NATIONAL FLOOD INSURANCE PROGRAM TRANSACTION RECORD REPORTING AND PROCESSING (TRRP) PLAN for the WRITE YOUR OWN (WYO) PROGRAM Revision 1.......................January 1, 1992 Revision 2.........................March 1, 1995 Revision 3.......................October 1, 1997 Revision 4.......................October 1, 2001 Changes 1 & 2......................May 1, 2002 Change 3......................October 1, 2002 Change 4..........................May 1, 2003 Change 5......................October 1, 2003 Change 6..........................May 1, 2004 Change 6.1...................February 1, 2005 Change 7..........................May 1, 2005 Change 7 (Revised)................May 1, 2005 Change 8......................October 1, 2005 Change 8.1....................October 1, 2005 Change 9..........................May 1, 2006 DISSEMINATION CHANGES TO THE TRRP PLAN Complete printings are called "Revisions" and replacement pagesare called "Changes." All pages of the present revision aremarked to show both the edition of the manual (“Revision 4”) andalso the effective dates of the policies and proceduresdescribed. For example, pages that include material effective 5/1/98 in thepresent revision are identified as: Revision 4 (10/1/01) Effective 5/1/98 As replacement pages are issued in the future, they will belabeled Change 1, Change 2, Change 3, etc. The next time a complete document is published, it will be Revision 5. This page is intentionally left blank. ii Revision 4 (10/1/01) Effective 10/1/03 TRANSACTION RECORD REPORTING AND PROCESSING (TRRP) PLAN TABLE OF CONTENTS PART PAGE 1 INSTRUCTIONS..........................................1-1 2 NFIP/WYO SYSTEM FUNCTIONS AND PRIMARY DATA FILES......2-1 3 REPORTING REQUIREMENTS................................3-1 4 DATA DICTIONARY.......................................4-1 5 CODES.................................................5-1 6 RECORD LAYOUTS........................................6-1 7 INSTRUCTIONS FOR FORMATTING DATA ELEMENTS AND REVISING DATA ELEMENT VALUES..........................7-1 8 MONTHLY PROCESSING OF TRRP PLAN DATA..................8-1 9 DATA SUBMISSION MONITORING............................9-1 10 NFIP/WYO SYSTEM ARCHIVING............................10-1 APPENDIX A TRANSACTION PROCESSING DICTIONARY APPENDIX B COMMUNITY INFORMATION APPENDIX C ERROR REPORTING APPENDIX D NFIP/WYO SYSTEM DATA DICTIONARYAPPENDIX E QUICK CLAIM REPORTINGAPPENDIX F REPETITIVE LOSS TARGET GROUP POLICIES APPENDIX G.INSPECTION PROCEDURE APPENDIX H.CONDOMINIUM INSPECTION PROGRAM NOTE: In addition to the TRRP Plan, the following resource documents are available to assist in understanding the WYOProgram requirements: • WYO Edit Specifications • Financial Control Plan Requirements and Procedures • Accounting Procedures Manual • Accounting Training Manual • NFIP Flood Insurance Manual • Operational Overview • Financial Assistance/Subsidy Arrangement To obtain copies of these documents and/or obtainadditional information/clarification of Programrequirements, contact your WYO Program Coordinator. iii Revision 4 (10/1/01) Change 7 Effective 5/1/05 PART 1 - INSTRUCTIONS TABLE OF CONTENTS Page INTRODUCTION................................................ 1-1 I. SCOPE OF THE PLAN..................................... 1-1 A. Background Information............................ 1-1 B. Purposes of the Plan.............................. 1-1 C. Recording of Data................................. 1-2 D. Data Record Keys - WYO Prefix Code, PolicyNumbers, and Claim Numbers........................ 1-2 E. Special Data Requirements......................... 1-2 1. Insured Property Address...................... 1-2 2. Insured Mailing Address....................... 1-2 3. Identification of Policyholder................ 1-3 4. Special Loss Information...................... 1-3 F. Reporting Transactions............................ 1-3 G. Data Quality and Financial Reconciliation......... 1-3 II. GENERAL INFORMATION................................... 1-4 A. Coverages......................................... 1-4 B. Premiums.......................................... 1-4 C. Minimum Premium................................... 1-4 D. Expense Constant.................................. 1-5 E. Amounts of Insurance.............................. 1-5 F. Policy Term....................................... 1-5 G. Catastrophe Losses................................ 1-5 H. Deductible Amount................................. 1-5 I. Geographical Division: Community Number, FloodRisk Zone......................................... 1-5 Part 1 1-i Revision 4 (10/1/01) Change 8 Effective 10/1/05 PART 1 - INSTRUCTIONS Table of Contents (Cont’d.) Page J. Classification.................................... 1-5 1. Building Occupancy............................ 1-6 2. Building Type................................. 1-6 3. Basement...................................... 1-6 4. Special Ownership Type........................ 1-6 5. Special Building Status Type.................. 1-6 6. Elevated Building Class....................... 1-6 7. Lowest Floor Elevation Relative to the Base Flood Elevation or Base Flood Depth........... 1-7 8. Special Certifications........................ 1-7 9. Program Status................................ 1-7 K. Effective Dates and Expiration Dates.............. 1-7 L. Changes in Policies by Endorsement................ 1-8 M. Adjustments....................................... 1-8 N. Accounting Date (WYO Transaction Date)............ 1-8 III. SPECIAL DEFINITIONS................................... 1-8 A. Number of Claims.................................. 1-8 B. Losses............................................ 1-9 C. Allocated Loss Adjustment Expenses................ 1-9 D. Unallocated Loss Adjustment Expenses............. 1-10 E. Deductible Amounts............................... 1-10 F. Amounts of Insurance............................. 1-11 G. Policies-In-Force Statistics..................... 1-11 Part 1 1-ii Revision 4 (10/1/01) Change 7 Effective 5/1/05 PART 1 - INSTRUCTIONS INTRODUCTION This section presents an overview of the TRRP Plan and therequirements for reporting financial and statistical informationby WYO Companies. For assistance on utilizing this document andunderstanding/complying with the specifications, contact your WYOProgram Coordinator. I. SCOPE OF THE PLAN A. Background Information The TRRP Plan defines the reporting requirementsapplicable to the writing and servicing of policiesissued by the property and casualty companiesparticipating in the Write Your Own (WYO) Program. The WYO companies have a Financial Assistance/SubsidyArrangement with the Federal Insurance and MitigationAdministration (FIMA). The "Arrangement" enables thecompanies to receive an expense allowance for policieswritten and claims processed while the FederalGovernment retains responsibility for underwritinglosses. The WYO Program operates within the auspicesof the National Flood Insurance Program (NFIP). As a result, the WYO Program is subject to the same rulesand regulations established for the "Direct side" ofthe business. The federally promulgated operationalstandards govern the processing of the coveragesincluded in the three forms of the NFIP’s Standard Flood Insurance Policy (Dwelling Form, General PropertyForm, and Residential Condominium Building AssociationPolicy). This Plan contains detailed specifications for therecording and compiling of insurance application data; Elevation Certificate data; recertification data; reinspection data; endorsements; cancellations; claimsdata; allocated loss adjustment expenses; and communityflood insurance study data. B. Purposes of the Plan This Plan is primarily designed as a tool formaintaining financial and program control in the WYOProgram. Transaction detail provided under the Plan isreconciled each month with monthly financial statementssubmitted by the companies. The information is used to create Policy and Claims Master Files in the NFIP/WYOSystem, which allows the System to relationally editpolicy and claims information for conformance with NFIPrules and regulations and to verify that premiumcalculations are correct. The NFIP/WYO System datafiles provide Federal and WYO company managers and theWYO Standards Committee with information necessary to Part 1 1-1 Revision 4 (10/1/01) Effective 10/1/03 maintain control of the WYO Program and to monitorcompany performance under the Financial Control Plan. These data are used to direct Federal resources to problem areas and respond to data requests fromCongress, GAO, state, and local government officials, and other Federal agencies. Information submitted under this Plan and processed tothe NFIP/WYO System is also fed into the NFIP'sActuarial Information System. This system is used forcompiling and analyzing the insurance experience foractuarial and other risk assessment and loss reduction research purposes. C. Recording of Data The WYO company must adopt the requirements outlined inthis Plan to ensure accuracy in the recording andcompilation of data. Every reporting unit shall recordits data, in the detail required, on forms or othermedia approved for such reporting. D. Data Record Keys - WYO Prefix Code, Policy Numbers, andClaim Numbers All insurance policy information reported under thisPlan will be recorded in and retrievable from the NFIP/WYO System by: (1) the company's WYO Prefix Code(NAIC number) and (2) the company policy identificationnumber or the claim number in the case of a loss transaction. The claim number used in the NFIP/WYOSystem is the policy number suffixed by the date ofloss. E. Special Data Requirements 1. Insured Property Address This information is required on each issued policyso that the NFIP can maintain loss histories byproperty location for underwriting and riskassessment purposes. These data also make it possible to develop risk directories pertinent torating information, thus reducing the necessity ofreferring to the Flood Insurance Rate Maps whenrating a policy. 2. Insured Mailing Address This information is required on any new business, renewal, or reinstatement submitted after September30, 2005. The data will be added to an NFIP mailing address database to be used in the mailingof the acknowledgement letter/property loss historyinformation and the claims handbook to NFIP Part 1 1-2 Revision 4 (10/1/01) Change 8 Effective 10/1/05 policyholders. Part 1 1-3 Revision 4 (10/1/01) Change 8 Effective 10/1/05 3. Identification of Policyholder This Plan requires, for each policy, the submissionof the insured's name on policies effective on orafter April 30, 1996. The submission of theinsured’s taxpayer identification number will berequired on policies, designated as receivingdisaster assistance, with an original new businessdate on or after May 1, 2006. Otherwise, thereporting of the taxpayer identification number isoptional. The identification of the policyholder isused to prevent duplication of benefits between theNFIP and other Federal programs and to satisfyother Federal legal requirements. 4. Special Loss Information In addition to loss payment data, the submission ofinformation concerning amounts of damage (asopposed to payment), property value, and depths ofwater experienced in the building during the lossare required. This information is pertinent to theNFIP's models used to compute insurance rates. It also contributes to the important floodplainmanagement research efforts and in assessing lossreduction and prevention alternatives. F. Reporting Transactions The transactions available in this Plan for reportingby WYO companies have been developed to accommodate theprocessing and detailed editing needs of the NFIP inusing the information for financial and program controlpurposes and to accommodate, as well, processingconsiderations of the various systems used by companiesto record and report the data. Companies will findthat there are certain flexibilities in how the transactions can be used and that a company may notneed to employ all the available transaction types. Information about the use of the reporting transactionsis contained in Appendix A. G. Data Quality and Financial Reconciliation Part 2 of the WYO Financial Control Plan Requirementsand Procedures contains critical information about the reconciliation of policy and claim data submitted underthis Plan with the monthly financial reports and abouthow this Plan's data will be edited. The WYO Edit Specifications document is also necessary in order tohave a complete understanding of reporting requirements. Because of the need for timely financial reconciliation, transactions submitted under this Plan are rejected fromthe NFIP/WYO System only when money fields cannot beread or when it is unclear how the System can processthe transaction. Otherwise, the information is posted tothe data base and erred data elements are flagged forlater correction. Part 1 1-3 Revision 4 (10/1/01) Change 9 Effective 5/1/06 II. GENERAL INFORMATION The following information indicates how data will berecorded and treated in the NFIP/WYO System. A. Coverages The experience is recorded on the basis of: 1. Building Coverage 2. Contents Coverage 3. Increased Cost of Compliance (ICC) Coverage ICC coverage is afforded under the Standard FloodInsurance Policy for the increased cost to rebuild, or otherwise alter, a flood-damaged structure tobring it into conformance with State or localfloodplain management ordinances or laws. B. Premiums Premium writings will be recorded in the NFIP/WYOSystem in complete policy detail. Therefore, aseparate premium entry will be calculated by theNFIP/WYO System for basic limits and additional limits for each coverage. Total Calculated Premium (or Total Prepaid Premium) will include the Increased Cost of Compliance (ICC) premium. The ICC premium is not subject to deductiblefactors, but the CRS discount will apply. ICC coverageis not available, and therefore not charged, on thefollowing four categories of business: - Policies in Emergency Program communities - Individual condominium unit owner coverage writtenunder the Dwelling Form - Contents-only policies - Group Flood Insurance policies Only the total written premium including ExpenseConstant, ICC premium, and, if appropriate, communityprobation surcharge must be reported by the WYOcompany. C. Minimum Premium When a minimum premium is charged, only the totalwritten premium indicated under (B) above must beentered into the policy record reported by the WYOcompany. Part 1 1-4 Revision 4 (10/1/01) Change 7 Effective 5/1/05 D. Expense Constant The Expense Constant in effect as of the effective dateof the policy term is to be included in the writtenpremium on a per policy basis. Effective May 1, 2003, the Expense Constant will be zero dollars. E. Amounts of Insurance Total amounts of insurance must be reported for each ofthe three coverages separately (building, contents, andICC). The basic limits and additional limits for building and contents, and the ICC coverage limit, willbe determined and recorded separately by the NFIP/WYOSystem. F. Policy Term WYO companies may offer a 1-year policy term. The policy term is to be recorded on a per-policy basisaccording to the policy effective date. No mid-term endorsement of the policy can change the policy term. G. Catastrophe Losses Under the NFIP, there are at present two catastrophedesignations. These are: 1. FICO designation 2. FEMA Disaster Declaration Each loss shall be identified by the proper catastrophedesignation, when applicable, in addition to otherrecording requirements. WYO companies will report onlythe FICO designation that is provided to them. H. Deductible Amount Each policy must be identified by the appropriatedeductible amount applicable to the insurance policy. I. Geographical Division: Community Number, Flood RiskZone The appropriate coding shall be recorded on all policytransactions. Information regarding a community'sstatus in the NFIP and valid flood risk zones is provided to WYO companies. J. Classification The appropriate classification data shall be recordedon all policy transactions. The classification data are to be reported unless the data element is Part 1 1-5 Revision 4 (10/1/01) Change 4 Effective 10/1/03 designated as optional (N) or is not listed in Part 3, Section A, of this Plan. The classification criteria under the NFIP are: 1. Building Occupancy a. Single family b. 2-4 family c. Other residential d. Nonresidential 2. Building Type a. One floor b. Two floors c. Three or more floors d. Split level e. Manufactured (mobile) home or travel trailer onfoundation f. Townhouse/Rowhouse with three or more floors(RCBAP Low-rise only) 3. Basement/Enclosure Type a. Finished basement b. Unfinished basement c. None 4. Special Ownership Type a. Condominiums - unit or association b. State government 5. Special Building Status Type a. Building in course of construction b. Principal residence 6. Construction Type (combinations are possible) a. Free of obstruction underneath elevated lowest floor b. With obstruction: less than 300 sq. ft. withbreakaway walls underneath the lowest elevatedfloor c. With obstruction: 300 sq. ft. or more withbreakaway walls underneath the lowest elevatedfloor d. With obstruction: machinery or equipmentattached to the building and located underneaththe lowest elevated floor Part 1 1-6 Revision 4 (10/1/01) Change 7 Effective 5/1/05 e. Nonbreakaway walls f. With obstruction underneath lowest elevated floor g. With obstruction: enclosure/crawlspace withproper openings not used in rating (notapplicable in V zones) 7. Lowest Floor Elevation Relative to the Base Flood Elevation or Base Flood Depth This information is recorded as: a. Lowest Floor Elevation (LFE) b. Base Flood Elevation (BFE) c. Lowest Adjacent Grade (LAG) d. LFE Elevation Difference to BFE or BFD 8. Special Certifications a. Floodproofing certification b. Elevation certification - FEMA form or equivalent documentation c. Other elevation certificates d. V-Zone Risk Factor Rating Form - FEMA 81-25 e. Unnumbered V Zone Certification to standards of CFR 44, Sec. 60.3(e) (4) f. Coastal Barrier Resources Act (CBRA) 9. Program Status a. Emergency Program – Post-September 30, 1982, Construction b. Emergency Program - All other c. Pre-FIRM Regular Program d. V-Zone 1975-81 Post-FIRM Regular Program e. V-Zone 1981 Post-FIRM Regular Program f. Other Post-FIRM Regular Program K. Effective Dates and Expiration Dates On premium entries for new business and renewals, thepolicy effective and expiration dates shall berecorded. Part 1 1-7 Revision 4 (10/1/01) Change 7 Effective 5/1/05 On endorsements changing premiums, amounts ofinsurance, previously recorded policy classification, and/or geographical division information, the policyeffective date, policy expiration date, and effectivedate of change must be reported. L. Changes in Policies by Endorsement Changes to the policy records can be made byendorsement. Each endorsement must bear the effective date of the policy and the effective date of thechange, as well as the transaction date to facilitatethe assignment of exposure, amount of insurance, premium and loss to the proper classification, riskzone, community, and program type in the NFIP ActuarialInformation System. This level of detail allows for reconciliation with WYO company financial reports forfinancial control purposes. M. Adjustments Adjustment of errors in the original entries reportedare to be made by the use of the appropriate correctiontransaction or in some cases by the use of a differenttransaction type. The NFIP/WYO System requires that all adjustments tothe policy and claims record be reconciled. Specialcare must be given to ensure changes to classification, geographical division, premiums, amount of insurance, and all claims-related data elements are processedcorrectly as they have a direct bearing on theinformation used to maintain financial control of the WYO Program. N. Accounting Date (WYO Transaction Date) The date on which a policy, loss, or loss adjustmentrelated transaction was recorded on the books of the insurer shall be recorded to facilitate the updating ofexperience compilations. III.SPECIAL DEFINITIONS A. Number of Claims In the NFIP, cases, claims, and closed without paymentsare counted by coverage. The number of losses arecounted by policy. Thus, up to three cases, claims, orclosed without payments (one for each of the building, contents, and ICC coverages) may be associated with onepolicyholder loss. Each loss under a policy isidentified in this Plan by a date of loss. Part 1 1-8 Revision 4 (10/1/01) Effective 10/1/03 A case is established by the recording of a loss noticefor loss reserve purposes. Reserves are established bycoverage. One loss notice can establish up to twocases. A case involving a loss payment or the establishment ofa reserve is counted as a claim. No case shall be counted as a claim if it involves only loss adjustmentexpenses. A closed without payment is counted as a case, but isnot counted as a claim. A claim on which more than one payment is made shall becounted only once. B. Losses The term "number of losses" refers to the number of loss occurrences. These are identified by a date ofloss associated with a policy. The term "losses" refers to claims payments and/or reserves less amountsrecovered. The status of a loss is either “paid” or “pending” under the NFIP System. Losses on claims on which final payments have been madeare in a paid status. Losses on claims on which a case reserve has been established and no payment has been made are in apending status. Losses on claims part paid and part on reserve are in apending status. C. Allocated Loss Adjustment Expenses Allocated loss adjustment expenses under the NFIP are: 1. Fees paid pursuant to the Arrangement for adjustingthe loss on a specific case. (No transactionreport is required.) 2. Special engineering expenses incurred by the claimsdepartment to adjust a specific case. (Specialallocated loss adjustment transaction is required.) 3. Other special costs incurred to establish coverageor property value on a specific case or tofacilitate the adjustment including litigationexpense on cases coordinated with FIMA. (Specialallocated loss adjustment transaction is required.) Part 1 1-9 Revision 4 (10/1/01) Effective 10/1/03 4. Legal expenses. (Special allocated loss adjustmenttransaction is required.) 5. Costs of appraisals under the Standard FloodInsurance Policy. (Special allocated loss adjustmenttransaction is required.) The following shall not be included as allocated lossadjustment expenses: 1. Salaries and other operating expenses of the claimsdepartment, FICO offices, or catastrophe office. 2. Overhead. 3. Subrogation expense other than types of expenseslisted under 2, 3, 4, and 5 above. 4. Cost of loss adjuster training or workshops. D. Unallocated Loss Adjustment Expenses Unallocated loss adjustment expenses are those expenses, other than allocated loss adjustment expenses, incurredin providing claims service to policyholders. Under the Arrangement, these expenses are a specific percentage ofincurred losses. E. Deductible Amounts Under the NFIP, standard and optional deductible amountsare applied separately to building and contentscoverages. For specific information about deductibleamounts, refer to either the Flood Insurance Manual orthe deductible definitions in this Plan. Also, for claims associated with policies effective priorto January 1, 1987, a special deductible amount of $50 isapplied to reasonable expenses incurred, pursuant to theStandard Flood Insurance Policy, for the temporaryremoval of an insured manufactured home or insured personal property from the described premises and awayfrom the peril of flood. For policies effective on orafter January 1, 1987, no deductible is applied to theseexpenses. Effective 12/31/2000, Property Removed to Safety Coverage will pay up to $1,000 for the temporary removal of a travel trailer without wheels, built on a chassis and affixed to a permanent foundation, that is considered a building by the community’s floodplain management and building ordinances or laws. The policy will pay up to $1,000, including the value of work, at the Federal minimum wage, performed by the insured or household members, for the reasonable expenses to move insured Part 1 1-10 Revision 4 (10/1/01) Effective 10/1/03 property, including contents and/or a moveable home, to alocation above ground level or outside the SFHA. The move must be to protect the property from flood or theimminent danger of flood. This coverage does notincrease the Coverage A or Coverage B Limit of Liability. F. Amounts of Insurance The basic and additional limits of insurance as of May 1,2000, are listed below: Basic Additional Building Coverage LimitsLimits Total Single Family $ 50,000 $200,000 $250,0002-4 Family $ 50,000 $200,000 $250,000Other Residential $150,000 $100,000 $250,000Nonresidential $150,000 $350,000 $500,000 The Residential Condominium Building Association Policyhas coverage available for the entire building not toexceed the single family unit amount for total coveragetimes the total number of units. Effective May 1, 2003, Increased Cost of Compliance (ICC) coverage is $30,000 on all policies that have buildingcoverage except for Emergency Program policies, GroupFlood Insurance policies, and condominium unit policies. Contents Coverage (Per Unit) Residential $ 20,000 $ 80,000 $100,000Nonresidential $ 130,000 $370,000 $500,000 For details on the amount of insurance required bystatute, the maximum amount of insurance available, andsubsidized amounts of insurance, refer to the FloodInsurance Manual of the NFIP. G. Policies-In-Force Statistics An in-force policy is a policy that is in force or in anactive term as of the reporting date. A policy term isdefined as the period from the policy effective date to, but not including, the policy expiration date. Any future-dated new applications, or endorsements, willnot be included with the in-force statistics. Any cancelled or expired policy (including a policy'sexpiration date) is considered a policy not in force. Premium reporting for 3-year policies will include theentire 3-year premium. Statistics on this basis will belabeled "Policies-in-Force." This will apply to GroupFlood policies. Part 1 1-11 Revision 4 (10/1/01) Change 7 Effective 5/1/05 PART 2 - NFIP/WYO SYSTEM FUNCTIONS AND PRIMARY DATA FILES TABLE OF CONTENTS Page INTRODUCTION................................................ 2-1 I. PRIMARY DATA FILES.................................... 2-1 A. WYO PMF - Policy Master File (WYO)................ 2-1 B. WYO CMF - Claims Master File (WYO)................ 2-1 C. COMF - Community Master File...................... 2-1 D. RMF - Reject Master File.......................... 2-1 E. RTMF - Rates Master File.......................... 2-1 II. NFIP/WYO SYSTEM PROCESSING CYCLE...................... 2-2 III. DESCRIPTIONS OF NFIP/WYO SYSTEM POLICY AND CLAIMS RECORDS............................................... 2-3 Part 2 2-i Revision 4 (10/1/01) Effective 10/1/03 PART 2 - NFIP/WYO SYSTEM FUNCTIONS AND PRIMARY DATA FILES LIST OF EXHIBITS Exhibit Page 2-1 NFIP/WYO Policy Master File........................ 2-4 2-2 NFIP/WYO Claims Master File........................ 2-5 Part 2 2-ii Revision 4 (10/1/01) Effective 10/1/03 PART 2 - NFIP/WYO SYSTEM FUNCTIONS AND PRIMARY DATA FILES INTRODUCTION This section briefly describes the functions of the NFIP/WYOSystem, which processes and maintains the data submitted underthe TRRP Plan, and the computer data files used to store the dataand carry out system functions pertinent to the WYO Program. I. PRIMARY DATA FILES A. WYO PMF: Policy Master File (WYO) - Data are recorded from monthly WYO company TRRP Plansubmissions. Primary key to records is WYOPrefix Code and Policy Number. Secondary keyis Endorsement (or Policy) Effective Date. The records also contain data calculated bythe NFIP/WYO System and error codes resultingfrom the editing of the transactionssubmitted by the company and of the datarecorded in the PMF record. B. WYO CMF: Claims Master File (WYO) - Data are recorded from monthly WYO company TRRP Plansubmissions. Primary key is WYO Prefix Code, Date of Loss, and Policy Number. Secondarykey is Payment Date. The records also contain data calculated by the NFIP/WYOSystem and error codes resulting from theediting of the transactions submitted by thecompany and of the data recorded in the CMFand related PMF records. C. COMF: Community Master File - Data are recorded from FEMA notices on community status andapplicable flood risk zones. Data in this file are used to edit WYO companysubmissions, and to provide companies withcommunity information necessary to carry outProgram responsibilities. See Appendix B. D. RMF: Reject Master File - "A" record transactions that have been rejected during systemprocessing are recorded in this file forlater resolution by the company. See Appendix A. E. RTMF: Rates Master File - This file contains all rates used by the System to verify companycalculations of premium amounts. Rates are stored by unique keys developed to representthe various possible combinations of ratingelements. Part 2 2-1 Revision 4 (10/1/01) Effective 10/1/03 II. NFIP/WYO SYSTEM PROCESSING CYCLE In order to facilitate company understanding of how theNFIP/WYO System processes data submitted under the TRRPPlan, the following overview of the monthly processing cycleis provided. (NOTE: "A" records contain those data elements that are required for the transaction except wherenoted. "B" records are optional data elements.) Step 1: Front-end balancing. Submitted TRRP transaction files are examined to make sure that record counts and appropriate dollar amounts match theinformation as stated on the FTP transmittal documents. Discrepancies will cause thetransaction file to be rejected. Refer to Part 8 of the TRRP Plan and Part 2 of the Financial Control Plan Requirements and Procedures. Front- end balancing results and other financial totalsfrom the submitted transactions are provided toNFIP Accounting. Step 2: Reformatting and pre-processing. All policy andclaims transactions are sorted by the followingsort order: Policy Number, Transaction Date, SortSequence Key, Transaction Code, all in ascendingorder. "B" records may be rejected at this pointindependently of what happens to the corresponding"A" records. Rejected "A" records are loaded intothe Reject Master File. Basic editing isperformed, such as checking that key data elementsare present, numeric fields contain only numericdata, and date fields contain valid dates. Step 3: Load policy transactions. WYO Policy Master Fileis updated. Relational edits are performed priorto the update where incoming information must becoordinated with information already on file. The last rejections of policy transactions occur atthis point. Rejected "A" records are loaded intothe Reject Master File. Step 4: Load claims transactions. All claims transactions are sorted by the following sort order: Date of Loss, in descending order; and Policy Number, SortSequence Key, Transaction Date, and TransactionCode, all in ascending order. The WYO Claims Master File is updated. Relational edits are performed prior to the update where incominginformation must be coordinated with information already on file. The last rejections of claimstransactions occur at this point. Rejected "A" records are loaded into the Reject Master File. Part 2 2-2 Revision 4 (10/1/01) Change 5 Effective 10/1/03 Step 5: Edit processor programs. All remaininginformational and relational edits are performedagainst the policy and claims records on theNFIP/WYO data base. Step 6: Rate policies. All policy records that have beenupdated and have no errors associated withinformation required to calculate premiums arerated. This is performed for all terms on recordfor such policies. Errors associated with premiumcalculations are noted on the file. Step 7: Process "Change Key" transactions. All transactions that alter key data fields areprocessed. These include: policy number, date ofloss, and claim payment date. Step 8: Produce reports and error files. Monthly, historical-to-date, and fiscal-year-to-datefinancial reconciliation and variance reports aregenerated from data loaded to the NFIP/WYO MasterFiles. These are provided to NFIP Accounting. Error files, error reports, and managementinformation reports are generated. III.DESCRIPTIONS OF NFIP/WYO SYSTEM POLICY AND CLAIMS RECORDS The following diagrams show how the policy and claims datasubmitted by the companies are stored in the Policy andClaims Master Files of the NFIP/WYO System. Part 2 2-3 Revision 4 (10/1/01) Change 6 Effective 5/1/04 III. DESCRIPTIONS OF NFIP/WYO SYSTEM POLICY AND CLAIMS RECORDS(Cont'd.) NFIP/WYO POLICY MASTER FILE COMPANY NUMBERS POLICY NUMBER, PROPERTY ADDRESS, CANCELLATION INFORMATION ENDORSEMENT EFFECTIVE DATE, POLICY EFFECTIVE DATE, TRANSACTION CODE, POLICY INFORMATION CLAIMS DATA ON NFIP/WYO CLAIMS MASTER FILE ERROR CODES EXHIBIT 2-1. NFIP/WYO Policy Master File Part 2 2-4 Revision 4 (10/1/01) Effective 10/1/03 III. DESCRIPTIONS OF NFIP/WYO SYSTEM POLICY AND CLAIMS RECORDS(Cont'd.) NFIP/WYO CLAIMS MASTER FILE ERROR CODES REPORTING MONTH COMPANY NUMBERS POLICY DATA ON NFIP/WYO POLICY MASTER FILE DATE OF LOSS, POLICY NUMBER, CLAIMS DATA SP. EXPENSE DATE, SP. EXPENSE TYPE, SP. EXPENSE AMT. RESERVE DATE, BLDG. RESERVE, CONT RESERVE RECOVERY DATE, BLDG. RECOVERY, CONT. RECOVERY, SALVAGE SUBROGATION PAYMENT DATE, BLDG. PAYMENT, CONT. PAYMENT EXHIBIT 2-2. NFIP/WYO Claims Master File Part 2 2-5 Revision 4 (10/1/01) Effective 10/1/03 PART 3 - REPORTING REQUIREMENTS TABLE OF CONTENTS Page INTRODUCTION................................................ 3-1 I. DATA ELEMENT REQUIREMENTS FOR WRITE YOUR OWN.......... 3-2 II. SAMPLE NFIP FORMS.................................... 3-11 III. REPORTING REQUIREMENTS FOR NEW/ROLLOVER INDICATOR.... 3-17 Part 3 3-i Revision 4 (10/1/01) Change 7 Effective 5/1/05 PART 3 - REPORTING REQUIREMENTS LIST OF EXHIBITS Exhibit Page 3-1 Flood Insurance Application ....................... 3-11 3-2 Preferred Risk Policy Application ................. 3-12 3-3 NFIP Preliminary Report ........................... 3-13 3-4 NFIP Final Report..................................3-14 3-5 Cause of Loss and Subrogation Report...............3-15 3-6 NFIP Narrative Report..............................3-16 Part 3 3-ii Revision 4 (10/1/01) Effective 10/1/03 PART 3 - REPORTING REQUIREMENTS INTRODUCTION This section lists the data elements to be recorded and reported by WYO insurers. The list identifies the data element and the primary source and indicates whether thereporting is required (Y) or optional (N). Additionally, samples of the following NFIP application and claimforms are included to show the sources of the data elements: • Flood Insurance Application • Flood Insurance Preferred Risk Policy Application • Preliminary Report • Final Report • Cause of Loss and Subrogation Report • Narrative Report WYO Companies are authorized to develop their own application andclaim forms as long as the required data elements are reported. Part 3 3-1 Revision 4 (10/1/01) Effective 10/1/03 I. DATA ELEMENT REQUIREMENTS FOR WRITE YOUR OWN DATA DICTIONARY DATA ELEMENT REQ. PAGE SOURCE POLICY TRANSACTIONS Additional Building RateWYO Additional Contents Rate WYO Base Flood Elevation Basement/Enclosure Type Basic Building Rate WYO Basic Contents Rate WYO Building in Course of Construction Indicator Cancellation/VoidanceReason Community Identification Number Condominium Indicator Condominium Master Policy Units Coverage Required for Disaster Assistance CRS Classification Credit Percentage Deductible-Building Deductible-Contents Deductible Percentage WYO *Diagram Number Elevated Building Indicator Elevation Certificate Indicator *Elevation Certification Date Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y N Y Y Y 4-4 4-5 4-7 4-8 4-9 4-10 4-14 4-15 4-55 4-56 4-60 4-64 4-65 4-76 4-78 4-80 4-81 4-84 4-85 4-87 Application, 4L Application, 4N Application, 3G Application, 2G Application, 4K Application, 4M Application, 2N Application, 2A Application, 2J, 2K Application, 2E Application, 1J Application, 4H Application, 2P Application, 2Q Application Application, 3D; Elevation Certificate Application, 2R Application; Elevation Certificate *Refer to Part 3 – Reporting Requirements, III. Reporting Requirementsfor New/Rollover Indicator, to determine if the Diagram Number and/orthe Elevation Certification Date are required based on reportedNew/Rollover Indicator. Part 3 3-2 Revision 4 (10/1/01) Change 7 Effective 5/1/05 I. DATA ELEMENT REQUIREMENTS FOR WRITE YOUR OWN (Cont'd.) DATA DICTIONARY DATA ELEMENT REQ. PAGE SOURCE POLICY TRANSACTIONS (Cont’d.) Elevation Difference Y 4-88 Application, 3H; Elevation Certificate Endorsement Effective Y 4-89 Date Endorsement Premium Y 4-90 Amount Expense Constant Y 4-91 Federal Policy Fee Y 4-97 Application, 4D Federal Policy Y 4-98 Fee-Refunded *First Lender City N 4-102 Application, 1K *First Lender Loan Number N 4-103 Application, 1K *First Lender Name N 4-104 Application, 1K *First Lender State N 4-105 Application, 1K *First Lender Street N 4-106 Application, 1K Address *First Lender ZIP Code N 4-107 Application, 1K Flood Risk Zone Y 4-110 Application, 2U Floodproofed Indicator Y 4-112 Application, 3I ICC Premium WYO Y 4-122 Application, 4I *** Insured First Name Y 4-127 Application, 1F *** Insured Last Name Y 4-128 Application, 1F Location of Contents Y 4-129 Application, 2T Indicator **Lowest Adjacent Grade N 4-130 Application, 3E; Elevation Certificate Lowest Floor Elevation Y 4-131 Application, 3F; Elevation Certificate *These data elements are required for policies expired more than 120 days. **Refer to Part 3 – Reporting Requirements, III. Reporting Requirements for New/Rollover Indicator, to determine if the Lowest Adjacent Grade is required based on reported New/Rollover Indicator. *** These data elements are required for policies with a policy effective date on or after April 30, 1996. Prior to this date, either insured name or taxpayer ID was reported. Part 3 3-3 Revision 4 (10/1/01) Change 9 Effective 5/1/06 I. DATA ELEMENT REQUIREMENTS FOR WRITE YOUR OWN (Cont'd.) DATA DICTIONARY DATA ELEMENT REQ. PAGE SOURCE POLICY TRANSACTIONS (Cont’d.) Mailing City Y 4-131A Application, 1F Mailing State Y 4-131B Application, 1F Mailing Street Address Y 4-131C Application, 1F Mailing ZIP Code Y 4-131D Application, 1F Part 3 3-3A Revision 4 (5/1/01) Change 8 Effective 10/1/05 This page is intentionally left blank. Part 3 3-3B Revision 4 (5/1/01) Change 8 Effective 10/1/05 I. DATA ELEMENT REQUIREMENTS FOR WRITE YOUR OWN (Cont'd.) DATA DICTIONARY DATA ELEMENT REQ. PAGE SOURCE POLICY TRANSACTIONS (Cont’d.) **Map Panel Number Y 4-132 Application, 2B Map Panel Suffix Y 4-133 Application, 2C Name Format Indicator Y 4-134 Name or Descriptive Y 4-135 Information Indicator New Policy Number Y 4-138 Application, 1A New/Rollover Indicator Y 4-139 Application, 1C Number of Floors Y 4-140 Application, 2F (Including Basement)/ Building Type Obstruction Type Y 4-141 Application, 2S Occupancy Type Y 4-143 Application, 2E Old Policy Number Y 4-146 Original Construction Y 4-147 Application, 3A, 3B Date/Substantial Improvement Date Original Submission Y 4-149 Month Policy Effective Date Y 4-152 Application, 1D Policy Expiration Date Y 4-154 Application, 1E Policy Number Y 4-155 Application, 1A; Prelim./Final Rept., 1 Policy Term Indicator Y 4-156 Policy Termination Date Y 4-157 Post-FIRM Construction Y 4-158 Application, 3C; Indicator Community Master File Premium Payment Y 4-159 Application, 4G Indicator *Principal Residence Y 4-160 Application, 2M Indicator Probation Surcharge Y 4-161 Application, 4J Amount WYO *This data element is required for new business and renewals on orafter May 1, 2000. Prior to this date, it was optional. **Refer to Part 3 – Reporting Requirements, III. Reporting Requirementsfor New/Rollover Indicator, to determine if the Map Panel Number isrequired based on reported New/Rollover Indicator. Part 3 3-4 Revision 4 (10/1/01) Change 7 Effective 5/1/05 I. DATA ELEMENT REQUIREMENTS FOR WRITE YOUR OWN (Cont'd.) DATA DICTIONARY DATA ELEMENT REQ. PAGE SOURCE POLICY TRANSACTIONS (Cont’d.) Property Beginning Y 4-162 Application, 1G, 1FStreet Number Property City Y 4-163 Application, 1G, 1FProperty State Y 4-164 Application, 1G, 1FProperty Street Address Y 4-165 Application, 1G, 1FProperty ZIP Code Y 4-168 Application, 1G, 1FRegular/Emergency Y 4-169 Application, 2D; Program Indicator Community Master File Reinstatement Federal Y 4-170 Policy Fee Reinstatement Premium Y 4-171 Rejected Transaction Y 4-172 Control Number ****Repetitive Loss ID Y 4-173 Number ****Repetitive Loss Target Y 4-174 Group Indicator **Replacement Cost Y 4-175 Application, 2L Risk Rating Method Y 4-180 Application, 4F *Second Lender City N 4-184 Application, 1L *Second Lender Loan N 4-185 Application, 1L Number *Second Lender Name N 4-186 Application, 1L *Second Lender State N 4-187 Application, 1L *Second Lender Street N 4-188 Application, 1L Address *Second Lender ZIP Code N 4-189 Application, 1L Sort Sequence Key Y 4-190 State-Owned Property Y 4-194 Application, 2O *These data elements are required for policies expired more than120 days. ****This data is required only as of May 1, 2000, and only from the NFIPServicing Agent. **Refer to Part 3 – Reporting Requirements, III. Reporting Requirements for New/Rollover Indicator, to determine if the Replacement Cost isrequired based on reported New/Rollover Indicator. Part 3 3-5 Revision 4 (10/1/01) Change 7 Effective 5/1/05 I. DATA ELEMENT REQUIREMENTS FOR WRITE YOUR OWN (Cont'd.) DATA DICTIONARY DATA ELEMENT REQ. PAGE SOURCE POLICY TRANSACTIONS (Cont’d.) *** Taxpayer Identification Y 4-198 Application, 1J Number Total Amount of Y 4-199 Application, 4A Insurance – Building Total Amount of Y 4-201 Application, 4B Insurance – Contents Total Calculated Y 4-204 Application, 4E Premium (excludesExpense Constant) Total Premium Refund Y 4-208 WYO Prefix Code Y 4-216 WYO Transaction Code Y 4-217 WYO Transaction Date Y 4-219 1981 Post-FIRM V Zone Y 4-220 Certification Indicator *** This data element is required for policies with an original new business date on or after May 1, 2006, and designated as receivingdisaster assistance (refer to Part 4, Data Element ‘CoverageRequired for Disaster Assistance’). Otherwise, the reportingrequirement for the taxpayer ID is optional. Part 3 3-6 Revision 4 (10/1/01) Change 9 Effective 5/1/06 I. DATA ELEMENT REQUIREMENTS FOR WRITE YOUR OWN (Cont'd.) DATA DICTIONARY DATA ELEMENT REQ. PAGE SOURCE CLAIMS TRANSACTIONS Alteration Date Building Claim Payment (ACV or RCV as Applicable) Building Damage Subject to Policy Exclusions (ACV) Catastrophe Number Cause of Loss Claim/Loss Closed Date Claim/Loss Reopen Date Claim Closed Without Payment Reason - Building Claim Closed Without Payment Reason – Contents Claim Closed Without Payment Reason – ICC Coinsurance Claim Settlement Indicator Contents Claim Payment (ACV) Contents Damage Subject to Policy Exclusions (ACV) Damage - Appurtenant (ACV) Damage - Main (ACV) Damage to Contents – Appurtenant (ACV) Damage to Contents – Main (ACV) Date of Loss Deductible – Applicable to Building Claim Payment Deductible – Applicable to Contents Claim Payment N Y N Y Y Y Y Y Y Y N Y N N N N N Y N N 4-6 4-11 4-13 4-45 4-46 4-49 4-50 4-51 4-52 4-53 4-54 4-61 4-63 4-67 4-68 4-69 4-70 4-71 4-72 4-74 Final Report, 15 Final Report, Sum of 31 or 33B Final Report, 35 Prelim. Report, 3 Prelim. Report, 8 Final Report, Sum of 32 Final Report, 37 Final Report, 22 Final Report, 