bbox": { + "l": 76.5, + "t": 447.848, + "r": 240.16246199999992, + "b": 412.0295590551181, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 36 + ] + } + ], + "orig": "b. Engaged in fraudulent conduct; or", + "text": "Engaged in fraudulent conduct; or", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/582", + "parent": { + "$ref": "#/groups/69" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 30, + "bbox": { + "l": 76.5, + "t": 404.248, + "r": 246.96970199999998, + "b": 388.4623608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 26 + ] + } + ], + "orig": "c. Made false statements.", + "text": " Made false statements.", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/583", + "parent": { + "$ref": "#/groups/69" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 30, + "bbox": { + "l": 57.06, + "t": 377.76800000000003, + "r": 299.22479999999985, + "b": 321.98636080178176, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 80 + ] + } + ], + "orig": "2. Policies voided under A.1 cannot be renewed or replaced by a new NFIP policy.", + "text": "Policies voided under A.1 cannot be renewed or replaced by a new NFIP policy.", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/584", + "parent": { + "$ref": "#/groups/69" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 30, + "bbox": { + "l": 57.06, + "t": 311.288, + "r": 299.2806000000001, + "b": 255.50636080178174, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 89 + ] + } + ], + "orig": "3. Policies are void as of the date the acts described in A.1 above were committed.", + "text": "Policies are void as of the date the acts described in A.1 above were committed.", + "enumerated": true, + "marker": "3." + }, + { + "self_ref": "#/texts/585", + "parent": { + "$ref": "#/groups/69" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 30, + "bbox": { + "l": 57.06, + "t": 244.808, + "r": 299.28060000000005, + "b": 149.03036080178185, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 141 + ] + } + ], + "orig": "4. Fines, civil penalties, and imprisonment under applicable Federal laws may also apply to the acts of fraud or concealment described above.", + "text": "Fines, civil penalties, and imprisonment under applicable Federal laws may also apply to the acts of fraud or concealment described above.", + "enumerated": true, + "marker": "4." + }, + { + "self_ref": "#/texts/586", + "parent": { + "$ref": "#/groups/69" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 30, + "bbox": { + "l": 45.0, + "t": 135.683, + "r": 275.1971625, + "b": 126.45895622895625, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 52 + ] + } + ], + "orig": "B. Policy Nullification for Reasons Other Than Fraud", + "text": "Policy Nullification for Reasons Other Than Fraud", + "enumerated": true, + "marker": "B." + }, + { + "self_ref": "#/texts/587", + "parent": { + "$ref": "#/groups/69" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 30, + "bbox": { + "l": 57.06, + "t": 116.32799999999997, + "r": 299.2482, + "b": 60.5463608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 80 + ] + } + ], + "orig": "1. This policy is void from its inception, and has no legal force or effect, if:", + "text": "This policy is void from its inception, and has no legal force or effect, if:", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/588", + "parent": { + "$ref": "#/groups/69" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 30, + "bbox": { + "l": 348.75, + "t": 706.548, + "r": 571.4821980000005, + "b": 551.4063608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 235 + ] + } + ], + "orig": "a. The property listed on the application is located in a community that was not participating in the NFIP on this policy's inception date and did not join or reenter the program during the policy term and before the loss occurred;", + "text": "The property listed on the application is located in a community that was not participating in the NFIP on this policy's inception date and did not join or reenter the program during the policy term and before the loss occurred;", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/589", + "parent": { + "$ref": "#/groups/69" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 30, + "bbox": { + "l": 348.75, + "t": 543.7479999999999, + "r": 571.4821979999998, + "b": 448.33036080178164, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 146 + ] + } + ], + "orig": "b. The property listed on the application is otherwise not eligible for coverage