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NFIP  Coverage Comparison as of December 31, 2000
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NFIP Coverage Comparison as of December 31, 2000

Comparison of the NFIP Dwelling Form, General Property Form and the RCBAP form

ITEM

DWELLING FORM

GEN. PROP. FORM

RCBAP

Additional Living Expenses

NO

NO

NO

Appurtenant Structures

YES; 10% of Building limit of liability can be applied to a qualifying detached garage at described location.

NO

NO

Awnings

ACV, if attached to bldg.

ACV, if attached to bldg.

ACV, if attached to bldg.

Building Fixtures

Listed

Listed

Listed

Carpeting

ACV; no overhead and profit

ACV; no overhead and profit

ACV; no overhead and profit

Construction Before Walled & Roofed

YES; two times the deductible

YES; two times the deductible

YES; two times the deductible

Debris Removal

YES

YES

YES

Decks

NO; limit of 16 sq. feet

NO; limit of 16 sq. feet

NO; limit of 16 sq. feet

Deductible

Applied separately to building and contents

Applied separately to building and contents

Applied separately to building and contents

Loss Avoidance Measures (Mitigation), Pre-Flood

Limited coverage, $1,000

Limited coverage, $1,000

Limited coverage, $1,000

Exterior Paint

YES

YES

YES

Fences

NO

NO

NO

Hot Tubs & Spas

YES, if they are bathroom fixtures

YES, if they are bathroom fixtures or stock

YES, if they are bathroom fixtures

Hurricane Shutters

YES

YES

YES

ICC

YES, except Emergency Program and Group Policy

YES, except Emergency Program

YES, except Emergency Program

Improvements & Betterments

YES; if tenant has personal property coverage, we cover cooking stove, range, and refrigerator. 10% of personal property coverage will cover other tenant-installed improvements.

10% of personal property coverage

Yes

Loss Assessments

YES

NO

NO

Loss of Rents

NO

NO

NO

Ordinance or Law

ICC only see Exclusion A.6

ICC only see Exclusion A.6.

ICC only see Exclusion A.6.

Pollutants

YES

YES, up to $10,000

YES

Power Failure

YES, if caused by flood on the described location

YES, if caused by flood on the described location

YES, if caused by flood on the described location

Replacement Cost, Building

YES, if insured to 80% of RC and insured lived at risk 80% of previous 365 days

NO

YES, with coinsurance provision

Replacement Cost, Personal Property

NO

NO

NO

Screened Porches

YES, unless below elevated floor (Post-FIRM)

YES

YES

Storage Sheds

NO

NO

NO

Stove & Refrigerator

Building ACV, if tenant’s contents

Building ACV, if tenant’s contents

Building ACV

Swimming Pools/Hot Tubs

NO

NO

NO

Temporary Repairs

NO

NO

NO

Trees

NO

NO

NO

Venetian Blinds

Building ACV

Building ACV

Building ACV

Walkways

NO

NO

NO


source: NFIP Claims Manual

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