21 Final Report, 24 Final Report, 23 Prelim./Final Rept., 2 Final Report, 29 Final Report, Sum of 30 Part 3 3-7 Revision 4 (10/1/01) Effective 10/1/03 I. DATA ELEMENT REQUIREMENTS FOR WRITE YOUR OWN (Cont’d.) DATA ELEMENT REQ. CLAIMS TRANSACTIONS (Cont’d.) DATA DICTIONARY PAGE SOURCE Duration Building WillNot Be Habitable N 4-82 Final Report, 17 Duration of Flood Waters in the Building Expense of ContentsRemoval N Y 4-83 4-92 Prelim. Report, 10 Final Report, Sum of 27 Expense of Manufactured(Mobile) Home Removal Exterior Wall Structure Type Exterior Wall Surface Treatment Y N N 4-93 4-94 4-95 Prelim. Report, 7 Prelim. Report, 7A Factors Related to Cause of Loss Final PaymentIndicator-Building Final PaymentIndicator-Contents N Y Y 4-96 4-99 4-100 Prelim. Report, 9; Subrogation Form Final PaymentIndicator-ICC Y 4-101 Flood Characteristics Foundation Type ICC Actual Expense ICC Claim Indicator N N Y Y 4-108 4-113 4-116 4-117 Prelim. Report, 8A Prelim. Report, 6 ICC Claim Payment ICC Flood DamageAmount-Prior Y Y 4-118 4-120 ICC MitigationIndicator Y 4-121 ICC Prior Date of Loss Y 4-123 ICC PropertyValue-Current Y 4-124 Part 3 3-8 Revision 4 (10/1/01) Effective 10/1/03 I. DATA ELEMENT REQUIREMENTS FOR WRITE YOUR OWN (Cont’d.) DATA DICTIONARY DATA ELEMENT REQ. PAGE SOURCE CLAIMS TRANSACTIONS (Cont’d.) ICC Property Y 4-125 Value-Prior New Date of Loss Y 4-136 Prelim./Final Rept., 2 New Payment Date Y 4-137 Old Date of Loss Y 4-144 Old Payment Date Y 4-145 Payment Date Y 4-150 Property N 4-166 Final Report, 19Value-Appurtenant (ACV) Property Value-Main N 4-167 Final Report, 18(ACV) Replacement Cost Y 4-176 Final Report, 33AIndicator Reserve – Building Y 4-177 Prelim. Report, 4 Reserve – Contents Y 4-178 Prelim. Report, 5 Reserve – ICC Y 4-179 Substantial Improvement N 4-197 Final Report, 16Indicator Total Building Y 4-202 Final Report, Damages - Main and Sum of 2l & 22 Appurtenant (ACV) Total Building Y 4-203 Final Report, Damages - Main and Sum of 41 & 42 Appurtenant (RCV) Total Damage to Y 4-205 Final Report, Contents - Main and Sum of 23 & 24 Appurtenant (ACV) Total Damage to Y 4-206 Final Report, 40Contents – Main and Appurtenant (RCV) Total Expense of Y 4-207 Final Report, Temporary Flood Sum of 25 & 26 Protection Total Property Value – Y 4-209 Final Report, Main and Appurtenant Sum of 18 & 19 (ACV) Part 3 3-9 Revision 4 (10/1/01) Effective 10/1/03 I. DATA ELEMENT REQUIREMENTS FOR WRITE YOUR OWN (Cont’d.) DATA ELEMENT REQ. DATA DICTIONARY PAGE SOURCE CLAIMS TRANSACTIONS (Cont’d.) Total Property Value – Main and Appurtenant(RCV) Value of Building ItemsSubject to PolicyExclusions (ACV) Value of Contents (ACV) Y N N 4-210 4-211 4-212 Final Report, Sum of 38 & 39 Final Report, 34 Final Report, Sum of 20 Value of Contents Items Subject to PolicyExclusions (ACV) Water Depth – Relativeto Main Building RECOVERY TRANSACTIONS N Y 4-213 4-214 Final Report, 36 Prelim. Report, 11 Actual Salvage Recovery Actual Salvage RecoveryDate Y Y 4-2 4-3 Final Report, 28 Building Claim PaymentRecovery Contents Claim PaymentRecovery ICC Claim PaymentRecovery Payment Recovery Date Subrogation Subrogation RecoveryDate Y Y Y Y Y Y 4-12 4-62 4-119 4-151 4-195 4-196 SPECIAL EXPENSE TRANSACTIONS Special Expense Amount Special Expense Date Special Expense Type Y Y Y 4-191 4-192 4-193 Part 3 3-10 Revision 4 (10/1/01) Effective 10/1/03 II. SAMPLE NFIP FORMS EXHIBIT 3-1. Flood Insurance Application O.M.B. No. 1660-0006 Expires July 31, 2006 PART I (OF 2) OF FLOOD INSURANCE APPLICATION U.S. DEPARTMENT OF HOMELAND SECURITY EMERGENCY PREPAREDNESS AND RESPONSE DIRECTORATE National Flood Insurance Program IMPORTANT—PLEASE PRINT OR TYPE PLEASE ATTACH TO NFIP COPY OF APPLICATION THE CHECK OR MONEY ORDER FOR THE TOTAL PREPAID PREMIUM MADE PAYABLE TO THE NATIONAL FLOOD INSURANCE PROGRAM IMPORTANT – COMPLETE PART I AND, IF REQUIRED, PART 2 (ON LAST PAGE) BEFORE SENDING APPLICATION TO THE NFIP -IMPORTANT FEMA Form 81-16, JUL 03 F-050 (7/03) Part 3 3-11 Revision 4 (10/1/01) Change 6 Effective 5/1/04 II. SAMPLE NFIP FORMS (Cont'd.) EXHIBIT 3-2. Preferred Risk Policy Application Part 3 3-12 Revision 4 (10/1/01) Change 6 Effective 5/1/04 II. SAMPLE NFIP FORMS (Cont'd.) EXHIBIT 3-3. NFIP Preliminary Report Part 3 3-13 Revision 4 (10/1/01) Effective 10/1/03 II. SAMPLE NFIP FORMS (Cont'd.) EXHIBIT 3-4. NFIP Final Report Part 3 3-14 Revision 4 (10/1/01) Effective 10/1/03 II. SAMPLE NFIP FORMS (Cont'd.) EXHIBIT 3-5. Cause of Loss and Subrogation Report Part 3 3-15 Revision 4 (10/1/01) Effective 10/1/03 II. SAMPLE NFIP FORMS (Cont'd.) EXHIBIT 3-6. NFIP Narrative Report Part 3 3-16 Revision 4 (10/1/01) Effective 10/1/03 III. REPORTING REQUIREMENTS FOR NEW/ROLLOVER INDICATOR A. Introduction In order for WYO companies to reduce policy errorsattributed to the proper usage of the New/RolloverIndicator and its relationship to five specific TRRPdata elements – Diagram Number, Lowest Adjacent Grade, Elevation Certification Date, Replacement Cost, and MapPanel Number – FEMA has approved revisions to the editcriteria for the stated data elements. A matrix was developed to provide the companies with aclearer explanation as to which of the five dataelements should be reported when using a specificNew/Rollover Indicator. B. Procedures The New/Renewal Indicator (N/R Indicator) will now beknown as the New/Rollover Indicator. This indicator will be reported on all new business transactions (11A) and should not be changed by the WYO companies onsubsequent renewal (17A), endorsement (20A), or policycorrection (23A) transactions. The “Original New Business Date” reflects the PolicyEffective Date reported on the new businesstransactions (11A). This date will remain static on theNFIP Policy Database for all future renewals, endorsements, cancellations, and policy correctionssubmitted for a policy by the WYO companies. The Original New Business Date will determine the dataelement requirements for all new business, renewal, andendorsement transactions for the following dataelements: Diagram Number, Lowest Adjacent Grade, Elevation Certification Date, Replacement Cost, and MapPanel Number. If the Elevation Difference is required and reportedwith values other than the default, the Base FloodElevation and the Lowest Floor Elevation should not be reported with default values (with the exception ofunnumbered ‘A’ flood zone policies, Group Floodpolicies, Provisionally Rated policies, and TentativelyRated policies). If a policy has a reported ElevationDifference other than the default value (+999), thepolicy is classified as “elevation rated”; otherwisethe policy is “non-elevation rated.” Part 3 3-17 Revision 4 (10/1/01) Change 7 Effective 5/1/05 C. New/Rollover Indicator Matrix New/RolloverIndicator N R E Z Original NewBusiness Date Before 10/1/97 (1) (1) (1) (1) 10/1/97 – 9/30/02 (2) *No Data Required *No Data Required (5) 10/1/02 – 4/30/03 (3) *No Data Required *No Data Required (5) 5/1/03 – 4/30/04 (4) *No Data Required *No Data Required (5) 5/1/04 - Present (4) *No Data Required (6) (5) Note: *“No Data Required” refers only to the following data elements: Diagram Number, Lowest Adjacent Grade, Elevation CertificationDate, Replacement Cost, and Map Panel Number. Refer to section D. Procedures for Reporting Matrix Data Elementsfor a detailed description of items (1) thru (6). D. Procedures for Reporting Matrix Data Elements 1. Original New Business Date: Before 10/1/97 y No Data Required 2. Original New Business Date: 10/1/97 – 9/30/02 a. If the policy is “Elevation Rated” and theElevation Certification Date is on or after 10/1/97, the following are required: y Diagram Number – (if the Floodproofed Indicator is ‘N’) y Lowest Adjacent Grade – (if the Floodproofed Indicator is ‘N’) y Elevation Certification Date Part 3 3-18 Revision 4 (10/1/01) Change 7 Effective 5/1/05 b. If the policy is “Elevation Rated” and theElevation Certification Date is before 10/1/97, the following is required: y Elevation Certification Date c. If the policy is “Non-Elevation Rated,” no data isrequired. 3. Original New Business Date: 10/1/02 – 4/30/03 a. If the policy is “Elevation Rated” and the Elevation Certification Date is on or after 10/1/97, the following are required: y Diagram Number – (if the Floodproofed Indicator is ‘N’) y Lowest Adjacent Grade – (if the Floodproofed Indicator is ‘N’) y Elevation Certification Date y Replacement Cost b. If the policy is “Elevation Rated” and theElevation Certification Date is before 10/1/97, the following are required: y Elevation Certification Date y Replacement Cost c. If the policy is “Non-Elevation Rated,” the following is required: y Replacement Cost 4. Original New Business Date: 5/1/03 – Present a. If the policy is “Elevation Rated” and the Elevation Certification Date is on or after 10/1/97, the following are required: y Diagram Number – (if the Floodproofed Indicator is ‘N’) y Lowest Adjacent Grade – (if the Floodproofed Indicator is ‘N’) y Elevation Certification Date y Replacement Cost y Map Panel Number Part 3 3-19 Revision 4 (10/1/01) Change 7 Effective 5/1/05 b. If the policy is “Elevation Rated” and theElevation Certification Date is before 10/1/97, the following are required: y Elevation Certification Date y Replacement Cost y Map Panel Number c. If the policy is “Non-Elevation Rated,” the following are required: y Replacement Cost y Map Panel Number 5. Original New Business Date: 10/1/01 – Present Indicator ‘Z’ is used only for rewritten policiesthat were previously cancelled with CancellationReasons ‘22’ or ‘24’. a. If the Original New Business date is prior to10/1/01, no data is required. b. If the policy is “Elevation Rated” and the Elevation Certification Date is on or after 10/1/97, the following are required: y Diagram Number – (if the Floodproofed Indicator is ‘N’) y Lowest Adjacent Grade – (if the Floodproofed Indicator is ‘N’) y Elevation Certification Date y Replacement Cost (if Original New Business Dateis on or after 10/1/02) y Map Panel Number (if Original New Business Dateis on or after 5/1/03) c. If the policy is “Elevation Rated” and theElevation Certification Date is before 10/1/97, the following are required: y Elevation Certification Date y Replacement Cost (if Original New Business Dateis on or after 10/1/02) y Map Panel Number (if Original New Business Dateis on or after 5/1/03) Part 3 3-20 Revision 4 (10/1/01) Change 7 Effective 5/1/05 d. If the policy is “Non-Elevation Rated,” the following are required: y Replacement Cost (if Original New Business Dateis on or after 10/1/02) y Map Panel Number (if Original New Business Dateis on or after 5/1/03) 6. Original New Business Date on or after 5/1/05 y New/Rollover Indicator “E” is no longer valid. Part 3 3-21 Revision 4 (10/1/01) Change 7 Effective 5/1/05 PART 4 - DATA DICTIONARY TABLE OF CONTENTS Page INTRODUCTION................................................4-1 Actual Salvage Recovery.....................................4-2 Actual Salvage Recovery Date................................4-3 Additional Building Rate WYO................................4-4 Additional Contents Rate WYO................................4-5 Alteration Date.............................................4-6 Base Flood Elevation........................................4-7 Basement/Enclosure Type.....................................4-8 Basic Building Rate WYO.....................................4-9 Basic Contents Rate WYO.....................................4-10 Building Claim Payment (ACV or RCV as applicable)...........4-11 Building Claim Payment Recovery.............................4-12 Building Damage Subject to Policy Exclusions (ACV)..........4-13 Building in Course of Construction Indicator................4-14 Cancellation/Voidance Reason................................4-15 Catastrophe Number..........................................4-45 Cause of Loss...............................................4-46 Claim/Loss Closed Date......................................4-49 Claim/Loss Reopen Date......................................4-50 Claim Closed Without Payment Reason - Building..............4-51 Claim Closed Without Payment Reason - Contents..............4-52 Claim Closed Without Payment Reason - ICC...................4-53 Coinsurance Claim Settlement Indicator......................4-54 Community Identification Number.............................4-55 Condominium Indicator.......................................4-56 Condominium Master Policy Units.............................4-60 Contents Claim Payment (ACV)................................4-61 Contents Claim Payment Recovery.............................4-62 Contents Damage Subject to Policy Exclusions (ACV)..........4-63 Coverage Required for Disaster Assistance...................4-64 CRS Classification Credit Percentage........................4-65 Damage - Appurtenant (ACV)..................................4-67 Damage - Main (ACV).........................................4-68 Damage to Contents - Appurtenant (ACV)......................4-69 Damage to Contents - Main (ACV).............................4-70 Date of Loss................................................4-71 Deductible - Applicable to Building Claim Payment...........4-72 Deductible - Applicable to Contents Claim Payment...........4-74 Deductible - Building.......................................4-76 Deductible - Contents.......................................4-78 Deductible Percentage WYO...................................4-80 Diagram Number..............................................4-81 Duration Building Will Not Be Habitable.....................4-82 Duration of Flood Waters in the Building....................4-83 Elevated Building Indicator.................................4-84 Elevation Certificate Indicator ..........4-85 Elevation Certification Date................................4-87 Elevation Difference........................................4-88 Part 4 4-i Revision 4 (10/1/01) Effective 10/1/03 PART 4 – DATA DICTIONARY Table of Contents (Cont’d.) Page Endorsement Effective Date..................................4-89 Endorsement Premium Amount..................................4-90 Expense Constant............................................4-91 Expense of Contents Removal.................................4-92 Expense of Manufactured (Mobile) Home Removal...............4-93 Exterior Wall Structure Type................................4-94 Exterior Wall Surface Treatment.............................4-95 Factors Related to Cause of Loss............................4-96 Federal Policy Fee..........................................4-97 Federal Policy Fee - Refunded...............................4-98 Final Payment Indicator - Building..........................4-99 Final Payment Indicator - Contents..........................4-100 Final Payment Indicator - ICC...............................4-101 First Lender City...........................................4-102 First Lender Loan Number....................................4-103 First Lender Name...........................................4-104 First Lender State..........................................4-105 First Lender Street Address.................................4-106 First Lender ZIP Code.......................................4-107 Flood Characteristics.......................................4-108 Flood Risk Zone.............................................4-110 Floodproofed Indicator......................................4-112 Foundation Type.............................................4-113 ICC Actual Expense..........................................4-116 ICC Claim Indicator.........................................4-117 ICC Claim Payment...........................................4-118 ICC Claim Payment Recovery..................................4-119 ICC Flood Damage Amount - Prior.............................4-120 ICC Mitigation Indicator....................................4-121 ICC Premium WYO.............................................4-122 ICC Prior Date of Loss......................................4-123 ICC Property Value - Current................................4-124 ICC Property Value - Prior..................................4-125 Insurance to Value Ratio Indicator..........................4-126 Insured First Name..........................................4-127 Insured Last Name...........................................4-128 Location of Contents Indicator..............................4-129 Lowest Adjacent Grade.......................................4-130 Lowest Floor Elevation......................................4-131 Mailing City................................................4-131A Mailing State...............................................4-131B Mailing Street Address......................................4-131C Mailing ZIP Code............................................4-131D Map Panel Number............................................4-132 Map Panel Suffix............................................4-133 Name Format Indicator.......................................4-134 Name or Descriptive Information Indicator...................4-135 New Date of Loss............................................4-136 Part 4 4-ii Revision 4 (10/1/01) Change 8 Effective 10/1/05 PART 4 – DATA DICTIONARY Table of Contents (Cont’d.) Page New Payment Date............................................4-137 New Policy Number...........................................4-138 New/Rollover Indicator......................................4-139 Number of Floors (Including Basement)/Building Type.........4-140 Obstruction Type............................................4-141 Occupancy Type..............................................4-143 Old Date of Loss............................................4-144 Old Payment Date............................................4-145 Old Policy Number...........................................4-146 Original Construction Date/Substantial Improvement Date.....4-147 Original Submission Month...................................4-149 Payment Date................................................4-150 Payment Recovery Date.......................................4-151 Policy Effective Date.......................................4-152 Policy Expiration Date......................................4-154 Policy Number...............................................4-155 Policy Term Indicator.......................................4-156 Policy Termination Date.....................................4-157 Post-FIRM Construction Indicator............................4-158 Premium Payment Indicator...................................4-159 Principal Residence Indicator...............................4-160 Probation Surcharge Amount WYO..............................4-161 Property Beginning Street Number............................4-162 Property City...............................................4-163 Property State..............................................4-164 Property Street Address.....................................4-165 Property Value - Appurtenant (ACV)..........................4-166 Property Value - Main (ACV).................................4-167 Property ZIP Code...........................................4-168 Regular/Emergency Program Indicator.........................4-169 Reinstatement Federal Policy Fee............................4-170 Reinstatement Premium.......................................4-171 Rejected Transaction Control Number.........................4-172 Repetitive Loss ID Number...................................4-173 Repetitive Loss Target Group Indicator......................4-174 Replacement Cost............................................4-175 Replacement Cost Indicator..................................4-176 Reserve - Building..........................................4-177 Reserve - Contents..........................................4-178 Reserve – ICC...............................................4-179 Risk Rating Method..........................................4-180 Second Lender City..........................................4-184 Second Lender Loan Number...................................4-185 Second Lender Name..........................................4-186 Second Lender State.........................................4-187 Second Lender Street Address................................4-188 Second Lender ZIP Code......................................4-189 Sort Sequence Key...........................................4-190 Part 4 4-iii Revision 4 (10/1/01) Change 8 Effective 10/1/05 PART 4 – DATA DICTIONARY Table of Contents (Cont’d.) Page Special Expense Amount......................................4-191 Special Expense Date........................................4-192 Special Expense Type........................................4-193 State-Owned Property........................................4-194 Subrogation.................................................4-195 Subrogation Recovery Date...................................4-196 Substantial Improvement Indicator...........................4-197 Taxpayer Identification Number..............................4-198 Total Amount of Insurance - Building........................4-199 Total Amount of Insurance - Contents........................4-201 Total Building Damages - Main and Appurtenant (ACV).........4-202 Total Building Damages - Main and Appurtenant (RCV).........4-203 Total Calculated Premium....................................4-204 Total Damage to Contents - Main and Appurtenant (ACV).......4-205 Total Damage to Contents - Main and Appurtenant (RCV).......4-206 Total Expense of Temporary Flood Protection.................4-207 Total Premium Refund........................................4-208 Total Property Value - Main and Appurtenant (ACV)...........4-209 Total Property Value - Main and Appurtenant (RCV)...........4-210 Value of Building Items Subject to Policy Exclusions (ACV).....4-211 Value of Contents (ACV).....................................4-212 Value of Contents Items Subject to Policy Exclusions (ACV).....4-213 Water Depth - Relative to Main Building.....................4-214 WYO Prefix Code.............................................4-216 WYO Transaction Code........................................4-217 WYO Transaction Date........................................4-219 1981 Post-FIRM V Zone Certification Indicator...............4-220 Part 4 4-iv Revision 4 (10/1/01) Change 8 Effective 10/1/05 PART 4 - DATA DICTIONARY INTRODUCTION The Data Dictionary contains all of the data elements recorded byWYO companies on an individual transaction basis. The dictionaryincludes data elements that are required for reporting and thosethat are optionally reported. For each data element, the following information is provided: • Alias • Acronym • File • Description • Edit Criteria • Length • Dependencies • System Function • Reporting Requirement In the information about Dependencies, references to “theadjuster’s report” mean the NFIP Preliminary Report or the NFIPFinal Report, as appropriate. References to “the Bureau” mean the NFIP Bureau and Statistical Agent. Part 4 4-1 Revision 4 (10/1/01) Effective 10/1/03 DATA ELEMENT: Actual Salvage Recovery ALIAS: None ACRONYM: WYO (CMF) SALVAGE-AMT FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: This is the amount of money in dollars and cents received by theinsurer from the sale of damaged property net of expenses. Actual Salvage Recovery is a positive dollar amount wheninitially reported. This field is used when, subsequent to aclaim settlement, the insurer sells damaged property and thisrecovery can be traced back to an individual claim. Salvagerecovery accomplished by leaving damaged property with theinsured and reducing the claim payment is not reported in thisfield. EDIT CRITERIA: Signed numeric in dollars and cents LENGTH: 12 with an implied decimal of two positions DEPENDENCIES: Information may be obtained from the adjuster's report, but will probably be obtained from a subsequent report. SYSTEM FUNCTION: Rate Analysis REPORTING REQUIREMENT: Required Part 4 4-2 Revision 4 (10/1/01) Effective 10/1/03 DATA ELEMENT: Actual Salvage Recovery Date ALIAS: None ACRONYM: (CMF) SALVAGE-DT FILE: Claims Master (CMF) DESCRIPTION: This is the date actual salvage recovery is made. This date should reflect the Actual Salvage Recovery Date that appears on aWYO company's books. EDIT CRITERIA: Numeric, Date Format: YYYYMMDD LENGTH: 8 DEPENDENCIES: None SYSTEM FUNCTION: Claims History REPORTING REQUIREMENT: Required Part 4 4-3 Revision 4 (10/1/01) Effective 10/1/03 DATA ELEMENT: Additional Building Rate WYO ALIAS: None ACRONYM: WYO (PMF) ADD-BLDG-RT-WYO WYO (RATE) BLDG-RATE-A FILE: Policy Master (PMF) Rates Master (RATE) DESCRIPTION: Additional building rate selected by the company. This data element must be reported for all policies except the PreferredRisk Policy. EDIT CRITERIA: Unsigned Numeric LENGTH: 5 with an implied decimal of three positions DEPENDENCIES: Information may be obtained from the Flood Insurance Manual. SYSTEM FUNCTION: Used by the Bureau to research ratinganomalies. REPORTING REQUIREMENT: Required Part 4 4-4 Revision 4 (10/1/01) Effective 10/1/03 DATA ELEMENT: Additional Contents Rate WYO ALIAS: None ACRONYM: WYO (PMF) ADD-CONT-RATE WYO (RATE)CONT-RATE-A FILE: Policy Master (PMF) Rates Master (RATE) DESCRIPTION: Additional contents rate selected by the company. This data element must be reported for all policies except the PreferredRisk Policy. EDIT CRITERIA: Unsigned Numeric LENGTH: 5 with an implied decimal of three positions. DEPENDENCIES: Information may be obtained from the FloodInsurance Manual. SYSTEM FUNCTION: Used by the Bureau to research ratinganomalies. REPORTING REQUIREMENT: Required Part 4 4-5 Revision 4 (10/1/01) Effective 10/1/03 DATA ELEMENT: Alteration Date ALIAS: Renovation Date, Structural Improvement Date ACRONYM: (CMF) ALTERAT-DT FILE: Claims Master (CMF) Recertification Master (RCMF) DESCRIPTION: Date on which alterations were made to insured building. EDIT CRITERIA: Numeric, Date Format: YYYYMMDD LENGTH: 8 DEPENDENCIES: Information is to be obtained from the adjuster's report. SYSTEM FUNCTION: Underwriting REPORTING REQUIREMENT: Optional Part 4 4-6 Revision 4 (10/1/01) Effective 10/1/03 DATA ELEMENT: Base Flood Elevation ALIAS: BFE, 100 Year Flood Elevation, 1% Chance of Flooding ACRONYM: Direct (CMF) Base-Fld-Elev-Ft Direct (PMF) Base-Flood-Elevation (PMF) WYO (PMF) BASE-FLOOD FILE: Policy Master (PMF) Claims Master (CMF) Elevation Certificate Master (ECMF) Actuarial (APOL) DESCRIPTION: Base Flood Elevation (BFE) is the elevation (or depth in zone AO) at which there is a 1% chance per year of flooding as shown oneffective FIRM in tenths of feet. Value of 9999.0 indicates the field is not reported and/or used for this policy. EDIT CRITERIA: Numeric - may be positive or negative LENGTH: 6 with an implied decimal of one position DEPENDENCIES: Information is obtained from the Flood Insurance application and the Elevation Certificate. SYSTEM FUNCTION: Used in computing the elevation differencebetween lowest floor and BFE. REPORTING REQUIREMENT: Required on policies with an originalnew business date on or after October 1,1997, and the policy effective date onor after May 1, 2006. Unnumbered ‘A’ Zone policies, Group Flood policies, provisionally rated policies, andtentatively rated policies are excludedfrom reporting the BFE. NOTE: For policies effective prior to May 1, 2006, it is stilladvisable to continue reporting the BFE and LFE (other than9999.0), if available, in order to calculate the correctelevation difference. Part 4 4-7 Revision 4 (10/1/01) Change 9 Effective 5/1/06 DATA ELEMENT: Basement/Enclosure Type ALIAS: None ACRONYM: WYO (PMF) BASEMENT FILE: Policy Master (PMF) Claims Master (CMF) Recertification Master (RCMF) Actuarial (APOL) DESCRIPTION: Code indicating the type of basement or enclosure in the insuredbuilding. Basement is defined for purposes of the NFIP as anylevel or story which has its floor subgrade on all sides. An enclosure is that portion of an elevated building below thelowest elevated floor that is either partially or fully shut inby rigid walls. Finished (Habitable) Area: A finished area is a basement or other enclosed area having more than 20 linear feet of finishedwalls (paneling, etc.) or equipped for use as kitchen, diningroom, living room, family or recreational room, bedroom, office, professional or private school, studio occupancies, workshop, orother such uses. Coverage restrictions may apply. Unfinished Area: An unfinished area is a basement or other enclosed area used for parking vehicles and/or storage purposesonly and does not meet the definition of a finished area. Drywallused for fire protection is permitted. Enclosure: To define an enclosure, the following data elementsmust be present: -Basement/Enclosure Type is “1” or “2” -Elevated Building Indicator is “Y” -Obstruction Type is “20”, “24”, “30”, “34”, “50”, “54”, or “60” EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 0 - None 1 - Finished 2 - Unfinished LENGTH: 1 DEPENDENCIES: Basement-Type in Policy Master and Claims Master should be the same. Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Rating Element REPORTING REQUIREMENT: Required Part 4 4-8 Revision 4 (10/1/01) Effective 10/1/03 DATA ELEMENT: Basic Building Rate WYO ALIAS: None ACRONYM: WYO (PMF) BASE-BLDING-RATE WYO (RATE) BLDG-RATE-B FILE: Policy Master (PMF) Rates Master (RATE) DESCRIPTION: Basic building rate selected by the company. This data element must be reported for all policies with exception of PRP. EDIT CRITERIA: Unsigned Numeric LENGTH: 5 with an implied decimal of three positions DEPENDENCIES: Information may be obtained from the FloodInsurance Manual. SYSTEM FUNCTION: Used by the Bureau to research ratinganomalies. REPORTING REQUIREMENT: Required Part 4 4-9 Revision 4 (10/1/01) Effective 10/1/03 DATA ELEMENT: Basic Contents Rate WYO ALIAS: None ACRONYM: WYO (PMF) BASE-CONT-RATE WYO (RATE)CONT-RATE-B FILE: Policy Master (PMF) Rates Master (RATE) DESCRIPTION: Basic contents rate selected by the company. This data element must be reported for all policies with exception of PRP. EDIT CRITERIA: Unsigned Numeric LENGTH: 5 with an implied decimal of three positions. DEPENDENCIES: Information may be obtained from the FloodInsurance Manual. SYSTEM FUNCTION: Used by the Bureau to research ratinganomalies. REPORTING REQUIREMENT: Required Part 4 4-10 Revision 4 (10/1/01) Effective 10/1/03 DATA ELEMENT: Building Claim Payment (ACV or RCV as applicable) ALIAS: Building Loss Draft Amount ACRONYM: Direct (CMF) Loss-Pd-Bldg WYO (CMF) PAY-BLDG FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Amount in dollars and cents paid for a building claim. If replacement cost coverage was applicable, this amount includesthe amount paid above the Actual Cash Value of the damage. Otherwise, this amount is only the Actual Cash Value claimssettlement. The building claim payment includes payment made tocover the expense of temporary flood protection and the claimpayment for the expense of removal of a manufactured (mobile) home or travel trailer. EDIT CRITERIA: Signed numeric in dollars and cents LENGTH: 12 with an implied decimal of two positions DEPENDENCIES: Information is obtained from the adjuster'sreport. SYSTEM FUNCTION: Premium and Loss Analysis REPORTING REQUIREMENT: Required Part 4 4-11 Revision 4 (10/1/01) Effective 10/1/03 DATA ELEMENT: Building Claim Payment Recovery ALIAS: None ACRONYM: WYO (CMF) REC-BLDG FILE: Claims Master (CMF) DESCRIPTION: Amount in dollars and cents recovered on a building claim forreasons other than salvage or subrogation. EDIT CRITERIA: Signed numeric in dollars and cents LENGTH: 12 with an implied decimal of two positions DEPENDENCIES: None SYSTEM FUNCTION: Premium and Loss Analysis REPORTING REQUIREMENT: Required Part 4 4-12 Revision 4 (10/1/01) Effective 10/1/03 DATA ELEMENT: Building Damage Subject to Policy Exclusions (ACV) ALIAS: None ACRONYM: WYO (CMF) DMG-EXC-B FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Actual cash value of the damage to building items that areexcluded from coverage under the NFIP Standard Flood InsurancePolicy. Refer to the NFIP Standard Flood Insurance Policy forthe building items that are excluded. EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 1 - Less than $ 1,000 2 - $ 1,000 - $ 2,000 3 - $ 2,001 - $ 5,000 4 - $ 5,001 - $10,000 5 - $10,001 - $20,000 6 - More than $20,000 LENGTH: 1 DEPENDENCIES: Information is to be obtained from the adjuster'sreport. SYSTEM FUNCTION: Analysis of Savings Due to Coverage Changes REPORTING REQUIREMENT: Optional Part 4 4-13 Revision 4 (10/1/01) Effective 10/1/03 DATA ELEMENT: Building in Course of Construction Indicator ALIAS: Under Construction Indicator ACRONYM: Direct (PMF) Builders-Risk-IndicatorWYO (PMF) CRSE-CONST FILE: Policy Master (PMF) Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Indicates whether or not the insured building is underconstruction with the builder as the policyholder. EDIT CRITERIA: Alpha, Acceptable Values: Y - Yes N - No LENGTH: 1 DEPENDENCIES: Information is obtained from the Flood Insurance Application. Should not be in conflict with other property indicators such as Primary Residence, Construction Date, Contents Location. SYSTEM FUNCTION: Indicates policy is not assignable. REPORTING REQUIREMENT: Required Part 4 4-14 Revision 4 (10/1/01) Effective 10/1/03 DATA ELEMENT: Cancellation/Voidance Reason ALIAS: Cancellation/Nullification Reason ACRONYM: WYO (PMF) CAN-REASON FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: Flood insurance coverage is terminated mid-term by either canceling ornullifying a policy depending upon the reason for this transaction. Premium refunds are permitted, if applicable, for the current year and1 prior year for all valid reasons. The insured must have maintained continuous NFIP coverage to be eligible for any prior-year premiumrefund. All existing rules concerning the Federal Policy Fee, ExpenseConstant, Probation Surcharge, and producer commission remain ineffect. See the reference chart on page 4-43B for 10/1/2003 changes. 1 & 2. Property Sold or Removed. The insured has sold or transferred ownership of the insured property to another party and nolonger has an insurable interest in the property at thedescribed location, or the insured property or personalproperty has been completely removed from the describedlocation. This reason is also used to cancel a policy when astructure is bought out or demolished according to an approvedFEMA mitigation plan. If the building is sold or removed, TRRP reason 01 is also used if the builder or developer hasrequested to cancel the policy mid-term because a newlycreated association has purchased a policy under its name. Building Sold or Removed. TRRP Reason Code: 01 Number of Policy Years Allowed: 2* Number of Policy Terms Allowed: 2 *The WYO companies are responsible for canceling and returningthe premium up to 3 years of a 3-year policy, if a refund isallowed. Allow up to 6 years in those cases where the currentand prior terms are 3-year terms and the cancellationeffective date is within the prior term. Premium Refund: • Full--Expense Constant, Federal Policy Fee, and ProbationSurcharge are fully refunded. • Pro-Rata--Expense Constant, Federal Policy Fee, andProbation Surcharge are fully earned for cancellationeffective dates prior to 10/1/2003. For cancellation effective dates 10/1/2003 and after, Expense Constant, Federal Policy Fee, and Probation Surcharge are pro-rated. One-Year Term: Cancellation effective date is: • Inception of current or prior term--Full refundincluding Expense Constant, Federal Policy Fee, andProbation Surcharge. Part 4 4-15 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Cancellation/Voidance Reason (Cont'd.) DESCRIPTION: (Cont'd.) • Prior term (mid-term)--Pro-rata refund for prior termand full refund for the current term. • Current term (mid-term)--Use pro-rata refund. Three-Year Term: Cancellation effective date is: • Inception of current or prior term--Full refundincluding Expense Constant, Federal Policy Fee, andProbation Surcharge. • Prior term--Pro-rata refund for prior term and fullrefund for the current term. • Current term (mid-term)--Use pro-rata refund. Open Claim: Policy cannot be canceled. Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Cancellation effective date must be after the loss date. Contents Sold or Removed. TRRP Reason Code: 02 Number of Policy Years Allowed: 2* Number of Policy Terms Allowed: 2 *The WYO companies are responsible for canceling andreturning the premium up to 3 years of a 3-year policy, if a refund is allowed. Allow up to 6 years in thosecases where the current and prior terms are 3-year termsand the cancellation effective date is within the priorterm. Premium Refund: • Full--Expense Constant, Federal Policy Fee, andProbation Surcharge are fully refunded. • Pro-Rata--Expense Constant, Federal Policy Fee, andProbation Surcharge are fully earned for cancellationeffective dates prior to 10/1/2003. For cancellation effective dates 10/1/2003 and after, Expense Constant, Federal Policy Fee, and Probation Surcharge are prorated. One-Year Term: Cancellation effective date is: • Inception of current or prior term--Full refundincluding Expense Constant, Federal Policy Fee, andProbation Surcharge. Part 4 4-16 Revision 4 (10/1/01) Change 5 Effective 10/1/03 DATA ELEMENT: Cancellation/Voidance Reason (Cont'd.) DESCRIPTION: (Cont'd.) • Prior term (mid-term)--Pro-rata refund for prior termand full refund for the current term. • Current term (mid-term)--Use pro-rata refund. Three-Year Term: Cancellation effective date is: • Inception of current or prior term--Full refundincluding Expense Constant, Federal Policy Fee, andProbation Surcharge. • Prior term (mid-term)--Pro-rata refund for prior termand full refund for the current term. • Current term (mid-term )--Use pro-rata refund. Open Claim: Policy cannot be canceled. Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Cancellation effective date must be after the loss date. 3. Policy Canceled and Rewritten to Establish a CommonExpiration Date with Other Insurance Coverage. The new policy must be rewritten within the same company for thesame or higher amounts of coverage. However, if it isrewritten for higher amounts of coverage, the waitingperiod rule will apply. The producer must submit a newApplication and premium. Upon receipt of the new policyDeclarations Page, the producer should requestcancellation of the prior policy. The effective date ofthe cancellation will be the same as the effective date of the new policy. TRRP Reason Code: 03 Number of Policy Years Allowed: 2* Number of Policy Terms Allowed: 2 *The WYO companies are responsible for canceling andreturning the premium up to 3 years of a 3-year policy, if a refund is allowed. Allow up to 6 years in thosecases where the current and prior terms are both 3-yearterms and the cancellation effective date is within the prior term. Part 4 4-17 Revision 4 (10/1/01) Effective 5/1/99 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) Premium Refund: • Full--Expense Constant, Federal Policy Fee, andProbation Surcharge are fully refunded. • Pro-Rata--Expense Constant, Federal Policy Fee, andProbation Surcharge are pro-rated. One-Year Term: Cancellation effective date is: • Inception of current or prior term--Full refundincluding Expense Constant, Federal Policy Fee, andProbation Surcharge. • Prior term (mid-term)--Pro-rata refund for prior termand full refund for the current term. • Current year (mid-term)--Use pro-rata refund. Three-Year Term: Cancellation effective date is: • Inception of current or prior term--Full refundincluding Expense Constant, Federal Policy Fee, andProbation Surcharge. • Prior term (mid-term)--Pro-rata refund for prior termand full refund for the current term. • Current term (mid-term)--Use pro-rata refund. Open Claim: Policy cannot be canceled. Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Cancellation effective date must be after the loss date. 4. Duplicate NFIP Policies. When a duplicate NFIP policyhas been issued, only one policy can remain in effect. The insured can choose which policy is to remain ineffect and which policy is to be canceled. This does not apply when there has been a deliberate creation ofduplicate policies. If this event does occur, the policywith the later effective date must be canceled. Losses occurring under such circumstances will be adjustedaccording to the terms and conditions of the firstpolicy. Part 4 4-18 Revision 4 (10/1/01) Change 4 Effective 5/1/03 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) When coverage has been force-placed by a lender using aconventionally written standard policy because the requiredunderwriting information is available, that policy isconsidered equivalent to the MPPP policy. The WYO companyis authorized to cancel the standard (force-placed) or theMPPP policy, provided that a copy of the force-placementletter from the mortgagee is submitted with theCancellation/Nullification Request Form. Part 4 4-18A Revision 4 (10/1/01) Change 7 Effective 5/1/05 This page is intentionally left blank. Part 4 4-18B Revision 4 (10/1/01) Change 4 Effective 5/1/03 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) A pro rata refund or a full return of the premium(including Expense Constant, Federal Policy Fee, andProbation Surcharge) shall be made for the policy beingcanceled, backdated to the inception of duplicatecoverage subject to the 6-year statute of limitations. TRRP Reason Code: 04 Number of Policy Years Allowed: 2* Number of Policy Terms Allowed: 2 *The WYO companies are responsible for canceling andreturning the premium up to 3 years of a 3-year policy, if a refund is allowed. Allow up to 4 years in thosecases where the current term is a 3-year term and thecancellation effective date is prior term. Premium Refund: • Full--Return all premiums including Expense Constant, Federal Policy Fee, and Probation Surcharge. • Pro-Rata--Pro-rata refund of all premiums includingExpense Constant, Federal Policy Fee, and ProbationSurcharge. One-Year Term: Cancellation effective date is: • Inception of current or prior term--Full refundincluding Expense Constant, Federal Policy Fee, andProbation Surcharge. • Prior term (mid-term)--Pro-rata refund for prior termand full refund for the current term. • Current term (mid-term)--Use pro-rata refund. Three-Year Term: Cancellation effective date is: • Inception of current or prior term--Full refundincluding Expense Constant, Federal Policy Fee, andProbation Surcharge. • Prior term (mid-term)--Pro-rata refund for prior termand full refund for current term. • Current term (mid term)--Use pro-rata refund. Open Claim: Policy cannot be canceled. Part 4 4-19 Revision 4 (10/1/01) Change 4 Effective 5/1/03 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Cancellation effective date must be after the loss date. NOTE: According to FIMA rules, a policy may be canceledback to the inception date of the policy, subjectto the 6-year statute of limitations. The WYO companies are responsible for canceling andreturning the premium for the current and 1 priorpolicy year, provided that it was the insurer forthat period. If another NFIP insurer was the insurer for the prior policy year, the insurer forthat year will be responsible for refunding thepremium. The NFIP Bureau and Statistical Agent will refundthe premiums for the additional prior years beyondthe current year and 1 prior policy year. 5 & 11. Nonpayment. When a producer accepts a premium paymentfrom a client and then submits an agency check to theNFIP with the application, the policy may be nullified ifthe client’s check to the agent is not good or is notmade good to the agent. If the agent can document this, full premium refund is provided to the agent. If a WYO company has covered the premium for a prospective insuredand then does not receive payment, the policy can benullified. Note: TRRP reason code ‘11’ is no longer valid. TRRP Reason Code: 05 Number of Policy Years Allowed: 1* Number of Policy Terms Allowed: 1 *The WYO companies are responsible for canceling andreturning the premium up to 3 years of a 3-year policy, if a refund is allowed. Premium Refund: • Full--Return all premiums including Expense Constant, Federal Policy Fee, and Probation Surcharge. • Pro-Rata--N/A Part 4 4-20 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) One-Year Term: Cancellation effective date is: • Prior year--N/A • Current year--Use full refund. Three-Year Term: Cancellation effective date is: • Prior term--N/A • Current term--Use full refund. Open Claim: Policy cannot be canceled. Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Policy cannot be canceled. NOTE: Cancellation effective date must be the same as the current policy term effective date. 6. Risk Not Eligible for Coverage. This is used to nullifya policy when an application was submitted and a policyissued on a property not eligible for coverage. A clear and precise explanation must be included when submittingthis type of cancellation request. Examples include (1) property not located in a community participating in theNFIP (an incorrect community number allowed policy to beissued), (2) contents are located in an open building, or (3) the property is a camping trailer and not amanufactured (mobile) home. TRRP Reason Code: 06 Number of Policy Years Allowed: 2* Number of Policy Terms Allowed: 2 *The WYO companies are responsible for canceling andreturning the premium up to 3 years of a 3-year policyif a refund is allowed. Premium Refund: • Full--Return all premiums including Expense Constant, Federal Policy Fee, and Probation Surcharge. • Pro-Rata--N/A One-Year Term: Cancellation effective date is: • Inception of the current or prior term--Use fullrefund. • Current term (mid-term)--N/A Part 4 4-21 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) Three-Year Term: Cancellation effective date is: • Inception of the current or prior term--Use fullrefund. • Current term--Use full refund. Open Claim: Policy cannot be canceled. Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Policy cannot be canceled. NOTE: According to FIMA rules, a policy may be canceled back to the inception date of thepolicy. The WYO companies are responsible forcanceling and returning the premium for thecurrent and 1 prior policy year, provided thatit was the insurer for that period. If another NFIP insurer was the insurer for the priorpolicy year, the insurer for that year will beresponsible for refunding the premium. The NFIP Bureau and Statistical Agent willrefund the premiums for the additional prioryears beyond the current and 1 prior policyyear. NOTE: Cancellation effective date must be the same as the current or prior term policy effective date. 8. Property Closing Did Not Occur. This reason is used to nullify a policy when a policy is issued for a closingat the time of settlement on a property and thetransfer of the property does not take place. The client does not actually acquire an insurable interestin the property. TRRP Reason Code: 08 Number of Policy Years Allowed: 2* Number of Policy Terms Allowed: 2 *The WYO companies are responsible for canceling andreturning the premium up to 3 years of a 3-year policy, if a refund is allowed. Premium Refund: • Full--Return all premiums including Expense Constant, Federal Policy Fee, and Probation Surcharge. • Pro-Rata--N/A Part 4 4-22 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) One-Year Term: Cancellation effective date is: • Inception of the current or prior term--Full refundincluding Expense Constant, Federal Policy Fee, andProbation Surcharge. • Current term (mid-term)--N/A Three-Year Term: Cancellation effective date is: • Inception of the current or prior term--Full refundincluding Expense Constant, Federal Policy Fee, andProbation Surcharge. • Current term (mid-term)--N/AOpen Claim: Policy cannot be canceled. Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Policy cannot be canceled. 9. Insurance No Longer Required by Mortgagee Because Property Is No Longer Located in a Special Flood Hazard Area Due to Physical Map Revision. Flood insurance was initially required by the mortgagee or other lender because the property was determined to be in a Special Flood Hazard Area (SFHA). Following a map revision, if the property is no longer located in an SFHA, a policy may be canceled provided the mortgagee confirms in writing that (1) the insurance was required as part of the mortgage and (2) the lender no longer requires the flood insurance policy. If no claim has been paid or is pending, premium shallbe refunded for the current policy year, and for anadditional policy year in those cases where the insuredhad been required to renew the policy during the periodwhen a revised map was being reprinted. In case of a 3-year policy, pro-rata refund applies ifthe effective date of a map revision is within the thirdyear of a 3-year policy. The refund should be calculated by refunding the current year and 1 prioryear. Note: RCBAP policies require a release from themortgagee of every unit owner in the association or astatement of the unit owner, if no mortgagee. Only afterthis requirement is met can the policy be canceled. TRRP Reason Code: 09 Number of Policy Years Allowed: 2* Number of Policy Terms Allowed: 2 Part 4 4-23 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) *The WYO companies are responsible for canceling andreturning the premium up to 3 years of a 3-year policy, if a refund is allowed. Allow up to 6 years in thosecases where the current term is a 3-year term and thecancellation effective date is within the prior term. Premium Refund: • Full--Return all premiums including Expense Constant, Federal Policy Fee, and Probation Surcharge. • Pro-Rata--Mid-term cancellation on 3-year policy. Expense Constant, Federal Policy Fee, and ProbationSurcharge are fully earned. One-Year Term: Cancellation effective date is: • Inception of the current or prior term--Full refundincluding Expense Constant, Federal Policy Fee, andProbation Surcharge. • Prior term (mid-term)--Use full refund for both terms. • Current term (mid-term)--Use full refund. Three-Year Term: Cancellation effective date is: • Inception of the current or prior term--Full refundincluding Expense Constant, Federal Policy Fee, andProbation Surcharge. • Prior term (mid-term)--Pro-rata refund for the priorterm and full refund for the current term. • Current term (mid-term)--Use full refund if thecancellation effective date is within the first or second year. Use pro-rata refund if the cancellationeffective date is within the third year. Open Claim: Policy cannot be canceled. Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Policy cannot be canceled. 10. OTHER: Continuous Lake Flooding or Closed Basin Lakes. Effective May 1, 2000, this cancellation code is usedfor continuous lake flooding or closed basin lakes. The cancellation can be for only one term of a policy. The cancellation effective date must be after the date of loss, and no premium refund is allowed. Part 4 4-24 Revision 4 (10/1/01) Effective 5/1/00 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) Prior to May 1, 2000, this code was used for situationsnot addressed by any other cancellation/voidance reason. TRRP Reason Code: 10 Number of Policy Years Allowed: 1 Number of Policy Terms Allowed: 1 Premium Refund: • Full--N/A • Pro-Rata (mid-term)--N/A One-Year Term: Cancellation effective date is: • Prior term--N/A • Current term--No refund allowed. Three-Year Term: Cancellation effective date is: • Prior term--N/A • Current term--No refund allowed. Open Claim: Policy cannot be canceled. Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Policy can be canceled. Cancellation effective date must be after the date of loss. 16. Insurance No Longer Required Based on FEMA Review ofLender's Special Flood Hazard Area Determination. Flood insurance was initially required by the mortgagee or otherlender because the property was determined to be in aSpecial Flood Hazard Area (SFHA). Following a review withFEMA under the Flood Disaster Protection Act of 1973, asamended, FEMA issued a Letter of Determination Review(LODR) because the building or manufactured (mobile) homeis not in an SFHA and insurance is not required. The NFIP policy may be canceled back to inception. This cancellation reason can only be used if the requestfrom the borrower and lender was sent to FEMA for a LODR within 45 days from the lender’s notification to theborrower that the building is in an SFHA and that floodinsurance is required. If the insured submits a copy of FEMA's LODR and astatement from the lender that flood insurance is not required, a full refund, including the Expense Constant, Federal Policy Fee, and Probation Surcharge, will beissued, providing no claim has been paid or is pending. TRRP Reason Code: 16 Number of Policy Years Allowed: 1* Number of Policy Terms Allowed: 1 Part 4 4-25 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) *The WYO companies are responsible for canceling andreturning the premium up to 3 years of a 3-year policy, if a refund is allowed. Premium Refund: • Full--Cancellation date is the inception date of thecurrent term. Return all premiums including ExpenseConstant, Federal Policy Fee, and Probation Surcharge. • Pro-Rata--N/A One-Year Term: Cancellation effective date is: • Prior term--N/A • Current term--Use full refund. Three-Year Term: Cancellation effective date is: • Prior term--N/A • Current term--Use full refund. Open Claim: Policy cannot be canceled. Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Policy cannot be canceled. 17. Duplicate Policies from Sources Other Than the NFIP. This reason code is used to cancel an NFIP policy when a duplicate policy has been obtained from sources other than the NFIP. The duplicate policy must have become effective on May 1, 1999 or later. A statement from the mortgagee, if any, accepting the non-NFIP policy as replacement will be required. The premium will be calculated pro-rata less Expense Constant, Federal Policy Fee, and Probation Surcharge. TRRP Reason Code: 17 Number of Policy Years Allowed: 2* Number of Policy Terms Allowed: 1 *The WYO companies are responsible for canceling andreturning the premium up to 2 years of a 3-year policy, if a refund is allowed. Premium Refund: • Full Refund--Full refund including Expense Constant, Federal Policy Fee, and Probation Surcharge. • Pro-Rata--Expense Constant, Federal Policy Fee, andProbation Surcharge are fully earned for cancellationeffective dates prior to 10/1/2003. For cancellation effective dates 10/1/2003 and after, Expense Constant, Federal Policy Fee, and Probation Surcharge are prorated. Part 4 4-26 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) One-Year Term: Cancellation effective date is: • Current term--Use pro-rata refund. • Prior term--N/A Three-Year Term: Cancellation effective date is: • Current or prior term--Use pro-rata refund. • Prior term--N/A Open Claim: Policy cannot be canceled. Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Policy cannot be canceled. 18. Mid-Term Cancellation of a 3-Year Policy to Obtain ICCCoverage. The mid-term cancellation is effective at the end of the policy year in which the replacement policyis obtained. This reason code is no longer available for cancellationdates 5/1/2003 and after. TRRP Reason Code: 18 Number of Policy Years Allowed: 2* Number of Policy Terms Allowed: 1 *The WYO companies are responsible for canceling andreturning the premium up to 2 years of a 3-year policy, if a refund is allowed. Premium Refund: • Pro-Rata--Pro-rata refund of all premiums includingExpense Constant, Federal Policy Fee, and ProbationSurcharge. One-Year Term: Cancellation effective date is: • Prior term--N/A • Current term--N/A Three-Year Term: Cancellation effective date is: • Prior term--N/A • Current term (anniversary date)--Use pro-rata refund. Open Claim: Policy cannot be canceled. Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Cancellation effective date must be on an anniversary date and after the date ofloss. Part 4 4-27 Revision 4 (10/1/01) Change 6 Effective 5/1/04 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) 19. Mortgage Paid Off on a Mortgage Portfolio Protection Program (MPPP) Policy. This reason code is used to cancel an MPPP policy after the mortgage is paid off. A statement from the mortgage company to this effect mustbe attached to the "Cancellation/Nullification Request" form. The premium refund will be calculated less ExpenseConstant, Federal Policy Fee, and Probation Surcharge.This reason code is no longer available after May 1,1999. Refer to TRRP Cancellation Reason Code 52. Premium Refund: • Full--Expense Constant, Federal Policy Fee, andProbation Surcharge are fully refunded. • Pro-Rata--Expense Constant, Federal Policy Fee, andProbation Surcharge are fully earned. One-Year Term: Cancellation effective date is: • Inception of current term--Full refund includingExpense Constant, Federal Policy Fee, andProbation Surcharge. • Prior term (mid-term)--N/A • Current term (mid-term)--Use pro-rata refund. Three-Year Term: Cancellation effective date is: • Prior term--N/A • Current term (mid-term)--N/A Open Claim: Policy cannot be canceled. Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Policy cannot be canceled. 20. Insurance No Longer Required by the Mortgagee Becausethe Structure Has Been Removed from the Special FloodHazard Area (SFHA) by Means of Letter of Map Amendment(LOMA) or Letter of Map Revision (LOMR). Where flood insurance was required by the mortgagee or other lenderbecause the property was determined to be in an SFHA, and it is later determined that the property is nolonger located in an SFHA through the issuance of a LOMAor LOMR, the policy can be canceled provided the lenderconfirms in writing that (1) the insurance was requiredby the lender and that (2) the lender no longer requires Part 4 4-28 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) the retention of the flood insurance. A copy of theLOMA or LOMR must accompany this request. If no claim has been paid or is pending during thepolicy year that is being cancelled, a full refund ofthe premium (including Expense Constant, Federal PolicyFee, and Probation Surcharge) will be made for thepolicy being canceled, backdated to the beginning of thepolicy year in which the LOMA or LOMR became effective. In the case of a 3-year policy, pro-rata refund(including Expense Constant, Federal Policy Fee, andProbation Surcharge) applies only if the effective dateof a LOMA or LOMR is within the second or third year ofa 3-year policy. The refund should be calculated byrefunding the remaining years of the policy term. Note: RCBAP policies require a release from themortgagee of every unit owner in the association or astatement of the unit owner, if no mortgagee. Only afterthis requirement is met can the policy be canceled. TRRP Reason Code: 20 Number of Policy Years Allowed: 2* Number of Policy Terms Allowed: 2 *The WYO companies are responsible for canceling andreturning the premium up to 3 years of a 3-year policy, if a refund is allowed. Allow up to 6 years in thosecases where the current term is a 3-year term and thecancellation effective date is within the prior term. Premium Refund: • Full--Return all premiums including Expense Constant, Federal Policy Fee, and Probation Surcharge. • Pro-Rata--Mid-term cancellation is allowed only on a 3-year policy. A pro-rata refund of the premium (including Expense Constant, Federal Policy Fee, and Probation Surcharge) is provided if the effective date of a LOMA or LOMR is within the second or third year of a 3-year policy. One-Year Term: Cancellation effective date is: • Inception of the current or prior term--Full refundincluding Expense Constant, Federal Policy Fee, andProbation Surcharge. • Prior term (mid-term)--Use full refund for both terms. • Current term (mid-term)--Use full refund. Part 4 4-29 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) Three-Year Term: Cancellation effective date is: • Inception of the current or prior term--Full refundincluding Expense Constant, Federal Policy Fee, andProbation Surcharge. • Prior term (mid-term)--Pro-rata refund for the priorterm and full refund for the current term. • Current term (mid-term)--Use full refund if thecancellation effective date is within the first year. Use pro-rata refund if the cancellation effective dateis within the second year or third year. Open Claim: Policy cannot be canceled. Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Policy cannot be canceled. 21. Policy Was Written to the Wrong Facility (Repetitive Loss Target Group). This reason is used to cancel a policy flat when coverage was inadvertently written to the wrong facility on those structures that were identified as part of the Repetitive Loss Target Group. A full refund of premium including the Expense Constant, Federal Policy Fee, and Probation Surcharge is provided. The cancellation effective date must be the same as the policy effective date. TRRP Reason Code: 21 Number of Policy Years Allowed: 1 Number of Policy Terms Allowed: 1 Premium Refund: • Full--Return all premiums including Expense Constant, Federal Policy Fee, and Probation Surcharge. • Pro-Rata--N/A One-Year Term: Cancellation effective date is: • Inception of the current term--Use full refund. • Current term (mid-term)--N/A Three-Year Term: N/A Part 4 4-30 Revision 4 (10/1/01) Effective 5/1/00 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) Open Claim: Policy cannot be canceled. Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Policy cannot be canceled. NOTE: Cancellation effective date must be the same as the current term policy effective date. 22. Cancel/Rewrite Due to Misrating. This reason code is used to cancel and rewrite policies that are misrated. The code should also be used when MPPP policies arecanceled and rewritten and when changes are made due tosystem constraints. Refunds resulting from thecancellation must be applied to the rewritten policyprior to any refund being generated. Use New/RenewalIndicator ‘Z’ to report the new policy. Reason code ‘22’ should not be used when converting a standard ratedpolicy to a PRP as a result of a map revision, LOMA, orLOMR (see reason code ‘24’). TRRP Reason Code: 22 Number of Policy Years Allowed: 6* Number of Policy Terms Allowed: 6 *Refunds beyond 2 years must be submitted to the NFIPBureau and Statistical Agent. NOTE: A policy written in error as a standard B, C, or XZone policy but found to be eligible as a PRP atthe beginning of the current term may be canceledand rewritten only for the current term. Premium Refund: • Full–-Expense Constant, Federal Policy Fee, andProbation Surcharge are fully refunded. • Pro-Rata–-N/A One-Year Term: Cancellation effective date is: • Prior term–-Full refund • Current term–-Full refund Three-Year Term: N/A Open Claim: Policy cannot be canceled. Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Policy cannot be canceled. 23. Fraud. This reason code is used when fraud has been determined. No premium refunds are allowed with thisreason code. The agent will be allowed to retain thefull commission and the company’s expense allowance willnot be reduced. Part 4 4-31 Revision 4 (10/1/01) Change 6.1 Effective 2/1/05 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) TRRP Reason Code: 23 Number of Policy Years Allowed: 1 Number of Policy Terms Allowed: 1 Premium Refund: • Full–-N/A • Pro-Rata–-N/A One-Year Term: Cancellation effective date is: • Prior term–-N/A • Current term–-N/A Three-Year Term: N/A Open Claim: Policy can be canceled. Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Policy can be canceled. 24. Cancel/Rewrite Due to Map Revision. This reason code is used to cancel and rewrite a standard flood insurance policy to a PRP as the result of a map revision, LOMA, or LOMR. The standard policy will be canceled andrewritten as a PRP as of inception. Use New/RenewalIndicator ‘Z’ to report the new policy. Premium from the canceled policy will be applied to the PRP with thedifference refunded to the policyholder. No 30-daywaiting period will apply to the PRP. The WYO companywill retain the full expense allowance from the canceledstandard policy and be credited with the expenseallowance on the new PRP. The NFIP Direct business agent will retain the full commission from the canceledstandard policy and be credited with the commission onthe new PRP. This rule applies to the current policyyear and one prior year provided that the effective dateof the map revision or LOMA/LOMR occurred during theprior year. TRRP Reason Code: 24 Number of Policy Years Allowed: 2 Number of Policy Terms Allowed: 2 Premium Refund: • Full—Expense Constant, Federal Policy Fee, andProbation Surcharge are fully refunded. • Pro-Rata--N/A Part 4 4-31A Revision 4 (10/1/01) Change 6.1 Effective 2/1/05 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) One-Year Term: Cancellation effective date is: • Inception of the current or prior term--Full refund Three-Year Term: N/A Open Claim: Policy cannot be canceled. Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Policy cannot be canceled. 45. Condominium Policy (Unit or Association) Converting toRCBAP. This provides a means to cancel a condominiumpolicy because coverage is being provided under anRCBAP. Duplicate coverage occurs when the unit ownerpolicy and the RCBAP limits are more than the cost ofthe unit, up to the maximum limits of the Program. TRRP Reason Code: 45 Number of Policy Years Allowed: 2* Number of Policy Terms Allowed: 2 *The WYO companies are responsible for canceling andreturning the premium up to 6 years of a 3-year policy, if a refund is allowed. Premium Refund: • Full--Return all premiums including Expense Constant, Federal Policy Fee, and Probation Surcharge. • Pro-Rata--Mid-term cancellation of a 1-year or 3-yearpolicy. Pro-rata calculations of all premiumsincluding Expense Constant, Federal Policy Fee, andProbation Surcharge. One-Year Term: Cancellation effective date is: • Inception of prior or current term--Full refundincluding Expense Constant, Federal Policy Fee, andProbation Surcharge. • Prior term (mid-term)--Pro-rata refund for prior yearand full refund for the current year. • Current term (mid-term)--Use pro-rata refund. Three-Year Term: Cancellation effective date is: • Inception of prior or current term--Full refundincluding Expense Constant, Federal Policy Fee, andProbation Surcharge. Part 4 4-31B Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) • Prior term (mid-term)--Pro-rata refund for prior termand full refund for the current term. • Current term (mid-term)-- Use pro-rata refund. Open Claim: Policy cannot be canceled. Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Cancellation effective date must be after the loss date. NOTE: According to FIMA rules, a policy may be canceled backto the inception date of the policy, subject to the 6year statute of limitations. The WYO companies areresponsible for canceling and returning the premiumfor the current and 1 prior policy year, provided thatit was the insurer for that period. If another NFIP insurer was the insurer for the prior policy year, theinsurer for that year will be responsible forrefunding the premium. The NFIP Bureau and Statistical Agent will refundthe premiums for the additional prior years beyondthe current and 1 prior policy year. 50. Policy Not Required by Mortgagee. This provides a meansto cancel a policy when coverage was required by the mortgageefor a closing and it was determined that the property was notlocated in a Special Flood Hazard Area (SFHA). As a result, coverage was not required by the mortgagee. The mortgagee’sstatement to this effect must be attached to the Cancellation/Nullification Request Form. This cancellationreason can be used only if the cancellation request was madeduring the initial policy term. The cancellation effective date is the date the cancellation request is received by thewriting company. A revised determination from the lender maybe used to cancel the policy. A FEMA Out-As-Showndetermination, as a result of a LOMA application, is needed ifthere is a discrepancy between the lender’s and the insured’sdeterminations. TRRP Reason Code: 50 Number of Policy Years Allowed: 1 Number of Policy Terms Allowed: 1 Premium Refund: • Full--Return all premiums including Expense Constant, Federal Policy Fee, and Probation Surcharge, if thecancellation effective date is the inception of theinitial term. Part 4 4-32 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) • Pro-Rata--For cancellation dates 10/1/2003 and after, prorated refund including Expense Constant, FederalPolicy Fee, and Probation Surcharge. One-Year Term: Cancellation effective date is: • Prior year--N/A • Current year--Use full refund for cancellationeffective dates prior to 10/1/2003. For 10/1/2003 andafter, use pro-rated. Open Claim: Policy cannot be canceled. Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Policy cannot be canceled. 51. Mid-Term Voidance of 3-Year Policy Due to Cessation ofCommunity Participation in the NFIP. The voidance is effective at the end of the policy year in which thecessation occurs. This reason code is no longer available for cancellationdates 5/1/2003 and after. TRRP Reason Code: 51 Number of Policy Years Allowed: 2* Number of Policy Terms Allowed: 1 *The WYO companies are responsible for canceling andreturning the premium up to 2 years of a 3-year policy, if a refund is allowed. Premium Refund: • Pro-Rata--Cancellation date is mid-term (anniversarydate). Expense Constant, Federal Policy Fee, andProbation Surcharge are fully earned. One-Year Term: Cancellation effective date is: • Prior term--N/A • Current term--N/A Three-Year Term: Cancellation effective date is: • Prior term--N/A Part 4 4-33 Revision 4 (10/1/01) Change 5 Effective 10/1/03 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) • Current term (anniversary date)--Use pro-rata refund. Open Claim: Policy cannot be canceled. Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Cancellation effective date must be on an anniversary date and after the loss date. 52. Mortgage Paid Off. This reason is used to cancel a policy that was obtained due to a requirement by amortgagee or lender as a condition of a mortgage loanand that mortgage loan has now been paid off. A statement from the mortgagee that the mortgage has beenpaid off and that flood insurance was required as partof the mortgage must be attached to the Cancellation/ Nullification Request Form. If the cancellation date isthe same as the effective date of the current policyterm, a full premium refund is provided if no claim hasbeen paid or is pending. TRRP Reason Code: 52 Number of Policy Years Allowed: 2* Number of Policy Terms Allowed: 1 *The WYO companies are responsible for canceling andreturning the premium up to 2 years of a 3-year policy, if a refund is allowed. Premium Refund: • Full--Expense Constant, Federal Policy Fee, andProbation Surcharge are fully refunded. • Pro-Rata--Expense Constant, Federal Policy Fee, and Probation Surcharge are fully earned for cancellation effective dates prior to 10/1/2003. For cancellation effective dates 10/1/2003 and after, Expense Constant, Federal Policy Fee, and Probation Surcharge are prorated. One-Year Term: Cancellation effective date is: • Inception of current term--Full refund includingExpense Constant, Federal Policy Fee, and ProbationSurcharge. • Prior term--N/A • Current term (mid-term)--Use pro-rata refund. Three-Year Term: Cancellation effective date is: • Prior term--N/A • Current term-–Use pro-rata refund. Part 4 4-34 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) Open Claim: Policy cannot be canceled. Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Policy cannot be canceled. 60. Voidance Prior to Effective Date. This reason is used when coverage is not mandatory and a policyholder decidesduring the 30-day waiting period, or prior to theeffective date of a renewal, not to take the policy aftersubmitting a premium payment. TRRP Reason Code: 60 Number of Policy Years Allowed: 1* Number of Policy Terms Allowed: 1 *The WYO companies are responsible for canceling andreturning the premium up to 3 years of a 3-year policy, ifa refund is allowed. Premium Refund: • Full--Return all premiums including Expense Constant, Federal Policy Fee, and Probation Surcharge. • Pro-Rata--N/A One-Year Term: Cancellation effective date is: • Prior term--N/A • Current term--Use full refund. Three-Year Term: Cancellation effective date is: • Prior term--N/A • • Current term--Use full refund. Open Claim: Policy cannot be canceled. Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Policy cannot be canceled. 70. Voidance Due to Credit Card Error. This reason is used when an error or billing dispute occurs (processing erroror fraud) on a credit card payment. TRRP Reason Code: 70 Number of Policy Years Allowed: 1* Number of Policy Terms Allowed: 1 *The WYO companies are responsible for canceling andreturning the premium up to 3 years of a 3-year policy, ifa refund is allowed. Part 4 4-35 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) Premium Refund: • Full--Return all premiums including Expense Constant, Federal Policy Fee, and Probation Surcharge. • Pro-Rata--N/A One-Year Term: Cancellation effective date is: • Prior term--N/A • Current term--Use full refund. Three-Year Term: Cancellation effective date is: • Prior term--N/A • Current term--Use full refund. Open Claim: Policy cannot be canceled. Closed Claim without Payment: Policy can be canceled. Closed Claim with Payment: Policy cannot be canceled. EXAMPLES OF PREMIUM REFUND AND EXPENSE ALLOWANCE CALCULATIONS All Cases: It is assumed that the WYO company has deposited thenet premium and Federal Policy Fee (FPF) to therestricted account and is paying premium refunds fromthat account. The expense allowance of 32.9 percent used in theexamples is based on the 1997-98 Arrangement, forthose companies achieving a 10% growth rate, and issubject to change. Such a change would also affectthe "Difference between Expense Allowance andCommission Percentages." However, the logic of thecalculations would remain the same. The Federal Policy Fee went into effect June 1, 1991. For calculating refunds on policies effective prior toJune 1, 1991, the following examples still apply byusing a Federal Policy Fee of zero dollars. The Federal Policy Fee used in these examples is $30.00and is subject to change. Additionally, the ExpenseConstant used in these examples is $50.00 and issubject to change. Once again, the logic of thecalculations remains the same. Part 4 4-36 Revision 4 (10/1/01) Effective 5/1/97 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) In all calculations, the community ProbationSurcharge should be included as part of the ExpenseConstant. Written Premium (including $50 Expense Constant) plus$30 Federal Policy fee = $320. Cases I, II, III, VI, VIII: Cancellation effective halfwaythrough 1-year policy term Cases VII, X: Cancellation effective at second anniversary date of 3-year policy term Cases IV, V, IX, XII: Cancellation effective on policy term effective date Case XI: Cancellation effective at the beginning of the term ormid-term Case I: Reasons 1 and 2 with cancellation dates before 10/1/2003. See Case III for cancellation dates on or after 10/1/2003. a) Calculation of Refund to Insured: Written Premium and FPF $ 320.00 less Expense Constant -50.00 less Federal Policy Fee -30.00 Refund to Insured $ 240.00 Times Pro-rata Cancellation Factor x .5 $ 120.00 b) Calculation of Expense Allowance Retained by WYO Company: Written Premium and Federal Policy Fee $ 320.00 less Federal Policy Fee -30.00 less Premium Refund to Insured -120.00 Retained Written Premium subject toExpense Allowance $ 170.00 Expense Allowance Percentage x 32.9% Expense Allowance Subtotal $ 55.93 Premium Refund to Insured $ 120.00 Agent Commission Percentage x 15.0% Allowance for Agent Commission $ 18.00 Total Expense Allowance Retained $ 73.93 Part 4 4-37 Revision 4 (10/1/01) Change 6.1 Effective 2/1/05 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) c) Calculation of Expense Allowance Returned by WYO Company to NFIP: Premium Refund to Insured $ 120.00 Difference between Expense Allowance andCommission Percentages x 17.9% Expense Allowance Returned $ 21.48 Case II: Reason 52 with cancellation dates before 10/1/2003.See Case III for cancellation dates on or after 10/1/2003. a) Calculation of Refund to Insured: Written Premium and FPF $ 320.00 less Expense Constant -50.00 less Federal Policy Fee -30.00 $ 240.00 Times Pro-rata Cancellation Factor x .5 Refund to Insured $ 120.00 b) Calculation of Expense Allowance Retained by WYO Company: Written Premium and Federal Policy Fee $ 320.00 less Federal Policy Fee -30.00 less Premium Refund to Insured -120.00 Retained Written Premium subject toExpense Allowance $ 170.00 Expense Allowance Percentage x 32.9% Total Expense Allowance Retained $ 55.93 c) Calculation of Expense Allowance Returned by WYO Company to NFIP: Premium Refund to Insured $ 120.00 Expense Allowance Percentage x 32.9% Expense Allowance Returned $ 39.48 Case III: Reasons 3, 4 or 18; for reasons 1, 2, 17, 45, 50, and52 with cancellation dates 10/1/2003 and after. a) Calculation of Refund to Insured: Written Premium and Federal Policy Fee $ 320.00 Times Pro-rata Cancellation Factor x .5 Refund to Insured $ 160.00 b) Calculation of Expense Allowance Retained by WYO Company: Written Premium and Federal Policy Fee $ 320.00 less Federal Policy Fee -30.00 Times Pro-rata Cancellation Factor $ 290 x .5 Premium subject to Expense Allowance $ 145.00 Expense Allowance Percentage x 32.9% Expense Allowance Subtotal $ 47.71 Part 4 4-38 Revision 4 (10/1/01) Change 5 Effective 10/1/03 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) c) Calculation of Expense Allowance Returned by WYO Company to NFIP: Refund to Insured $ 160.00 less refunded portion of Federal PolicyFee ($30.00 x 1/2) -15.00 $ 145.00 Expense Allowance Percentages x 32.9% Expense Allowance Returned $ 47.70 Case IV: Reasons 5, 6, 8, 16, 21, 22*, 60, and 70 a) Full refund given to insured or, for Reason 5, to agent or company as appropriate. b) No expense allowance retained by WYO Company. c) Full expense allowance returned to NFIP. *For reason 22, refunds resulting from the cancellation mustbe applied to the rewritten policy prior to any refund beinggenerated. Case V: Reason 9; Reason 20 with cancellation dates 10/1/2003 and after. a) Calculation of Refund to Insured: Written Premium and Federal Policy Fee $ 320.00 Refund to Insured $ 320.00 b) Calculation of Expense Allowance Retained by WYO Company: Refund to Insured $ 320.00 less Federal Policy Fee -30.00 Written Premium subject to AgentCommission $ 290.00 Agent Commission Percentage x 15.0% Agent Commission Allowance $ 43.50 c) Calculation of Expense Allowance Returned by WYO Company to NFIP: Refund to Insured $ 320.00 less Federal Policy Fee -30.00 Premium subject to Expense Allowance $ 290.00 Difference between Expense Allowance andCommission Percentages x 17.9% Expense Allowance Returned $ 51.91 Case VI: Reasons 10 and 23 a) No premium refund to Insured Part 4 4-39 Revision 4 (10/1/01) Change 5 Effective 10/1/03 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) b) Calculation of Expense Allowance Retained by WYO Company: Written Premium and Federal Policy Fee $ 320.00 less Federal Policy Fee -30.00 Premium subject to Expense Allowance $ 290.00 Expense Allowance Percentage x 32.9% Expense Allowance Subtotal $ 95.41 c) No expense allowance returned to the NFIP Case VII: Reason 17 with cancellation dates before 10/1/2003. See Case III for cancellation effective dates on or after 10/1/2003. In this example case, the policy voidance is effective on thesecond anniversary of the policy effective date. a) Calculation of Refund to Insured: Written Premium and FPF $ 320.00 less Expense Constant -50.00 less Federal Policy Fee -30.00 $ 240.00 x 33% Refund to Insured $ 80.00 b) Calculation of Expense Allowance Retained by WYO Company: Written Premium and Federal Policy Fee $ 320.00 less Federal Policy Fee -30.00 less Premium Refund to Insured -80.00 Retained Written Premium subject toExpense Allowance $ 210.00 Expense Allowance Percentage x 32.9% Expense Allowance Retained $ 69.09 c) Calculation of Expense Allowance Returned by WYO Company to NFIP: Premium Refund to Insured $ 80.00 Expense Allowance Percentage x 32.9% Expense Allowance Returned $ 26.32 Case VIII: Reason 45 for cancellation dates before 10/1/2003. See Case III for cancellation effective dates on or after 10/1/2003. a) Calculation of Refund to Insured: Written Premium and Federal Policy Fee $ 320.00 Times Pro-rata Cancellation Factor x .5 Refund to Insured $ 160.00 Part 4 4-40 Revision 4 (10/1/01) Change 5 Effective 10/1/03 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) b) Calculation of Expense Allowance Retained by WYO Company: Written Premium and Federal Policy Fee $ 320.00 less Federal Policy Fee -30.00 Times Pro-rata Cancellation Factor $ 290 x .5 Premium subject to Expense Allowance $ 145.00 Expense Allowance Percentage x 32.9% Expense Allowance Subtotal $ 47.71 Refund to Insured $ 160.00 less refunded portion of FederalPolicy Fee ($30.00 x .5) -15.00 $ 145.00 Agent Commission Percentage x 15.0% Allowance for Agent Commission $ 21.75 Total Expense Allowance Retained $ 69.46 c) Calculation of Expense Allowance Returned by WYO Company to NFIP: Refund to Insured $ 160.00 less refunded portion of FederalPolicy Fee ($30.00 x .5) -15.00 $ 145.00 Difference between Expense Allowance and Commission Percentages x 17.9% Expense Allowance Returned $ 25.96 Case IX: Reason 50 with cancellation dates before 10/1/2003. See Case III for cancellation dates on or after 10/1/2003. a) Calculation of Refund to Insured: Written Premium and Federal Policy Fee $ 320.00 Refund to Insured $ 320.00 b) Calculation of Expense Allowance Retained by WYO Company: No expense allowance is retained. c) Calculation of Expense Allowance Returned by WYO Company to NFIP: Refund to Insured $ 320.00 less Federal Policy Fee -30.00 Written Premium subject toExpense Allowance $ 290.00 Expense Allowance Percentage x 32.9% Expense Allowance Returned $ 95.41 Part 4 4-41 Revision 4 (10/1/01) Change 5 Effective 10/1/03 DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) DESCRIPTION: (Cont’d.) Case X: Reason 51 In this example case, the policy voidance is effective on thesecond anniversary of the policy effective date. a) Calculation of Refund to Insured: Written Premium and Federal Policy Fee $ 320.00 less Expense Constant -50.00 less Federal Policy Fee -30.00 $ 240.00 x 33% Refund to Insured $ 80.00 b) Calculation of Expense Allowance Retained by WYO Company: Written Premium and Federal Policy Fee $ 320.00 less Federal Policy Fee -30.00 less Premium Refund to Insured -80.00 Retained Written Premium subject toExpense Allowance $ 210.00 Expense Allowance Percentage x 32.9% Expense Allowance Retained $ 69.09 Premium Refund to Insured $ 80.00 Agent Commission Percentage x 15.0% Allowance for Agent Commission $ 12.00 Total Expense Allowance Retained $ 81.09 c) Calculation of Expense Allowance Returned by WYO Company to NFIP: Premium Refund to Insured $ 80.00 Difference between Expense Allowance andCommission Percentages x 17.9% Expense Allowance Returned $ 14.32 Case XI: Reason 20 with cancellation dates before 10/1/2003. See Case V for cancellation dates on or after 10/1/2003. a) Calculation of Refund to Insured: Written Premium and Federal Policy Fee $ 320.00 x .5 Refund to Insured $ 160.00 Part 4 4-42 Revision 4 (10/1/01) Change 5 Effective 10/1/03 DATA ELEMENT: Cancellation/Voidance Reason (Cont'd.) DESCRIPTION: (Cont'd.) b) Calculation of Expense Allowance Retained by WYO Company: Written Premium and Federal Policy Fee $ 320.00 less Federal Policy Fee -30.00 Times Pro-rata Cancellation Factor $ 290 x .5 Premium subject to Expense Allowance $ 145.00 Expense Allowance Percentage x 32.9% Expense Allowance Subtotal $ 47.71 Refund to Insured $ 160.00 less refunded portion of FederalPolicy Fee ($30.00 x .5) -15.00 $ 145.00 Agent Commission Percentage x 15.0% Allowance for Agent Commission $ 21.75 Total Expense Allowance Retained $ 69.46 c) Calculation of Expense Allowance Returned by WYO Company to NFIP: Refund to Insured $ 160.00 less refunded portion of FederalPolicy Fee ($30.00 x .5) -15.00 $ 145.00 Difference between Expense Allowance andCommission Percentages x 17.9% Expense Allowance Returned $ 25.96 Case XII: Reason 24 a) Refund resulting from the cancellation of the standard rated policy must be applied to the rewritten PRP priorto any refund being generated. b) Full expense allowance is retained by the WYO Company on the canceled standard rated policy. c) Full expense allowance is retained by the WYO Company on the new PRP. d) Any overpayment on the PRP is returned to insured. Part 4 4-43 Revision 4 (10/1/01) Change 6.1 Effective 2/1/05 (This page intentionally left blank) C Part 4 4-43A Revision 4 (10/1/01) Change 5 Effective 10/1/03 Processing Outcomes for Cancellation/Nullification Of a Flood Insurance Policy Effective 2/1/2005 4-43B Revision 4 (10/1/01) Change 6.1 Effective 2/1/05 TRRP Reason Code Premium Refund Expense Constant Federal Policy Fee Producer Commission (Direct Business Only) Operating Expense Allowance (WYO) * Full Pro Rata Full Refund Pro Rata Fully Earned Full Refund Pro Rata Fully Earned Full Deduction Pro Rata Retained Full Deduction Pro Rata Retained 01 X X X X X 02 X X X X X 03 X X X X X 04 X X X X X 05 X X X X X 06 X X X X X 08 X X X X X 09 X X X X X 10 NO REFUND OF PREMIUM, EXPENSE CONSTANT, OR FEDERAL POLICY FEE ALLOWED X X 16 X X X X X 17 X X X X X 18 DELETED 20 X X X X X 21 X X X X X 22 X X X X X 23 NO REFUND OF PREMIUM, EXPENSE CONSTANT, OR FEDERAL POLICY FEE ALLOWED X X 24 X X X X X 45 X X X X X 50 X X X X X 51 DELETED 52 X X X X X 60 X X X X X 70 X X X X X *For TRRP Reason Codes 9 and 20, the 15% agent commission as part of the expense allowance paid to the Write Your Own Company will be retained. DATA ELEMENT: Cancellation/Voidance Reason (Cont’d.) EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 01 - Building Sold or Removed02 - Contents Sold or Removed (for contents-onlypolicy) 03 - Policy Cancelled and Rewritten to Establisha Common Expiration Date with Other InsuranceCoverage04 - Duplicate NFIP Policies05 – Non-Payment06 - Risk Not Eligible for Coverage08 - Property Closing Did Not Occur09 - Insurance No Longer Required by MortgageeBecause Property Is No Longer Located in aSpecial Flood Hazard Area Due to Physical MapRevision 10 – OTHER: Continuous Lake Flooding or ClosedBasin Lakes 11 – Non-Payment/No Refund (No longer valid) 16 - Insurance No Longer Required Based on FEMAReview of Lender's Special Flood Hazard AreaDetermination 17 - Duplicate Policies from Sources OtherThan the NFIP 18 - Mid-term Cancellation of a 3-Year Policy toObtain ICC Coverage19 - Mortgage Paid-off on an MPPP Policy (combinedwith 52) 20 -Insurance No Longer Required by the Mortgagee Because the Structure Has Been Removed from the Special Flood Hazard Area (SFHA) by Meansof Letter of Map Amendment (LOMA) or Letterof Map Revision (LOMR) 21 - Policy Was Written