under the NFIP at the time of the initial application;", + "text": "The property listed on the application is otherwise not eligible for coverage under the NFIP at the time of the initial application;", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/590", + "parent": { + "$ref": "#/groups/69" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 30, + "bbox": { + "l": 348.75, + "t": 440.648, + "r": 571.473288, + "b": 385.0463608017817, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 90 + ] + } + ], + "orig": "c. You never had an insurable interest in the property listed on the application;", + "text": " You never had an insurable interest in the property listed on the application;", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/591", + "parent": { + "$ref": "#/groups/69" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 30, + "bbox": { + "l": 348.75, + "t": 377.348, + "r": 571.476852, + "b": 321.7115590551181, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 94 + ] + } + ], + "orig": "d. You provided an agent with an application and payment, but the payment did not clear; or", + "text": "You provided an agent with an application and payment, but the payment did not clear; or", + "enumerated": true, + "marker": "d." + }, + { + "self_ref": "#/texts/592", + "parent": { + "$ref": "#/groups/69" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 30, + "bbox": { + "l": 348.75, + "t": 314.048, + "r": 571.478634, + "b": 138.9983608017816, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 263 + ] + } + ], + "orig": "e. We receive notice from you, prior to the policy effective date, that you have determined not to take the policy and you are not subject to a requirement to obtain and maintain flood insurance pursuant to any statute, regulation, or contract.", + "text": "We receive notice from you, prior to the policy effective date, that you have determined not to take the policy and you are not subject to a requirement to obtain and maintain flood insurance pursuant to any statute, regulation, or contract.", + "enumerated": true, + "marker": "e." + }, + { + "self_ref": "#/texts/593", + "parent": { + "$ref": "#/groups/69" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 30, + "bbox": { + "l": 330.75, + "t": 131.86, + "r": 569.9823300000006, + "b": 58.123632385120345, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 304 + ] + } + ], + "orig": "2. In such cases, you will be entitled to a full refund of all premium, fees, and surcharges received. However, if a claim was paid for a policy that is void, the claim payment must be returned to FEMA or offset from the premiums to be refunded before the refund will be processed.", + "text": "In such cases, you will be entitled to a full refund of all premium, fees, and surcharges received. However, if a claim was paid for a policy that is void, the claim payment must be returned to FEMA or offset from the premiums to be refunded before the refund will be processed.", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/594", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 30, + "bbox": { + "l": 45.0, + "t": 36.13409999999999, + "r": 157.2363, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/595", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 30, + "bbox": { + "l": 506.259, + "t": 36.13409999999999, + "r": 566.9955000000001, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "PAGE 28 OF 30", + "text": "PAGE 28 OF 30" + }, + { + "self_ref": "#/texts/596", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 31, + "bbox": { + "l": 45.0, + "t": 747.0001, + "r": 201.919689, + "b": 737.7760562289562, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 36 + ] + } + ], + "orig": "C. Cancellation of the Policy by You", + "text": "C. Cancellation of the Policy by You", + "level": 1 + }, + { + "self_ref": "#/texts/597", + "parent": { + "$ref": "#/groups/70" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 31, + "bbox": { + "l": 58.5, + "t": 729.1571, + "r": 299.9925000000001, + "b": 694.4207323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 157 + ] + } + ], + "orig": "1. You may cancel this policy in accordance with the terms and conditions of this policy and the applicable rules and regulations of the NFIP.", + "text": "You may cancel this policy in accordance with the terms and conditions of this policy and the applicable rules and regulations of the NFIP.", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/598", + "parent": { + "$ref": "#/groups/70" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 