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NFIP Dwelling Policy Form NFIP Dwelling Policy Form

NFIP Dwelling Policy Form

Updated 1/8/2026

Subject: Policy: NFIP Dwelling Form
Description: Quote from FEMA;

The Dwelling Policy Form may be issued to homeowners, residential renters and condominium unit-owners, owners of residential buildings containing two to four units.

In communities participating in the NFIP Regular Program* or Emergency Program** the dwelling policy provides building and/or contents coverage for:

  • Detached, single-family, non-condominium residence with incidental occupancy limited to less than 50% of the total floor area;
  • Two- to four- family, non-condominium building with incidental occupancy limited to less than 25% of the total floor area;
  • Dwelling unit in residential condominium building;
  • Residential townhouse/rowhouse
  • Manufactured mobile homes
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NFIP General Property Policy NFIP General Property Policy

NFIP General Property Policy

Updated 1/8/2026

The General Property Form’s effective date is Oct. 1, 2021. All NFIP claims reported on or after this date will be reviewed, coverage interpreted and adjusted using this policy form. The General Property Policy Form is issued to owners of residential buildings with five or more units, and to owners or lessees of non-residential buildings or units.

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NFIP Residential Condominium Building Association Policy (RCBAP) NFIP Residential Condominium Building Association Policy (RCBAP)

NFIP Residential Condominium Building Association Policy (RCBAP)

A. Coverage A—Building Property
We insure against direct physical loss by or from flood to:
1. The residential condominium building described on   the Declarations Page at the described location,including all units within the building and the improvements within the units.
2. We also insure such building property for a  (Excerpt from the Policy)

 

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CEA Renters Policy

California Earthquake Authority Renters Policy

Subject: CEA Renters Policy
Description: California Earthquake Authority Renters Policy
Current Edition: BEQ-4B (01-2016 edition)

Excerpt;
This policy is issued by the California Earthquake Authority (CEA), a public instrumentality of the State of
California established and authorized by law to transact insurance in California as necessary to sell policies of basic residential earthquake insurance.

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CEA Homeowners Policy

Info from the CEA website

With a CEA homeowners earthquake insurance policy, you can choose the coverages and deductibles you need. We offer two policies for homeowners:

 

  1. Homeowne​rs Choice offers coverage for your house, building code upgrades and emergency repairs. We also offer optional personal property coverage for your belongings, and loss of use, which can pay for additional living expenses if you have to live elsewhere due to earthquake damage. Homeowners Choice is flexible—you choose the coverages and options you need.
  2. Standard Homeowners bundles all of the coverages we offer into one package: home, personal property, building code upgrades, the additional costs to live elsewhere due to earthquake damage (Loss of Use), and emergency repairs.
     

 

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

NFIP Coverage Comparison as of December 31, 2000

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

This chart shows provides a coverage comparison of the following NFIP policies. 

The Three Policy Forms 
There are three policy forms – Dwelling Form, the General Property Form, and the 
Residential Condominium Building Association Policy. Each is used to insure a different type 
of property. All, however, contain certain terms and condition (e.g., Mortgage Clause, 
Reformation of Coverage) that are unique to flood insurance.
 

source: NFIP

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FAQ

Listed below are some links to other blog post and articles on other sites.

Dimechimes ClaimSmentor Adjuster Information Blog 
 Organization Chart for the Claims Handling Blame Game- A Humorous Graph -A Serious Look at Claim Bad Faith Issues
 On the page the above link takes you to you will find links to some of her other articles at the end of the above article.
  

WHAT MAKES A GREAT CAT ADJUSTER?
Article written by John Postava
On the Ryze Claim Solutions webite

You can find additional post from John and Dimechimes in the CADO forums, they have made many post over the years contributing to the community by sharing their knowledge and experiance.

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