to the Wrong Facility(Repetitive Loss Target Group) 22 – Cancel/Rewrite Due to Misrating23 – Fraud 24 – Cancel/Rewrite Due to Map Revision45 - Condominium Policy (Unit or Association) Converting to RCBAP50 - Policy Not Required by Mortgagee51 - Mid-term Voidance of a 3-Year Policy Due toCessation of Community Participation in NFIP52 - Mortgage Paid Off60 - Voidance Prior to Effective Date 70 - Voidance due to Credit Card Error LENGTH: 2 DEPENDENCIES: Information is obtained from the Cancellation/Nullification Request Form. SYSTEM FUNCTION: Policy History Validation of Cancellation Reason REPORTING REQUIREMENT: Required Part 4 4-44 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Catastrophe Number ALIAS: FICO Number ACRONYM: Direct (CMF) Catast-Num WYO (CMF) CATAS-NO FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Number assigned by NFIP Servicing Agent at the time of a floodingdisaster to uniquely identify each flooding catastrophe where aFICO is established. This number will be provided to the WYOCompany so that it can be reported with each claim. EDIT CRITERIA: Positive numeric LENGTH: 3 DEPENDENCIES: None SYSTEM FUNCTION: Loss Reports REPORTING REQUIREMENT: Required Part 4 4-45 Revision 4 (10/1/01) Effective 10/1/84 DATA ELEMENT: Cause of Loss ALIAS: Cause of Damage ACRONYM: Direct (CMF) Cause-CodeWYO (CMF) CAUSE-LOSS FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Indicates the method by which the insured's property and contentswere damaged. A. Overflow - Tidal: Describes those conditions where the primary and direct flooding source is from a coastal waterbody such as an ocean or interconnecting coastal bays andrivers. This category should not be used when flooding hasoccurred in a coastal area but the primary source of floodingis from accumulation of rainfall or snowmelt in low lyingareas. See D below. B. Overflow - Stream, River, Lake: Describes those conditions where the primary and direct flooding source is noncoastal inorigin and occurs from overtopping of stream, river, or lakebanks. C. Alluvial Fan Overflow: Alluvial fans are geomorphologicalfeatures found throughout the arid western United States which form at the base of steep, highly erodible mountainmasses. Alluvial fans result from high intensity, shortduration rainfall events that dislodge and deposit largeamounts of sediment and debris on the fan surface. Floodingon fans is characterized by alternate aggradation anddegradation of flowpaths, sudden changes in direction, highlyvariable depth and velocity, and a tendency for flows toconcentrate on one part of the fan while leaving adjacentareas completely dry. D. Accumulation of Rainfall or Snowmelt (Ponding): Describes flooding (not related to overflow of streams, channels, orurban stormwater drainage systems) that involves collectionof rainfall or snowmelt in concave or natural depressionswith limited or no outlets. E. Erosion-Demolition: Indicates that the loss was due to a declaration that the property was subject to "imminentcollapse" due to erosion greater than "cyclical levels" andthat the building was demolished. Part 4 4-46 Revision 4 (10/1/01) Effective 10/1/84 DATA ELEMENT: Cause of Loss (Cont'd.) DESCRIPTION: (Cont'd.) F. Erosion-Removal: Indicates that the loss was due to a declaration that the property was subject to "imminentcollapse" due to erosion greater than "cyclical levels" andthat the building was removed. G. Earth Movement, Landslide, Land Subsidence, Sinkholes, andDestabilization or Movement of Land: Losses resulting fromearth movement, landslide, land subsidence, sinkholes, anddestabilization or movement of land are no longer coveredunder the Standard Flood Insurance Policy. We do not insure for loss to property caused directly byearth 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. H. Closed Basin Lake: Closed basin lakes are natural lakes from which water leaves primarily through evaporation and whosesurface areas now exceed or have exceeded 1 square mile atany time in the past. On an insured building subject tocontinuous closed basin lake flooding, a total loss claimwill be paid if lake flood waters damage or threatenimminently to damage the building and an eventual total lossappears likely I. Expedited Claim Handling Process Without Site Inspection: Cause of Loss Code B, this indicates that the expedited claimprocess was used for handling the loss without a site visit. The WYO companies were provided water depth data to identifytheir policies determined to be in areas of standing waterfor at least 5 days. This code also applies where the covereddamages appear to exceed policy limits, where only a slab orpilings remain, or where the company can obtain its own flooddepth data. The adjuster fee for this procedure is $750. See WYO Bulletin W-05054 dated September 21, 2005, fordetailed definitions and instructions. Cause of Loss Code B may be used only with Processes #1 and #2 in the bulletin. Part 4 4-47 Revision 4 (10/1/01) Change 8.1 Effective 10/1/05 DATA ELEMENT: Cause of Loss (Cont'd.) DESCRIPTION: (Cont'd.) J. Expedited Claim Handling Process Follow-up Site Inspection: Cause of Loss Code C, this indicates that a follow-up siteinspection was required after using the previously mentionedexpedited claim process. The adjuster fee for this procedureis $400. K. Expedited Claim Handling Process by Adjusting Process PilotProgram: Cause of Loss Code D, this indicates that theAdjusting Process Pilot Program was used without a sitevisit. The adjuster fee for this procedure is 75 percent ofthe scheduled fee. This procedure may be used only with priorapproval from FEMA. EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 0 - Other causes 1 - Tidal water overflow 2 - Stream, river, or lake overflow 3 - Alluvial fan overflow 4 - Accumulation of rainfall or snowmelt 7 - Erosion - demolition 8 - Erosion - removal 9 - Earth movement, landslide, land subsidence, sinkholes, etc. A - Closed basin lake B - Expedited claim handling process without site inspection C – Expedited claim handling process follow-up site inspection D - Expedited claim handling process by Adjusting Process Pilot Program LENGTH: 1 DEPENDENCIES: Information is obtained from the adjuster'sreport. SYSTEM FUNCTION: Analysis of Losses Relative to Flood SeverityComparison of Actual Flood with FIRM REPORTING REQUIREMENT: Required Part 4 4-48 Revision 4 (10/1/01) Change 8.1 Effective 10/1/05 DATA ELEMENT: Claim/Loss Closed Date ALIAS: Claim Closed, Claim File Closed ACRONYM: (CMF) CLOSE-DT FILE: Claims Master (CMF) DESCRIPTION: Date on which a claim/loss record is closed. EDIT CRITERIA: Numeric, Date Format: YYYYMMDD LENGTH: 8 DEPENDENCIES: Determined by the WYO company SYSTEM FUNCTION: Claims History REPORTING REQUIREMENT: Required Part 4 4-49 Revision 4 (10/1/01) Effective 10/1/96 DATA ELEMENT: Claim/Loss Reopen Date ALIAS: Claim Reopened, Claim File Reopened ACRONYM: (CMF) REOPEN-DT FILE: Claims Master (CMF) DESCRIPTION: Date on which a claim/loss record previously closed is reopened. EDIT CRITERIA: Numeric, Date Format: YYYYMMDD LENGTH: 8 DEPENDENCIES: Determined by the WYO company SYSTEM FUNCTION: Claims History REPORTING REQUIREMENT: Required Part 4 4-50 Revision 4 (10/1/01) Effective 10/1/96 DATA ELEMENT: Claim Closed Without Payment Reason - Building ALIAS: CWOP Reason, CWP Code, CWP Reason ACRONYM: Direct (CMF) CWOP-CodeWYO (CMF) CWOP-BLDG FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Indicates the reason a building claim was closed without payment. EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 01 - Claim denied that was less than deductible 02 - Seepage 03 - Backup drains 04 - Shrubs not covered 05 - Sea wall 06 - Not actual flood 07 - Loss in progress 08 - Failure to pursue claim 09 - Debris removal only 10 - Fire 11 - Fence damage 12 - Hydrostatic pressure 13 - Drainage clogged 14 - Boat piers 15 - Not insured, damage before inception of policy 16 - Not insured, wind damage 17 - Type of erosion not included in definition of flood or flooding 18 - Landslide 19 - Type of mudflow not included in definition of flood or flooding 20 - No demonstrable damage 97 - Other 98 - Error-delete claim (no assignment) 99 - Erroneous assignment LENGTH: 2 DEPENDENCIES: Information is obtained from the adjuster and is translated by the WYO company into one of the above codes. SYSTEM FUNCTION: Claims Reconciliation REPORTING REQUIREMENT: Required Part 4 4-51 Revision 4 (10/1/01) Effective 10/1/94 DATA ELEMENT: Claim Closed Without Payment Reason - Contents ALIAS: CWOP Reason, CWP Code ACRONYM: Direct (CMF) CWOP-CodeWYO (CMF) CWOP-CONT FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Indicates the reason a contents claim case was closed without payment. EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 01 - Claim denied that was less than deductible 02 - Seepage 03 - Backup drains 04 - Shrubs not covered 05 - Sea wall 06 - Not actual flood 07 - Loss in progress 08 - Failure to pursue claim 09 - Debris removal only 10 - Fire 11 - Fence damage 12 - Hydrostatic pressure 13 - Drainage clogged 14 - Boat piers 15 - Not insured, damage before inception of policy 16 - Not insured, wind damage 17 - Type of erosion not included in definition of flood or flooding 18 - Landslide 19 - Type of mudflow not included in definition of flood or flooding 20 - No demonstrable damage 97 - Other 98 - Error-delete claim (no assignment) 99 - Erroneous assignment LENGTH: 2 DEPENDENCIES: Information is obtained from the adjuster and is translated by the WYO company into one of the above codes. SYSTEM FUNCTION: Claims Reconciliation REPORTING REQUIREMENT: Required Part 4 4-52 Revision 4 (10/1/01) Effective 10/1/94 DATA ELEMENT: Claim Closed Without Payment Reason - ICC ALIAS: CWOP Reason, CWP Code, CWP Reason ACRONYM: (CMF) CWOP-ICC FILE: Claims Master (CMF) DESCRIPTION: Indicates the reason an ICC claim was closed without payment. EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 01 – Flood-related portion of damage less than50% of property value02 - No record of previous loss payment for a repetitive loss ICC claim97 - Other 98 - Error-delete claim (no assignment) 99 - Erroneous assignment LENGTH: 2 DEPENDENCIES: Information is obtained from the adjuster and istranslated by the WYO Company into one of theabove codes. SYSTEM FUNCTION: Claims Reconciliation REPORTING REQUIREMENT: Required Part 4 4-53 Revision 4 (10/1/01) Effective 6/1/97 DATA ELEMENT: Coinsurance Claim Settlement Indicator ALIAS: None ACRONYM: (CMF) SETLMNT-IND FILE: Claims Master (CMF) DESCRIPTION: Used to denote that the coinsurance penalty clause was applied tothe loss. Valid for RCBAP building coverage only. The insurer’sliability for building loss under this policy is an amount equalto the lesser of: 1. Insurance Carried x Amount of Loss – Deductible; or80% of RCV 2. The maximum amount of building insurance available underthe RCBAP (if building is insured to that amount), lessthe deductible. EDIT CRITERIA: Alpha, Acceptable values: Y – RCBAP Coinsurance penalty applied N or Blank – No RCBAP Coinsurance penalty LENGTH: 1 DEPENDENCIES: Coinsurance - for RCBAP building coverage only SYSTEM FUNCTION: Claims Reconciliation REPORTING REQUIREMENT: Required Part 4 4-54 Revision 4 (10/1/01) Effective 5/1/00 DATA ELEMENT: Community Identification Number ALIAS: Community ID Number, Community Number ACRONYM: CID ID Number Direct (PMF) State-ID and Community-IDDirect (CMF) State-ID Code and Community-IDDirect (COMF) CM-State-ID and CM-Community-IDWYO (PMF) A-Community Community FILE: Policy Master (PMF) Claims Master (CMF) Community Master (COMF) Actuarial (APOL) DESCRIPTION: The Community ID Number is a 6-digit number that uniquelyidentifies each community participating or potentiallyparticipating in the NFIP. The first two digits of the ID Numberare the standard state numeric identifier. The four digitsmaking up the remainder of the ID number are randomly assigned. The ID number is maintained in NFIP files, but the state numericidentifier is a separate data element from the rest of the IDnumber. EDIT CRITERIA: Numeric, must be 6 digits LENGTH: 6 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Key to risk zone data used to rate policies REPORTING REQUIREMENT: Required Part 4 4-55 Revision 4 (10/1/01) Effective 1/17/84 DATA ELEMENT: Condominium Indicator ALIAS: None ACRONYM: WYO (PMF) CONDO FILE: Policy Master (PMF) Recertification Master (RCMF) Actuarial (APOL) DESCRIPTION: This is an indicator of what property is being insured. The property may be: 1. Not a condominium (N). 2. An individual condominium unit owned by a unit owner, orby a condominium association (U). 3. The entire condominium building owned by the associationinsuring building common elements as well as buildingelements (additions and alterations) within all units inthe building, not eligible under Condominium MasterPolicy (A). 4. The entire residential condominium building owned by theassociation eligible under Condominium Master Policy, insuring the entire condominium building common elementsas well as building elements (additions and alterations) within all units in the building, (H) for High-Rise or (L) for Low-Rise. 5. Townhouse/Rowhouse condominium unit (T)– applicable toPreferred Risk Policies only in order to identifyappropriate ICC premium. Residential Condominiums Residential condominiums are basically four types: 1. A single-family detached building - The condominiumassociation may insure the building under CondominiumMaster Policy using the low-rise limits of coverage andrates. The Residential Condominium Building AssociationPolicy (RCBAP) is used. 2. Townhouse/Rowhouse type with a separate entrance foreach unit - The individual unit and its contents may beseparately insured under the Dwelling Form. These are designated as single-family occupancy, single-unitdwellings, and are rated as single-family based on thelowest floor elevation of the unit. Part 4 4-56 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Condominium Indicator (Cont'd.) DESCRIPTION: (Cont'd.) The condominium association may insure the entirebuilding under the Condominium Master Policy. These types of buildings are considered low-rise condominiumsregardless of the number of floors. The RCBAP is used. 3. A two- to four-unit building, including a one-storybuilding that is not a townhouse/rowhouse type - The unitowner may insure a unit within the building with single- family limits of coverage. The unit then is rated as single-family for building coverage and two- to four- family for contents. The Dwelling Form is used. The condominium association may insure the entirebuilding under the Condominium Master Policy. These types of buildings are considered low-rise condominiumsregardless of the number of floors. The RCBAP is used. 4. A multi-unit building with five or more units - Inaddition to ownership of the interior space of the unitoccupied, the individual unit owner owns the improvementsor betterment within the unit and an undivided ownershipin common with all other unit owners of common or shared elements and facilities, such as walls, roofs, floors, lobbies, stairways, hallways, and parking areas withinthe building. The unit owner may insure a unit within the building withsingle-family limits of coverage. The unit than is rated as single-family for building coverage and “otherresidential” for contents. The Dwelling Form is used. The condominium association may insure the entirebuilding under the Condominium Master Policy using thehigh-rise or low-rise limits of coverage and rates. High-rise (vertical) condominium buildings under thiscategory are defined as containing at least five unitsand having at least three floors including basement. Anenclosure below an elevated building, even if it is thelowest floor for rating purposes, cannot be counted as afloor to classify the building as a high-rise condominiumbuilding. Low-rise condominium buildings under this classificationare defined as follows: Any building with at least five units and fewer thanthree floors including basement, and any townhouse/ rowhouse type building regardless of the number offloors. Part 4 4-57 Revision 4 (10/1/01) Effective 10/1/94 DATA ELEMENT: Condominium Indicator (Cont'd.) DESCRIPTION: (Cont'd.) An enclosure below an elevated building, even if it isthe lowest floor for rating purposes, cannot be countedas a floor to avoid the building’s being classified as alow-rise building. The RCBAP is used. The contents location indicator must be reported when contentscoverage is requested. Residential Condominium Building Association Policy The Residential Condominium Building Association Policy (RCBAP) is available to condominium associations for all residential buildings owned by the association and located in Regular Programcommunities. Residential buildings are those with one or moreresidential units and in which at least 75 percent of the totalfloor area is residential. High-rise (vertical) condominium buildings are defined ascontaining at least five units and having at least three floors. An enclosure below an elevated building, even if it is the lowestfloor for rating purposes, cannot be counted as a floor toclassify the building as a high-rise condominium building. Low-rise condominium buildings are defined as having fewer thanfive units and/or fewer than three floors. In addition, low-risealso includes all townhouses/rowhouses regardless of the numberof floors or units, and all detached single-family buildings. Contents coverage purchased would be only for contents commonlyowned. The total amount of building coverage for the entire buildingcannot exceed the single-family limit amount times the totalnumber of units (residential and nonresidential) in the buildingor the Replacement Cost Value of the building, whichever is less. The total amount of contents coverage cannot exceed $100,000times the total number of units. Nonresidential Condominiums Building coverage for nonresidential unit owners is notavailable, but contents-only coverage may be written under nonresidential limits of coverage and rates. The policy issued isthe General Property Form. Part 4 4-58 Revision 4 (10/1/01) Effective 10/1/94 DATA ELEMENT: Condominium Indicator (Cont'd.) DESCRIPTION: (Cont'd.) A nonresidential condominium association may insure a commonlyowned commercial building with nonresidential limits of coverageand rates. Insured commonly owned contents are given theappropriate contents indicator. The policy issued for either orboth coverages is the General Property Form. EDIT CRITERIA: Alpha, Acceptable Values: N - Not a Condominium U - Individual Condominium Unit insured by a unit owner or by an association A - Condominium Association H - Condominium Master Policy (RCBAP) High-Rise L - Condominium Master Policy (RCBAP) Low-Rise T - Townhouse/Rowhouse Condominium Unit (applicable to Preferred Risk Policies only) LENGTH: 1 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Determination of coverage available REPORTING REQUIREMENT: Required Part 4 4-59 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Condominium Master Policy Units ALIAS: None ACRONYM: WYO (PMF) NUM-OF-UNITS Direct (PMF) FILE: Policy Master File (PMF) Actuarial (APOL) DESCRIPTION: The number of residential and nonresidential units covered by theCondominium Master Policy. EDIT CRITERIA: Numeric LENGTH: 3 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Premium computation Policy in force computation REPORTING REQUIREMENT: Required Part 4 4-60 Revision 4 (10/1/01) Effective 10/1/94 DATA ELEMENT: Contents Claim Payment (ACV) ALIAS: Contents Loss Draft Amount ACRONYM: Direct (CMF) Loss-Pd-Cont WYO (CMF) PAY-CONT FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Amount paid for a contents claim in dollars and cents for ActualCash Value of contents loss. This includes payment made to coverexpense of contents removal. EDIT CRITERIA: Signed numeric in dollars and cents LENGTH: 9 with an implied decimal of two positions DEPENDENCIES: Information is obtained from the adjuster's report. SYSTEM FUNCTION: Premium and Loss Adjustment REPORTING REQUIREMENT: Required Part 4 4-61 Revision 4 (10/1/01) Effective 1/1/86 DATA ELEMENT: Contents Claim Payment Recovery ALIAS: None ACRONYM: WYO (CMF) REC-CONT FILE: Claims Master (CMF) DESCRIPTION: Amount in dollars and cents recovered on a contents claim for reasons other than salvage or subrogation. EDIT CRITERIA: Signed numeric in dollars and cents LENGTH: 9 with an implied decimal of two positions DEPENDENCIES: None SYSTEM FUNCTION: Premium and Loss Analysis REPORTING REQUIREMENT: Required Part 4 4-62 Revision 4 (10/1/01) Effective 6/1/84 DATA ELEMENT: Contents Damage Subject to Policy Exclusions (ACV) ALIAS: None ACRONYM: WYO (CMF) DMG-EXC-CONT FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Actual cash value of the damage to contents that are excludedfrom coverage under the NFIP Standard Flood Insurance Policy. Refer to the NFIP Standard Flood Insurance Policy for thebuilding items that are excluded. EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 1 - Less than $ 1,000 2 -$ 1,000 - $ 2,000 3 -$ 2,001 - $ 5,000 4 - $ 5,001 - $10,000 5 -$10,001 - $20,000 6 - More than $20,000 LENGTH: 1 DEPENDENCIES: Information is to be obtained from the adjuster'sreport. SYSTEM FUNCTION: Analysis of Savings Due to Coverage Changes REPORTING REQUIREMENT: Optional Part 4 4-63 Revision 4 (10/1/01) Effective 12/31/00 DATA ELEMENT: Coverage Required for Disaster Assistance ALIAS: Federally required purchase, Agency Requiring DisasterAssistance, Disaster Assistance Agency ID ACRONYM: Direct PMF Disaster-Asst-Indicator WYO (PMF) DIS-ASST FILE: Policy Master (PMF) Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Indicates which federal agency has required the purchase of floodinsurance as a requirement for disaster assistance. Federal regulations state that in order to receive federal disasterassistance in a flood-related disaster, a disaster aid recipientmust purchase a flood insurance policy if the damaged property islocated in the Special Flood Hazard Area. EDIT CRITERIA: Number, Alphanumeric, Acceptable Value: 0 - Not Required 1 - SBA 2 - FEMA 3 - FHA 4 - HHS 5 - Other Agency LENGTH: 1 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Tracking mandatory insurance purchaserequirement. REPORTING REQUIREMENT: Required Part 4 4-64 Revision 4 (10/1/01) Effective 10/1/86 DATA ELEMENT: CRS Classification Credit Percentage ALIAS: CRS Credit ACRONYM: Direct (PMF) CRS-DISCOUNT-PCTWYO (PMF) CRS_CLASS FILE: Community Master File (COMF) Policy Master File (PMF) Community Rating System Table (COMR) DESCRIPTION: The Community Rating System (CRS) Classification CreditPercentage that is used to rate the policy. The insurance premium credit is based on whether a property is inor out of the Special Flood Hazard Area (SFHA), i.e., the A and Vzones as shown on the community's Flood Insurance Rate Map. The premium credit for properties in the SFHA increases according toa community's CRS class. The credit for properties outside ofthe SFHA is 10 percent for Class 1-6 communities and 5 percentfor Class 7-9 communities because premiums in these areas arealready relatively low and can be lowered further through thePreferred Risk Policy. Also, most of the activities undertakento qualify for those classes are implemented only in thefloodplain. CRS credits do not apply to Preferred Risk Policiesand Mortgage Portfolio Protection Program (MPPP) Policies, andCRS Classification Credit Percentage should be reported as zeroor blank. The CRS classifications and flood insurance premium credits areshown below: SFHA Non-SFHA Classes Credit* Credit 1 45% ** 10% ** 2 40% ** 10% ** 3 35% ** 10% ** 4 30% ** 10% ** 5 25% ** 10% ** 6 20% ** 10% ** 7 15% ** 5% ** 8 10% ** 5% ** 9 5% 5% 10 0% 0% *For the purpose of determining CRS Premium Discounts, all AR andA99 zones are treated as non-SFHAs. **These percentages are subject to change. Always refer to theFlood Insurance Manual for the latest information Part 4 4-65 Revision 4 (10/1/01) Effective 5/1/01 DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) EDIT CRITERIA: Numeric, see preceding table of credits for acceptable values. LENGTH: 2 DEPENDENCIES: Information is obtained from the Flood Insurance Application and the NFIP Flood Insurance Manual. SYSTEM FUNCTION: Premium Computation REPORTING REQUIREMENT: Required Part 4 4-66 Revision 4 (10/1/01) Effective 3/1/95 DATA ELEMENT: Damage - Appurtenant (ACV) ALIAS: Damage Sustained Building, Building Damage, DamageIncurred ACRONYM: Direct (CMF) Damage-BldgWYO (CMF) DMG-APP-B FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: The actual cash value in whole dollars of covered damage to alleligible appurtenant structures for the flooding event for whichthe claim is being filed. This damage value is subject to the following qualifications: (1) It includes only damages covered by the policy (i.e., damageboth resulting from a peril insured against by the floodpolicy and caused to property insured by the policy). (2) The amount of building damages to be reported is not limitedto the amount of building coverage on the policy. This value can be considered as the amount that would be payableto the insured under the policy for damages to all eligibleappurtenant structures if there were an unlimited dollar amountof coverage for covered items and no policy deductible. EDIT CRITERIA: Positive numeric in whole dollars LENGTH: 7 DEPENDENCIES: Information is obtained from the adjuster's report. Insured's policy must cover building loss or damage. SYSTEM FUNCTION: Rate Analysis REPORTING REQUIREMENT: Optional Part 4 4-67 Revision 4 (10/1/01) Effective 3/1/95 DATA ELEMENT: Damage - Main (ACV) ALIAS: Damage Sustained Building, Building Damage, DamageIncurred ACRONYM: Direct (CMF) Damage-BldgWYO (CMF) DMG-MAIN-B FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: The actual cash value in whole dollars of covered damage to themain building. Actual expenses for temporary flood protectionare to be included in this data element. This damage value is subject to the following qualifications: (1) It includes only damages covered by the policy (i.e., damageboth resulting from a peril insured against by the floodpolicy and caused to property insured by the policy). (2) The amount included as expenses for temporary floodprotection is not to exceed $1,000.00. (3) The amount of building damages to be reported is not limitedto the amount of building coverage on the policy. This value can be considered as the actual cash value amount that would be payable to the insured under the policy for damages tothe main building if there were an unlimited dollar amount ofcoverage for covered items and no policy deductible. Report the total building damages value on an actual cash valuebasis even if the claim on the main building is being paid on areplacement cost basis. EDIT CRITERIA: Positive numeric in whole dollars LENGTH: 10 DEPENDENCIES: Information is obtained from the adjuster's report. Insured's policy must cover building loss or damage. SYSTEM FUNCTION: Rate AnalysisAnalysis of Depth Damage Relationships REPORTING REQUIREMENT: Optional Part 4 4-68 Revision 4 (10/1/01) Effective 12/31/00 DATA ELEMENT: Damage to Contents - Appurtenant (ACV) ALIAS: Damage Sustained Contents, Contents Damage ACRONYM: Direct (CMF) Damage-ContWYO (CMF) DMG-APP-C FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: The actual cash value in whole dollars of covered damage tocontents in all eligible appurtenant structures for the floodingevent for which the claim is being filed. This damage value is subject to the following qualifications: (1) It includes only damages covered by the policy (i.e., damageboth resulting from a peril insured against by the floodpolicy and caused to property insured by the policy). (2) The amount of contents damages to be reported is not limitedto the amount of contents coverage on the policy. The total contents damages value can be considered as the amountthat would be payable to the insured under the policy for damagesto contents in all appurtenant structures if there were anunlimited dollar amount of coverage for covered items and nopolicy deductible. EDIT CRITERIA: Positive numeric in whole dollars LENGTH: 7 DEPENDENCIES: Information is obtained from the adjuster's report. Insured's policy must cover contents loss or damage. SYSTEM FUNCTION: Rate Analysis REPORTING REQUIREMENT: Optional Part 4 4-69 Revision 4 (10/1/01) Effective 3/1/95 DATA ELEMENT: Damage to Contents - Main (ACV) ALIAS: Damage Sustained Contents, Contents Damage ACRONYM: Direct (CMF) Damage-Cont WYO (CMF) DMG-MAIN-C FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: The actual cash value in whole dollars of covered damage tocontents in the main building for the flood event for which theclaim is being filed. This damage value is subject to the following qualifications: (1) It includes only damages covered by the policy (i.e., damageboth resulting from a peril insured against by the floodpolicy and caused to property insured by the policy). (2) The amount of contents damages to be reported is not limitedto the amount of contents coverage on the policy. The total contents damages value can be considered as the amountthat would be payable to the insured under the policy for damagesto contents in the main building if there were an unlimiteddollar amount of coverage for covered items and no policydeductible. EDIT CRITERIA: Positive numeric in whole dollars LENGTH: 7 DEPENDENCIES: Information is obtained from the adjuster'sreport. Insured's policy must cover contents lossor damage. SYSTEM FUNCTION: Rate Analysis Analysis of Depth-Damage Relationship REPORTING REQUIREMENT: Optional Part 4 4-70 Revision 4 (10/1/01) Effective 3/1/95 DATA ELEMENT: Date of Loss ALIAS: None ACRONYM: (CMF) DT-OF-LOSS FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Date on which water first entered the insured building. EDIT CRITERIA: Numeric, Date Format: YYYYMMDD LENGTH: 6 DEPENDENCIES: Information is obtained from the Notice of Loss submitted by the insured's agent. SYSTEM FUNCTION: Claims History Accident Year ComputationIncurred Claims Computation REPORTING REQUIREMENT: Required Part 4 4-71 Revision 4 (10/1/01) Effective 10/1/96 DATA ELEMENT: Deductible - Applicable to Building Claim Payment ALIAS: Deductible - Building Claim, Risk Retention - Building ACRONYM: WYO (CMF) CDED-BLDING FILE: Claims Master (CMF) DESCRIPTION: The total deductible amount for buildings, both main andappurtenant, that can be applied against the loss. Under the NFIP, the deductible amounts are as follows: 1. Policies with effective dates prior to June 1, 1982 - standard deductible amount was $200. 2. Policies with effective dates after September 30, 1982 - optional deductible amount of $3,000 became available inZones V, V1-V30, VE. 3. Standard Deductibles: a. Except as noted in 3.b and 3.c, policies witheffective dates after June 1, 1982 - standarddeductible amount is $500. 0 - $500 b. For policies rated using Pre-FIRM rates witheffective dates on or after October 1, 1992, andprior to May 1, 1998, the following is the standarddeductible for Zones A, AE, V, VE, AO, AH: 9 - $750 c. For policies rated using Pre-FIRM rates witheffective dates on or after May 1, 1998, thefollowing is the standard deductible for Zones A, AE, V, VE, AO, AH: 1 - $1,000 4. After April 1, 1984, the following additional deductibleoptions were made available for all zones and areapplied separately to building and contents coverage: 1 - $1,000 4 - $4,000 2 - $2,000 5 - $5,000 3 - $3,000 Part 4 4-72 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: Deductible - Applicable to Building Claim Payment(Cont'd.) DESCRIPTION: (Cont'd.) 5. The deductible applied during each loss on or afterOctober 1, 1986, on buildings that are in the course ofconstruction and have yet to be walled and roofed, isdouble the selected post-construction deductible. The following additional codes may be used: 6 - $ 6,000 A - $ 1,500 S - $ 100,0007 - $ 8,000 Q - $ 30,000 8 - $ 10,000 R - $ 40,000 6. Prior to December 31, 2000, an additional buildingdeductible in the sum of $250.00 applied to each lossbefore payment was made under the policy issued orrenewed on or after October 1, 1994, for landsubsidence, sewer backup, or seepage of water asprovided for in Article 7, paragraph E. The following additional codes must be used: B - $ 1,250 E - $ 3,250 H - $ 6,250 C - $ 1,750 F - $ 4,250 I - $ 8,250 D - $ 2,250 G - $ 5,250 J - $ 10,250 7. After May 1, 2003, the following additional deductibleoptions were made available for all zones and areapplied separately to building and contents coverage forNon-residential policies only. RCBAP policies will beallowed deductible options K and N only. K - $ 10,000 M - $ 20,000 P - $ 50,000 L - $ 15,000 N - $ 25,000 NOTE: Other Residential policies, effective on or after May1, 2003, and prior to May 1, 2004, will be alloweddeductible options K. L, M, N, or P. Effective May 1, 2004, Other Residential policies will not be allowed to use the new deductible options. EDIT CRITERIA: Alphanumeric, see paragraphs 3, 4, 5, 6 and 7above for acceptable codes. LENGTH: 1 DEPENDENCIES: Information obtained from adjuster's report. SYSTEM FUNCTION: Deductible Discount Analysis REPORTING REQUIREMENT: Optional Part 4 4-73 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Deductible - Applicable to Contents Claim Payment ALIAS: Deductible - Content Claim, Risk Retention - Content ACRONYM: WYO (CMF) CDED-CNTIND FILE: Claims Master (CMF) DESCRIPTION: The total deductible amount for contents in both main and appurtenant structures that can be applied against the loss. Under the NFIP, the deductible amounts are as follows: 1. Policies with effective dates prior to June 1, 1982 - standard deductible amount was $200. 2. Policies with effective dates after September 30, 1982 - optional deductible amount of $3,000 became available inZones V, V1-V30, VE. 3. Standard Deductibles: a. Except as noted in 3.b and 3.c, policies witheffective dates after June 1, 1992 - standarddeductible amount is $500. 0 - $500 b. For policies rated using Pre-FIRM rates witheffective dates on or after October 1, 1992, andprior to May 1, 1998, the following is the standarddeductible for Zones A, AE, V, VE, AO, AH: 9 - $750 c. For policies rated using Pre-FIRM rates witheffective dates on or after May 1, 1998, thefollowing is the standard deductible for Zones A, AE, V, VE, AO, AH: 1 - $1,000 4. After April 1, 1984, the following additional deductibleoptions were made available for all zones and areapplied separately to building and contents coverage: 1 - $1,000 4 - $4,000 2 - $2,000 5 - $5,000 3 - $3,000 Part 4 4-74 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: Deductible - Applicable to Contents Claim Payment(Cont'd.) DESCRIPTION: (Cont'd.) 5. The deductible applied during each loss on or afterOctober 1, 1986, on buildings that are in the course ofconstruction and have yet to be walled and roofed, isdouble the selected post-construction deductible. The following additional codes may be used: 6 - $ 6,000 A - $ 1,500 S - $ 100,0007 - $ 8,000 Q - $ 30,000 8 - $ 10,000 R - $ 40,000 6. Prior to December 31, 2000, an additional buildingdeductible in the sum of $250.00 applied to each lossbefore payment was made under the policy issued orrenewed on or after October 1, 1994, for landsubsidence, sewer backup, or seepage of water asprovided for in Article 7, paragraph E. The following additional codes must be used: B - $ 1,250 E - $ 3,250 H - $ 6,250 C - $ 1,750 F - $ 4,250 I - $ 8,250 D - $ 2,250 G - $ 5,250 J - $ 10,250 7. After May 1, 2003, the following additional deductibleoptions were made available for all zones and areapplied separately to building and contents coverage forNon-residential policies only. RCBAP policies will beallowed deductible options K and N only. K - $ 10,000 M - $ 20,000 P - $ 50,000 L - $ 15,000 N - $ 25,000 NOTE: Other Residential policies, effective on or after May1, 2003 and prior to May 1, 2004, will be allowed deductibleoptions K, L, M, N, or P. Effective May 1, 2004, OtherResidential policies will not be allowed to use the new deductible options. EDIT CRITERIA: Alphanumeric, see paragraphs 3, 4, 5, 6 and 7above for acceptable codes. LENGTH: 1 DEPENDENCIES: Information obtained from adjuster's report. SYSTEM FUNCTION: Deductible Discount Analysis REPORTING REQUIREMENT: Optional Part 4 4-75 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Deductible - Building ALIAS: Risk Retention - Building ACRONYM: WYO (PMF) DED-BLDIND FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: Each loss to insured property is subject to a deductibleprovision under which the insured bears a portion of the lossbefore payment is made under the policy. In the case of reasonable expenses incurred pursuant to theStandard Flood Insurance Policy in the temporary removal of aninsured manufactured (mobile) home or insured personal propertyfrom the described premises and away from the peril of flood, theamount of the deductible was $50.00 for policies issued prior toJanuary 1, 1987. For policies issued on or after that date, nodeductible is applied to these expenses and they are reimbursedup to an amount equal to the minimum contents deductible. The deductible applied during each loss on or after October 1,1986, on buildings that are in the course of construction andhave yet to be walled and roofed, is double the selected post- construction deductible. Under the NFIP, the deductible amounts for claims other than theabove are as follows: 1. Policies with effective dates prior to June 1, 1982 - standard deductible amount was $200.00. 2. Policies with effective dates after September 30, 1982 - optional deductible amount of $3,000.00 became availablein Zones V, V1-V30, VE. 3. Standard deductible for policies effective on or afterJune 1, 1982, but prior to May 1, 1998: a. Except as noted in 3.b, policies with effectivedates after June 1, 1982 - standard deductibleamount is $500. 0 - $500 b. For policies rated using Pre-FIRM rates witheffective dates on or after October 1, 1992, thefollowing is the standard deductible for Zones A, AE, V, VE, AO, AH: 9 - $750 Part 4 4-76 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: Deductible - Building (Cont'd.) DESCRIPTION: (Cont'd.) 4. Standard deductible on or after May 1, 1998: a. Except as noted in 4.b, policies with effectivedates after June 1, 1982 - standard deductibleamount is $500. 0 - $500 b. For policies rated using Pre-FIRM rates witheffective dates on or after May 1, 1998, thefollowing is the standard deductible for Zones A, AE, V, VE, AO, AH, AR, and AR dual zones: 1 - $1,000 The standard deductible for any policy issued orrenewed for a property located in Zone AR or AR dualzone using the AR Pre-FIRM rate is the subsidizedpolicy deductible. The standard deductible of $500 is available only to those policies rated usingactuarial rates. 5. After April 1, 1984, the following additional deductibleoptions were made available for all zones and areapplied separately to building and contents coverage: 1 - $1,000 3 - $3,000 5 - $5,0002 - $2,000 4 - $4,000 6. After May 1, 2003, the following additional deductibleoptions were made available for all zones and areapplied separately to building and contents coverage forNon-residential policies only. RCBAP policies will beallowed deductible options A and D only. A - $10,000 C - $20,000 E - $50,000B - $15,000 D - $25,000 NOTE: Other Residential policies, effective on or after May1, 2003, and prior to May 1, 2004, will be alloweddeductible options A, B, C, D, or E. Effective May 1, 2004, Other Residential policies will not be allowed to use the new deductible options. EDIT CRITERIA: Alphanumeric, see above for acceptable codes. LENGTH: 1 DEPENDENCIES: Information obtained from Flood Insurance Applic. SYSTEM FUNCTION: Deductible Discount AnalysisDistribution of Business Reports REPORTING REQUIREMENT: Required Part 4 4-77 Revision 4 (10/1/01) Change 6 Effective 5/1/04 DATA ELEMENT: Deductible - Contents ALIAS: Risk Retention - Contents ACRONYM: WYO (PMF) DED-CNT-IND FILE: Policy Master (PMF) Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Each loss to insured property is subject to a deductibleprovision under which the insured bears a portion of the lossbefore payment is made under the policy. In the case of reasonable expenses incurred pursuant to theStandard Flood Insurance Policy in the temporary removal of aninsured manufactured (mobile) home or insured personal propertyfrom the described premises and away from the peril of flood, theamount of the deductible was $50.00 for policies issued prior toJanuary 1, 1987. For policies issued on or after that date, nodeductible is applied to these expenses and they are reimbursedup to an amount equal to the minimum contents deductible. Under the NFIP, the deductible amounts for claims other than theabove are as follows: 1. Policies with effective dates prior to June 1, 1982 - standard deductible amount was $200.00 2. Policies with effective dates after September 30, 1982 - optional deductible amount of $3,000.00 became availablein Zones V, V1-V30, VE. 3. Standard deductible for policies effective on or afterJune 1, 1982, but prior to May 1, 1998: a. Except as noted in 3.b, policies with effectivedates after June 1, 1982 - standard deductibleamount is $500. 0 - $500 b. For policies rated using Pre-FIRM rates witheffective dates on or after October 1, 1992, thefollowing is the standard deductible for Zones A, AE, V, VE, AO, AH: 9 - $750 Part 4 4-78 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: Deductible - Contents (Cont'd.) DESCRIPTION: (Cont'd.) 4. Standard deductible on or after May 1, 1998: a. Except as noted in 4.b, policies with effectivedates after June 1, 1982 - standard deductibleamount is $500. 0 - $500 b. For policies rated using Pre-FIRM rates witheffective dates on or after May 1, 1998, thefollowing is the standard deductible for Zones A, AE, V, VE, AO, AH, AR, and AR dual zones: 1 - $1,000 The standard deductible for any policy issued orrenewed for a property located in Zone AR or AR dualzone using the AR Pre-FIRM rate is the subsidizedpolicy deductible. The standard deductible of $500 is available only to those policies rated usingactuarial rates. 