31, + "bbox": { + "l": 58.5, + "t": 685.6571, + "r": 300.0053700000002, + "b": 637.9207323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 219 + ] + } + ], + "orig": "2. If you cancel this policy, you may be entitled to a full or partial refund of premium, surcharges, or fees under the terms and conditions of this policy and the applicable rules and regulations of the NFIP.", + "text": "If you cancel this policy, you may be entitled to a full or partial refund of premium, surcharges, or fees under the terms and conditions of this policy and the applicable rules and regulations of the NFIP.", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/599", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 31, + "bbox": { + "l": 45.0, + "t": 625.0001, + "r": 196.73050499999994, + "b": 615.7760562289562, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 35 + ] + } + ], + "orig": "D. Cancellation of the Policy by Us", + "text": "D. Cancellation of the Policy by Us", + "level": 1 + }, + { + "self_ref": "#/texts/600", + "parent": { + "$ref": "#/groups/71" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 31, + "bbox": { + "l": 57.06, + "t": 603.6650999999999, + "r": 301.59360000000027, + "b": 367.90146080178164, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 384 + ] + } + ], + "orig": "1. Cancellation for Underpayment of Amounts Owed on Policy. This policy will be cancelled, pursuant to VII.D.2, if it is determined that the premium amount you paid is not sufficient to buy any amount of coverage, and you do not pay the additional amount of premium owed to increase the coverage to the originally requested amount within the required time period.", + "text": "Cancellation for Underpayment of Amounts Owed on Policy. This policy will be cancelled, pursuant to VII.D.2, if it is determined that the premium amount you paid is not sufficient to buy any amount of coverage, and you do not pay the additional amount of premium owed to increase the coverage to the originally requested amount within the required time period.", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/601", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 31, + "bbox": { + "l": 57.06, + "t": 357.18510000000003, + "r": 299.6676000000003, + "b": 321.4204953488372, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 53 + ] + } + ], + "orig": "2. Cancellation Due to Lack of an Insurable Interest.", + "text": "2. Cancellation Due to Lack of an Insurable Interest.", + "level": 1 + }, + { + "self_ref": "#/texts/602", + "parent": { + "$ref": "#/groups/72" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 31, + "bbox": { + "l": 76.5, + "t": 310.7051, + "r": 301.468608, + "b": 214.92746080178176, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 157 + ] + } + ], + "orig": "a. If you no longer have an insurable interest in the insured property, we will cancel this policy. You will cease to have an insurable interest if:", + "text": "If you no longer have an insurable interest in the insured property, we will cancel this policy. You will cease to have an insurable interest if:", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/603", + "parent": { + "$ref": "#/groups/72" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 31, + "bbox": { + "l": 90.36, + "t": 207.1051, + "r": 259.964928, + "b": 151.32346080178172, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 72 + ] + } + ], + "orig": "(1) For building coverage, the building was sold, destroyed, or removed.", + "text": "For building coverage, the building was sold, destroyed, or removed.", + "enumerated": true, + "marker": "(1)" + }, + { + "self_ref": "#/texts/604", + "parent": { + "$ref": "#/groups/72" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 31, + "bbox": { + "l": 90.36, + "t": 142.6051, + "r": 278.31713399999995, + "b": 66.82546080178167, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 96 + ] + } + ], + "orig": "(2) For contents coverage, the contents were sold or transferred ownership, or the contents were", + "text": "For contents coverage, the contents were sold or transferred ownership, or the contents were", + "enumerated": true, + "marker": "(2)" + }, + { + "self_ref": "#/texts/605", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 31, + "bbox": { + "l": 381.96144, + "t": 747.0091, + "r": 549.9528299999998, + "b": 711.2254608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 47 + ] + } + ], + "orig": "completely