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National Flood Insurance Program (Idaho)

4 credits

Course #: 6000138467

Introduction to NFIP

Definition of Flood
Other Important Definitions
National Flood Insurance Program
Who Needs Flood Insurance?
Flood Insurance vs. Disaster Assistance
Flood Insurance Policies
Buying Flood Insurance
Write Your Own (WYO) Program
Agent Resources

Community Eligibility

Participating Communities
Flood Maps
Probation
Suspension
Non-Participating Communities
Federal Land

Flood Maps, Zones, and Rating

Overview of Flood Maps
Rating
Grandfathering Rules
Pre-FIRM and Post-FIRM
Map Information
Communities with Unpublished Maps
Unmapped Areas in Communities with Maps
Map Zones: Special Flood Hazard Areas
Map Zones: Moderate, Minimal Hazard Areas

Standard Flood Policy

Dwelling Form
General Property Form
RCBAP Form

Flood Insurance Products

Mortgage Portfolio Protection Program
Scheduled Building Policy
Group Flood Insurance
Preferred Risk Policy (PRP)
Newly-Mapped-Rated Policy

Building Eligibility

Building Coverage
Eligible Buildings
Single Building
Walls
Determination of Building Occupancy
Primary Residence Determination

Contents Eligibility

Personal Property Coverage
Eligible Contents
Vehicles and Equipment
Farm and Commercial Contents

Other Eligible Risks

Cooperative Building
Units Within a Cooperative Building
Timeshare Building
Homeowners Association
Condominium Association

Ineligible Properties and Risks

CBRS and OPAs
Risks Not Insured
Section 1316 Properties
Container-Type Buildings
Buildings Entirely Over Water
Buildings Partially Underground
Examples of Ineligible Buildings
Examples of Ineligible Contents

Policy Effective Date

Standard 30-Day Waiting Period
Loan Transaction
Map Revision
RCBAP

Coverage

Limits of Coverage
Deductibles
Increased Cost of Compliance
Reduction of Coverage or Reformation
Loss Assessments
Tenant’s Coverage
Other Coverages

Miscellaneous Conditions

Policy Term
Application Submission
Delivery of the Policy
Evidence of Insurance
Assignment
Transfer of Business
Commissions (NFIP Direct Business)
Contract Agent Rule
Rebating of Commissions
Cancellations

Claims Handling

Claims Handbook
Insured’s Duties
Adjuster Contact
Assessing the Loss
Preparing a Detailed Estimate
Proof of Loss
Loss Settlement
Payment of Claims
Request for Additional Payment
ICC Claims
Appeals Process

Flood Insurance Legislation

Flood Insurance Reform Act of 2004
NFIP Debt
Recent Legislation
Phasing Out Subsidies
Refunds
Surcharges

Severe Repetitive Loss

Definition
The Problem
Future Projections

Potential Reform Actions

GAO Reform Areas
Outstanding Debt
Affordability
Consumer Participation
Other Barriers
NFIP Flood Resilience Efforts

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