5. After April 1, 1984, the following additional deductibleoptions were made available for all zones and areapplied separately to building and contents coverage: 1 - $1,000 3 - $3,000 5 - $5,0002 - $2,000 4 - $4,000 6. After May 1, 2003, the following additional deductibleoptions were made available for all zones and areapplied separately to building and contents coverage forNon-residential policies only. RCBAP policies will beallowed deductible options A and D only. A - $10,000 C - $20,000 E - $50,000B - $15,000 D - $25,000 NOTE: Other Residential policies, effective on or after May1, 2003, and prior to May 1, 2004, will be alloweddeductible options A, B, C, D, or E. Effective May 1, 2004, Other Residential policies will not be allowed to use the new deductible options. EDIT CRITERIA: Alphanumeric, see above for acceptable codes. LENGTH: 1 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Deductible Discount AnalysisDistribution of Business Reports REPORTING REQUIREMENT: Required Part 4 4-79 Revision 4 (10/1/01) Change 6 Effective 5/1/04 DATA ELEMENT: Deductible Percentage WYO ALIAS: None ACRONYM: WYO (PMF) N-DEDDIS-PCT FILE: Policy Master (PMF) DESCRIPTION: The deductible percentage calculated by the company to rate thepolicy. EDIT CRITERIA: Unsigned Numeric LENGTH: 4 with implied decimal of three positions. DEPENDENCIES: Information may be obtained from the FloodInsurance Manual. SYSTEM FUNCTION: Used by the Bureau to research ratinganomalies. REPORTING REQUIREMENT: Required Part 4 4-80 Revision 4 (10/1/01) Effective 5/1/00 DATA ELEMENT: Diagram Number ALIAS: None ACRONYM: (PMF) DIAGRAM_NO FILE: Policy Master File (PMF) Elevation Certificate Master File (ECMF) DESCRIPTION: This is the number of the diagram on the Elevation Certificatethat was used in describing the building and determining thelowest floor for rating the building. EDIT CRITERIA: Number, Alphanumeric LENGTH: 1 DEPENDENCIES: Information is obtained from the application and the Elevation Certificate. SYSTEM FUNCTION: Underwriting REPORTING REQUIREMENT: Refer to Part 3 – Reporting Requirements, III. Reporting Requirements forNew/Rollover Indicator, to determine ifthe diagram number is required based onreported New/Rollover Indicator. Part 4 4-81 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Duration Building Will Not Be Habitable ALIAS: Duration of Interruption ACRONYM: WYO (CMF) DUR-INHABIT FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Code indicating the estimated duration that the insured buildingwould not be safe and sanitary if reasonable, prompt clean-up andrepairs were undertaken given post-flood conditions in thecommunity. EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 1 - 0-2 Days2 - 3-7 Days3 - 2-4 Weeks 4 - 1-2 Months 5 – More than 2 Months LENGTH: 1 DEPENDENCIES: Information is obtained from the adjuster'sreport. SYSTEM FUNCTION: Analysis of Potential Insurance Coverage REPORTING REQUIREMENT: Optional Part 4 4-82 Revision 4 (10/1/01) Effective 10/1/86 DATA ELEMENT: Duration of Flood Waters in the Building ALIAS: None ACRONYM: WYO (CMF) DUR-WATER FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Number of hours water remained in the insured building. EDIT CRITERIA: Positive numeric LENGTH: 3 DEPENDENCIES: Information is obtained from the adjuster's report. SYSTEM FUNCTION: Building Damage Analysis REPORTING REQUIREMENT: Optional Part 4 4-83 Revision 4 (10/1/01) Effective 1/17/84 DATA ELEMENT: Elevated Building Indicator ALIAS: Elevated Building Type ACRONYM: WYO (PMF) ELEV-BLD FILE: Policy Master (PMF) Actuarial (APOL) Reinspection Master (RIMF) Recertification Master (RCMF) DESCRIPTION: An indicator of whether or not a building meets the NFIPdefinition of an elevated building. An elevated building is ano-basement building that was constructed so as to meet thefollowing criteria: 1. The top of the elevated floor (all A zones) or thebottom of the lowest horizontal structural member of the lowest floor (all V zones) is above ground level. 2. The building is adequately anchored. 3. The method of elevation is pilings, columns (posts andpiers), shear walls (not in V zones), or solidfoundation perimeter walls (not in V zones). EDIT CRITERIA: Alpha, Acceptable Values: Y - Elevated Building N - Not Elevated Building LENGTH: 1 DEPENDENCIES: Information is obtained from the Flood Insurance Application and verified at the time of a claim. SYSTEM FUNCTION: Determination of coverage available REPORTING REQUIREMENT: Required Part 4 4-84 Revision 4 (10/1/01) Effective 12/31/00 DATA ELEMENT: Elevation Certificate Indicator ALIAS: None ACRONYM: WYO (PMF) ELEV-CERT FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: This indicator is required for policies rated using the Post-FIRMZone A rate tables. It is also required for provisionally ratedPost-FIRM polices in Zone AE (A1-A30) or Zone A where thecommunity provides BFEs. For policies rated using the Post-FIRM Zone A rate tables: The Elevation Certificate indicator shows whether a policy hasbeen rated with no Elevation Certificate submitted; with anElevation Certificate submitted that includes an estimated BFE provided by the community or a registered professional engineer, architect, or surveyor; or with an Elevation Certificatesubmitted that does not include an estimated BFE, but doesinclude elevations of the lowest floor and of the highestadjacent grade. Policies with original effective dates prior to October 1, 1982, and renewed or rolled over to a WYO company with no break incoverage or change in insurable interest can be rated as being +2to +4 feet above the highest adjacent grade next to the buildingwith no Elevation Certificate. All other policies need anElevation Certificate to avoid paying a higher rate for nothaving a certificate. For provisionally rated Post-FIRM policies in Zone AE (A1-A30) orZone A where the community provides BFEs: The Elevation Certificate indicator must be used on all provisionally rated polices to show whether the building wasbuilt with a basement, fill or crawl-space, on pilings, piers, orcolumns, or slab on grade. EDIT CRITERIA: Alphanumeric, Acceptable Values: Post-FIRM Zone A Rate Tables 1 - No Elevation Certificate, original effectivedate prior to October 1, 1982, with no break ininsurance coverage or change in insurableinterest. Policies will be rated using “NoEstimated Base Flood Elevation” +2 to +4 feet rates. Part 4 4-85 Revision 4 (10/1/01) Change 4 Effective 5/1/03 DATA ELEMENT: Elevation Certificate Indicator (Cont'd.) EDIT CRITERIA: (Cont'd.) 2 - No Elevation Certificate, original effectivedate on or after October 1, 1982, with no breakin insurance coverage or change in insurableinterest. Policies will be rated using “NoElevation Certificate” rates. 3 - Elevation Certificate with BFE. Policieswill be rated using “With Estimated Base FloodElevation” rates. 4 - Elevation Certificate without BFE. Policieswill be rated using “ No Estimated Base FloodElevation” rates. Provisionally Rated Post-FIRM Zone AE (A1-A30) or Post-FIRM Zone A where the Community ProvidesBFEs A - Basement B - Fill or CrawlspaceC - Piles, Piers, or Columns with EnclosureD - Piles, Piers, or Columns without EnclosureE - Slab on Grade LENGTH: 1 DEPENDENCIES: Information is obtained from the Flood Insurance Application and the Elevation Certificate. SYSTEM FUNCTION: Underwriting and Rating Verification REPORTING REQUIREMENT: Required for Post-FIRM Zone A policies. Required for provisionally ratedpolicies. Part 4 4-86 Revision 4 (10/1/01) Change 4 Effective 5/1/03 DATA ELEMENT: Elevation Certification Date ALIAS: None ACRONYM: (PMF) ELEV-CERT-DT FILE: Policy Master (PMF) DESCRIPTION: The date that the Elevation Certificate data was certified by the surveyor, engineer, or architect. EDIT CRITERIA: Numeric, Date Format: YYYYMMDD LENGTH: 8 DEPENDENCIES: Information is obtained from the application andthe Elevation Certificate. SYSTEM FUNCTION: Used to verify the reporting of LowestAdjacent Grade and Diagram Number, and toanalyze age of certification. REPORTING REQUIREMENT: Refer to Part 3 – Reporting Requirements, III. Reporting Requirements forNew/Rollover Indicator, to determine ifthe elevation certification date is required based on reported New/RolloverIndicator. Part 4 4-87 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Elevation Difference ALIAS: Elevation ACRONYM: Direct (PMF) Elev-DifferenceWYO (PMF) ELEV-DIFF FILE: Policy Master (PMF) Claim Master (CMF) Actuarial (APOL) DESCRIPTION: Difference between the elevation of the lowest floor used for rating or the floodproofed elevation and the base flood elevation(BFE), or base flood depth, as appropriate. Round to nearest higher elevation difference in whole feet using .5 as themidpoint. This data is reported only if the policy is elevation rated. Entry of +999 indicates the field is not reported and/or used forthis policy. EDIT CRITERIA: Numeric, may be positive or negative LENGTH: 4 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Rating Element REPORTING REQUIREMENT: Required NOTE: If the elevation difference is reported with a value of +999, theBFE and the Lowest Floor Elevation (LFE) must be reported with avalue of 9999.0. If the elevation difference is reported with a value other than+999, the BFE and the LFE should not be reported with 9999.0. (Unnumbered ‘A’ Zone policies, Group Flood policies, provisionally rated policies, and tentatively rated policies areexcluded from reporting the BFE and LFE.) Part 4 4-88 Revision 4 (10/1/01) Change 9 Effective 5/1/06 DATA ELEMENT: Endorsement Effective Date ALIAS: None ACRONYM: (PMF) END-EFF-DT FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: The effective date and the waiting period for an increase inlimits on a policy in force shall be 12:01 a.m., local time, onthe 30th calendar day following the date of endorsement and thepresentment of additional premium, or on such later date set bythe insured to conform with the reason for the change. When the endorsement to a policy does not involve an increase inlimits, this is the date on which an endorsement to a policy ismade. EDIT CRITERIA: Numeric, Date Format: YYYYMMDD LENGTH: 8 DEPENDENCIES: Information is obtained from the flood insurance General Change Endorsement form. SYSTEM FUNCTION: Premium and Loss Analysis REPORTING REQUIREMENT: Required Part 4 4-89 Revision 4 (10/1/01) Effective 10/1/96 DATA ELEMENT: Endorsement Premium Amount ALIAS: None ACRONYM: WYO (PMF) END-PREMIUM FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: This is the incremental amount of premium calculated to becollected or refunded with an endorsement, which is added to orsubtracted from the total calculated premium. EDIT CRITERIA: Signed numeric in whole dollars LENGTH: 7 DEPENDENCIES: Information is obtained from the flood insurance General Change Endorsement form. SYSTEM FUNCTION: Premium and Loss Analysis REPORTING REQUIREMENT: Required Part 4 4-90 Revision 4 (10/1/01) Effective 10/1/84 DATA ELEMENT: Expense Constant ALIAS: None ACRONYM: WYO (PMF) W-EXP-CST FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: The Expense Constant is charged to defray policy writing andother expenses that are not a function of risk classification. The Expense Constant in effect as of the effective date of thepolicy is charged on all policies issued, both new andsubsequent renewals, and is fully earned on the effective date ofthe policy. The Expense Constant is charged only once on anypolicy term. EDIT CRITERIA: Unsigned numeric in whole dollars Acceptable Value: the Expense Constant in effect as of the effective date of the policy term Note: For policies effective on or after May 1, 2003, report zero dollars for the Expense Constant. LENGTH: 3 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Premium and Expense Analysis Premium Computation REPORTING REQUIREMENT: Required Part 4 4-91 Revision 4 (10/1/01) Change 4 Effective 5/1/03 DATA ELEMENT: Expense of Contents Removal ALIAS: Contents Removal Expense ACRONYM: WYO (CMF) CONTENT-REM FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: The cost in whole dollars of removal of contents to another placeabove ground or outside of a Special Flood Hazard Area in orderto protect and preserve it from a flood or from the imminentdanger of flood (provided personal property so removed is placedin a fully enclosed building or otherwise reasonably protectedfrom the elements to be insured against loss). When this is done, the reasonable expenses incurred by the insured includingthe value of the insured's own labor at prevailing Federalminimum wage rates in moving the insured property to thetemporary location shall be reimbursed to the insured. For policies issued prior to January 1, 1987, the amount of thedeductible in these cases was $50.00. For policies issued on orafter January 1, 1987, the reimbursement has no deductibleapplied and is limited to an amount equal to the minimumdeductible. Do not deduct the deductible from the expense, orlimit the expense in reporting this data element. Effective December 31, 2000, Property Removed to Safety coveragewill pay up to $1,000.00 for the temporary removal of insuredproperty, including contents and/or a moveable home. This coverage does not increase the Coverage A or Coverage B Limit ofLiability. EDIT CRITERIA: Positive numeric in whole dollars LENGTH: 4 DEPENDENCIES: Information is obtained from the adjuster'sreport. SYSTEM FUNCTION: Rate Analysis and Adjuster Fee Calculation REPORTING REQUIREMENTS: Required Part 4 4-92 Revision 4 (10/1/01) Effective 12/31/00 DATA ELEMENT: Expense of Manufactured (Mobile) Home Removal ALIAS: Mobile Home Removal Expense ACRONYM: WYO (CMF) MOBILE-REM FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: The cost in whole dollars of removal of a manufactured (mobile) home to another place above ground or outside of a Special FloodHazard Area in order to protect and preserve it from a flood orfrom the imminent danger of flood. When this is done, thereasonable expenses incurred by the insured including the valueof the insured's own labor at prevailing Federal minimum wagerates in moving the insured property to the temporary locationshall be reimbursed to the insured. For policies issued prior toJanuary 1, 1987, the amount of the deductible in these cases was$50.00. For policies issued on or after January 1, 1987, thereimbursement has no deductible applied and is limited to anamount equal to the minimum deductible. Effective December 31, 2000, Property Removed to Safety coveragewill pay up to $1,000.00 for the temporary removal of a traveltrailer without wheels, built on a chassis and affixed to apermanent foundation, that is considered a building by thecommunity’s floodplain management and building ordinances orlaws. Do not deduct the deductible from the expense, or limitthe expense in reporting this data element. Effective December31, 2000, Property Removed to Safety coverage will pay up to$1,000.00 for the temporary removal of insured property, including contents and/or a moveable home. This coverage doesnot increase the Coverage A or Coverage B Limit of Liability. EDIT CRITERIA: Positive numeric in whole dollars LENGTH: 4 DEPENDENCIES: Information is obtained from the adjuster'sreport. SYSTEM FUNCTION: Rate Analysis and Adjuster Fee Calculation REPORTING REQUIREMENTS: Required Part 4 4-93 Revision 4 (10/1/01) Effective 12/31/00 DATA ELEMENT: Exterior Wall Structure Type ALIAS: Wall Construction, Sheathing, Exterior Wall Treatment ACRONYM: WYO (CMF) WALL-STRUCT FILE: Claims Master (CMF) Recertification Master (RCMF) Actuarial (APOL) DESCRIPTION: Wall types may be classified by either the fundamental strength- giving element (core) or the exterior surface treatment. 1. Reinforced concrete walls are usually at least 6 inchesthick with reinforcing steel bars running both verticallyand horizontally. 2. Concrete block walls are built by laying the block inhorizontal courses (layers) with cement grout in thehorizontal and vertical joints between the blocks. The wall may be reinforced by filling the cavities in hollowblock with cement grout surrounding vertical reinforcingsteel. 3. Wood stud walls are built with 2x4 or 2x6 lumber spacedapart about 16 inches to 24 inches horizontally. The studs are nailed to top and bottom plates of their samesize. The stud wall is usually enclosed by nailingplywood, plasterboard, insulating board or the like tothe studs. EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 1 - Reinforced Concrete 2 - Concrete Block 3 - Wood Stud 4 - Steel and Glass 5 - Brick or Stone 6 - Other LENGTH: 1 DEPENDENCIES: Information is obtained from the adjuster'sreport. SYSTEM FUNCTION: Analysis of Building Design REPORTING REQUIREMENT: Optional Part 4 4-94 Revision 4 (10/1/01) Effective 10/1/86 DATA ELEMENT: Exterior Wall Surface Treatment ALIAS: Exterior Finish ACRONYM: WYO (CMF) WALL-SURFACE FILE: Claim Master (CMF) Actuarial (APOL) Recertification Master (RCMF) DESCRIPTION: Wall types may be classified by either the fundamental strength- giving element (core) or the exterior surface treatment. 1. Reinforced concrete walls may be painted or stuccoed. 2. Concrete block walls may be painted or stuccoed. 3. Wood walls will usually have diagonal sheathing or wallboards such as plywood, plasterboard, or insulatingboard. Then paint may be applied, but normally anexterior sheathing is applied. Sheathing may be wood, metal, or plastic, such as vinyl. EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 1 - Unfinished 2 - Stone/Brick Veneer3 - Stucco 4 - Wood Sheathing/Siding5 - Metal Sheathing/Siding6 - Vinyl Sheathing/Siding7 - Other LENGTH: 1 DEPENDENCIES: Information is obtained from the adjuster'sreport. SYSTEM FUNCTION: Analysis of Building Design REPORTING REQUIREMENT: Optional Part 4 4-95 Revision 4 (10/1/01) Effective 10/1/86 DATA ELEMENT: Factors Related to Cause of Loss ALIAS: None ACRONYM: WYO (CMF) LOSS-FACTOR FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Code indicating factors that may have caused or contributed tothe flooding and resultant damage to buildings and/or contents. May be a basis for subrogation. EDIT CRITERIA: Alpha, Acceptable Values: A - Improper buildingB - Improper gradingC - Improper water diversionD - Debris accumulation E - Inadequate storm drain systemF - Negligent maintenance of storm drain systemG - Failure to use pumpsH - Inadequate pumpsI - Pump failureJ - Dam failure K - Excessive water release from dam L - Excessive water release from other source M - Failure of other flood control measures N - Other violation of floodplain management regulationsO - Other factor that identifies a responsibleparty of act LENGTH: 1 DEPENDENCIES: Information is obtained from the Cause of Loss and Subrogation Report form filled out by theadjuster. SYSTEM FUNCTION: Loss Analysis REPORTING REQUIREMENT: Optional Part 4 4-96 Revision 4 (10/1/01) Effective 1/17/84 DATA ELEMENT: Federal Policy Fee ALIAS: Policy Service Fee ACRONYM: Direct (PMF) Service-FeeWYO (PMF) Policy_Fee FILE: Policy Master (PMF) DESCRIPTION: The Federal Policy Fee provides funds to meet thoseadministrative expenses that previously were paid for out ofFederal appropriations or Federal borrowing (transfers from theNational Flood Insurance Fund to appropriation accounts). These administrative expenses include Federal floodplain managementexpenses, the cost of flood insurance risk zone and floodelevation studies, funds to purchase high-risk properties toremove them from the insurance rolls, and FEMA staff expensesauthorized for the NFIP under the annual Federal budget process. The Federal Policy Fee is not considered to be premium and is notsubject to agents' commissions, WYO company expense allowancesunder the Financial Assistance/Subsidy Arrangement, and state orlocal premium taxes. The Federal Policy Fee, in effect as of the effective date of thepolicy term, is charged on all policies issued, both new andrenewals. The fee is charged only once on any policy term and isapplicable to policies with policy term effective dates ofJune 1, 1991, or later. EDIT CRITERIA: Signed number in whole dollars; Acceptable Value: the Federal Policy Fee in effect as of the effective date of the policy term LENGTH: 3 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Other Income Analysis REPORTING REQUIREMENT: Required Part 4 4-97 Revision 4 (10/1/01) Effective 10/1/94 DATA ELEMENT: Federal Policy Fee - Refunded ALIAS: Policy Service Fee ACRONYM: WYO (PMF) Fee_Refunded Direct (PMF) Service_Fee FILE: Policy Master (PMF) DESCRIPTION: Total Federal Policy Fee refunded in dollars and cents for aparticular policy term. See "Cancellation/Voidance Reason" description for instructions on how the refund is calculated. EDIT CRITERIA: Positive numeric in dollars and cents LENGTH: 5 with an implied decimal of two positions DEPENDENCIES: Information is obtained from the Cancellation/Nullification Request Form. SYSTEM FUNCTION: Other Income Analysis REPORTING REQUIREMENT: Required Part 4 4-98 Revision 4 (10/1/01) Effective 10/1/94 DATA ELEMENT: Final Payment Indicator - Building ALIAS: None ACRONYM: WYO (CMF) F-PAY-BLD FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: This data element indicates the status of a case under buildingcoverage as being open, closed, or not applicable. In order to accurately count cases prior to the closing of a loss, thisindicator must be reported unless some other method as describedin Appendix A, Transaction Processing Dictionary, has been usedto convey the status. (See “Open Claim/Loss-Reserve Transaction” data element.) EDIT CRITERIA: Alpha, Acceptable Values: Y - Closed Case/Final PaymentN - Open Case/Not Final PaymentA - No Case/Not Applicable LENGTH: l DEPENDENCIES: Will be supplied by the WYO company. SYSTEM FUNCTION: Reconciles loss reserves with payments. REPORTING REQUIREMENT: Required Part 4 4-99 Revision 4 (10/1/01) Effective 10/1/86 DATA ELEMENTS: Final Payment Indicator - Contents ALIAS: None ACRONYM: WYO (CMF) F-PAY-CONT FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: A code indicating that this payment is the final contents claimpayment for the claim in question. The claim will remain open, ifthere is still a pending claim under building coverage, butReserves for Contents will be zero. EDIT CRITERIA: Alpha, Acceptable Values: Y - Closed Case/Final PaymentN - Open Case/Not Final Payment A - No Case/Not Applicable LENGTH: l DEPENDENCIES: Will be supplied by the WYO company. SYSTEM FUNCTION: Reconciles loss reserves. REPORTING REQUIREMENT: Required Part 4 4-100 Revision 4 (10/1/01) Effective 10/1/86 DATA ELEMENT: Final Payment Indicator - ICC ALIAS: None ACRONYM: (CMF) F-PAY-ICC FILE: Claims Master (CMF) DESCRIPTION: This data element indicates the status of a case under ICC coverage as being open, closed, or not applicable. In order to accurately count cases prior to the closing of a loss, thisindicator must be reported unless some other method as describedin Appendix A, Transaction Processing Dictionary, has been usedto convey the status. (See “Open Claim/Loss-Reserve Transaction” data element.) EDIT CRITERIA: Alpha, Acceptable Values: Y - Closed Case/Final PaymentN - Open Case/Not Final PaymentA - No Case/Not Applicable LENGTH: 1 DEPENDENCIES: Will be supplied by the WYO company. SYSTEM FUNCTION: Reconciles loss reserves with payments. REPORTING REQUIREMENT: Required Part 4 4-101 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: First Lender City ALIAS: None ACRONYM: (PMF) FSTLNDR_CITY FILE: Policy Master File (PMF) Lender Master File (LMF) DESCRIPTION: The name of the city in which the first mortgagee mailing addressis located. EDIT CRITERIA: Alpha LENGTH: 30 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Lender compliance per the NFIP Reform Act of1994 REPORTING REQUIREMENT: Required for policies expired more than120 days. Part 4 4-102 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: First Lender Loan Number ALIAS: None ACRONYM: (PMF) FSTLNDR_LOAN FILE: Policy Master File (PMF) Lender Master File (LMF) DESCRIPTION: The loan number of the first mortgagee. EDIT CRITERIA: Alphanumeric LENGTH: 15 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Lender compliance per the NFIP Reform Act of1994 REPORTING REQUIREMENT: Required for policies expired more than120 days. Part 4 4-103 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: First Lender Name ALIAS: None ACRONYM: (PMF) FSTLNDR_NAME FILE: Policy Master File (PMF) Lender Master File (LMF) DESCRIPTION: The name of the first mortgagee. EDIT CRITERIA: Alphanumeric LENGTH: 30 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Lender compliance per the NFIP Reform Act of1994 REPORTING REQUIREMENT: Required for policies expired more than120 days. Part 4 4-104 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: First Lender State ALIAS: None ACRONYM: (PMF) FSTLNDR_ST FILE: Policy Master File (PMF) Lender Master File (LMF) DESCRIPTION: The state in which the first mortgagee is located. EDIT CRITERIA: Alpha LENGTH: 2 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Lender compliance per the NFIP Reform Act of1994 REPORTING REQUIREMENT: Required for policies expired more than120 days. Part 4 4-105 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: First Lender Street Address ALIAS: None ACRONYM: (PMF) FSTLNDR_STRT FILE: Policy Master File (PMF) Lender Master File (LMF) DESCRIPTION: The mailing street address of the first mortgagee. EDIT CRITERIA: Alphanumeric LENGTH: 50 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Lender compliance per the NFIP Reform Act of1994 REPORTING REQUIREMENT: Required for policies expired more than120 days. Part 4 4-106 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: First Lender ZIP Code ALIAS: None ACRONYM: (PMF) FSTLNDR_ZIP FILE: Policy Master File (PMF) Lender Master File (LMF) DESCRIPTION: The ZIP Code of the first mortgagee. EDIT CRITERIA: Numeric LENGTH: 9 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Lender compliance per the NFIP Reform Act of1994 REPORTING REQUIREMENT: Required for policies expired more than120 days. Part 4 4-107 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: Flood Characteristics ALIAS: None ACRONYM: WYO (CMF) FLOOD-CHAR FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Increased structural damage and contents loss result from higherfloodwater velocities due to debris impact and water momentumforces, scour and erosion of foundation support materials, anddeposition of waterborne suspended solids. Velocity offloodwaters should be separated into two general categories: low velocity and velocity. 1. Low Velocity: Describes those flood conditions under which only ponding, backwater, or little or no movementof floodwater occurs at the building site. These conditions generally occur on the outer edges of thefloodplain, along streams and rivers with flat channelgradients, and in areas where water tends to back upbehind channel obstructions, such as dams, bridges, culverts, and natural constrictions. 2. Velocity: Describes those flood conditions alongnoncoastal streams and rivers where moderate to rapidmovement or flow of water has occurred. Velocity flowgenerally will result in greater damages than willoccur through simple inundation by low-velocity waters. Evidence of debris accumulation and battering, failureof walls, floors or foundations, erosion or underminingof foundation support materials, and foundationdisplacement are indicators of velocity flowconditions. Velocity flow should not be used to describe wave action characteristics found in coastal or large water body locations. Wave Action: Wind-generated waves in coastal areas or on largerinland water bodies (lakes, bays) can result in significantdamages to structures due to foundation and support systembattering and failure through scour and erosion. Wave conditions are normally associated with hurricane and tropical stormactivity along the Gulf and Atlantic coasts, northeastern stormsalong the Atlantic coast north of Cape Hatteras, North Carolina, and low-pressure induced storms and earthquake generated waves inthe Pacific Coast region. This category should not be used forwave turbulence found under velocity flow conditions in inlandriver and stream systems. Part 4 4-108 Revision 4 (10/1/01) Effective 10/1/86 DATA ELEMENT: Flood Characteristics (Cont'd.) DESCRIPTION: (Cont'd.) Mudflow: A condition where there is a river of liquid andflowing mud on the surfaces of normally dry land areas, as whenearth is carried by a current of water. Other earth movements, such as landslide, slope failure, or a saturated soil mass movingby liquidity down a slope, are not mudflows. Erosion: The collapse or subsidence of land along the shore of alake or similar body of water as a result of erosion orundermining caused by waves or currents of water exceedinganticipated cyclical levels, which results in a flood. EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 1 - Velocity Flow2 - Low-Velocity Flow or Ponding3 - Wave Action 4 - Mudflow 5 - Erosion LENGTH: 1 DEPENDENCIES: Information is obtained from the adjuster'sreport. SYSTEM FUNCTION: Analysis of Losses Relative to FloodComparison of Actual Flood with FIRM REPORTING REQUIREMENT: Optional Part 4 4-109 Revision 4 (10/1/01) Effective 12/31/00 DATA ELEMENT: Flood Risk Zone ALIAS: Rate Zone, FIRM Zone, Risk Zone, Zone ACRONYM: DIRECT (PMF) FIRM-ZONEWYO (PMF) FLOOD-ZONE FILE: Policy Master (PMF) Claims Master (CMF) Reinspection Master (RIMF) Elevation Certificate Master (ECMF) Actuarial (APOL) DESCRIPTION: Flood zone in which property is located according to FloodInsurance Rate Map (FIRM). For a description of the flood zones, refer to the NFIP Flood Insurance Manual. EDIT CRITERIA: Alphanumeric, Acceptable Values: A -Special Flood with no Base FloodElevation on FIRM AE, A1-A30 -Special Flood with Base Flood Elevation on FIRM A99 -Special Flood with Protection Zone AH, AHB* -Special Flood with Shallow Ponding AO, AOB* -Special Flood with Sheet Flow X, B -Moderate Flood from primary water source. Pockets of areas subject todrainage problems X, C - Minimal Flood from primary watersource. Pockets of areas subject todrainage problems D - Possible Flood V - Velocity Flood with no Base FloodElevation on FIRM VE, V1-V30 - Velocity Flood with Base FloodElevation on FIRM AE, VE, X - New zone designations used on new mapsstarting January l, l986, in lieu ofA1-A30, V1-V30, and B and C AR - A Special Flood Hazard Area thatresults from the decertification of a previously accredited flood protectionsystem that is determined to be in theprocess of being restored to providebase flood protection AR Dual Zones - AR/AE, AR/A1-A30, AR/AH, AR/AO, AR/A. Areas subject to flooding from failure of the flood protection system (Zone AR) which also overlap an existing Special Flood Hazard Area as a Part 4 4-110 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: Flood Risk Zone (Cont'd.) EDIT CRITERIA: (Cont'd.) dual zone. Dual zones must be converted to a three-character designation and reported as follows: • ARE* - converted from AR/AE -converted from AR/A1-A30 • ARH* - converted from AR/AH • ARO* - converted from AR/AO • ARA* - converted from AR/A *AHB, AOB, ARE, ARH, ARO, and ARA arenot risk zones shown on a map but areacceptable values for rating purposes. LENGTH: 3 DEPENDENCIES: Information is obtained from the Flood Insurance Application and the Elevation Certificate. Zone must be on map or panel used for rating. SYSTEM FUNCTION: Rating Element REPORTING REQUIREMENT: Required in Regular Program unlessAlternate Rating method is used. Part 4 4-111 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: Floodproofed Indicator ALIAS: None ACRONYM: Direct (PMF) Flood-Proof-IndWYO (PMF) FLOOD-PROOF FILE: Policy Master (PMF) Claims Master (CMF) Elevation Certificate Master (ECMF) Actuarial (APOL) DESCRIPTION: Indicates whether or not insured structure has been floodproofed. Floodproofed buildings are designed so they are watertight, withwalls substantially impermeable to the passage of water and withstructural components which have the capability of resistinghydrostatic and hydrodynamic loads and effects of buoyancy thatwould be caused by flood depths, pressures, velocities, impact, and uplift forces associated with the base flood. Nonresidential Buildings: Nonresidential buildings in allRegular Program communities may be floodproofed in lieu ofelevating. Human intervention to accomplish floodproofing ispermitted for nonresidential buildings, but must be described aspart of the floodproofing certification. Human intervention means "that water will enter the building when floods up to thebase flood level occur, unless measures are taken prior to theflood to prevent entry of water (i.e., use of metal shields overdoors and windows)." Residential Buildings: Residential buildings may only be given arate credit for meeting floodproofing requirements that have beenspecifically authorized by FEMA. Human intervention to accomplish floodproofing is NOT CREDITED. EDIT CRITERIA: Alpha, Acceptable Values: Y - Floodproofed N - Not Floodproofed LENGTH: 1 DEPENDENCIES: Information is obtained from the Flood Insurance Application and is certified on the Elevation Certificate. SYSTEM FUNCTION: Underwriting REPORTING REQUIREMENT: Required Part 4 4-112 Revision 4 (10/1/01) Effective 10/1/87 DATA ELEMENT: Foundation Type ALIAS: Foundation Structure, Substructure Type, ElevatingSystem ACRONYM: WYO (CMF) FOUNDATION FILE: Claims Master (CMF) Actuarial (APOL) Recertification Master (RCMF) DESCRIPTION: A. Piles 1. Wood piles are long slender timbers embedded about 10feet or more into the ground, which elevate and supportstructures, possibly elevated above the ground. The usual sizes of wood piles include rough timbers 8inches by 8 inches, 10 inches by 10 inches, and roundpiles with about an 8-inch tip diameter. 2. Concrete piles are long slender precast concretemembers with some reinforcing steel. They are embeddeda number of feet into the ground and supportstructures, possibly elevated above the ground. Sizes may be about 12 inches in diameter and larger. 3. Steel piles are long slender rolled steel H-shapes thatare embedded into the ground and support structures, possibly elevated above the ground. These steel pilesmay be about 8 inches square and larger. B. Piers 1. Concrete block piers may be used to support and elevatestructures above the ground. Unreinforced concrete block piers have the blocksstacked with grout between each block. They may be 12inches square and larger. Reinforced concrete block piers are built as aboveexcept the cavity in hollow blocks is filled withcement grout surrounding several vertical reinforcingsteel bars protruding from the concrete footing intothe pier. The floor beams are firmly attached to thegrout in the block cavity. Part 4 4-113 Revision 4 (10/1/01) Effective 3/1/95 DATA ELEMENT: Foundation Type (Cont'd.) DESCRIPTION: (Cont'd.) 2. Reinforced concrete piers may be used to support andelevate structures above the ground. The pier isformed in square or rectangular shape, with verticalreinforcing steel and horizontal tie steel. Steel dowels should extend from the footing into the pier. Anchor bolts on steel extend from the top of the pierinto the floor beams. C. Posts Wood posts may be used to support and elevaterelatively light structures above the ground. The posts are usually 6 inches by 6 inches or larger andrest on a concrete foundation. D. Foundation Walls 1. Reinforced concrete walls may be used to enclose thelowest level of a structure and concurrently supportthe upper portions of the structure. The concrete would normally be at least 6 inches thick withreinforcing steel running both horizontally andvertically. There should be vertical steel dowels extending out of a concrete footing into the wall. 2. Concrete block walls may be used to enclose the lowestlevel of a structure and concurrently support the upperportions of the structure. The concrete block would be laid with horizontal and vertical joints between theblocks. The wall may be reinforced by filling thecavities in hollow block with cement grout surroundingvertical reinforcing steel. These walls are normallyat least 8 inches thick. 3. Reinforced concrete shear walls may be used to elevateand support a structure. The walls are oriented parallel to the direction of the flow of water. 4. Treated plywood foundation walls have occasionally beenused to support light structures. One form of construction consists of vertical 2x4 or 2x6 studs with top and bottom 2x4 lumber plates and plywood nailed tothese studs. All the wood should be thoroughly treatedto resist decay and insect attack. Part 4 4-114 Revision 4 (10/1/01) Effective 1/17/84 DATA ELEMENT: Foundation Type (Cont'd.) EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 11 - Concrete Piles 12 - Wood Piles 13 - Steel Piles 21 – Reinforced Concrete Piers 22 - Reinforced Concrete Block Piers 23 - Unreinforced Concrete Block Piers 24 - Brick Piers 25 - Other Piers 30 - Wood Posts 41 - Reinforced Concrete Walls 42 - Concrete Block Walls 43 - Reinforced Concrete Shear Walls 44 - Treated Plywood45 - Brick Walls 46 - Other Walls 50 - Concrete Slab 60 – Other LENGTH: 2 DEPENDENCIES: Information is obtained from the adjuster'sreport. SYSTEM FUNCTION: Analysis of Building Design REPORTING REQUIREMENT: Optional Part 4 4-115 Revision 4 (10/1/01) Effective 10/1/86 DATA ELEMENT: ICC Actual Expense ALIAS: ICC Damage Amount, ICC Amount of Repairs ACRONYM: (CMF) ICC-ACTL-EXP FILE: Claims Master (CMF) DESCRIPTION: This is the full amount expended to bring the insured buildinginto compliance with local floodplain management ordinances thatmeet minimum NFIP requirements. Unlike the Increased Cost of Compliance (ICC) claim payment, this amount is not limited by theamount of ICC coverage. EDIT CRITERIA: Positive numeric in whole dollars LENGTH: 10 DEPENDENCIES: Information is obtained from the adjuster'sreport. SYSTEM FUNCTION: Premium and Loss Analysis Rate Analysis REPORTING REQUIREMENT: Required on losses on or after June 1,1997. Part 4 4-116 Revision 4 (10/1/01) Effective 6/1/97 DATA ELEMENT: ICC Claim Indicator ALIAS: None ACRONYM: (CMF) ICC-CLM-IND FILE: Claims Master (CMF) DESCRIPTION: Indicates whether or not a claim has been made under the Increased Cost of Compliance (ICC) coverage of the flood policy. This field also indicates whether the ICC claim is based upon thesubstantial damage or repetitive loss provision of the ICCcoverage. EDIT CRITERIA: Alpha, Acceptable Values: N or blank - Not an ICC claim R - Repetitive Loss ICC claim S - Substantial Damage ICC claim LENGTH: 1 DEPENDENCIES: Information is obtained from the adjuster'sreport. SYSTEM FUNCTION: Premium and Loss Analysis REPORTING REQUIREMENT: Required on losses on or after June 1,1997. Part 4 4-117 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: ICC Claim Payment ALIAS: None ACRONYM: (CMF) PAY-ICC FILE: Claims Master (CMF) DESCRIPTION: Amount in dollars and cents paid for an Increased Cost ofCompliance (ICC) claim. The ICC claim payment includes only thatportion of the payment made to cover expenses directly incurredto bring the building in conformance with the local community'sflood-related building ordinances. EDIT CRITERIA: Signed numeric in dollars and cents LENGTH: 7 with an implied decimal of two positions DEPENDENCIES: Information is obtained from the adjuster'sreport. Insured's policy must cover building lossor damage. SYSTEM FUNCTION: Premium and Loss Analysis REPORTING REQUIREMENT: Required on losses on or after June 1,1997. Part 4 4-118 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: ICC Claim Payment Recovery ALIAS: None ACRONYM: (CMF) REC-ICC FILE: Claims Master (CMF) DESCRIPTION: Amount in dollars and cents recovered on an Increased Cost of Compliance (ICC) claim for reasons other than salvage orsubrogation. EDIT CRITERIA: Signed numeric in dollars and cents LENGTH: 7 with an implied decimal of two positions DEPENDENCIES: None SYSTEM FUNCTION: Premium and Loss Analysis REPORTING REQUIREMENT: Required on losses on or after June 1, 1997. Part 4 4-119 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: ICC Flood Damage Amount - Prior ALIAS: Damage Sustained ACRONYM: (CMF) PRIOR-DAMG-ICC FILE: Claims Master (CMF) DESCRIPTION: The actual cash value in whole dollars of covered damage from theprevious flood claim. This was calculated as part of theprevious flood claim and can be found in the previous claim file. This field is reported only if the Increased Cost of Compliance(ICC) claim is based upon the repetitive loss provision of thecoverage. In that case, the ICC Claim Indicator should be "R." EDIT CRITERIA: Numeric in whole dollars. LENGTH: 10 DEPENDENCIES: Information is obtained from the adjuster'sreport. The adjuster will obtain this value froma review of the previous claim. SYSTEM FUNCTION: Premium and Loss Analysis REPORTING REQUIREMENT: Required on losses on or after June 1,1997. Part 4 4-120 Revision 4 (10/1/01) Effective 6/1/97 DATA ELEMENT: ICC Mitigation Indicator ALIAS: None ACRONYM: (CMF) ICC-MITG-IND FILE: Claims Master (CMF) DESCRIPTION: This indicator describes the type of mitigation effort undertakento bring the structure in compliance with the local community'sflood-related building ordinances. EDIT CRITERIA: Alpha, Acceptable Values: D - Demolition E - Elevation O - Other R - Relocation F - Floodproof LENGTH: 1 DEPENDENCIES: Information is obtained from the adjuster'sreport. SYSTEM FUNCTION: Premium and Loss Analysis REPORTING REQUIREMENT: Required on losses on or after June 1,1997. Part 4 4-121 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: ICC Premium WYO ALIAS: None ACRONYM: WYO (PMF) N-PREM-ICC FILE: Policy Master (PMF) DESCRIPTION: The Increased Cost of Compliance (ICC) premium selected beforeany discounts are applied by the company to rate the policy. EDIT CRITERIA: Unsigned Numeric in whole dollars LENGTH: 3 DEPENDENCIES: Information may be obtained from the Flood Insurance Manual. SYSTEM FUNCTION: Used by the Bureau to research ratinganomalies. REPORTING REQUIREMENT: Required Part 4 4-122 Revision 4 (10/1/01) Effective 5/1/00 DATA ELEMENT: ICC Prior Date of Loss ALIAS: None ACRONYM: (CMF) ICC-PRIOR-LOSS-DATE FILE: Claims Master (CMF) DESCRIPTION: The date of loss from the prior flood claim. This field is reported only if the claim is being filed under the repetitiveloss provision of the Increased Cost of Compliance (ICC) coverage. EDIT CRITERIA: Numeric, Date Format: YYYYMMDD LENGTH: 8 DEPENDENCIES: Information is obtained from the adjuster'sreport. SYSTEM FUNCTION: Premium and Loss Analysis REPORTING REQUIREMENT: Required on losses on or after June 1,1997. Part 4 4-123 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: ICC Property Value - Current ALIAS: None ACRONYM: (CMF) ICC-PROP-VALUE-CURR FILE: Claims Master (CMF) DESCRIPTION: This is the property value as provided by the local communityofficial. In order to qualify for Increased Cost of Compliance(ICC) coverage, the insured must have received a determinationfrom the relevant local community official that the property mustbe brought up to code. As part of that determination, theofficial appraised the value of the structure near the time ofthe current flood loss. That value is to be reported here. EDIT CRITERIA: Numeric, in whole dollars LENGTH: 10 DEPENDENCIES: Information is obtained from the adjuster'sreport. SYSTEM FUNCTION: Premium and Loss Analysis REPORTING REQUIREMENT: Required on losses on or after June 1,1997. Part 4 4-124 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: ICC Property Value - Prior ALIAS: None ACRONYM: (CMF) ICC-PROP-VALUE-PRIOR FILE: Claims Master (CMF) DESCRIPTION: This field is required only in those cases where the IncreasedCost of Compliance (ICC) claim is based upon the repetitive lossprovision of the ICC coverage. In order to qualify for ICC coverage, the insured must havereceived a determination from the relevant local communityofficial that the property must be brought up to code. That determination can be based upon the cumulative effect ofrepetitive losses. As part of that determination, the officialappraised the value of the structure near the time of theprevious flood loss. That value is to be reported here. EDIT CRITERIA: Numeric, in whole dollars LENGTH: 10 DEPENDENCIES: Information is obtained from the adjuster'sreport. SYSTEM FUNCTION: Premium and Loss Analysis REPORTING REQUIREMENT: Required on losses on or after June 1,1997. Part 4 4-125 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: Insurance to Value Ratio Indicator ALIAS: None ACRONYM: WYO (PMF) INS-VAL-IND FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: This data element is required for l98l Post-FIRM Zones V, V1-V30, and VE ratings. It is determined from the ratio of buildinginsurance coverage purchased to replacement cost value of thebuilding. EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 1 - Less than .50 2 - .50 - .74 3 - .75 or More LENGTH: 1 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Underwriting