removed from the described location.", + "text": "completely removed from the described location." + }, + { + "self_ref": "#/texts/606", + "parent": { + "$ref": "#/groups/73" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 31, + "bbox": { + "l": 346.5, + "t": 700.5201999999999, + "r": 571.4739540000005, + "b": 604.7425608017816, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 159 + ] + } + ], + "orig": "b. If your policy is cancelled for this reason, you may be entitled to a partial refund of premium under the applicable rules and regulations of the NFIP.", + "text": "If your policy is cancelled for this reason, you may be entitled to a partial refund of premium under the applicable rules and regulations of the NFIP.", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/607", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 31, + "bbox": { + "l": 328.5, + "t": 594.0401999999999, + "r": 530.3358000000002, + "b": 558.2755953488371, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 37 + ] + } + ], + "orig": "3. Cancellation of Duplicate Policies", + "text": "3. Cancellation of Duplicate Policies", + "level": 1 + }, + { + "self_ref": "#/texts/608", + "parent": { + "$ref": "#/groups/74" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 31, + "bbox": { + "l": 346.5, + "t": 549.5401999999999, + "r": 571.4668260000004, + "b": 433.76456080178167, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 192 + ] + } + ], + "orig": "a. Except as allowed under Article I.G, your property may not be insured by more than one NFIP policy, and payment for damages to your property will only be made under one policy.", + "text": "Except as allowed under Article I.G, your property may not be insured by more than one NFIP policy, and payment for damages to your property will only be made under one policy.", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/609", + "parent": { + "$ref": "#/groups/74" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 31, + "bbox": { + "l": 346.5, + "t": 425.9402, + "r": 571.4686080000002, + "b": 250.1705608017818, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 294 + ] + } + ], + "orig": "b. Except as allowed under Article I.G, if the property is insured by more than one NFIP policy, we will cancel all but one of the policies. The policy, or policies, will be selected for cancellation in accordance with 44 CFR 62.5 and the applicable rules and guidance of the NFIP.", + "text": "Except as allowed under Article I.G, if the property is insured by more than one NFIP policy, we will cancel all but one of the policies. The policy, or policies, will be selected for cancellation in accordance with 44 CFR 62.5 and the applicable rules and guidance of the NFIP.", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/610", + "parent": { + "$ref": "#/groups/74" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 31, + "bbox": { + "l": 346.5, + "t": 242.34019999999998, + "r": 571.4882100000001, + "b": 86.56856080178181, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 250 + ] + } + ], + "orig": "c. If this policy is cancelled pursuant to VIII.D.4.b, you may be entitled to a full or partial refund of premium, surcharges, or fees under the terms and conditions of this policy and the applicable rules and regulations of the NFIP.", + "text": " If this policy is cancelled pursuant to VIII.D.4.b, you may be entitled to a full or partial refund of premium, surcharges, or fees under the terms and conditions of this policy and the applicable rules and regulations of the NFIP.", + "enumerated": true, + "marker": "c." + }, + { + "self_ref": "#/texts/611", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 31, + "bbox": { + "l": 44.91, + "t": 36.13409999999999, + "r": 157.14630000000002, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 23 + ] + } + ], + "orig": "NFIP DWELLING FORM SFIP", + "text": "NFIP DWELLING FORM SFIP" + }, + { + "self_ref": "#/texts/612", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "furniture", + "label": "page_footer", + "prov": [ + { + "page_no": 31, + "bbox": { + "l": 506.358, + "t": 36.13409999999999, + "r": 567.0864000000001, + "b": 28.2277767676768, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 13 + ] + } + ], + "orig": "PAGE 29 OF 30", + "text": "PAGE 29 OF 30" + }, + { + "self_ref": "#/texts/613", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 32, + "bbox": { + "l": 58.5, + "t": 747.0002, + "r": 273.90059999999994, + "b": 711.2355953488371, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 54 + ] + } + ], + "orig": "4. Cancellation Due to Physical Alteration of Property", + "text": "4. Cancellation Due to Physical Alteration of Property", + "level": 1 + }, + { + "self_ref": "#/texts/614", + "parent": { + "$ref": "#/groups/75" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 32, + "bbox": { + "l": 76.5, + "t": 702.5002, + "r": 301.47573599999987, + "b": 606.7225608017816, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 165 + ] + } + ], + "orig": "a. If the insured building has been physically altered in such a manner that it is no longer eligible for flood insurance coverage, we will cancel this policy.", + "text": "If the insured building has been physically altered in such a manner that it is no longer eligible for flood insurance coverage, we will cancel this policy.", + "enumerated": true, + "marker": "a." + }, + { + "self_ref": "#/texts/615", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 32, + "bbox": { + "l": 364.50864, + "t": 747.0041999999999, + "r": 571.4683379999994, + "b": 691.2225608017816, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 77 + ] + } + ], + "orig": "of this policy and the applicable rules and regulations of the NFIP.", + "text": "of this policy and the applicable rules and regulations of the NFIP.", + "level": 1 + }, + { + "self_ref": "#/texts/616", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 32, + "bbox": { + "l": 315.0, + "t": 680.7552, + "r": 470.90825549999926, + "b": 671.5311562289562, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 34 + ] + } + ], + "orig": "E. Non-Renewal of the Policy by Us", + "text": "E. Non-Renewal of the Policy by Us", + "level": 1 + }, + { + "self_ref": "#/texts/617", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 32, + "bbox": { + "l": 315.0, + "t": 662.9122, + "r": 457.9302599999994, + "b": 654.1758323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 35 + ] + } + ], + "orig": "Your policy will not be renewed if:", + "text": "Your policy will not be renewed if:" + }, + { + "self_ref": "#/texts/618", + "parent": { + "$ref": "#/groups/76" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 32, + "bbox": { + "l": 328.5, + "t": 646.3122, + "r": 569.9558699999997, + "b": 611.5758323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 116 + ] + } + ], + "orig": "1. The community where your insured property is located is suspended or stops participating in the NFIP;", + "text": "The community where your insured property is located is suspended or stops participating in the NFIP;", + "enumerated": true, + "marker": "1." + }, + { + "self_ref": "#/texts/619", + "parent": { + "$ref": "#/groups/76" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 32, + "bbox": { + "l": 76.5, + "t": 598.9001999999999, + "r": 301.4739539999999, + "b": 523.1205608017816, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 134 + ] + } + ], + "orig": "b. If your policy is cancelled for this reason, you may be entitled to a partial refund of premium under the terms and conditions", + "text": "If your policy is cancelled for this reason, you may be entitled to a partial refund of premium under the terms and conditions", + "enumerated": true, + "marker": "b." + }, + { + "self_ref": "#/texts/620", + "parent": { + "$ref": "#/groups/76" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 32, + "bbox": { + "l": 328.5, + "t": 602.8122, + "r": 569.9628000000007, + "b": 581.0758323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 76 + ] + } + ], + "orig": "2. Your building is otherwise ineligible for flood insurance under the Act;", + "text": "Your building is otherwise ineligible for flood insurance under the Act;", + "enumerated": true, + "marker": "2." + }, + { + "self_ref": "#/texts/621", + "parent": { + "$ref": "#/groups/76" + }, + "children": [], + "content_layer": "body", + "label": "list_item", + "prov": [ + { + "page_no": 32, + "bbox": { + "l": 328.5, + "t": 572.3122, + "r": 569.9875500000007, + "b": 537.5758323851203, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 139 + ] + } + ], + "orig": "3. You have failed to provide the information we requested for the purpose of rating the policy within the required deadline.", + "text": "You have failed to provide the information we requested for the purpose of rating the policy within the required deadline.", + "enumerated": true, + "marker": "3." + }, + { + "self_ref": "#/texts/622", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 