and Rating Verification REPORTING REQUIREMENT: Required for 1981 Post-FIRM Zones V, V1-30, and VE Part 4 4-126 Revision 4 (10/1/01) Effective 10/1/86 DATA ELEMENT: Insured First Name ALIAS: First Name, Policyholder Name ACRONYM: (PMF) FIRST-NAME FILE: Policy Master (PMF) Claims Master (CMF) DESCRIPTION: First name of the individual insuring the property or contents. EDIT CRITERIA: Alpha LENGTH: 25 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Alpha Index Key REPORTING REQUIREMENT: This data element is required forpolicies with a policy effective date onor after April 30, 1996. Prior to this date, either insured name or taxpayer IDwas reported. Part 4 4-127 Revision 4 (10/1/01) Change 9 Effective 5/1/06 DATA ELEMENT: Insured Last Name ALIAS: Insured Name, Last Name, Policyholder Name ACRONYM: (PMF) LAST-NAME FILE: Policy Master (PMF) Claims Master (CMF) DESCRIPTION: Last name of the individual insuring the property or contents. EDIT CRITERIA: Alpha LENGTH: 25 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Alpha Index Key REPORTING REQUIREMENT: This data element is required forpolicies with a policy effective date onor after April 30, 1996. Prior to this date, either insured name or taxpayer IDwas reported. Part 4 4-128 Revision 4 (10/1/01) Change 9 Effective 5/1/06 DATA ELEMENT: Location of Contents Indicator ALIAS: None ACRONYM: Direct (PMF) Contents-LocatorWYO (PMF) LOC-CONT FILE: Policy Master (PMF) Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Code that indicates where within the structure the contents are located. For single-family residential structures, contents areconsidered to be located throughout the structure. For multifamily or nonresidential structures, refer to theappropriate charts in the NFIP Flood Insurance Manual. EDIT CRITERIA: Number; Alphanumeric, Acceptable Values: 1 -Basement/Enclosure only2 -Basement/Enclosure and above3 -Lowest floor only above ground level4 -Lowest floor above ground level and higher floors 5 -Above ground level more than onefull floor 6 -Manufactured (mobile) home or traveltrailer on foundation LENGTH: 1 DEPENDENCIES: Information is obtained from the Flood Insurance Application and the adjuster's report. Contents Location Code in Policy Master and Claims Mastershould be in agreement. SYSTEM FUNCTION: Rating Element REPORTING REQUIREMENT: Required Part 4 4-129 Revision 4 (10/1/01) Change 6 Effective 5/1/04 DATA ELEMENT: Lowest Adjacent Grade ALIAS: None ACRONYM: WYO (PMF) LOWADJ_GRADE FILE: Policy Master File (PMF) Elevation Certificate Master File (ECMF) DESCRIPTION: Lowest natural grade adjacent to the insured structure prior toexcavating or filling. Value 9999.0 indicates the field is not reported and/or used for this policy. EDIT CRITERIA: Numeric, may be positive or negative LENGTH: 6 with an implied decimal of one position DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Used in computing elevation. REPORTING REQUIREMENT: Refer to Part 3 – Reporting Requirements, III. Reporting Requirements forNew/Rollover Indicator, to determine ifthe lowest adjacent grade is requiredbased on reported New/Rollover Indicator. Part 4 4-130 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Lowest Floor Elevation ALIAS: First Floor Elevation, Lowest Floor Including Basement ACRONYM: WYO (PMF) LOW-FLOOR FILE: Policy Master (PMF) Elevation Certificate Master (ECMF) Claims Master (CMF) Actuarial (APOL) DESCRIPTION: A building's lowest floor is the floor or level (includingbasement/enclosure/crawl space) that is used as the point ofreference when rating a building. This includes the level to which a building is floodproofed*. For more definitive information, refer to the NFIP Flood Insurance Manual. The lowest floor elevation of the insured structure in tenths of feet is supported by an elevation survey of the property. Value 9999.0 indicates the field is not reported and/or used for thispolicy. Note: In the Claims Master File (CMF), whole feet are used. *For policies effective on or after May 1, 2005, the actual LFE, BFE, and elevation difference should be reported on floodproofedpolicies. The NFIP will subtract one foot from the reported LFEin order to calculate the elevation difference used in determining the rate and computing the premium. EDIT CRITERIA: Numeric, may be positive or negative LENGTH: 6 with an implied decimal of one position DEPENDENCIES: Information is obtained from the Flood Insurance Application and the Elevation Certificate. SYSTEM FUNCTION: Used in computing elevation difference betweenlowest floor and base flood elevation (BFE) REPORTING REQUIREMENT: Required on policies with an originalnew business date on or after October 1,1997, and the policy effective date onor after May 1, 2006. Unnumbered ‘A’ Zone policies, Group Flood policies, provisionally rated policies, andtentatively rated policies are excludedfrom reporting the LFE. NOTE: For policies effective prior to May 1, 2006, it is stilladvisable to continue reporting the BFE and LFE (other than9999.0), if available, in order to calculate the correctelevation difference. Part 4 4-131 Revision 4 (10/1/01) Change 9 Effective 5/1/06 DATA ELEMENT: Mailing City ALIAS: City ACRONYM: (MAMF) CITY FILE: Mailing Address Master (MAMF) DESCRIPTION: The name of the city in which the mailing address is located. EDIT CRITERIA: Alpha LENGTH: 30 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Primary Key REPORTING REQUIREMENT: Required Part 4 4-131A Revision 4 (10/1/01) Change 8 Effective 10/1/05 DATA ELEMENT: Mailing State ALIAS: State ACRONYM: (MAMF) STATE FILE: Mailing Address Master (MAMF) DESCRIPTION: The two-character alpha abbreviation of the state in which the mailing address is located. EDIT CRITERIA: Alpha LENGTH: 2 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Primary Key REPORTING REQUIREMENT: Required Part 4 4-131B Revision 4 (10/1/01) Change 8 Effective 10/1/05 DATA ELEMENT: Mailing Street Address ALIAS: Mailing Address 1, Mailing Address 2 ACRONYM: (MAMF) ADDRESS1 (MAMF) ADDRESS2 FILE: Mailing Address Master (MAMF) DESCRIPTION: The insured’s mailing street address. Mailing Address 1 and 2may be used when mailing location is described with descriptiveinformation. If a standard address consisting of street number, street name, and street type is used, then this must be recordedin Mailing Address 2. P.O. Boxes are acceptable. EDIT CRITERIA: Only street address or other location informationshould be entered in these fields. City, state, and ZIP Code are not to be entered in these fields. LENGTH: 50 X 2 occurrences DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Primary Key REPORTING REQUIREMENT: Required Part 4 4-131C Revision 4 (10/1/01) Change 8 Effective 10/1/05 DATA ELEMENT: Mailing ZIP Code ALIAS: ZIP Code, ZIP ACRONYM: (MAMF) ZIP1 (MAMF) ZIP2 FILE: Mailing Address Master (MAMF) DESCRIPTION: The ZIP Code designated to the mailing street address. EDIT CRITERIA: Numeric. ZIP 1 must be 5 digits. ZIP 2 must be 4 digits. LENGTH: 9 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Primary Key REPORTING REQUIREMENT: Required Part 4 4-131D Revision 4 (10/1/01) Change 8 Effective 10/1/05 DATA ELEMENT: Map Panel Number ALIAS: Panel, Panel Number, Grid Number of Flood Map ACRONYM: Direct (PMF) Community-PanelDirect (PMF) Panel Number (CM-Panel-Number) (COMF) WYO (PMF) W-PANEL-NO FILE: Policy Master (PMF) Community Master (COMF) Actuarial (APOL) DESCRIPTION: Identifies the number of the flood map panel that includes thelocation of the insured property, if the map is of the z-foldtype. The flood map panel provides the information necessary todetermine whether or not the insured property is in the SpecialFlood Hazard Area in the case of Emergency Program communities, or to determine flood risk zone and Base Flood Elevation in the case of Regular Program communities. EDIT CRITERIA: Alphanumeric; must be all numerals or all blanks. Zero or blanks will be accepted for the following conditionsonly: • The Regular/Emergency Program indicator is ‘E’ (EmergencyProgram), or • The Risk Rating method is ‘G’ (Group Flood policies), or • The community has only an active zero map panel or activeblank map panel for the reported map suffix, or • The Risk Rating method is ‘3’ (Alternative Rating). If the community has active map panels (other than zeros orblanks) for the reported map suffix, one of these active mappanels must be used. LENGTH: 4 DEPENDENCIES: Information is obtained from the Elevation Certificate. SYSTEM FUNCTION: Validates flood risk zone used for ratingpolicy. REPORTING REQUIREMENT: Also refer to Part 3 – ReportingRequirements, III. ReportingRequirements for New/Rollover Indicator, to determine if the map panel number isrequired based on reported New/RolloverIndicator. Part 4 4-132 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Map Panel Suffix ALIAS: Map Suffix, Map Version Identifier, Suffix ACRONYM: Direct (PMF) Community-Suffix Direct (PMF) CM-Community-Suffix (COMF) WYO (PMF) PANEL-SUF FILE: Policy Master (PMF) Reinspection Master (RIMF) Actuarial (APOL) Community Master (COMF) Elevation Certificate Master (ECMF) DESCRIPTION: Signifies number of times a flood map or panel has been revised. Highest suffix in alphabetical order signifies latest revision. The suffix also indicates whether or not the proper version of amap was used when the policy was rated. EDIT CRITERIA: Alpha, moves sequentially from A LENGTH: 1 DEPENDENCIES: Information is obtained from the Flood Insurance Application and verified at the time of a claim. SYSTEM FUNCTION: Validates flood risk zone used for ratingpolicy. REPORTING REQUIREMENT: Required Part 4 4-133 Revision 4 (10/1/01) Change 1 Effective 5/1/02 DATA ELEMENT: Name Format Indicator ALIAS: None ACRONYM: (PMF) NAME-FORMAT FILE: Policy Master (PMF) DESCRIPTION: This data element indicates whether the 50 characters providedfor Insured Last Name and Insured First Name are used for a person's name or as one continuous name as a group. EDIT CRITERIA: Alpha, Acceptable Values: P - Person G - Group LENGTH: 1 DEPENDENCIES: Information to determine the indicator is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Proper recognition of name field REPORTING REQUIREMENT: Required Part 4 4-134 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: Name or Descriptive Information Indicator ALIAS: None ACRONYM: WYO (PMF) NAME FILE: Policy Master (PMF) DESCRIPTION: Code indicating whether the property address is standard addressformat, such as 123 East Maple St., or is descriptive text, suchas Lot 33, Block 10. EDIT CRITERIA: Alpha, Acceptable Values: N - Name D - Descriptive LENGTH: 1 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Identifies address format. REPORTING REQUIREMENT: Required Part 4 4-135 Revision 4 (10/1/01) Effective 1/17/84 DATA ELEMENT: New Date of Loss ALIAS: None ACRONYM: (CMF) DT-OF-LOSS FILE: Claims Master (CMF) DESCRIPTION: This is the correct date on which water first entered the insured structure that is being reported on the Change Date of Loss Key(84A) transaction. EDIT CRITERIA: Numeric, Date Format: YYYYMMDD LENGTH: 8 DEPENDENCIES: Information is obtained from the Notice of Loss submitted by the insured's agent. This date of loss must not be on the NFIP/WYO file for therecord specified by the policy number and WYOprefix code. SYSTEM FUNCTION: Correction of Date of Loss REPORTING REQUIREMENT: Required Part 4 4-136 Revision 4 (10/1/01) Effective 10/1/96 DATA ELEMENT: New Payment Date ALIAS: None ACRONYM: (CMF) PAY-DT FILE: Claims Master (CMF) DESCRIPTION: This is the correct date a payment for a claim is made that isbeing reported on the Change Payment Date Key (87A) transaction. EDIT CRITERIA: Numeric, Date Format: YYYYMMDD LENGTH: 8 DEPENDENCIES: Information is generated by WYO Company. The payment date must not be on the NFIP/WYO file forthe loss. SYSTEM FUNCTION: Correction of Payment Date REPORTING REQUIREMENT: Required Part 4 4-137 Revision 4 (10/1/01) Effective 5/1/00 DATA ELEMENT: New Policy Number ALIAS: Application Control Number ACRONYM: Direct (PMF) Application Control Number (ACN-Number) Direct (CMF) Pol-Num Policy (AMF) WYO (PMF) POL-NOWYO (CMF) POLICY-NO FILE: Policy Master (PMF) Claims Master (CMF) Agent Master (AMF) Recertification Master (RCMF) Reinspection Master (RIMF) Elevation Certificate Master (ECMF) Actuarial (APOL) DESCRIPTION: The correct policy number that is used by the WYO company andreported on the Change Policy Number Key (81A) transaction. EDIT CRITERIA: Alphanumeric, must be a full 10 characters andunique. No spaces are allowed. LENGTH: 10 DEPENDENCIES: The policy number assigned by a WYO company willbe prefixed by a unique company number, the WYOPrefix Code. This policy number must not be onthe NFIP/WYO file for the WYO prefix code. See record layout for further details. SYSTEM FUNCTION: Correction of Policy Number REPORTING REQUIREMENT: Required Part 4 4-138 Revision 4 (10/1/01) Change 3 Effective 10/1/02 DATA ELEMENT: New/Rollover Indicator ALIAS: Rollover ACRONYM: (PMF) ROLLOVER FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: Code indicating whether: • The policy is a new issue generated by the WYO company (N). • The policy was transferred from one WYO company to another andis considered a rollover or renewal (R). • The policy is renewed by the WYO company but reported as newbusiness due to either a cancellation/rewrite or conversion ofan existing policy to a new NFIP policy form (R). • The policy was transferred from NFIP Direct to a WYO company andis considered a rollover or renewal (R). • The policy was canceled and rewritten for TRRP reason code 22. This is used when an MPPP policy was canceled and rewritten, andwhen changes are due to system constraints. It should also be used to identify a policy that was canceled as a standard X Zonepolicy and rewritten as a PRP due to misrating (Z). • The policy was canceled and rewritten for TRRP reason code 24. This is used to identify a policy that was canceled as astandard rated policy and rewritten as a PRP as a result of amap revision, LOMA, or LOMR (Z). • Effective May 1, 2005, code ‘E’ will no longer be valid. Policies with original new business dates prior to May 1, 2005, and reported with ‘E’ will not be required to report lowestadjacent grade, diagram number, elevation certification date, replacement cost, and map panel number. EDIT CRITERIA: Alpha, Acceptable Values: N - New Issue R - Rollover/RenewalE - (Canceled effective May 1, 2005) Z -Rewritten for TRRP cancellation reason codes 22 and 24 LENGTH: 1 DEPENDENCIES: Will be provided by WYO company or agent. SYSTEM FUNCTION: Marketing AnalysisWYO Program EvaluationRating REPORTING REQUIREMENT: Required Part 4 4-139 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Number of Floors (Including Basement)/Building Type ALIAS: None ACRONYM: Direct (PMF) Number-of-FloorsDirect (CMF) Num-StoriesWYO (PMF) BUILDING FILE: Policy Master (PMF) Claims Master (CMF) Recertification Master (RCMF) Reinspection Master (RIMF) Actuarial (APOL) DESCRIPTION: Code that indicates the number of floors in the insured structure. Refer to the NFIP Standard Flood Insurance Policy forthe definition of a building. EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 1 - One floor 2 - Two floors 3 - Three or more floors 4 - Split-level5 - Manufactured (mobile) home or travel trailer on foundation 6 - Townhouse/Rowhouse with three or more floors (RCBAP Low-rise only) LENGTH: 1 DEPENDENCIES: Information is obtained from the Flood Insurance Application. Claims Master should be in agreement with Policy Master. SYSTEM FUNCTION: Rating Element REPORTING REQUIREMENT: Required Part 4 4-140 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Obstruction Type ALIAS: None ACRONYM: WYO (PMF) OBSTRUCTION FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: This describes the type of obstruction that may be present underan elevated building. An obstruction includes an enclosed area and/or machinery and equipment attached to the building below thelowest elevated floor. Enclosed Area: An enclosure is that portion of an elevatedbuilding below the lowest elevated floor that is either partiallyor fully shut in by rigid walls. Certain areas are considered to be free of obstruction if the areas have: (1) insect screening, provided that no additionalsupports are required for the screening; or (2) wooden or plasticlattice with at least 40 percent of its area open and made ofmaterial no thicker than ½ inch; or (3) wooden or plastic slatsor shutters with at least 40 percent of their area open and madeof material no thicker than 1 inch. In zones other than V, Vl-V30, and VE, unfinished enclosed areasconstructed with openings, such as with parallel shear walls, open lattice walls, discontinuous foundation walls, orcombination thereof, to facilitate the free movement of water, are not considered to be obstructions. Machinery and equipment attached to a building below the lowestelevated floor and below the BFE are always considered to beobstructions, whether or not they are enclosed. In Zones V, Vl-V30, and VE, solid breakaway walls, nonbreakawaywalls, or finished areas below the lowest elevated floor arealways considered to be an obstruction. EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 10 - Free of obstruction (See NOTE) 15 - With obstruction: enclosure/crawlspace withproper openings not used for rating (notapplicable in V Zones) 20 - With obstruction: less than 300 sq. ft. with breakaway walls, but no machinery orequipment attached to building below lowestelevated floor, or the elevation of themachinery or equipment is at or above theBase Flood Elevation 24 - With obstruction: less than 300 sq. ft. with breakaway walls and with machinery orequipment attached to building below lowestelevated floor. The elevation of the machinery or equipment is below the BaseFlood Elevation. Part 4 4-141 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Obstruction Type (Cont'd.) EDIT CRITERIA: (Cont'd.) 30 - With obstruction: 300 sq. ft. or more withbreakaway walls, but no machinery orequipment attached to building below lowestelevated floor 34 - With obstruction: 300 sq. ft. or more withbreakaway walls and with machinery orequipment attached to building below lowestelevated floor 40 - With obstruction: no walls, but theelevation of machinery or equipmentattached to building is below Base FloodElevation (NOTE: Use Obstruction Type “10” and Without Obstruction Rate Table if the elevation of machinery or equipment is ator above the Base Flood Elevation.) 50 - With obstruction: nonbreakaway walls withno machinery or equipment attached tobuilding below lowest elevated floor 54 - With obstruction: nonbreakaway walls withmachinery or equipment attached to buildingbelow lowest elevated floor 60 - With obstruction LENGTH: 2 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Rating Element REPORTING REQUIREMENT: Required NOTE: If the Original New Business date is on or after October1, 2001, and the Elevated Building indicator is ‘N’ (notelevated), then the Obstruction Type must be blank. Prior to October 1, 2001, the obstruction type can be either‘10’ or blank. Part 4 4-142 Revision 4 (10/1/01) Change 3 Effective 10/1/02 DATA ELEMENT: Occupancy Type ALIAS: None ACRONYM: Direct (PMF) Occupancy-CodeDirect (CMF) Occ-CodeWYO (PMF) OCCUPANCY FILE: Policy Master (PMF) Claims Master (CMF) Recertification Master (RCMF) Actuarial (APOL) DESCRIPTION: Code indicating the use and occupancy type of the insuredstructure. EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 1 – Single-Family2 – Two– to Four-Family3 - Other Residential 4 - Nonresidential LENGTH: 1 DEPENDENCIES: Information is obtained from the Flood Insurance Application and the adjuster's report. SYSTEM FUNCTION: Rating Element REPORTING REQUIREMENT: Required Part 4 4-143 Revision 4 (10/1/01) Effective 10/1/86 DATA ELEMENT: Old Date of Loss ALIAS: None ACRONYM: (CMF) DT-OF-LOSS FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: The date of loss that is currently on file for the recordspecified by the policy number and WYO prefix code, and is to becorrected. EDIT CRITERIA: Numeric, Date Format: YYYYMMDD LENGTH: 8 DEPENDENCIES: This date of loss must be on file for the loss record that is to be corrected. SYSTEM FUNCTION: Correction of Date of Loss REPORTING REQUIREMENT: Required Part 4 4-144 Revision 4 (10/1/01) Effective 10/1/96 DATA ELEMENT: Old Payment Date ALIAS: None ACRONYM: (CMF) PAY-DT FILE: Claims Master (CMF) DESCRIPTION: The payment date that is currently on file for the loss and is to be corrected. EDIT CRITERIA: Numeric, Date Format: YYYYMMDD LENGTH: 8 DEPENDENCIES: The payment date must be on file for the lossrecord that is to be corrected. SYSTEM FUNCTION: Correction of Payment Date REPORTING REQUIREMENT: Required Part 4 4-145 Revision 4 (10/1/01) Effective 10/1/96 DATA ELEMENT: Old Policy Number ALIAS: Application Control Number ACRONYM: Direct (PMF) Application Control Number (ACN-Number) Direct (CMF) Pol-NumDirect (AMF) PolicyWYO (PMF) POL-NOWYO (CMF) POLICY-NO FILE: Policy Master (PMF) Claims Master (CMF) Agent Master (AMF) Recertification Master (RCMF) Reinspection Master (RIMF) Elevation Certificate Master (ECMF) DESCRIPTION: The policy number that is currently on file and is to becorrected. EDIT CRITERIA: Alphanumeric, must be unique LENGTH: 10 DEPENDENCIES: The policy number must be on file for the lossrecord that is to be corrected. SYSTEM FUNCTION: Primary Reference KeyPolicy History Claim History Policy Count REPORTING REQUIREMENT: Required Part 4 4-146 Revision 4 (10/1/01) Effective 10/1/87 DATA ELEMENT: Original Construction Date/Substantial ImprovementDate ALIAS: New Construction Date, Construction Date ACRONYM: Direct (PMF) New-Construction-Date Direct (CMF) New-Const-Date WYO (PMF) ORIG-CONST FILE: Policy Master (PMF) Claims Master (CMF) Recertification Master (RCMF) Actuarial (APOL) DESCRIPTION: Date of building construction or substantial improvement. Date of Construction - Building: The start of construction or substantial improvement for insurance purposes means the date thebuilding permit was issued provided the actual start ofconstruction, repair, reconstruction, or improvement was within180 days of the permit date. If the construction date is a date prior to the year 1900, report this date as January 1, 1900. Date of Construction - Manufactured (Mobile) Homes, IncludingTravel Trailers: The date of construction for a mobile home is different from a standard building and depends upon the locationof the mobile home. For mobile homes located in mobile home parks and subdivisions, the date of construction is the date facilities were constructed for servicing the mobile home site, or the date of the permit, provided that construction began within 180 days of the permitdate. For mobile homes not located in mobile home parks orsubdivisions, but located on individually owned lots or tracts ofland, the date of construction is the date the mobile home waspermanently affixed to the site or the permit date if affixed tothe site within 180 days of the date of the permit. Substantial Improvement: "Substantial improvement" means anyreconstruction, rehabilitation, addition, or other improvement ofa structure, the cost of which equals or exceeds 50 percent ofthe market value of the structure before the "start of construction" of the improvement. This term includes structures that have incurred "substantial damage," regardless of the actualrepair work performed. The term does not, however, includeeither: Part 4 4-147 Revision 4 (10/1/01) Effective 12/31/00 DATA ELEMENT: Original Construction Date/Substantial ImprovementDate (Cont'd.) DESCRIPTION: (Cont'd.) (1) Any project for improvement of a structure to correctexisting violations of state or local health, sanitary, or safety code specifications that have been identifiedby the local code enforcement official and which are theminimum necessary to ensure safe living conditions; or (2) Any alteration of a "historic structure," provided thatthe alteration will not preclude the structure'scontinued designation as a "historic structure." EDIT CRITERIA: Numeric, Date Format: YYYYMMDD LENGTH: 8 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Premium ComputationUnderwriting REPORTING REQUIREMENT: Required Part 4 4-148 Revision 4 (10/1/01) Effective 10/1/96 DATA ELEMENT: Original Submission Month ALIAS: None ACRONYM: None FILE: Reject Master File DESCRIPTION: This information is required when a transaction is beingresubmitted after having been previously rejected by the NFIP/WYOSystem. The information is not required on the transactions thatare submitted to correct data on the NFIP/WYO System so that theprocessing of the previously rejected transaction can take place. The Original Submission Month should always be the month in whichthe originally rejected transaction was submitted even ifsubsequent transactions resubmitted to correct the rejectioncondition are also rejected. Although not required, the OriginalSubmission Month may be reported on all transactions. EDIT CRITERIA: Numeric, Date Format: YYYYMM LENGTH: 6 DEPENDENCIES: Provided by the WYO company. SYSTEM FUNCTION: Reconciliation of Rejected Transactions, Resubmitted Information, and Monthly FinancialStatement REPORTING REQUIREMENT: Required Part 4 4-149 Revision 4 (10/1/01) Effective 10/1/96 DATA ELEMENT: Payment Date ALIAS: None ACRONYM: (CMF) PAY-DT FILE: Claims Master (CMF) DESCRIPTION: This is the date a payment for a claim is made. EDIT CRITERIA: Numeric, Date Format: YYYYMMDD LENGTH: 8 DEPENDENCIES: Information is generated by WYO company. SYSTEM FUNCTION: Claims History REPORTING REQUIREMENT: Required Part 4 4-150 Revision 4 (10/1/01) Effective 10/1/96 DATA ELEMENT: Payment Recovery Date ALIAS: None ACRONYM: (CMF) REC-PAY-DT FILE: Claims Master (CMF) DESCRIPTION: The date a payment for a building claim, contents claim, or ICCclaim was recovered. This date should reflect the PaymentRecovery Date that appears on a WYO company's books. EDIT CRITERIA: Numeric, Date Format: YYYYMMDD LENGTH: 8 DEPENDENCIES: Information is generated by the WYO company. SYSTEM FUNCTION: Claims History REPORTING REQUIREMENT: Required Part 4 4-151 Revision 4 (10/1/01) Effective 6/1/97 DATA ELEMENT: Policy Effective Date ALIAS: Inception Date, Start Date ACRONYM: Direct (PMF) Policy-Start-Date Direct (CMF) Effective Date (Effect-Date) WYO (PMF) POL-EFF-DT FILE: Policy Master (PMF) Claims Master (CMF) Recertification Master (RCMF) Reinspection Master (RIMF) Elevation Certificate Master (ECMF) Actuarial (APOL) V-Zone Individual Risk Rating Master (VIRMF) DESCRIPTION: Effective March 1, 1995, the standard waiting period for newbusiness applications and for endorsements increasing coverage is30 days from the date of application and the presentment ofpremium. (Example: A policy applied for on April 3 would becomeeffective at 12:01 a.m. on May 3.) The 30-day waiting period rule has two exceptions. 1. Any purchase of flood insurance for a mortgage, that is inconnection with making, increasing, extending, or renewing aloan will have no waiting period, provided that the policy isapplied for and the presentment of premium is made at orprior to the loan closing. 2. The second exception is also related to any first timepurchase of flood insurance for a mortgage, that is inconnection with making, increasing, extending, or renewing aloan. During the 13-month period following the issuance of arevised flood map, the effective date of the new policy willbe 1 calendar day after the application date and thepresentment of premium. This exception should be appliedonly in those cases where the map revision places a propertyin an SFHA and the property was not in an SFHA before the maprevision. For business written through the NFIP Servicing Agent, presentment of premium is determined by the date of receipt ofpremium at the office of the NFIP or the date of certified mail, or in the case of transfer of title, when the premium is paid atthe settlement or closing. For a WYO Company, presentment ofpremium is determined by the date of receipt at the company'scontracted agent's office. Part 4 4-152 Revision 4 (10/1/01) Effective 10/1/96 DATA ELEMENT: Policy Effective Date (Cont'd.) EDIT CRITERIA: Numeric, Date Format: YYYYMMDD LENGTH: 8 DEPENDENCIES: Date is determined from the application date onthe Flood Insurance Application. SYSTEM FUNCTION: Premium ComputationEarnings Computation Accident Year CompilationPolicy Year CompilationPolicy in Force Compilation REPORTING REQUIREMENT: Required Part 4 4-153 Revision 4 (10/1/01) Effective 10/1/96 DATA ELEMENT: Policy Expiration Date ALIAS: None ACRONYM: (PMF) POL-EXP-DT FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: Date of Policy Expiration EDIT CRITERIA: Numeric, Date Format: YYYYMMDD LENGTH: 8 DEPENDENCIES: Expiration date of the policy is normally either 1year or 3 years from the policy effective datedepending upon the policy term chosen. Other terms between 1 and 3 years may be written tocoincide with the terms of other homeowner's insurance policies, and this date will reflectthat term. Expiration date is also used todetermine when renewal notices and termination notices are sent. Note: Policy terms consisting of 3 years willapply only to Group Flood policies. SYSTEM FUNCTION: Earnings ComputationAccident Year CompilationPolicy Year CompilationPolicy in Force Compilation REPORTING REQUIREMENT: Required Part 4 4-154 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Policy Number ALIAS: Application Control Number ACRONYM: Direct (PMF) Application Control Number (ACN-Number) Direct (CMF) POL-NODirect (AMF) POL-NOWYO (PMF) POL-NO1, POL-NO2, POL-NO3WYO (CMF) POLICY-NO FILE: Policy Master (PMF) Claims Master (CMF) Agent Master (AMF) Recertification Master (RCMF) Reinspection Mast (RIMF) Elevation Certificate Master (ECMF) Actuarial (APOL) DESCRIPTION: The policy number will be that used by the WYO company. EDIT CRITERIA: Alphanumeric, must be a full 10 characters andunique. No spaces are allowed. LENGTH: 10 DEPENDENCIES: The policy number assigned by a WYO company willbe prefixed by a unique company number, the WYOPrefix Code. See record layout for furtherdetails. SYSTEM FUNCTION: Primary Reference KeyPolicy History Claim History Policy Count REPORTING REQUIREMENT: Required Part 4 4-155 Revision 4 (10/1/01) Change 3 Effective 10/1/02 DATA ELEMENT: Policy Term Indicator ALIAS: Years in Policy Term ACRONYM: Direct (PMF) NBR-Policy-TermsDirect (CMF) NBR-Pol-TermsWYO (PMF) W-POL-TRM FILE: Policy Master (PMF) Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Indicates length of time for which policy is in effect. As set forth in the Flood Insurance Application form, coverage isprovided for an initial policy term of 1 or 3 years and forsuccessive terms of 1 or 3 years, provided the premium for eachsucceeding term is paid in full and received by the NFIP prior tothe expiration of the then current term. Other terms between 1 and 3 years may be written to coincide with the term of otherhomeowner's insurance policies. Preferred Risk Policies are allowed only 1-year terms. Three-year terms are allowed only for Group Flood policies. EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 1 - 1 year3 - 3 years (only for policies effective priorto May 1, 1999) 9 - Other (between 1 and 3 years) LENGTH: 1 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Premium ComputationEarnings Computation REPORTING REQUIREMENT: Required Part 4 4-156 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Policy Termination Date ALIAS: Policy Cancellation Date, Termination Date, Cancellation Date ACRONYM: (PMF) CANC-DT FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: Date upon which the cancellation of a flood insurance policybecomes effective. EDIT CRITERIA: Numeric, Date Format: YYYYMMDD LENGTH: 8 DEPENDENCIES: Information is obtained from the Cancellation/ Nullification Request Form. SYSTEM FUNCTION: Policy HistoryComputation of Earned PremiumComputation of Premium Refund REPORTING REQUIREMENT: Required Part 4 4-157 Revision 4 (10/1/01) Effective 10/1/96 DATA ELEMENT: Post-FIRM Construction Indicator ALIAS: New Construction Indicator ACRONYM: Direct (PMF) New-Construction-Code WYO (RMF) POST-FIRM FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: Indicates whether construction was started before or after publication of the FIRM. For insurance rating purposes, buildings for which the start of construction or substantialimprovement was after December 31, 1974, or on or after theeffective date of the initial FIRM for the community, whicheveris later, are considered Post-FIRM construction. EDIT CRITERIA: Alpha, Acceptable Values: Y - Post-FIRM Construction N - Pre-FIRM Construction LENGTH: 1 DEPENDENCIES: Information is obtained from the Flood Insurance Application and the adjuster's report. SYSTEM FUNCTION: Premium ComputationUnderwriting REPORTING REQUIREMENT: Required Part 4 4-158 Revision 4 (10/1/01) Effective 1/17/84 DATA ELEMENT: Premium Payment Indicator ALIAS: None ACRONYM: WYO (PMF) PREM-PAY-IND FILE: Policy Master (PMF) DESCRIPTION: A code indicating the payment mechanism used to purchase a floodinsurance policy. EDIT CRITERIA: Alpha, Acceptable Values: C - Credit Card premium paymentBlank - Cash/Check premium payment LENGTH: 1 DEPENDENCIES: Information is obtained from the Flood Insurance Application, Renewal form, or General ChangeEndorsement form. SYSTEM FUNCTION: Reconciliation of credit card payment betweenthe U.S. Treasury Deposit Report and a WYOCompany's reported financial statement amount REPORTING REQUIREMENT: Required Part 4 4-159 Revision 4 (10/1/01) Effective 7/1/95 DATA ELEMENT: Principal Residence Indicator ALIAS: Primary Residence ID ACRONYM: Direct (PMF) Primary-Res-IndicatorWYO (PMF) PRINCIPAL FILE: Policy Master (PMF) Claims Master (CMF) Recertification Master (RCMF) Actuarial (APOL) DESCRIPTION: Indicates whether or not the insured building is the primaryresidence of the insured. A single-family dwelling qualifies as the principal residence ofthe insured provided that, at the time of loss, the named insuredor the named insured's spouse has lived in the dwelling foreither (1) 80 percent of the 365 days immediately preceding theloss, or (2) 80 percent of the period of ownership of the insureddwelling, if ownership is less than 365 days. EDIT CRITERIA: Alpha, Acceptable Values: Y - Principal Residence of InsuredN - Not Principal Residence LENGTH: 1 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Determination of basis for claims settlement REPORTING REQUIREMENT: Required Part 4 4-160 Revision 4 (10/1/01) Effective 12/31/00 DATA ELEMENT: Probation Surcharge Amount WYO ALIAS: None ACRONYM: WYO (PMF) COMM-PROB-WYO FILE: Policy Master (PMF) DESCRIPTION: The probation surcharge amount calculated by the company to ratethe policy. EDIT CRITERIA: Unsigned Numeric in whole dollars LENGTH: 3 DEPENDENCIES: Information may be obtained from the FloodInsurance Manual. SYSTEM FUNCTION: Used by the Bureau to research ratinganomalies. REPORTING REQUIREMENT: Required Part 4 4-161 Revision 4 (10/1/01) Effective 5/1/00 DATA ELEMENT: Property Beginning Street Number ALIAS: None ACRONYM: (PMF) BEG_ST_NUM FILE: Policy Master File (PMF) DESCRIPTION: Beginning street number of a range of street numbers for theinsured property. EDIT CRITERIA: Alphanumeric LENGTH: 10 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Primary Key REPORTING REQUIREMENT: Required when reporting street numberranges. Part 4 4-162 Revision 4 (10/1/01) Effective 10/1/96 DATA ELEMENT: Property City ALIAS: City ACRONYM: (PMF) CITY FILE: Policy Master (PMF) Claims Master (CMF) Elevation Certificate Master (ECMF) Actuarial (APOL) Recertification Master (RCMF) Reinspection Master (RIMF) DESCRIPTION: The name of the city in which the insured property is located. EDIT CRITERIA: Alpha LENGTH: 30 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Primary Key REPORTING REQUIREMENT: Required Part 4 4-163 Revision 4 (10/1/01) Effective 10/1/96 DATA ELEMENT: Property State ALIAS: State ACRONYM: Direct (PMF) INS-StateDirect (PMF) Insured StateDirect (PMF) Property StateWYO (PMF) STATE FILE: Policy Master (PMF) Claims Master (CMF) Elevation Certificate Master (ECMF) Actuarial (APOL) Recertification Master (RCMF) Reinspection Master (RIMF) DESCRIPTION: The two-character alpha abbreviation of the state in which theinsured property is located. EDIT CRITERIA: Alpha LENGTH: 2 DEPENDENCIES: Must agree with first two digits of Community IDNumber. For example, all communities beginningwith a community ID of 01 must have a state codeof AL. SYSTEM FUNCTION: Primary Key REPORTING REQUIREMENT: Required Part 4 4-164 Revision 4 (10/1/01) Effective 1/17/84 DATA ELEMENT: Property Street Address ALIAS: Property Address 1, Property Address 2 ACRONYM: (PMF) ADDRESS1 (PMF) ADDRESS2 FILE: Claims Master (CMF) Policy Master (PMF) Elevation Certification Master (ECMF) Actuarial (APOL) Recertification Master (RCMF) Reinspection Master (RIMF) DESCRIPTION: The street address of the insured property. Property Address 1and 2 may be used when property location is described withdescriptive information. If a standard address consisting ofstreet number, street name, and street type is used, then thismust be recorded in Property Address 2. P.O. Boxes are not acceptable. If a range of street numbers is used, report the ending streetnumber in Property Address 2 along with the street name andstreet type. The beginning street number of the range isreported in "Property Beginning Street Number" data element. EDIT CRITERIA: Only street address or other locationinformation should be entered in these fields. City, state, and ZIP Code are not to be entered in these fields. LENGTH: 50 X 2 occurrences DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Primary Key REPORTING REQUIREMENT: Required Part 4 4-165 Revision 4 (10/1/01) Effective 10/1/96 DATA ELEMENT: Property Value - Appurtenant (ACV) ALIAS: None ACRONYM: Direct (CMF) Prop-Val-Bldg WYO (CMF) VAL-APP FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: The actual cash value before flood damage of eligible appurtenantstructures that service the insured one– to four-family dwellingin whole dollars. (See the NFIP Flood Insurance Manual forfurther details.) Actual cash value is replacement cost lessdepreciation. This value is based on the adjuster's visual inspection and bestinformed judgment of the building value just prior to the flooddamage. It is not based on a detailed actual cash value analysis. The value, however, is important information used inflood insurance rate making. EDIT CRITERIA: Positive numeric in whole dollars LENGTH: 7 DEPENDENCIES: Information is obtained from the adjuster'sreport. SYSTEM FUNCTION: Rate Analysis REPORTING REQUIREMENT: Optional Part 4 4-166 Revision 4 (10/1/01) Effective 12/31/00 DATA ELEMENT: Property Value - Main (ACV) ALIAS: None ACRONYM: Direct (CMF) Prop-Val-BldgWYO (CMF) VAL-MAIN FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: The actual cash value before flood damage of the main building inwhole dollars. Actual cash value is replacement cost lessdepreciation. This value is based on the adjuster's visual inspection and best- informed judgment of the building value just prior to flooddamage. It is not based on a detailed actual cash value analysis. The value, however, is important information used inflood insurance rate making. Report the property value on an actual cash value basis even ifthe claim on the main building is being paid on a replacementcost basis. There are other fields for reporting replacementcost value. (See “Replacement Cost” and “Replacement CostIndicator” data elements.) EDIT CRITERIA: Positive numeric in whole dollars LENGTH: 10 DEPENDENCIES: Information is obtained from the adjuster'sreport. SYSTEM FUNCTION: Rate AnalysisInsurance to Value Analysis REPORTING REQUIREMENT: Optional Part 4 4-167 Revision 4 (10/1/01) Effective 3/1/95 DATA ELEMENT: Property ZIP Code ALIAS: ZIP Code, ZIP ACRONYM: Direct (PMF) Insured ZIP CodeDirect (PMF) Insured PRPTY ZIP CODEWYO (PMF) ZIP 1WYO (PMF) ZIP 2 FILE: Policy Master (PMF) Claims Master (CMF) Elevation Certificate Master (ECMF) Actuarial (APOL) Recertification Master (RCMF) Reinspection Master (RIMF) DESCRIPTION: The ZIP Code for the insured property. EDIT CRITERIA: Numeric. Prop-ZIP(1) must be 5 digits. Prop- ZIP(2) must be 4 digits. LENGTH: 9 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Primary Key REPORTING REQUIREMENT: Required Part 4 4-168 Revision 4 (10/1/01) Effective 1/17/84 DATA ELEMENT: Regular/Emergency Program Indicator ALIAS: Community Status, Program Status, Program Type, Line ofBusiness ACRONYM: Direct (CMF) ProgramDirect (PMF) Line-of-BusinessWYO (PMF) PROGRAM FILE: Policy Master (PMF) Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Identifies the phase of the NFIP in which a community iscurrently participating. The program status determines whetheror not flood insurance is available and, if so, determines thelimits of insurance coverage. EDIT CRITERIA: Alpha, Acceptable Values: E – Emergency ProgramR – Regular Program LENGTH: 1 DEPENDENCIES: Information is obtained from the Flood Insurance Application. Program or community status isdetermined by FEMA. Codes must be in agreementwith program entry dates at time of policy. SYSTEM FUNCTION: Premium and Coverage ComputationProfiles of Business REPORTING REQUIREMENT: Required Part 4 4-169 Revision 4 (10/1/01) Effective 1/17/84 DATA ELEMENT: Reinstatement Federal Policy Fee ALIAS: Policy Service Fee ACRONYM: WYO (PMF) Policy-Fee Direct (PMF) SERVICE-FEE FILE: Policy Master (PMF) DESCRIPTION: This amount is reported in a Policy Reinstatement with PolicyChanges Transaction (15A). It is the net amount of Federal Policy Fee that reverses Federal Policy Fee-Refunded previouslyreported in a Cancellation Transaction (26A). EDIT CRITERIA: Signed numeric in dollar and cents LENGTH: 5 with an implied decimal of two positions DEPENDENCIES: Information is obtained from the flood insurance General Change Endorsement form. SYSTEM FUNCTION: Other Income Analysis REPORTING REQUIREMENT: Required Part 4 4-170 Revision 4 (10/1/01) Effective 10/1/94 DATA ELEMENT: Reinstatement Premium ALIAS: None ACRONYM: WYO (PMF) T-PREMIUMWYO (PMF) E-PREMIUM FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: This premium amount is reported in a Policy Reinstatement withPolicy Changes Transaction (15A). It is the net amount of premium that: (1) reverses a Total Premium Refund previouslyreported in a Cancellation Transaction (26A); and (2) incrementally changes the Total Calculated Premium where sucha change is associated with a policy change also being reportedon the Policy Reinstatement Transaction. The examples below illustrate how the Reinstatement Premium iscalculated. Note that the portion of the premium that reversesthe Total Premium Refund is a positive amount. Examples: Case I: Total Premium Refund reported on CancellationTransaction (26A) $ 100 Premium adjustment required for a changeincreasing amount of insurance + 20 Reinstatement Premium reported on PolicyReinstatement Transaction (15A) $ 120 Case II: Total Premium Refund reported on CancellationTransaction (26A) $ 100 Premium adjustment required for a changedecreasing amount of coverage -20 Reinstatement Premium reported on PolicyReinstatement Transaction (15A) $ 80 EDIT CRITERIA: Signed numeric in dollars and cents LENGTH: 9 with an implied decimal of two positions DEPENDENCIES: Information is obtained from the flood insurance General Change Endorsement form. SYSTEM FUNCTION: Premium and Loss Analysis REPORTING REQUIREMENT: Required Part 4 