32, + "bbox": { + "l": 233.7581, + "t": 500.5982, + "r": 378.2442000000003, + "b": 491.0323927194861, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 25 + ] + } + ], + "orig": "IX. LIBERALIZATION CLAUSE", + "text": "IX. LIBERALIZATION CLAUSE", + "level": 1 + }, + { + "self_ref": "#/texts/623", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 32, + "bbox": { + "l": 45.0, + "t": 468.91220000000004, + "r": 300.00618000000014, + "b": 421.1758323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 232 + ] + }, + { + "page_no": 32, + "bbox": { + "l": 315.0027, + "t": 468.91220000000004, + "r": 569.9781900000004, + "b": 434.1758323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 233, + 374 + ] + } + ], + "orig": "If we make a change that broadens your coverage under this edition of our policy, but does not require any additional premium, then that change will automatically apply to your insurance as of the date we implement the change, provided that this implementation date falls within 60 days before or during the policy term stated on the Declarations Page.", + "text": "If we make a change that broadens your coverage under this edition of our policy, but does not require any additional premium, then that change will automatically apply to your insurance as of the date we implement the change, provided that this implementation date falls within 60 days before or during the policy term stated on the Declarations Page." + }, + { + "self_ref": "#/texts/624", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "section_header", + "prov": [ + { + "page_no": 32, + "bbox": { + "l": 245.3414, + "t": 397.9982, + "r": 366.65930000000003, + "b": 388.4323927194861, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 19 + ] + } + ], + "orig": "X. WHAT LAW GOVERNS", + "text": "X. WHAT LAW GOVERNS", + "level": 1 + }, + { + "self_ref": "#/texts/625", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 32, + "bbox": { + "l": 45.0, + "t": 366.3122, + "r": 299.9507400000003, + "b": 331.57583238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 186 + ] + }, + { + "page_no": 32, + "bbox": { + "l": 315.0027, + "t": 366.3122, + "r": 569.9930399999996, + "b": 331.57583238512035, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 187, + 328 + ] + } + ], + "orig": "This policy and all disputes arising from the insurer's policy issuance, policy administration, or the handling of any claim under the policy are governed exclusively by the flood insurance regulations issued by FEMA, the National Flood Insurance Act of 1968, as amended (42 U.S.C. 4001, et seq.), and Federal common law.", + "text": "This policy and all disputes arising from the insurer's policy issuance, policy administration, or the handling of any claim under the policy are governed exclusively by the flood insurance regulations issued by FEMA, the National Flood Insurance Act of 1968, as amended (42 U.S.C. 4001, et seq.), and Federal common law." + }, + { + "self_ref": "#/texts/626", + "parent": { + "$ref": "#/body" + }, + "children": [], + "content_layer": "body", + "label": "text", + "prov": [ + { + "page_no": 32, + "bbox": { + "l": 45.0, + "t": 287.7122, + "r": 485.61929999999927, + "b": 278.9758323851204, + "coord_origin": "BOTTOMLEFT" + }, + "charspan": [ + 0, + 100 + ] + } + ], + "orig": "In Witness Whereof, we have signed this policy below and hereby enter into this Insurance Agreement.", + "text": "In Witness Whereof, we have signed this policy below and hereby enter into this Insurance Agreement." + }, + { + "self_ref": "#/texts/627", + "parent": { + "$ref": "#/groups/77" + }, + "children": [], + "content_layer": "body", + "label": "caption", + "prov": [ + { + "page_no": 32, + 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b/examples/insurance-claims-agent/verified-run/raw/policy-rerank.json new file mode 100644 index 00000000..66907869 --- /dev/null +++ b/examples/insurance-claims-agent/verified-run/raw/policy-rerank.json @@ -0,0 +1,86 @@ +{ + "model": "BAAI/bge-reranker-v2-m3", + "scores": [ + { + "item_id": "13", + "score": 0.9503188729286194, + "rank": 0 + }, + { + "item_id": "23", + "score": 0.7388575673103333, + "rank": 1 + }, + { + "item_id": "6", + "score": 0.48630863428115845, + "rank": 2 + }, + { + "item_id": "18", + "score": 0.29108163714408875, + "rank": 3 + }, + { + "item_id": "4", + "score": 0.28587010502815247, + "rank": 4 + }, + { + "item_id": "14", + "score": 0.2581389248371124, + "rank": 5 + }, + { + "item_id": "3", + "score": 0.23528403043746948, + "rank": 6 + }, + { + "item_id": "2", + "score": 0.17781086266040802, + "rank": 7 + }, + { + "item_id": "1", + "score": 0.1475551724433899, + "rank": 8 + }, + { + "item_id": "11", + "score": 0.1200256198644638, + "rank": 9 + }, + { + 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Flood Loss\",\n \"appeal_summary\": {\n \"proof_of_loss_amount\": 182552.0,\n \"removal_estimate\": 49500.0,\n \"barge_estimate\": 181832.94,\n \"debris_cubic_yards_min\": 12,\n \"debris_cubic_yards_max\": 15\n },\n \"decision\": {\n \"covered_scope\": \"Labor and equipment usage to remove 12 to 15 cubic yards of flood-borne stones from underneath the insured building to the area around the perimeter of the building.\",\n \"excluded_scope\": \"Disposal costs, yard work, carting debris from the perimeter into a barge, barge transportation, handling, and disposal of non-owned debris.\",\n \"evidence_needed\": \"Additional evidence that the contractor's estimated dollar amount is limited strictly to the covered scope of work (labor and equipment under the building). The $3,564 per cubic yard quote requires validation against other estimates.\",\n \"prior_claim_check\": \"Verify documentation in the file for previous claims filed on May 20, 2019, May 29, 2019, and June 11, 2019, to ensure no payment overlap occurred for debris removal from the same area before the July 2019 event.\"\n },\n \"findings\": [\n {\n \"category\": \"covered_removal\",\n \"severity\": \"high\",\n \"title\": \"Coverage Confirmed for Under-Building Debris Removal\",\n \"evidence\": \"FEMA affirms SFIP covers the expense to remove non-owned flood debris on or in insured property, specifically labor and equipment usage to remove 12 to 15 cubic yards of stones from underneath the building to the perimeter.\",\n \"sources\": [\n \"appeal_decision\"\n ]\n },\n {\n \"category\": \"excluded_transport\",\n \"severity\": \"high\",\n \"title\": \"Exclusion of Yard Work and Transportation Costs\",\n \"evidence\": \"The SFIP does not cover the expense to dispose non-owned debris, nor does it cover increased costs to remove debris in the yard or transport it by barge for further handling and disposal.\",\n \"sources\": [\n \"appeal_decision\"\n ]\n },\n {\n \"category\": \"price_support\",\n \"severity\": \"medium\",\n \"title\": \"Requirement for Reasonable and Customary Pricing Evidence\",\n \"evidence\": \"The policyholder must provide proof of repairs and price from previous flood losses related to removing stones and debris from underneath the building to validate the quoted price of $3,564 per cubic yard.\",\n \"sources\": [\n \"appeal_decision\"\n ]\n },\n {\n \"category\": \"prior_claim_overlap\",\n \"severity\": \"high\",\n \"title\": \"Verification of Prior Debris Removal Payments\",\n \"evidence\": \"Policyholder has received payments for similar losses in May and June 2019; insurer must verify if debris removal for the same area was performed and paid for prior to the July 2019 flood event to prevent double payment.\",\n \"sources\": [\n \"appeal_decision\"\n ]\n }\n ],\n \"next_actions\": [\n \"Direct insurer to review proof of loss documentation packet for completeness regarding covered scope only.\",\n \"Require policyholder to submit additional debris removal estimates from different contractors to support the unit price.\",\n \"Instruct insurer to check claim files for May 20, May 29, and June 11, 2019 events to confirm no prior coverage for this specific debris removal task.\",\n \"Exclude all costs associated with barge transportation ($181,832.94) and yard disposal from any potential payment recommendation.\"\n ]\n}\n```", + "finish_reason": "stop", + "usage": { + "prompt_tokens": 5836, + "completion_tokens": 923, + "total_tokens": 6759 + } +} diff --git a/examples/insurance-claims-agent/verified-run/review.json b/examples/insurance-claims-agent/verified-run/review.json new file mode 100644 index 00000000..0985e848 --- /dev/null +++ b/examples/insurance-claims-agent/verified-run/review.json @@ -0,0 +1,61 @@ +{ + "route": "scope_review_required", + "headline": "FEMA Appeal Decision B8: Debris Removal Scope and Price Verification for July 2019 Flood Loss", + "appeal_summary": { + "proof_of_loss_amount": 182552.0, + "removal_estimate": 49500.0, + "barge_estimate": 181832.94, + "debris_cubic_yards_min": 12, + "debris_cubic_yards_max": 15 + }, + "decision": { + "covered_scope": "Labor and equipment usage to remove 12 to 15 cubic yards of flood-borne