4-171 Revision 4 (10/1/01) Effective 10/1/87 DATA ELEMENT: Rejected Transaction Control Number ALIAS: None ACRONYM: None FILE: Reject Master File DESCRIPTION: This number is used when a transaction is being resubmitted afterhaving been previously rejected by the NFIP/WYO System. This number is assigned by the NFIP/WYO System at the time thetransaction is rejected. EDIT CRITERIA: Numeric LENGTH: 6 DEPENDENCIES: Provided by the NFIP/WYO system. SYSTEM FUNCTION: Reconciliation of Rejected Transactions, Resubmitted Information, and Monthly Financial Statements REPORTING REQUIREMENT: Required Part 4 4-172 Revision 4 (10/1/01) Effective 10/1/89 DATA ELEMENT: Repetitive Loss ID Number ALIAS: Property Locator ACRONYM: (PMF) RL-ID-NUMBER FILE: Policy Master (PMF) DESCRIPTION: The unique number assigned to a repetitive loss property. Used to identify target group policies that move to the Special DirectFacility. EDIT CRITERIA: Numeric LENGTH: 7 DEPENDENCIES: None SYSTEM FUNCTION: To uniquely identify repetitive loss properties REPORTING REQUIREMENT: Required for NFIP Servicing Agent only. Part 4 4-173 Revision 4 (10/1/01) Effective 5/1/00 DATA ELEMENT: Repetitive Loss Target Group Indicator ALIAS: None ACRONYM: (PMF) HIGH-RISK-IND FILE: Policy Master (PMF) DESCRIPTION: Indicates whether or not the property has been identified as arepetitive loss target group property. A policy can be written ona target group property only by the Special Direct Facility (SDF) of the Direct Servicing Agent. This data element is reported onlyby the SDF. EDIT CRITERIA: Alpha, Acceptable values: Y – Repetitive Loss Target Group PolicyN or Blank – Not a Repetitive Loss Target Group Policy LENGTH: 1 DEPENDENCIES: Valid for NFIP Direct Servicing Agent only SYSTEM FUNCTION: Policy Tracking REPORTING REQUIREMENT: Required for NFIP Direct Servicing Agentonly Part 4 4-174 Revision 4 (10/1/01) Effective 5/1/00 DATA ELEMENT: Replacement Cost ALIAS: None ACRONYM: WYO (PMF) REPLACEMENT FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: Estimated cost in whole dollars to replace the building. Replacement cost coverage is available under the buildingcoverage for a single-family dwelling, including a dwelling unitin a high-rise or vertical condominium building, written underthe Dwelling Form policy. The Residential Condominium BuildingAssociation Policy form also provides replacement cost coverageon the building coverage. Replacement cost is not market value, and it does not include thecost of the land. It is strictly the estimated cost toreconstruct the building. The company may establish and report the estimated replacementcost amount using normal company practice. EDIT CRITERIA: Positive numeric in whole dollars Note: The Replacement Cost can be zero for any of the following conditions: • Total Amount of Insurance – Building is zero, or • Risk Rating Method is ‘9’ (MPPP) or ‘G’ (Group Flood) LENGTH: 10 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Insurance to Value Analysis REPORTING REQUIREMENT: Also refer to Part 3 – Reporting Requirements, III. Reporting Requirements for New/Rollover Indicator, to determine if the replacement cost is required based on reported New/Rollover Indicator. Part 4 4-175 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Replacement Cost Indicator ALIAS: Claims Settlement Basis ACRONYM: WYO (CMF) R-COST-IND FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: This indicates whether the building claim was settled on areplacement cost basis. In the context of a claims settlement, replacement cost is the estimated cost to replace the damagedportion of the building without regard to depreciation. Replacement cost coverage is available under the buildingcoverage for a single-family dwelling provided that the dwellingis the principal residence of the insured. Exceptions to thisavailability are manufactured (mobile) homes or travel trailers, unless they are double-wide, and appurtenant buildings. Replacement cost is not market value, and it does not include thecost of the land. It is strictly the estimated cost toreconstruct the building. EDIT CRITERIA: Alpha, Acceptable Values: R - Replacement Cost basisA - Actual Cash Value basis LENGTH: l DEPENDENCIES: Information is to be obtained from the adjuster'sreport. SYSTEM FUNCTION: Reconciles claims paid with actual cash valueof damage amount. REPORTING REQUIREMENT: Required Part 4 4-176 Revision 4 (10/1/01) Effective 12/31/00 DATA ELEMENT: Reserve - Building ALIAS: Initial Building Reserves, Reserves Set Up -Building, Reserves Established - Building ACRONYM: Direct (CMF) Res-Set-BldgWYO (CMF) RES-BLDG FILE: Claims Master (CMF) DESCRIPTION: Initial amount of reserves in dollars and cents established for building loss as estimated from the Notice of Loss. EDIT CRITERIA: Unsigned numeric in dollars and cents LENGTH: 12 with an implied decimal of two positions DEPENDENCIES: Reserve estimates are made from Notice of Loss. SYSTEM FUNCTION: Incurred Claims Computation REPORTING REQUIREMENT: Required Part 4 4-177 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: Reserve - Contents ALIAS: Initial Contents Reserves, Reserves Set Up – Contents, Reserves Established - Contents ACRONYM: Direct (CMF) Res-Set-Cont WYO (CMF) RES-CONT FILE: Claims Master (CMF) DESCRIPTION: Initial amount of reserves in dollars and cents established for contents loss as estimated from Notice of Loss. EDIT CRITERIA: Unsigned numeric in dollars and cents LENGTH: 9 with an implied decimal of two positions DEPENDENCIES: Reserve estimates are made from Notice of Loss. SYSTEM FUNCTION: Incurred Claims Computation REPORTING REQUIREMENT: Required Part 4 4-178 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: Reserve - ICC ALIAS: Initial ICC Reserves, Reserves Set Up – ICC, Reserves Established - ICC ACRONYM: (CMF) RES-ICC FILE: Claims Master (CMF) DESCRIPTION: Initial amount of reserves in dollars established for ICC loss as estimated from Notice of Loss. EDIT CRITERIA: Unsigned numeric, in dollars and cents LENGTH: 7 with an implied decimal of two positions DEPENDENCIES: Reserve estimates are made from Notice of Loss. SYSTEM FUNCTION: Incurred Claims Computation REPORTING REQUIREMENT: Required Part 4 4-179 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: Risk Rating Method ALIAS: Manual, Specific (Submit for Rating), Alternative, orV-Zone Individual Risk Rating (NEW) ACRONYM: WYO (PMF) RATE-METHOD FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: Manual Rating: This refers to any policy that is rated using therate tables provided in the NFIP Flood Insurance Manual. Specific Rating: This refers to rating done for an individualrisk. This type of rating applies to Post-FIRM construction orsubstantial improvement for which no risk rate is published inthe NFIP Flood Insurance Manual. An applicant for insurance onsuch a building must submit an application for approval andestablishment of the risk premium rate. This submission should include a copy of the variance from the floodplain managementordinances issued by the community and a recent photograph orblueprint of the risk to be insured. Alternative Rating: Only when the building is Pre-FIRM and theFIRM Zone is unknown can the alternative rating procedure beused. The NFIP assumes that the building is located in a SpecialFlood Hazard Area; the Pre-FIRM rates for Zone A in the NFIPFlood Insurance Manual are used to compute the premium. The agent or the insured may determine the FIRM Zone at a later dateand use the information for rating. V-Zone Risk Factor Rating Form: During a severe coastal storm, abuilding's capability to withstand serious flood damage isdirectly related to several factors in addition to the elevationof the building's lowest floor. The most important of these are: (1) the building site; (2) the building support system; and (3) other construction details related to the building's resistanceto wind and wave action. Owners who provide the NFIP withprofessional certification of information (on the V-Zone RiskFactor Rating Form) about these factors may qualify forsubstantial flood insurance rate discounts. This rating is usedwhen it is believed that the design, placement, and/orconstruction of a building is such that the usual criteria usedto establish actuarially appropriate rates do not reflect thelessened risk of a particular structure. Underinsured Condominium Master Policy (CMP): CMPs that are not insured for at least 80 percent of the actual cash value of thebuilding or the maximum available, whichever is less, are ratedaccording to the "CMP Minimum Rating Rule." CMPs that are Submit-for-Rates should be reported as Submit-for-Rates, regardless of insurance-to-value since that rating factor istaken into account when developing the rates. Part 4 4-180 Revision 4 (10/1/01) Effective 7/1/95 DATA ELEMENT: Risk Rating Method (Cont'd.) DESCRIPTION: (Cont'd.) Provisional Rating: Provisional rating is available to enable theplacement of coverage prior to receipt of the Elevation Certificate. An Elevation Certificate and conversion to standard rating is stillrequired. Provisionally rated policies cannot be renewed or rewrittenwith provisional rates. Provisionally rated policies cannot beendorsed to increase coverage limits until the required elevationinformation is received. Failure to obtain the Elevation Certificate could result in reduced coverage limits at the time of a loss. Provisional rates may be used in writing new business whether ornot the 30 day waiting period is applicable. The policy term is 1year. Policies rated using provisional rates are subject to CRSdiscounts, probation surcharges, and optional deductiblerelativities, as applicable. The Expense Constant and FederalPolicy Fee also apply to policies rated using provisional rates. Preferred Risk Policy (PRP): Prior to May 1, 2004, this policy wasavailable for one- to four-family residential buildings only andsolely in B, C, and X zones. Effective May 1, 2004, this policywill also be available for other residential and non-residential buildings solely in B, C and X zones. There are various levels of coverage that may be chosen. The amounts for each option are fixed and cannot vary and include bothbuilding and contents coverage. Effective May 1, 2004, contents- only coverage will be available for PRP policies. Premiums, likewise, are flat and fixed, with no rates, and varyonly for basement and no-basement structures. Effective May 1,2004, premiums for contents-only PRP policies will vary dependingupon the specific location of contents reported, regardless of thebasement/enclosure type. The only deductible available is thestandard $500.00. Tentative Rate: Tentative rates, which are generally higher thanthe normal manual rates, are used to issue policies when producersfail to provide the required actuarial rating information such as avalid Elevation Certificate. By applying tentative rates, theagent can generate a policy with coverage limits based on theactual premium received. Tentatively rated policies cannot beendorsed to increase coverage limits, or renewed for another policyterm, until the required actuarial rating information and fullpremium payment are received. Note: Effective May 1, 2004, tentative rates can be used only onceon new business or renewal transactions. Any subsequent renewalsusing tentative rates will be in error. Mortgage Portfolio Protection Program (MPPP) Policies: MPPP policies are allowed only in conjunction with mortgage portfolioreviews and the servicing of those portfolios by lenders andmortgage servicing companies. Policies are written because the mortgagor did not respond to previous notices to purchase coverageand show evidence of such. Policies under the MPPP will be for one term only and can be renewed but not automatically. Part 4 4-181 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Risk Rating Method (Cont'd.) DESCRIPTION: (Cont'd.) The following data elements are required to be reported for MPPPpolicies: 1. WYO Transaction Code 2. WYO Transaction Date 3. WYO Prefix Code 4. Policy Number 5. Policy Effective Date 6. Policy Expiration Date 7. Name or Descriptive Information Indicator 8. Property Street Address 9. Property City 10. Property State 11. Property ZIP Code 12. Taxpayer Identification Number 13. Community Identification Number 14. Map Panel Number 15. Map Panel Suffix 16. Flood Risk Zone 17. Occupancy Type 18. Total Amount of Insurance - Building 19. Total Amount of Insurance - Contents 20. Total Calculated Premium 21. Risk Rating Method 22. Insured Last Name 23. Condominium Indicator 24. Regular/Emergency Program Indicator 25. Insured First Name 26. Name Format Indicator 27. Mailing City 28. Mailing State 29. Mailing Street Address 30. Mailing ZIP Code Optional Post-1981 V Zone Rate: Pre-FIRM and Post-FIRM 1975-1981 buildings in Zones VE and V01-V30 are allowed to use Post-1981V Zone rates if the rates are more favorable to the insured. In order to qualify, the following criteria must be met: • The policy must be rated using the BFE printed on the FIRMthat includes wave height. • The building rates are determined based on the ratio of theestimated building replacement cost and amount of insurancepurchased. • The effective date of the FIRM or the reported map panel dateis on or after October 1, 1981. • The building must be either elevated free of obstruction orwith breakaway wall obstruction less than 300 square feet. All machinery and equipment below the BFE are consideredobstructions. Group Flood Insurance Policy (GFIP): This policy provides atemporary mechanism for the recipients of IFG (Individual andFamily Grant) and IHP (Individual and Households Grant Program) disaster assistance – generally low-income persons – to haveflood insurance coverage for a period of three years following Part 4 4-182 Revision 4 (10/1/01) Change 8 Effective 10/1/05 DATA ELEMENT: Risk Rating Method (Cont'd.) DESCRIPTION: (Cont'd.) a flood loss (as a result of a major disaster declaration by thePresident) so that they will have time to recover from thedisaster and be in a better position to buy flood insurance forthemselves after the expiration of their three-year policy term. The premium for the GFIP will be a flat fee and may be adjustedat any time to reflect NFIP loss experience and adjustment ofbenefits under the stated grant programs. The amount of coverageis equivalent to the maximum grant amount established and thethree-year policy term begins 60 days after the date of thedisaster declaration. Target Group Full Risk: Effective August 1, 2000, RepetitiveLoss Target Group policies began writing with the DirectServicing Agent at their renewal. The Servicing Agent willperform a re-inspection of the properties, and FEMA will targetthe properties for special mitigation efforts. Policyholders whorefuse the mitigation offers will be assigned new full-risk ratesidentified with risk rating method T. EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 1 - Manual 2 - Specific3 - Alternative 4 - V-Zone Risk Factor Rating Form5 - Underinsured Condominium Master Policy6 - Provisional 7 - Preferred Risk Policy8 - Tentative 9 - MPPP PolicyA - Optional Post-1981 V ZoneG – Group Flood Insurance Policy (GFIP) T – Target Group Full Risk LENGTH: 1 DEPENDENCIES: Information is to be obtained from the Flood Insurance Application and the Elevation Certificate. SYSTEM FUNCTION: Premium Calculation REPORTING REQUIREMENT: Required Part 4 4-183 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DATA ELEMENT: Second Lender City ALIAS: None ACRONYM: (PMF) SECLNDR_CITY FILE: Policy Master File (PMF) Lender Master File (LMF) DESCRIPTION: The name of the city in which the second mortgagee mailingaddress is located. EDIT CRITERIA: Alpha LENGTH: 30 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Lender compliance per the NFIP Reform Act of1994 REPORTING REQUIREMENT: Required for policies expired more than120 days. Part 4 4-184 Revision 4 (10/1/01) Effective 5/1/97 DATA ELEMENT: Second Lender Loan Number ALIAS: None ACRONYM: (PMF) SECLNDR_LOAN FILE: Policy Master File (PMF) Lender Master File (LMF) DESCRIPTION: The loan number of the second mortgagee. EDIT CRITERIA: Alphanumeric LENGTH: 15 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Lender compliance per the NFIP Reform Act of1994 REPORTING REQUIREMENT: Required for policies expired more than120 days. Part 4 4-185 Revision 4 (10/1/01) Effective 5/1/97 DATA ELEMENT: Second Lender Name ALIAS: None ACRONYM: (PMF) SECLNDR_NAME FILE: Policy Master File (PMF) Lender Master File (LMF) DESCRIPTION: The name of the second mortgagee. EDIT CRITERIA: Alphanumeric LENGTH: 30 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Lender compliance per the NFIP Reform Act of1994 REPORTING REQUIREMENT: Required for policies expired more than120 days. Part 4 4-186 Revision 4 (10/1/01) Effective 5/1/97 DATA ELEMENT: Second Lender State ALIAS: None ACRONYM: (PMF) SECLNDR_ST FILE: Policy Master File (PMF) Lender Master File (LMF) DESCRIPTION: The state in which the second mortgagee is located. EDIT CRITERIA: Alpha LENGTH: 2 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Lender compliance per the NFIP Reform Act of1994 REPORTING REQUIREMENT: Required for policies expired more than120 days. Part 4 4-187 Revision 4 (10/1/01) Effective 5/1/97 DATA ELEMENT: Second Lender Street Address ALIAS: None ACRONYM: (PMF) SECLNDR_STRT FILE: Policy Master File (PMF) Lender Master File (LMF) DESCRIPTION: The mailing street address of the second mortgagee. EDIT CRITERIA: Alphanumeric LENGTH: 50 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Lender compliance per the NFIP Reform Act of1994 REPORTING REQUIREMENT: Required for policies expired more than120 days. Part 4 4-188 Revision 4 (10/1/01) Effective 5/1/97 DATA ELEMENT: Second Lender ZIP Code ALIAS: None ACRONYM: (PMF) SECLNDR_ZIP FILE: Policy Master File (PMF) Lender Master File (LMF) DESCRIPTION: The ZIP Code of the second mortgagee. EDIT CRITERIA: Numeric LENGTH: 9 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Lender compliance per the NFIP Reform Act of1994 REPORTING REQUIREMENT: Required for policies expired more than120 days. Part 4 4-189 Revision 4 (10/1/01) Effective 5/1/97 DATA ELEMENT: Sort Sequence Key ALIAS: None ACRONYM: None FILE: None DESCRIPTION: This key is used to sort A and B transactions submitted by WYOcompanies when there are multiple transactions of the same typefor the same policy number carrying the same transaction date or, in the case of a claim, the same policy number and date of loss. If this extra key for sorting is not needed, then the value zeroshould be reported. The transactions in which this key may benecessary are: 20 - Endorsement 23 - Policy Correction 26 - Cancellation 29 - Cancellation Correction 49 - Addition to Final Payment 52 - Recovery After Final Payment 61 - General Claim Correction EDIT CRITERIA: Numeric LENGTH: 1 DEPENDENCIES: Provided by the WYO company. SYSTEM FUNCTION: Accurate processing of A and B records REPORTING REQUIREMENT: Required Part 4 4-190 Revision 4 (10/1/01) Effective 10/1/86 DATA ELEMENT: Special Expense Amount ALIAS: Special Loss Adjustment Expense Amount ACRONYM: WYO (CMF) SP-EXP-AMT FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: The amount in dollars and cents for expenses under the definitionof special allocated loss adjustment expenses. (See “SpecialExpense Type” data element.) EDIT CRITERIA: Signed numeric in dollars and cents LENGTH: 9 with an implied decimal of two positions DEPENDENCIES: None SYSTEM FUNCTION: Allocated Loss Adjustment Expense Analysis REPORTING REQUIREMENT: Required Part 4 4-191 Revision 4 (10/1/01) Effective 6/1/84 DATA ELEMENT: Special Expense Date ALIAS: None ACRONYM: (CMF) SP-EXP-DT FILE: Claims Master (CMF) DESCRIPTION: This is the date an expense that falls under the category ofspecial expense type is incurred. EDIT CRITERIA: Numeric, Date Format: YYYYMMDD LENGTH: 8 DEPENDENCIES: None SYSTEM FUNCTION: Claims History REPORTING REQUIREMENT: Required Part 4 4-192 Revision 4 (10/1/01) Effective 10/1/96 DATA ELEMENT: Special Expense Type ALIAS: Special Allocated Loss Adjustment Expense ACRONYM: WYO (CMF) SP-EXP-TYP FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: These are allocated loss adjustment expenses other than the feespaid to adjusters. Included are: 1. Special engineering expenses incurred by the claimsdepartment to adjust a specific case 2. Special cost incurred to establish coverage or property valueon a specific case to facilitate loss adjustment 3. Legal expenses 4. Cost of appraisal under the Standard Flood Insurance Policy EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 1 - Special engineering expenses incurred by the claims department to adjust a specific case 2 - Special cost incurred to establish coverage or property value on a specific case to facilitate loss adjustment 3 - Legal expenses 4 - Cost of appraisal under the Standard Flood Insurance Policy LENGTH: 1 DEPENDENCIES: None SYSTEM FUNCTION: Analysis of Allocated Loss Adjustment Expenses REPORTING REQUIREMENT: Required Part 4 4-193 Revision 4 (10/1/01) Effective 10/1/86 DATA ELEMENT: State-Owned Property ALIAS: None ACRONYM: Direct (PMF) State-Owned-IndicatorDirect (CMF) State-Own-IndWYO (PMF) STATE-OWN FILE: Policy Master (PMF) Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Indicates whether insured property is state owned. EDIT CRITERIA: Alpha, Acceptable Values: Y – State-Owned N - Not State-Owned LENGTH: 1 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Prevents policy issuance on state-ownedproperty in a state that has a self-insuranceplan. REPORTING REQUIREMENT: Required Part 4 4-194 Revision 4 (10/1/01) Effective 1/17/84 DATA ELEMENT: Subrogation ALIAS: Subrogation Recovery ACRONYM: Direct (CMF) Subro-Recd-Cont-FY Direct (CMF) Subr-Bldg-FY WYO (CMF) SUBRO-AMT FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Amount in dollars and cents of subrogation recovered. Subrogation is a positive dollar amount when initially reported. Whenever the NFIP makes a payment for a loss, the NFIP issubrogated to the insured's right to recover for that loss fromany other person. This means that the insured's right to recoverfor a loss that was partly or totally caused by someone else isautomatically transferred to the NFIP, to the extent that theNFIP has paid the insured for the loss. The NFIP may require theinsured to acknowledge this transfer in writing. After the loss, the insured may not give up the NFIP's right to recover thismoney or do anything that would prevent the NFIP from recoveringany money; the insured must first pay the NFIP back before theinsured may keep any recovery. EDIT CRITERIA: Signed numeric in dollars and cents LENGTH: 12 with an implied decimal of two positions DEPENDENCIES: Information is obtained from the adjuster'sreport. SYSTEM FUNCTION: Premium and Loss Analysis Claims History REPORTING REQUIREMENT: Required Part 4 4-195 Revision 4 (10/1/01) Effective 10/1/89 DATA ELEMENT: Subrogation Recovery Date ALIAS: None ACRONYM: (CMF) SUBRO-DT FILE: Claims Master (CMF) DESCRIPTION: The date a subrogation recovery against a claim is made. This date should reflect the subrogation recovery date that appears ona company's books. EDIT CRITERIA: Numeric, Date Format: YYYYMMDD LENGTH: 8 DEPENDENCIES: None SYSTEM FUNCTION Claims History REPORTING REQUIREMENT: Required Part 4 4-196 Revision 4 (10/1/01) Effective 10/1/96 DATA ELEMENT: Substantial Improvement Indicator ALIAS: None ACRONYM: WYO (CMF) IMPROVE-IND FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: "Substantial improvement" means any reconstruction, rehabilitation, addition, or other improvement of a structure, the cost of which equals or exceeds 50 percent of the marketvalue of the structure before the "start of construction" of the improvement. This term includes structures that have incurred "substantial damage," regardless of the actual repair workperformed. The term does not, however, include either: 1. Any project for improvement of a structure to correctexisting violations of state or local health, sanitary, orsafety code specifications that have been identified bythe local code enforcement official and that are the minimum necessary to ensure safe living conditions; or 2. Any alteration of a "historic structure," provided thatthe alteration will not preclude the structure's continueddesignation as a "historic structure." EDIT CRITERIA: Alpha, Acceptable Values: Y - Repair, reconstruction, or improvement costs equaled or exceeded 50 percent of the market value of the building before it was damaged or improved. N - No alterations meeting criterion above. LENGTH: 1 DEPENDENCIES: Information is obtained from the adjuster'sreport. SYSTEM FUNCTION: Determination of Program Compliance REPORTING REQUIREMENT: Optional Part 4 4-197 Revision 4 (10/1/01) Effective 1/17/84 DATA ELEMENT: Taxpayer Identification Number ALIAS: SSN ACRONYM: WYO (PMF) TAX-IDENT FILE: Policy Master (PMF) DESCRIPTION: The taxpayer identification number of the individual or companyinsuring the property. In the case of an individual, this isusually the same as the social security number. The provision ofthis identifier eliminates the need for the Federal Government to have the WYO policyholder name which otherwise must be provided. EDIT CRITERIA: Alphanumeric LENGTH: 9 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Prevention of duplication of benefits duringFederally declared disasters and prevention ofduplicate flood insurance policies and claimspayments. REPORTING REQUIREMENT: This data element is required forpolicies with an original new businessdate on or after May 1, 2006, anddesignated as receiving disasterassistance (Data Element ‘CoverageRequired for Disaster Assistance’reported with value 1, 2, 3, 4, or 5). Otherwise, the taxpayer identificationnumber is optional. Part 4 4-198 Revision 4 (10/1/01) Change 9 Effective 5/30/05 DATA ELEMENT: Total Amount of Insurance - BuildingALIAS: Building Coverage ACRONYM: (PMF) T-COV-BLD FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: Amount in hundreds of dollars of building coverage purchased for theproperty. It is the sum of basic limits coverage purchased andadditional limits coverage, if purchased. Additional limits are available only if the community in which the property is located is inthe Regular Program. Maximum total amounts of coverage for policiesother than Residential Condominium Building Association Policy, Preferred Risk Policy, and Group Flood Insurance Policy are: Emergency Program: Single-Family Dwelling $ 35,000 Two- to Four-Family Dwelling $ 35,000 Other Residential $100,000 Nonresidential $100,000 Regular Program: Single-Family Dwelling $250,000 Two- to Four-Family Dwelling $250,000 Other Residential $250,000 Nonresidential $500,000 The Residential Condominium Building Association Policy hascoverage available not to exceed the single-family limit amounttimes the total number of residential units. There are various levels of coverage that may be chosen for aPreferred Risk Policy. The amounts for each option are fixed andcannot vary and include both building and contents coverage. The Residential building coverage amounts available for the PreferredRisk Policy are: Single Family, 2-4 Family: $20,000 $ 75,000 $150,000 $30,000 $100,000 $200,000 $50,000 $125,000 $250,000 Other Residential: Building coverage will not be allowed for Other ResidentialBuildings. Effective May 1, 2004, the Non-residential building coverageamounts available for the Preferred Risk Policy are: $ 50,000 $200,000 $350,000 $100,000 $250,000 $400,000 $150,000 $300,000 $500,000 Effective October 1, 2005, the limit of coverage for Group FloodInsurance Policy (GFIP) existing and new policies issued underthe Individual and Households Program (IHP) is $27,200. The IFG Part 4 4-199 Revision 4 (10/1/01) Change 9 Effective 5/1/06 DATA ELEMENT: Total Amount of Insurance – Building (Cont’d) DESCRIPTION: (Cont’d.) program ended October 14, 2002. The limit for the IHP GFIP is $27,200 and applicable to disasters declared on or after October 1, 2005. For disasters declared on or after October 1, 2004, through September 30, 2005, the IHP GFIP limit is $26,200. For disasters declared on or after October 1, 2003, through September 30, 2004, the IHP GFIP limit is $25,600. For disasters declared on or after October 15, 2002, through September 30, 2003, the IHP GFIP limit is $25,000. Under the Individual and Family Grant (IFG) program, which ended October 14, 2002, the limit is $15,800 and applicable to disasters declared on or after October 1, 2004, through September 30, 2005. For disasters declared on or after October 1, 2003, through September 30, 2004, the IFG GFIP limit is $15,300. For disasters declared on or after October 1, 2002, through September 30, 2003, the IFG GFIP limit is $15,000. EDIT CRITERIA: Positive numeric in hundreds of dollars; cannotexceed program limits. LENGTH: 8 DEPENDENCIES: Information is obtained from the Flood Insurance Application or sum of basic and additionalcoverages. SYSTEM FUNCTION: Premium Computation Insurance to Value Analysis REPORTING REQUIREMENT: Required Part 4 4-200 Revision 4 (10/1/01) Change 9 Effective 5/1/06 DATA ELEMENT: Total Amount of Insurance - Contents ALIAS: Contents Coverage ACRONYM: (PMF) T-COV-CONT FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: Amount of coverage in hundreds of dollars purchased for thecontents. It is the sum of basic limits coverage purchased andadditional limits coverage, if purchased. Additional limits are available only if the community in which the property is locatedis in the Regular Program. Maximum total amounts of coverage for policies other than thePreferred Risk Policy and Group Flood Insurance Policy are: Emergency Program: Residential $ 10,000 Nonresidential $100,000 Regular Program: Residential $100,000 Nonresidential $500,000 There are various levels of coverage that may be chosen for aPreferred Risk Policy (PRP). The amounts for each option arefixed and cannot vary and include both building and contentscoverage. Effective May 1, 2004, contents-only coverage will beavailable for PRP policies. Contents coverage is not availablefor condominium units (except townhouse/rowhouse or single familydwellings) or for contents located in basements. The contentscoverage amounts available for the Preferred Risk Policy are: Prior to May 1, 2004 (Single Family, 2-4 Family): $ 5,000 $18,000 $38,000 $ 8,000 $25,000 $50,000 $12,000 $30,000 $60,000 On or after May 1, 2004 (Single Family, 2-4 Family, OtherResidential): $ 8,000 $30,000 $ 60,000 $12,000 $40,000 $ 80,000 $20,000 $50,000 $100,000 On or after May 1, 2004 (Non-residential buildings): $ 50,000 $200,000 $350,000 $100,000 $250,000 $400,000 $150,000 $300,000 $500,000 Contents coverage is reported with zeros on the Group FloodInsurance Policy (GFIP). Part 4 4-201 Revision 4 (10/1/01) Change 9 Effective 5/1/06 DATA ELEMENT: Total Amount of Insurance – Contents (Cont’d) EDIT CRITERIA: Positive numeric in hundreds of dollars; cannot exceed program limits. LENGTH: 5 DEPENDENCIES: Information is obtained from the Flood Insurance Application or sum of basic and additionalcoverages. SYSTEM FUNCTION: Premium ComputationInsurance to Value Analysis REPORTING REQUIREMENT: Required Part 4 4-201A Revision 4 (10/1/01) Change 6 Effective 5/1/04 This page is intentionally left blank. Part 4 4-201B Revision 4 (10/1/01) Change 6 Effective 5/1/04 DATA ELEMENT: Total Building Damages - Main and Appurtenant(ACV) ALIAS: Damage Sustained Building, Building Damage, Damage Incurred ACRONYM: WYO (CMF) TDMGBLDG_ACV FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: The actual cash value in whole dollars of covered damage to themain building and all eligible appurtenant structures for theflooding event for which the claim is being filed. Actual expenses for temporary flood protection are to be included inthis data element. The total building damages value is subject to the followingqualifications: (1) It includes only damages covered by the policy (i.e., damageresulting from a peril insured against by the flood policyand caused to property insured by the policy). (2) The amount included as expenses for temporary floodprotection is not to exceed $1000.00. (3) The amount of building damages to be reported is not limitedto the amount of building coverage on the policy. The total building damages value can be considered to be theactual cash value amount that would be payable to the insuredunder the policy for all building damages if there were anunlimited dollar amount of coverage for covered items and nopolicy deductible. Report the total building damages value on an actual cash valuebasis even if the claim on the main building is being paid on areplacement cost basis. EDIT CRITERIA: Positive numeric in whole dollars LENGTH: 10 DEPENDENCIES: Information is obtained from the adjuster's report or is the sum of damages to the main and appurtenant buildings. Insured’s policy must cover building loss or damage. SYSTEM FUNCTION: Rate Analysis and Adjuster Fee Calculation REPORTING REQUIREMENT: Required Part 4 4-202 Revision 4 (10/1/01) Effective 12/31/00 DATA ELEMENT: Total Building Damages - Main and Appurtenant(RCV) ALIAS: Damage Sustained Building, Building Damage, Damage Incurred ACRONYM: WYO (CMF) TDMGBLDG_RCV FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: The replacement cost value in whole dollars of covered damage tothe main building and all eligible appurtenant structures for theflooding event for which the claim is being filed. Actual expenses for temporary flood protection are NOT to be included inthis data element. The total building damages value is subject to the followingqualifications: (1) It includes only damages covered by the policy (i.e., damageresulting from a peril insured against by the flood policyand caused to property insured by the policy). (2) The amount of building damages to be reported is not limitedto the amount of building coverage on the policy. The total building damages value can be considered to be thereplacement cost value amount that would be payable to theinsured under the policy for all building damages if there werean unlimited dollar amount of coverage for covered items and nopolicy deductible. Report the total building damages value on a replacement costvalue basis even if the claim on the main building is being paidon an actual cash value basis. EDIT CRITERIA: Positive numeric in whole dollars LENGTH: 10 DEPENDENCIES: Information is obtained from the adjuster's report or is the sum of damages to the main and appurtenant buildings. Insured’s policy must cover building loss or damage. SYSTEM FUNCTION: Rate Analysis and Adjuster Fee Calculation REPORTING REQUIREMENT: Required Part 4 4-203 Revision 4 (10/1/01) Effective 12/31/00 DATA ELEMENT: Total Calculated Premium ALIAS: Written Premium ACRONYM: WYO (PMF) T-PREMIUM FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: Premium calculated in whole dollars, including the premium forIncreased Cost of Compliance (ICC) coverage, community probationsurcharge, if applicable, and the Expense Constant. EDIT CRITERIA: Signed numeric in whole dollars. Prior to May1, 2003, the minimum amount is $51.00 includingthe Expense Constant. Note: For those policies effective on or afterMay 1, 2003, the minimum premium amountwill be $1.00 (Expense Constant must bezero). LENGTH: 7 DEPENDENCIES: Information is obtained from the Flood Insurance Application or renewal form. SYSTEM FUNCTION: Premium and Loss Analysis Financial Reconciliation REPORTING REQUIREMENT: Required Part 4 4-204 Revision 4 (10/1/01) Change 4 Effective 5/1/03 DATA ELEMENT: Total Damage to Contents - Main and Appurtenant(ACV) ALIAS: Damage Sustained Contents, Contents Damage ACRONYM: WYO (CMF) TDMGCONT_ACV FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Total contents damages means the actual cash value in wholedollars of covered damage to contents in the main building andany eligible appurtenant structure(s) for the flooding event forwhich the claim is being filed. The total contents damages value is subject to the followingqualifications: (1) It includes only damages covered by the policy (i.e., damageboth resulting from a peril insured against by the floodpolicy and caused to property insured by the policy). (2) The amount of contents damages to be reported is not limitedto the amount of contents coverage on the policy. The total contents damages value can be considered to be theamount that would be payable to the insured under the policy ifthere were an unlimited dollar amount of coverage for covereditems and no policy deductible. EDIT CRITERIA: Positive numeric in whole dollars LENGTH: 7 DEPENDENCIES: Information is obtained from the adjuster's report or is the sum of damage to contents in the main and appurtenant buildings. Insured's policy must cover contents loss or damage. SYSTEM FUNCTION: Rate Analysis and Adjuster Fee Calculation REPORTING REQUIREMENT: Required Part 4 4-205 Revision 4 (10/1/01) Effective 5/1/97 DATA ELEMENT: Total Damage to Contents - Main and Appurtenant(RCV) ALIAS: Damage Sustained Contents, Contents Damage ACRONYM: WYO (CMF) TDMGCONT_RCV FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Total contents damages means the replacement cost value in wholedollars of covered damage to contents in the main building andany eligible appurtenant structure(s) for the flooding event forwhich the claim is being filed. The total contents damages value is subject to the followingqualifications: (1) It includes only damages covered by the policy (i.e., damageboth resulting from a peril insured against by the floodpolicy and caused to property insured by the policy). (2) The amount of contents damages to be reported is not limitedto the amount of contents coverage on the policy. The total contents damages value can be considered to be theamount that would be payable to the insured under the policy ifthere were an unlimited dollar amount of coverage for covereditems and no policy deductible. EDIT CRITERIA: Positive numeric in whole dollars LENGTH: 7 DEPENDENCIES: Information is obtained from the adjuster's report or is the sum of damage to contents in the main and appurtenant buildings. Insured's policy must cover contents loss or damage. SYSTEM FUNCTION: Rate Analysis and Adjuster Fee Calculation REPORTING REQUIREMENT: Required Part 4 4-206 Revision 4 (10/1/01) Effective 5/1/97 DATA ELEMENT: Total Expense of Temporary Flood Protection ALIAS: None ACRONYM: WYO (CMF) FLOOD-EXP FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: The reasonable expenses, up to $1,000, for the cost of: sandbags; the sand used to fill them and plastic sheeting andlumber used in connection with them; fill for temporary leveesand pumps; in providing temporary protection to the insuredbuilding and any eligible appurtenant structure in order toprotect and preserve it from the imminent danger of flood. When this is done, the reasonable expense incurred by the insured, including under the Dwelling Form, the value of the insured's ownlabor at prevailing Federal minimum wage rate, in protecting theinsured property, shall be reimbursed to the insured in an amountup to $1,000. This coverage does not increase the Coverage A orCoverage B Limit of Liability. There is no deductible applied tothis expense. EDIT CRITERIA: Positive numeric in whole dollars LENGTH: 4 DEPENDENCIES: Information is to be obtained from the adjuster'sreport. SYSTEM FUNCTION: Rate and Coverage Analysis and Adjuster FeeCalculation REPORTING REQUIREMENT: Required Part 4 4-207 Revision 4 (10/1/01) Effective 12/31/00 DATA ELEMENT: Total Premium Refund ALIAS: None ACRONYM: WYO (PMF) TOT-REFUND FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: Total amount refunded in dollars and cents on overall coveragefor a particular policy term. (See "Cancellation/VoidanceReason" data element for instructions on how the refund is calculated.) EDIT CRITERIA: Positive numeric in dollars and cents LENGTH: 9 with an implied decimal of two positions DEPENDENCIES: Information is obtained from the Cancellation/ Nullification Request Form. SYSTEM FUNCTION: Policy HistoryPremium and Loss Analysis REPORTING REQUIREMENT: Required Part 4 4-208 Revision 4 (10/1/01) Effective 10/1/84 DATA ELEMENT: Total Property Value - Main and Appurtenant (ACV) ALIAS: None ACRONYM: WYO (CMF) TPROPVAL_ACV FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: The actual cash value before flood damage of the main buildingand eligible appurtenant structures that service the insured one- to four-family dwelling in whole dollars. (See the NFIP FloodInsurance Manual for further details.) Actual cash value is replacement cost less depreciation. This value is based on the adjuster's visual inspection and bestinformed judgment of the building value just prior to the flooddamage. It is not based on a detailed actual cash value analysis. The value, however, is important information used inflood insurance rate making. Report the property value on an actual cash value basis even ifthe claim on the main building is being paid on a replacementcost basis. There are other fields for reporting replacementcost value. (See “Replacement Cost” and “Replacement CostIndicator” data elements.) EDIT CRITERIA: Positive numeric in whole dollars LENGTH: 10 DEPENDENCIES: Information is obtained from the adjuster's report or is the sum of property values for main and appurtenant buildings. SYSTEM FUNCTION: Rate Analysis Insurance to Value Analysis Adjuster Fee Calculation REPORTING REQUIREMENT: Required Part 4 4-209 Revision 4 (10/1/01) Effective 12/31/00 DATA ELEMENT: Total Property Value - Main and Appurtenant (RCV) ALIAS: None ACRONYM: WYO (CMF) TPROPVAL_RCV FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: The replacement cost value before flood damage of the mainbuilding and eligible appurtenant structures that service theinsured one- to four-family dwelling in whole dollars. (See theNFIP Flood Insurance Manual for further details.) This value is based on the adjuster's visual inspection and bestinformed judgment of the building value just prior to the flooddamage. It is not based on a detailed replacement cost valueanalysis. The value, however, is important information used inflood insurance rate making. EDIT CRITERIA: Positive numeric in whole dollars LENGTH: 10 DEPENDENCIES: Information is obtained from the adjuster's report or is the sum of property values for main and appurtenant buildings. SYSTEM FUNCTION: Rate Analysis Insurance to Value Analysis Adjuster Fee Calculation REPORTING REQUIREMENT: Required Part 4 4-210 Revision 4 (10/1/01) Effective 12/31/00 DATA ELEMENT: Value of Building Items Subject to PolicyExclusions (ACV) ALIAS: None ACRONYM: WYO (CMF) VAL-EXC-B FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Actual cash value of the building items that are excluded fromcoverage under the NFIP Standard Flood Insurance Policy. Refer to the NFIP Standard Flood Insurance Policy for the buildingitems that are excluded. EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 1 - Less than $ 1,000 2 - $ 1,000 - $ 2,000 3 - $ 2,001 - $ 5,000 4 - $ 5,001 - $10,000 5 - $10,001 - $20,000 6 - More than $20,000 LENGTH: 1 DEPENDENCIES: Information is to be obtained from the adjuster'sreport. SYSTEM FUNCTION: Analysis of Savings Due to Coverage Changes REPORTING REQUIREMENT: Optional Part 4 4-211 Revision 4 (10/1/01) Effective 12/31/00 DATA ELEMENT: Value of Contents (ACV) ALIAS: Property Value - Contents ACRONYM: Direct (CMF) Prop-Val-ContWYO (CMF) VAL-Cont FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: The actual cash value before flood damage