stones from underneath the insured building to the area around the perimeter of the building.", + "excluded_scope": "Disposal costs, yard work, carting debris from the perimeter into a barge, barge transportation, handling, and disposal of non-owned debris.", + "evidence_needed": "Additional evidence that the contractor's estimated dollar amount is limited strictly to the covered scope of work (labor and equipment under the building). The $3,564 per cubic yard quote requires validation against other estimates.", + "prior_claim_check": "Verify documentation in the file for previous claims filed on May 20, 2019, May 29, 2019, and June 11, 2019, to ensure no payment overlap occurred for debris removal from the same area before the July 2019 event." + }, + "findings": [ + { + "category": "covered_removal", + "severity": "high", + "title": "Coverage Confirmed for Under-Building Debris Removal", + "evidence": "FEMA affirms SFIP covers the expense to remove non-owned flood debris on or in insured property, specifically labor and equipment usage to remove 12 to 15 cubic yards of stones from underneath the building to the perimeter.", + "sources": [ + "appeal_decision" + ] + }, + { + "category": "excluded_transport", + "severity": "high", + "title": "Exclusion of Yard Work and Transportation Costs", + "evidence": "The SFIP does not cover the expense to dispose non-owned debris, nor does it cover increased costs to remove debris in the yard or transport it by barge for further handling and disposal.", + "sources": [ + "appeal_decision" + ] + }, + { + "category": "price_support", + "severity": "medium", + "title": "Requirement for Reasonable and Customary Pricing Evidence", + "evidence": "The policyholder must provide proof of repairs and price from previous flood losses related to removing stones and debris from underneath the building to validate the quoted price of $3,564 per cubic yard.", + "sources": [ + "appeal_decision" + ] + }, + { + "category": "prior_claim_overlap", + "severity": "high", + "title": "Verification of Prior Debris Removal Payments", + "evidence": "Policyholder has received payments for similar losses in May and June 2019; insurer must verify if debris removal for the same area was performed and paid for prior to the July 2019 flood event to prevent double payment.", + "sources": [ + "appeal_decision" + ] + } + ], + "next_actions": [ + "Direct insurer to review proof of loss documentation packet for completeness regarding covered scope only.", + "Require policyholder to submit additional debris removal estimates from different contractors to support the unit price.", + "Instruct insurer to check claim files for May 20, May 29, and June 11, 2019 events to confirm no prior coverage for this specific debris removal task.", + "Exclude all costs associated with barge transportation ($181,832.94) and yard disposal from any potential payment recommendation." + ] +} diff --git a/examples/insurance-claims-agent/verified-run/source-manifest.json b/examples/insurance-claims-agent/verified-run/source-manifest.json new file mode 100644 index 00000000..3df40c71 --- /dev/null +++ b/examples/insurance-claims-agent/verified-run/source-manifest.json @@ -0,0 +1,29 @@ +{ + "fetched_at": "2026-07-26T19:11:05.290899+00:00", + "sources": [ + { + "slug": "nfip-appeal-b8", + "title": "FEMA Flood Insurance Appeal Decision B8", + "file_name": "nfip-appeal-b8.pdf", + "url": "https://www.floodsmart.gov/sites/default/files/media/document/2022-12/B8_Direct%20Physical%20Loss_Proof%20of%20Loss_Overturn.pdf", + "source_page": "https://www.floodsmart.gov/flood-claim-memos/appeal-issue/direct-physical-loss/proof-loss", + "rights": "U.S. federal government work. Do not imply FEMA or DHS endorsement.", + "media_type": "application/pdf", + "retrieval": "publisher", + "bytes": 114918, + "sha256": "8a8e4f852caf8a91e2c88f9ff194c2232d4d331de465d8cad5eb1a0b50efb19a" + }, + { + "slug": "sfip-dwelling-policy", + "title": "Standard Flood Insurance Policy, Dwelling Form", + "file_name": "sfip-dwelling-policy.pdf", + "url": "https://www.fema.gov/sites/default/files/documents/fema_F-122-Dwelling-SFIP_2021.pdf", + "source_page": "https://www.fema.gov/flood-insurance/find-form/underwriting", + "rights": "U.S. federal government work. Do not imply FEMA or DHS endorsement.", + "media_type": "application/pdf", + "retrieval": "bundled-government-source", + "bytes": 393573, + "sha256": "4e91d6417cba13c18d4402083a0c02811da8264be6fcb8557c6afa4f8b6e2e74" + } + ] +}