in whole dollars ofinsurable contents located in all parts of a building occupied bythe policyholder and in qualifying appurtenant structures asapplicable under the policy. Actual cash value is replacementcost less depreciation. For a single-family building withmultiple occupancies, this is the value of contents contained inthe policyholder occupied portions of the building, such as acondominium unit or apartment. The adjuster can make a best estimate of this value based oninformed judgment. This has important use in flood insuranceratemaking and is desirable information. However, if it is not practical to provide an estimate, then theNFIP system will assign a value of 50 percent of the building'svalue in the case one- to four-family buildings and will assign avalue in other cases based on NFIP Bureau and Statistical Agentclaims data analysis. EDIT CRITERIA: Positive numeric in whole dollars LENGTH: 7 DEPENDENCIES: Information is either determined by the WYOCompany or obtained from the adjuster's report. SYSTEM FUNCTION: Analysis of UnderinsuranceAnalysis of Depth-Damage Relationships REPORTING REQUIREMENT: Optional Part 4 4-212 Revision 4 (10/1/01) Effective 3/15/95 DATA ELEMENT: Value of Contents Items Subject to PolicyExclusions (ACV) ALIAS: None ACRONYM: WYO (CMF) VAL-EXC-C FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Actual cash value of the contents that are excluded from coverageunder the NFIP Standard Flood Insurance Policy (SFIP). These items include the following: Enclosures, contents, machinery, building components, equipment, and fixtures located at an elevation lower thanthe lowest elevated floor of an elevated building (except forthe required utility connections and the footing, foundation, posts, pilings, piers, or other foundation walls andanchorage system as required for the support of the elevatedbuilding), including a manufactured (i.e., mobile) home; finished basement walls, floors, ceilings, and otherimprovements to a basement having its floor subgrade on allsides (except for drywall and sheetrock walls and ceilings, whether finished or unfinished, all only to the extent ofreplacing them with unfinished [i.e., nailed to framing, butnot taped or otherwise finished with paint or other covering] drywall or sheetrock ceilings or walls, and except forfiberglass insulation), and contents, machinery, buildingequipment, and fixtures in such basement areas. Certain contents items located in basement areas and in areas below the lowest elevated floor of an elevated building are notsubject to the exclusions above. See the SFIP for details. EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 1 - Less than $ 1,000 2 - $ 1,000 - $ 2,000 3 - $ 2,001 - $ 5,000 4 - $ 5,001 - $10,000 5 - $10,001 - $20,000 6 - More than $20,000 LENGTH: 1 DEPENDENCIES: Information is to be obtained from the adjuster'sreport. SYSTEM FUNCTION: Analysis of Savings Due to Coverage Changes REPORTING REQUIREMENT: Optional Part 4 4-213 Revision 4 (10/1/01) Effective 10/1/87 DATA ELEMENT: Water Depth - Relative to Main Building ALIAS: Water Height, Water Level ACRONYM: Direct (CMF) Water-HgtWYO (CMF) WATER-DEPTH FILE: Claims Master (CMF) Actuarial (APOL) DESCRIPTION: For a main building without a basement, this is the depth ofwater, judging by the water marks on the interior of thebuilding, relative to the lowest floor of the building as definedin the NFIP Flood Insurance Manual. In non-V Zones, thereference point of the lowest floor is the top of the flooring. In V Zones, the reference point is the bottom of the floor beam. For example, in a V Zone, water reaching 2 feet below the bottomof the floor beam of the lowest floor is marked as a depth of -2feet. Water reaching 2 feet above the bottom of the floor beamof the lowest floor is marked as a depth of +2 feet. For a main building with a basement (floor subgrade on allsides), the water depth is measured relative to the top of theflooring of the floor above the basement. This is judged by theinterior water marks except in the case where water has enteredthe basement through an entry point, such as a window, that is ata higher level than that attained by the water filling thebasement. In this case, the water depth should be the entrypoint relative to the floor above the basement as this is reallythe flood level relative to the building. As an example, suppose flood water has not reached the floorabove the basement, but has entered the basement through a windowthat is 2 feet below the floor above the basement. Additionally, the flood is of short enough duration that the water level in thebasement does not reach the window. In this case, the waterdepth is -2 feet. However, if a general condition of floodinghas caused water to enter a basement only through seepage, theninterior water marks are used to determine the water depthrelative to the floor above the basement. In the case where only an appurtenant building has been damagedand water has not reached the main building, then the water depthis coded as +99. EDIT CRITERIA: Numeric, positive or negative whole number LENGTH: 3 DEPENDENCIES: Information is obtained from the adjuster'sreport. Part 4 4-214 Revision 4 (10/1/01) Effective 10/1/86 DATA ELEMENT: Water Depth - Relative to Main Building (Cont'd.) SYSTEM FUNCTION: Analysis of Depth-Damage RelationshipsAnalysis of Building Design REPORTING REQUIREMENT: Required Part 4 4-215 Revision 4 (10/1/01) Effective 10/1/86 DATA ELEMENT: WYO Prefix Code ALIAS: NAIC Code ACRONYM: WYO (PMF) COMP-COWYO (CMF) WYO-PREFIX FILE: Policy Master (PMF) Claims Master (CMF) Actuarial (APOL) DESCRIPTION: A numeric code that uniquely identifies which WYO company wrotethe policy and is submitting transactions. This number comes from the NAIC listing of companies. EDIT CRITERIA: Positive Numeric LENGTH: 5 DEPENDENCIES: Each WYO company will provide its NAIC code witheach transaction submitted to FIMA. SYSTEM FUNCTION: In combination with the policy number, it is aprimary key. Policy History Claims History Policy Count REPORTING REQUIREMENT: Required Part 4 4-216 Revision 4 (10/1/01) Effective 6/1/84 DATA ELEMENT: WYO Transaction Code ALIAS: Transaction Code, Transaction ACRONYM: (PMF) TRANS-CD FILE: Policy Master (PMF) Claims Master (CMF) DESCRIPTION: Indicates the type of transaction being received from the WYOCompany. EDIT CRITERIA: Alphanumeric, Acceptable Values: 11A - New Business - Required 14A - Policy Reinstatement Without Policy Changes - Required 15A - Policy Reinstatement With Policy Changes - Required 17A - Renewal - Required 20A - Endorsement - Required 23A - Policy Correction - Required 26A - Cancellation - Required 29A - Cancellation Correction - Required 31A - Open Claim/Loss - Initial Reserve - Required 31B - Open Claim/Loss - Initial Reserve - Optional 34A - Reopen Claim/Loss - Required 37A - Change Reserve - Required 40A - Partial Payment - Required 43A - Close Claim/Loss - Required 43B - Close Claim/Loss - Optional 46A - Close Claim/Loss Without Payment - Required 49A - Addition to Final Payment - Required 49B - Addition to Final Payment - Optional 52A - Recovery After Final Payment - Required 52B - Recovery After Final Payment - Optional 61A - General Claim/Loss Correction - Required 61B - General Claim/Loss Correction - Optional 64A - Claim Payment Correction - Required 67A - Recovery Correction - Required 71A - Special Allocated Loss Adjustment Expense - Required 74A - Special Allocated Loss Adjustment Expense Correction – Required 81A - Change Policy Number Key - Required 84A - Change Date of Loss Key - Required 87A - Change Claim Payment Date Key - Required 99A - Lender Data (Expired Policy Notification) – Required Part 4 4-217 Revision 4 (10/1/01) Effective 5/1/97 DATA ELEMENT: WYO Transaction Code (Cont’d.) LENGTH: 3 DEPENDENCIES: Provided by the WYO company. SYSTEM FUNCTION: Financial Reconciliation Policy History Claims History REPORTING REQUIREMENT: Required Part 4 4-218 Revision 4 (10/1/01) Effective 5/1/98 DATA ELEMENT: WYO Transaction Date ALIAS: Transaction Date ACRONYM: (PMF) TRANS-DT FILE: Policy Master (PMF) Claims Master (CMF) DESCRIPTION: This is the date on which a transaction is processed through aWYO company's automated system. This is not necessarily the sameas the date on which a transaction record (for FIMA) is produced, unless the two dates coincide. EDIT CRITERIA: Numeric, Date Format: YYYYMMDD LENGTH: 8 DEPENDENCIES: Provided by the WYO company. SYSTEM FUNCTION: Financial Reconciliation Policy History Claims History REPORTING REQUIREMENT: Required Part 4 4-219 Revision 4 (10/1/01) Effective 10/1/96 DATA ELEMENT: 1981 Post-FIRM V Zone Certification Indicator ALIAS: None ACRONYM: WYO (PMF) POST-V-CERT FILE: Policy Master (PMF) DESCRIPTION: This indicates, for 1981 Post-FIRM Zone V rating, whether or notcertification has been provided in accordance with Section60.3(e) (4) of the Federal floodplain management regulations. This section requires that a community shall "Provide that allnew construction and substantial improvements in Zones V1-30 andVE, and also Zone V if base flood elevation data are available onthe community's FIRM, are elevated on pilings and columns sothat: (i) the bottom of the lowest horizontal structural memberof the lowest floor (excluding the pilings or columns) iselevated to or above the base flood level; and (ii) the pile orcolumn foundation and structure attached thereto is anchored to resist flotation, collapse and lateral movement due to theeffects of wind and water loads acting simultaneously on allbuilding components. Wind and water loading values shall eachhave a 1-percent chance of being equaled or exceeded in any givenyear (100-year mean recurrence interval). A registeredprofessional engineer or architect shall develop or review thestructural design, specifications and plans for the construction, and shall certify that the design and methods of construction tobe used are in accordance with accepted standards of practice formeeting the provisions and paragraphs (e) (4) (i) and (ii) ofthis section." This indicator is required only for policiesrated using the 1981 Post-FIRM Zone V Rate Table, i.e., unnumbered V Zone policies with construction dates on or afterOctober 1, 1981. EDIT CRITERIA: Alpha, Acceptable Values: Y - Yes, certification has been provided. N - No, certification has not been provided. LENGTH: 1 DEPENDENCIES: Information is obtained from certification accompanying the Flood Insurance Application. SYSTEM FUNCTION: Underwriting and Rating Verification REPORTING REQUIREMENT: Required for 1981 Post-FIRM Zone V. Part 4 4-220 Revision 4 (10/1/01) Effective 10/1/87 PART 5 - CODES TABLE OF CONTENTS Page INTRODUCTION................................................5-1 Basement/Enclosure Type.....................................5-1 Building Damage Subject to Policy Exclusions (ACV)..........5-1 Building in Course of Construction Indicator................5-1 Cancellation/Voidance Reason................................5-1 Cause of Loss...............................................5-2 Claim Closed Without Payment Reason - Building..............5-2 Claim Closed Without Payment Reason - Contents..............5-2 Claim Closed Without Payment Reason - ICC...................5-3 Claim Status Indicator......................................5-3 Coinsurance Claim Settlement Indicator......................5-3 Community Identification Number.............................5-3 Condominium Indicator.......................................5-3 Contents Damage Subject to Policy Exclusions (ACV)..........5-4 Coverage Required for Disaster Assistance...................5-4 Deductible - Applicable to Building Claim Payment...........5-4 Deductible - Applicable to Contents Claim Payment...........5-5 Deductible - Building.......................................5-5 Deductible - Contents.......................................5-5A Duration Building Will Not Be Habitable.....................5-5A Elevated Building Indicator.................................5-5A Elevation Certificate Indicator.............................5-6 Exterior Wall Structure Type................................5-6 Exterior Wall Surface Treatment.............................5-6 Factors Related to Cause of Loss............................5-7 Final Payment Indicator - Building..........................5-7 Final Payment Indicator - Contents..........................5-7 Final Payment Indicator - ICC...............................5-7 Flood Characteristics.......................................5-7 Floodproofed Indicator......................................5-8 Foundation Type.............................................5-8 ICC Claim Indicator.........................................5-8 ICC Mitigation Indicator....................................5-8 Insurance to Value Ratio Indicator..........................5-9 Location of Contents Indicator..............................5-9 Name Format Indicator.......................................5-9 Name or Descriptive Information Indicator...................5-9 New/Rollover Indicator......................................5-9 Number of Floors (Including Basement)/Building Type.........5-9 Obstruction Type............................................5-10 Occupancy Type..............................................5-11 Policy Status Indicator.....................................5-11 Policy Term Indicator.......................................5-11 Post-FIRM Construction Indicator............................5-11 Premium Payment Indicator...................................5-11 Part 5 5-i Revision 4 (10/1/01) Change 7 Effective 5/1/05 PART 5 - CODES Table of Contents (Cont’d.) Page Principal Residence Indicator...............................5-11 Regular/Emergency Program Indicator.........................5-11 Repetitive Loss Target Group Indicator......................5-11 Replacement Cost Indicator..................................5-12 Risk Rating Method..........................................5-12 Special Expense Type........................................5-12 State-Owned Property........................................5-12 Substantial Improvement Indicator...........................5-12 Value of Building Items Subject to Policy Exclusions (ACV)..5-12 Value of Contents Items Subject to Policy Exclusions (ACV)..5-13 WYO Transaction Code........................................5-13 1981 Post-FIRM V Zone Certification Indicator...............5-14 Part 5 5-ii Revision 4 (10/1/01) Change 6 Effective 5/1/04 PART 5 - CODES INTRODUCTION This section documents the coding scheme used to record NFIP/WYOinsurance information. BASEMENT/ENCLOSURE TYPE DESCRIPTION CODE None 0 Finished 1 Unfinished 2 BUILDING DAMAGE SUBJECT TO POLICY EXCLUSIONS (ACV) DESCRIPTION CODE Less than $1,000 1 $1,000 - $2,000 2 $2,001 - $5,000 3 $5,001 - $10,000 4 $10,001 - $20,000 5 More than $20,000 6 BUILDING IN COURSE OF CONSTRUCTION INDICATOR DESCRIPTION CODE Yes Y No N CANCELLATION/VOIDANCE REASON DESCRIPTION CODE Building Sold or Removed 01 Contents Sold or Removed (for Contents-Only Policy) 02 Policy Canceled and Rewritten to Establish a Common Expiration Date with Other Insurance Coverage 03 Duplicate NFIP Policies 04 Nonpayment 05 Risk Not Eligible for Coverage 06 Property Closing Did Not Occur 08 Insurance No Longer Required by Mortgagee Because Property Is No Longer Located in a Special Flood Hazard Area Due to Physical Map Revision 09 Other: Continuous Lake Flooding or Closed Basin Lakes 10 Nonpayment/No Refund (No longer valid) 11 Insurance No Longer Required Based on FEMA Review of Lender's Special Flood Hazard Area Determination 16 Duplicate Policies from Sources Other Than the NFIP 17 Mid-Term Cancellation of a 3-Year Policy to Obtain ICC Coverage 18 Mortgage Paid Off on a Mortgage Portfolio ProtectionProgram (MPPP) Policy (combined with 52) 19 Part 5 5-1 Revision 4 (10/1/01) Change 7 Effective 5/1/05 CANCELLATION/VOIDANCE REASON (Cont’d.) DESCRIPTION CODE Insurance No Longer Required by Mortgagee Because Structure Has Been Removed from Special Flood Hazard Area by Means of Letter of Map Amendment (LOMA) or Letter of Map Revision (LOMR) 20 Policy Was Written to the Wrong Facility (Repetitive Loss Target Group) 21 Cancel/Rewrite Due to Misrating 22 Fraud 23 Cancel/Rewrite Due to Map Revision 24 Condominium Policy (Unit or Association) Converting to RCBAP 45 Policy Not Required by Mortgagee 50 Mid-Term Voidance of 3-Year Policy Due to Cessation of Community Participation in the NFIP 51 Mortgage Paid Off 52 Voidance Prior to Effective Date 60 Voidance Due to Credit Card Error 70 CAUSE OF LOSS DESCRIPTION CODE Other Causes 0 Tidal Water Overflow 1 Stream, River, or Lake Overflow 2 Alluvial Fan Overflow 3 Accumulation of Rainfall or Snowmelt 4 Erosion – Demolition 7 Erosion – Removal 8 Earth Movement, Landslide, Land Subsidence, Sinkholes, etc. 9 Closed Basin Lake A Expedited Claim Handling Process Without Site Inspection B Expedited Claim Handling Process Follow-up Site Inspection C Expedited Claim Handling Process by Adjusting Process Pilot Program D CLAIM CLOSED WITHOUT PAYMENT REASON - BUILDING CLAIM CLOSED WITHOUT PAYMENT REASON - CONTENTS DESCRIPTION CODE Claim denied that was less than deductible 01 Seepage 02 Backup drains 03 Shrubs not covered 04 Sea wall 05 Not actual flood 06 Loss in progress 07 Failure to pursue claim 08 Debris removal only 09 Fire 10 Part 5 5-2 Revision 4 (10/1/01) Change 8.1 Effective 10/1/05 CLAIM CLOSED WITHOUT PAYMENT REASON - BUILDING CLAIM CLOSED WITHOUT PAYMENT REASON – CONTENTS (Cont’d.) Fence damage 11 Hydrostatic pressure 12 Drainage clogged 13 Boat piers 14 Not insured, damage before inception of policy 15 Not insured, wind damage 16 Type of erosion not included in definition of flood or flooding 17 Landslide 18 Type of mudflow not included in definition of flood or flooding 19 No demonstrable damage 20 Other 97 Error-delete claim (no assignment) 98 Erroneous assignment 99 CLAIM CLOSED WITHOUT PAYMENT REASON - ICC DESCRIPTION CODE Flood-related portion of damage less than 50% of property value 01 No record of previous loss payment for a repetitive loss ICC claim 02 Other 97 Error-delete claim (no assignment) 98 Erroneous assignment 99 CLAIM STATUS INDICATOR DESCRIPTION CODE Open A Closed With Payment C Closed Without Payment X COINSURANCE CLAIM SETTLEMENT INDICATOR DESCRIPTION CODE RCBAP coinsurance penalty applied Y No RCBAP coinsurance penalty N or Blank COMMUNITY IDENTIFICATION NUMBER See Community Status Book or Community Master File. CONDOMINIUM INDICATOR DESCRIPTION CODE Not a Condominium N Individual Condominium Unit insured by a unit owner or by an association U Condominium Association A Condominium Master Policy (RCBAP) – High-Rise H Condominium Master Policy (RCBAP) – Low-Rise L Townhouse/Rowhouse Condominium Unit (PRP policies only) T Part 5 5-3 Revision 4 (10/1/01) Change 8.1 Effective 10/1/05 CONTENTS DAMAGE SUBJECT TO POLICY EXCLUSIONS (ACV) DESCRIPTION CODE Less than $1,000 1 $1,000 - $2,000 2 $2,001 - $5,000 3 $5,001 - $10,000 4 $10,001 - $20,000 5 More than $20,000 6 COVERAGE REQUIRED FOR DISASTER ASSISTANCE DESCRIPTION CODE Not Required 0 SBA 1 FEMA 2 FHA 3 HHS 4 Other Agency 5 DEDUCTIBLE - APPLICABLE TO BUILDING CLAIM PAYMENT DESCRIPTION CODE $ 500 0 $ 1,000 1 $ 2,000 2 $ 3,000 3 $ 4,000 4 $ 5,000 5 $ 6,000 6 $ 8,000 7 $10,000 8 $ 750 9 $ 1,500 A $ 1,250 B $ 1,750 C $ 2,250 D $ 3,250 E $ 4,250 F $ 5,250 G $ 6,250 H $ 8,250 I $10,250 J $10,000 K $15,000 L $20,000 M $25,000 N $50,000 P $30,000 Q$40,000 R $100,000 S Part 5 5-4 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DEDUCTIBLE - APPLICABLE TO CONTENTS CLAIM PAYMENT DESCRIPTION CODE $ 500 0 $ 1,000 1 $ 2,000 2 $ 3,000 3 $ 4,000 4 $ 5,000 5 $ 6,000 6 $ 8,000 7 $10,000 8 $ 750 9 $ 1,500 A $ 1,250 B $ 1,750 C $ 2,250 D $ 3,250 E $ 4,250 F $ 5,250 G $ 6,250 H $ 8,250 I $10,250 J $10,000 K $15,000 L $20,000 M $25,000 N $50,000 P $30,000 Q$40,000 R $100,000 S DEDUCTIBLE - BUILDING DESCRIPTION CODE $ 500 0 $ 1,000 1 $ 2,000 2 $ 3,000 3 $ 4,000 4 $ 5,000 5 $ 750 9 $10,000 A $15,000 B $20,000 C $25,000 D $50,000 E Part 5 5-5 Revision 4 (10/1/01) Change 7 Effective 5/1/05 DEDUCTIBLE - CONTENTS DESCRIPTION CODE $ 500 0 $ 1,000 1 $ 2,000 2 $ 3,000 3 $ 4,000 4 $ 5,000 5 $ 750 9 $10,000 A $15,000 B $20,000 C $25,000 D $50,000 E DURATION BUILDING WILL NOT BE HABITABLE DESCRIPTION CODE 0-2 days 1 3-7 days 2 2-4 weeks 3 1-2 months 4 More than 2 months 5 ELEVATED BUILDING INDICATOR DESCRIPTION CODE Elevated Building Y Not Elevated Building N Part 5 5-5A Revision 4 (10/1/01) Change 6 Effective 5/1/04 This page is intentionally left blank. Part 4 5-5B Revision 4 (10/1/01) Change 4 Effective 5/1/03 ELEVATION CERTIFICATE INDICATOR DESCRIPTION CODE Post-FIRM Zone A Rate Tables: No Elevation Certificate, original effectivedate prior to October 1, 1982, with no breakin insurance coverage 1 No Elevation Certificate, original effectivedate on or after October 1, 1982, with no break in insurance coverage 2 Elevation Certificate with BFE 3 Elevation Certificate without BFE 4 Provisionally Rated Post-FIRM Zone AE (A1-A30) or Post-FIRMZone A Where the Community Provides BFEs: Basement A Fill or Crawlspace B Piles, Piers, or Columns with Enclosure C Piles, Piers, or Columns without Enclosure D Slab on Grade E EXTERIOR WALL STRUCTURE TYPE DESCRIPTION CODE Reinforced Concrete 1 Concrete Block 2 Wood Stud 3 Steel and Glass 4 Brick or Stone 5 Other 6 EXTERIOR WALL SURFACE TREATMENT DESCRIPTION CODE Unfinished 1 Stone/Brick Veneer 2 Stucco 3 Sheathing/Siding Wood 4 Metal 5 Vinyl 6 Other 7 Part 5 5-6 Revision 4 (10/1/01) Effective 5/1/00 FACTORS RELATED TO CAUSE OF LOSS DESCRIPTION CODE Improper Building A Improper Grading B Improper Water Diversion C Debris Accumulation D Inadequate Storm Drain System E Negligent Maintenance of Storm Drain System F Failure to Use Pumps G Inadequate Pumps H Pump Failure I Dam Failure J Excessive Water Release from Dam K Excessive Water Release from Other Source L Failure of Other Flood Control Measures M Other Violation of Floodplain Management Regulations N Other Factor That Identifies a Responsible Party of Act O FINAL PAYMENT INDICATOR - BUILDING DESCRIPTION CODE Closed Case/Final Payment Y Open Case/Not Final Payment N No Case/Not Applicable A FINAL PAYMENT INDICATOR - CONTENTS DESCRIPTION CODE Closed Case/Final Payment Y Open Case/Not Final Payment N No Case/Not Applicable A FINAL PAYMENT INDICATOR - ICC DESCRIPTION CODE Closed Case/Final Payment Y Open Case/Not Final Payment N No Case/Not Applicable A FLOOD CHARACTERISTICS DESCRIPTION CODE Velocity Flow 1 Low-Velocity Flow or Ponding 2 Wave Action 3 Mudflow 4 Erosion 5 Part 5 5-7 Revision 4 (10/1/01) Effective 5/1/00 FLOODPROOFED INDICATOR DESCRIPTION CODE Floodproofed Y Not Floodproofed N FOUNDATION TYPE DESCRIPTION CODE Concrete Piles 11 Wood Piles 12 Steel Piles 13 Reinforced Concrete Piers 21 Reinforced Concrete Block Piers 22 Unreinforced Concrete Block Piers 23 Brick Piers 24 Other Piers 25 Wood Posts 30 Reinforced Concrete Walls 41 Concrete Block Walls 42 Reinforced Concrete Shear Walls 43 Treated Plywood 44 Brick Walls 45 Other Walls 46 Concrete Slab 50 Other 60 ICC CLAIM INDICATOR DESCRIPTION CODE Not an ICC Claim N or Blank Repetitive Loss ICC Claim R Substantial Damage ICC Claim S ICC MITIGATION INDICATOR DESCRIPTION CODE Demolition D Elevation E Other O Relocation R Floodproof F Part 4 5-8 Revision 4 (10/1/01) Effective 5/1/00 INSURANCE TO VALUE RATIO INDICATOR DESCRIPTION CODE Less than .50 1 .50 - .74 2 .75 or More 3 LOCATION OF CONTENTS INDICATOR DESCRIPTION CODE Basement Only 1 Basement and Above 2 Lowest Floor Only Above Ground Level 3 Lowest Floor Above Ground Level and Higher Floors 4 Above Ground Level More Than One Full Floor 5 Manufactured (Mobile) Home or Travel Trailer on Foundation 6 NAME FORMAT INDICATOR DESCRIPTION CODE Person P Group G NAME OR DESCRIPTIVE INFORMATION INDICATOR DESCRIPTION CODE Name N Descriptive D NEW/ROLLOVER INDICATOR DESCRIPTION CODE New Issue N Rollover/Renewal R Rollover/Renewal with Elevation Certification Date Prior to October 1, 1997 (effective May 1, 2005, code no longer valid) E Rewritten for TRRP Cancellation Reason Codes 22 and 24 Z NUMBER OF FLOORS (INCLUDING BASEMENT)/BUILDING TYPE DESCRIPTION CODE One Floor Two Floors Three or More Floors Split-LevelManufactured (Mobile) Home or Travel Trailer on FoundationTownhouse/Rowhouse with three or more floors (RCBAP Low-rise only) 6 Part 5 5-9 Revision 4 (10/1/01) Change 7 Effective 5/1/05 OBSTRUCTION TYPE DESCRIPTION CODE Free of obstruction 10 With obstruction: enclosure/crawlspace with properopenings not used for rating (Zone A only) 15 With obstruction: less than 300 sq. ft. with breakaway walls, but no machinery or equipment attached to building below lowest elevated floor, or elevation of machinery/equipment is at or above Base Flood Elevation 20 With obstruction: less than 300 sq. ft. with breakaway walls and with machinery or equipment attached to building below lowest elevated floor, and elevation of machinery/equipment is below Base Flood Elevation 24 With obstruction: 300 sq. ft. or more with breakaway walls, but no machinery or equipment attached to building below lowest elevated floor 30 With obstruction: 300 sq. ft. or more with breakaway walls and with machinery or equipment attached to building below lowest elevated floor 34 With obstruction: no walls, but the elevation of machinery or equipment attached to building is below Base Flood Elevation (NOTE: Use Obstruction Type “10” and Without Obstruction Rate Table if the elevation of machinery/ Equipment is at or above Base Flood Elevation.) 40 With obstruction: nonbreakaway walls with no machinery or equipment attached to building below lowest elevated floor 50 With obstruction: nonbreakaway walls with machinery or equipment attached to building below lowest elevated floor 54 With obstruction 60 OCCUPANCY TYPE DESCRIPTION CODE Single-Family 1 Two- to Four-Family 2 Other Residential 3 Nonresidential 4 Part 5 5-10 Revision 4 (10/1/01) Change 6 Effective 5/1/04 POLICY STATUS INDICATOR DESCRIPTION CODE In force as of the reporting month A Future effective as of the reporting month B Cancelled before the reporting month C Cancelled during or after the reporting month D Expired more than 120 days before the reporting month E Expired before the reporting month less than 29 days F Expired before the reporting month more than 29 days but less than 120 days G Reinstated within the latest term month R POLICY TERM INDICATOR DESCRIPTION CODE 1 Year 1 3 Years (only for policies effective priorto May 1, 1999) Other (between 1 and 3 years) 3 9 POST-FIRM CONSTRUCTION INDICATOR DESCRIPTION CODE Post-FIRM Construction Y Pre-FIRM Construction N PREMIUM PAYMENT INDICATOR DESCRIPTION CODE Credit Card C Cash/Check Blank PRINCIPAL RESIDENCE INDICATOR DESCRIPTION CODE Principal Residence of InsuredNot Principal Residence Y N REGULAR/EMERGENCY PROGRAM INDICATOR DESCRIPTION CODE Emergency ProgramRegular Program E R REPETITIVE LOSS TARGET GROUP INDICATOR DESCRIPTION CODE Repetitive Loss Target Group Policy Y Not a Repetitive Loss Target Group Policy N or Blank Part 5 5-11 Revision 4 (10/1/01) Change 6 Effective 5/1/04 REPLACEMENT COST INDICATOR DESCRIPTION CODE Replacement Cost Basis R Actual Cash Value Basis A RISK RATING METHOD DESCRIPTION CODE Manual 1 Specific 2 Alternative 3 V-Zone Risk Factor Rating Form 4 Underinsured Condominium Master Policy 5 Provisional 6 Preferred Risk Policy 7 Tentative 8 MPPP Policy 9 Optional Post-1981 V Zone A Target Group Full Risk T SPECIAL EXPENSE TYPE DESCRIPTION CODE Engineering expense 1 Cost to establish coverage or property value 2 Legal expense 3 Cost of appraisal 4 STATE-OWNED PROPERTY DESCRIPTION CODE State-Owned Y Not State-Owned N SUBSTANTIAL IMPROVEMENT INDICATOR DESCRIPTION CODE Repair, reconstruction, or improvement costs equaled or exceeded 50 percent of market value of building before it was damaged or improved Y No alterations meeting criterion above N VALUE OF BUILDING ITEMS SUBJECTTO POLICY EXCLUSIONS (ACV) DESCRIPTION CODE Less than $1,000 1 $1,000 - $2,000 2 $2,001 - $5,000 3 $5,001 - $10,000 4 $10,001 - $20,000 5 Part 5 5-12 Revision 4 (10/1/01) Change 6 Effective 5/1/04 More than $20,000 6 Part 5 5-13 Revision 4 (10/1/01) Change 6 Effective 5/1/04 VALUE OF CONTENTS ITEMS SUBJECT TO POLICY EXCLUSIONS (ACV) DESCRIPTION CODE Less than $1,000 1 $1,000 - $2,000 2 $2,001 - $5,000 3 $5,001 - $10,000 4 $10,001 - $20,000 5 More than $20,000 6 WYO TRANSACTION CODE DESCRIPTION CODE Premium Transactions New Business – required 11A Policy Reinstatement without Policy Changes – required 14A Policy Reinstatement with Policy Changes – required 15A Renewal – required 17A Endorsement – required 20A Policy Correction – required 23A Cancellation – required 26A Cancellation Correction – required 29A Loss Transactions Open Claim/Loss - Initial Reserve – required 31A Open Claim/Loss - Initial Reserve – optional 31B Reopen Claim/Loss - required 34A Change Reserve – required 37A Partial Payment – required 40A Close Claim/Loss – required 43A Close Claim/Loss – optional 43B Close Claim/Loss Without Payment – required 46A Addition to Final Payment – required 49A Addition to Final Payment – optional 49B Recovery After Final Payment – required 52A Recovery After Final Payment – optional 52B Loss Correction Transactions General Claim/Loss Correction – required 61A General Claim/Loss Correction – optional 61B Claim Payment Correction – required 64A Recovery Correction – required 67A Special Allocated Loss Adjustment Expense – required 71A Special Allocated Loss Adjustment Expense Correction – required 74A Change KeysChange Policy Number Key – required 81A Change Date of Loss Key – required 84A Change Claim Payment Key – required 87A Lender Data (Expired Policy Notification) - required 99A Mailing Address Data – required 12A Part 5 5-14 Revision 4 (10/1/01) Change 8 Effective 10/1/05 1981 POST-FIRM V ZONE CERTIFICATION INDICATOR DESCRIPTION CODE Yes, Certification Provided Y No, Certification Not Provided N Part 5 5-15 Revision 4 (10/1/01) Change 6 Effective 5/1/04 PART 6 - RECORD LAYOUTS TABLE OF CONTENTS Page INTRODUCTION................................................6-1 Transaction Code/Description 11 New Business............................................6-2 12 Mailing Address Data....................................6-3A 14 Policy Reinstatement Without Policy Changes.............6-4 15 Policy Reinstatement With Policy Changes................6-5 17 Renewals................................................6-7 20 Endorsements............................................6-9 23 Policy Correction.......................................6-11 26 Cancellation............................................6-13 29 Cancellation Correction.................................6-13 31 Open Claim/Loss - Reserve...............................6-14 34 Reopen Claim/Loss.......................................6-16 37 Change Reserve..........................................6-17 40 Partial Payment.........................................6-18 43 Close Claim/Loss .......................................6-19 46 Close Claim/Loss Without Payment........................6-21 49 Addition to Final Payment...............................6-22 52 Recovery After Final Payment............................6-24 61 General Claim/Loss Correction...........................6-26 64 Claim Payment Correction................................6-28 67 Recovery Correction.....................................6-29 71 Special Allocated Loss Adjustment Expense...............6-30 74 Special Allocated Loss Adjustment Expense Correction....6-30 81 Change Policy Number Key................................6-31 84 Change Date of Loss Key.................................6-31 87 Change Claims Payment Date Key..........................6-31 99 Lender Data (Expired Policy Notification)...............6-32 Part 6 6-i Revision 4 (10/1/01) Change 8 Effective 10/1/05 PART 6 - RECORD LAYOUTS INTRODUCTION This section provides a description of the record layout for eachsystem transaction. The description includes the field lengthand record position. Each transaction has the possibility of a"Record A" and a "Record B." The "Record A" designates thosedata elements that are required and the "Record B" the optionaldata elements for the transaction. Each transaction is presentedin a narrative form. Part 6 6-1 Revision 4 (10/1/01) Effective 10/1/89 11 New Business Field Record Record A Length Position Transaction Code (11A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Policy Effective Date 8 27-34 Policy Expiration Date 8 35-42 Name or Descriptive Information Indicator 1 43 Property Beginning Street Number 10 44-53 Property Address 1 50 54-103 Property Address 2 50 104-153 Property City 30 154-183 Property State 2 184-185 Property ZIP Code 9 186-194 Taxpayer Identification Number 9 195-203 Coverage Required for Disaster Assistance 1 204 Community Identification Number 6 205-210 Map Panel Number 4 211-214 Map Panel Suffix 1 215 Regular/Emergency Program Indicator 1 216 Flood Risk Zone 3 217-219 Occupancy Type 1 220 Number of Floors (Including Basement)/ Building Type 1 221 Basement/Enclosure Type 1 222 Condominium Indicator 1 223 State-Owned Property 1 224 Building in Course of Construction Indicator 1 225 Deductible - Building 1 226 Deductible - Contents 1 227 Elevated Building Indicator 1 228 Obstruction Type 2 229-230 Location of Contents Indicator 1 231 Original Construction Date/Substantial Improvement Date 8 232-239 Post-FIRM Construction Indicator 1 240 Elevation Difference 4 241-244 Floodproofed Indicator 1 245 Total Amount of Insurance - Building 8 246-253 Total Amount of Insurance - Contents 5 254-258 Total Calculated Premium 7 259-265 Risk Rating Method 1 266 Policy Term Indicator 1 267 Premium Payment Indicator 1 268 New/Rollover Indicator 1 269 Filler 8 270-277 Insurance to Value Ratio Indicator 1 278 Elevation Certificate Indicator 1 279 1981 Post-FIRM V Zone Certification Ind. 1 280 Condominium Master Policy Units 3 281-283 Insured Last Name 25 284-308 Insured First Name 25 309-333 Part 6 6-2 Revision 4 (10/1/01) Change 7 Effective 5/1/05 New Business (Cont’d.) Field Record Record A (Cont’d.) Length Position Name Format Indicator 1 334 CRS Classification Credit Percentage 2 335-336 Federal Policy Fee 3 337-339 Expense Constant 3 340-342 Principal Residence Indicator 1 343 Replacement Cost 10 344-353 Lowest Floor Elevation (LFE) 6 354-359 Base Flood Elevation (BFE) 6 360-365 Repetitive Loss Target Group Indicator 1 366 Lowest Adjacent Grade 6 367-372 Diagram Number 1 373 Elevation Certification Date 8 374-381 Basic Building Rate WYO 5 382-386 Additional Building Rate WYO 5 387-391 Basic Contents Rate WYO 5 392-396 Additional Contents Rate WYO 5 397-401 ICC Premium WYO 3 402-404 Probation Surcharge Amount WYO 3 405-407 Deductible Percentage WYO 4 408-411 Repetitive Loss ID Number 7 412-418 Reserved for NFIP Use 39 419-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-3 Revision 4 (10/1/01) Change 6 Effective 5/1/04 12 Mailing Address Data Field Record Record A Length Position Transaction Code (12A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Name or Descriptive Information Indicator 1 27 Mailing Address 1 50 28-77 Mailing Address 2 50 78-127 Mailing City 30 128-157 Mailing State 2 158-159 Mailing ZIP Code 9 160-168 Reserved for NFIP Use 289 169-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 NOTE: This transaction must be submitted with any new business (11A), renewal (17A), or reinstatement transaction (14A,15A) OR when the mailing address information has been updated by the WYO company. Part 6 6-3A Revision 4 (10/1/01) Change 8 Effective 10/1/05 This page is intentionally left blank. Part 6 6-3B Revision 4 (10/1/01) Change 8 Effective 10/1/05 14 Policy Reinstatement Without Policy Changes Field Record Record A Length Position Transaction Code (14A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Policy Effective Date 8 27-34 Policy Expiration Date 8 35-42 Reserved for NFIP Use 415 43-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 NOTE: If changes to policy record are needed, the WYO company must either submit an Endorsement transaction (20) with this transaction, or submit a Policy Reinstatement with Policy Changes transaction (15) in lieu of this transaction. Part 6 6-4 Revision 4 (10/1/01) Effective 5/1/00 15 Policy Reinstatement With Policy Changes Field Record Record A Length Position Transaction Code (15A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Policy Effective Date 8 27-34 Policy Expiration Date 8 35-42 Name or Descriptive Information Indicator 1 43 Property Beginning Street Number 10 44-53 Property Address 1 50 54-103 Property Address 2 50 104-153 Property City 30 154-183 Property State 2 184-185 Property ZIP Code 9 186-194 Taxpayer Identification Number 9 195-203 Coverage Required for Disaster Assistance 1 204 Community Identification Number 6 205-210 Map Panel Number 4 211-214 Map Panel Suffix 1 215 Regular/Emergency Program Indicator 1 216 Flood Risk Zone 3 217-219 Occupancy Type 1 220 Number of Floors (Including Basement)/ Building Type 1 221 Basement/Enclosure Type 1 222 Condominium Indicator 1 223 State-Owned Property 1 224 Building in Course of Construction Indicator 1 225 Deductible - Building 1 226 Deductible - Contents 1 227 Elevated Building Indicator 1 228 Obstruction Type 2 229-230 Location of Contents Indicator 1 231 Original Construction Date/Substantial Improvement Date 8 232-239 Post-FIRM Construction Indicator 1 240 Elevation Difference 4 241-244 Floodproofed Indicator 1 245 Total Amount of Insurance - Building 8 246-253 Total Amount of Insurance - Contents 5 254-258 Reinstatement Premium 9 259-267 Risk Rating Method 1 268 Policy Term Indicator 1 269 Premium Payment Indicator 1 270 New/Rollover Indicator 1 271 Endorsement Effective Date 8 272-279 Insurance to Value Ratio Indicator 1 280 Elevation Certificate Indicator 1 281 1981 Post-FIRM V Zone Certification Ind. 1 282 Condominium Master Policy Units 3 283-285 Insured Last Name 25 286-310 Insured First Name 25 311-335 Part 6 6-5 Revision 4 (10/1/01) Change 7 Effective 5/1/05 Policy Reinstatement With Policy Changes (Cont’d.) Field Record Record A (Cont’d) Length Position Name Format Indicator 1 336 CRS Classification Credit Percentage 2 337-338 Reinstatement Federal Policy Fee 5 339-343 Expense Constant 3 344-346 Principal Residence Indicator 1 347 Replacement Cost 10 348-357 Lowest Floor Elevation (LFE) 6 358-363 Base Flood Elevation (BFE) 6 364-369 Repetitive Loss Target Group Indicator 1 370 Lowest Adjacent Grade 6 371-376 Diagram Number 1 377 Elevation Certification Date 8 378-385 Basic Building Rate WYO 5 386-390 Additional Building Rate WYO 5 391-395 Basic Contents Rate WYO 5 396-400 Additional Contents Rate WYO 5 401-405 ICC Premium WYO 3 406-408 Probation Surcharge Amount WYO 3 409-411 Deductible Percentage WYO 4 412-415 Repetitive Loss ID Number 7 416-422 Reserved for NFIP Use 35 423-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-6 Revision 4 (10/1/01) Change 6 Effective 5/1/04 17 Renewals Field Record Record A Length Position Transaction Code (17A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Policy Effective Date 8 27-34 Policy Expiration Date 8 35-42 Name or Descriptive Information Indicator 1 43 Property Beginning Street Number 10 44-53 Property Address 1 50 54-103 Property Address 2 50 104-153 Property City 30 154-183 Property State 2 184-185 Property ZIP Code 9 186-194 Taxpayer Identification Number 9 195-203 Coverage Required for Disaster Assistance 1 204 Community Identification Number 6 205-210 Map Panel Number 4 211-214 Map Panel Suffix 1 215 Regular/Emergency Program Indicator 1 216 Flood Risk Zone 3 217-219 Occupancy Type 1 220 Number of Floors (Including Basement)/ Building Type 1 221 Basement/Enclosure Type 1 222 Condominium Indicator 1 223 State-Owned Property 1 224 Building in Course of Construction Indicator 1 225 Deductible - Building 1 226 Deductible - Contents 1 227 Elevated Building Indicator 1 228 Obstruction Type 2 229-230 Location of Contents Indicator 1 231 Original Construction Date/Substantial Improvement Date 8 232-239 Post-FIRM Construction Indicator 1 240 Elevation Difference 4 241-244 Floodproofed Indicator 1 245 Total Amount of Insurance - Building 8 246-253 Total Amount of Insurance - Contents 5 254-258 Total Calculated Premium 7 259-265 Risk Rating Method 1 266 Policy Term Indicator 1 267 Premium Payment Indicator 1 268 Filler 9 269-277 Insurance to Value Ratio Indicator 1 278 Elevation Certificate Indicator 1 279 1981 Post-FIRM V Zone Certification Ind. 1 280 Condominium Master Policy Units 3 281-283 Insured Last Name 25 284-308 Insured First Name 25 309-333 Part 6 6-7 Revision 4 (10/1/01) Effective 10/1/96 Renewals (Cont’d.) Field Record Record A (Cont’d.) Length Position Name Format Indicator 1 334 CRS Classification Credit Percentage 2 335-336 Federal Policy Fee 3 337-339 Expense Constant 3 340-342 Principal Residence Indicator 1 343 Replacement Cost 10 344-353 Lowest Floor Elevation (LFE) 6 354-359 Base Flood Elevation (BFE) 6 360-365 Repetitive Loss Target Group Indicator 1 366 Lowest Adjacent Grade 6 367-372 Diagram Number 1 373 Elevation Certification Date 8 374-381 Basic Building Rate WYO 5 382-386 Additional Building Rate WYO 5 387-391 Basic Contents Rate WYO 5 392-396 Additional Contents Rate WYO 5 397-401 ICC Premium WYO 3 402-404 Probation Surcharge Amount WYO 3 405-407 Deductible Percentage WYO 4 408-411 Repetitive Loss ID Number 7 412-418 Reserved for NFIP Use 39 419-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-8 Revision 4 (10/1/01) Change 6 Effective 5/1/04 20 Endorsements Field Record Record A Length Position Transaction Code (20A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Policy Effective Date 8 27-34 Policy Expiration Date 8 35-42 Name or Descriptive Information Indicator 1 43 Property Beginning Street Number 10 44-53 Property Address 1 50 54-103 Property Address 2 50 104-153 Property City 30 154-183 Property State 2 184-185 Property ZIP Code 9 186-194 Taxpayer Identification Number 9 195-203 Coverage Required for Disaster Assistance 1 204 Community Identification Number 6 205-210 Map Panel Number 4 211-214 Map Panel Suffix 1 215 Regular/Emergency Program Indicator 1 216 Flood Risk Zone 3 217-219 Occupancy Type 1 220 Number of Floors (Including Basement)/ Building Type 1 221 Basement/Enclosure Type 1 222 Condominium Indicator 1 223 State-Owned Property 1 224 Building in Course of Construction Indicator 1 225 Deductible - Building 1 226 Deductible - Contents 1 227 Elevated Building Indicator 1 228 Obstruction Type 2 229-230 Location of Contents Indicator 1 231 Original Construction Date/Substantial Improvement Date 8 232-239 Post-FIRM Construction Indicator 1 240 Elevation Difference 4 241-244 Floodproofed Indicator 1 245 Total Amount of Insurance - Building 8 246-253 Total Amount of Insurance – Contents 5 254-258 Endorsement Premium Amount 7 259-265 Risk Rating Method 1 266 Policy Term Indicator 1 267 Premium Payment Indicator 1 268 New/Rollover Indicator 1 269 Endorsement Effective Date 8 270-277 Insurance to Value Ratio Indicator 1 278 Elevation Certificate Indicator 1 279 1981 Post-FIRM V Zone Certification Ind. 1 280 Condominium Master Policy Units 3 281-283 Insured Last Name 25 284-308 Insured First Name 25 309-333 Part 6 6-9 Revision 4 (10/1/01) Change 7 Effective 5/1/05 Endorsements (Cont’d.) Field Record Record A (Cont’d) Length Position Name Format Indicator 1 334 CRS Classification Credit Percentage 2 335-336 Federal Policy Fee 3 337-339 Expense Constant 3 340-342 Principal Residence Indicator 1 343 Replacement Cost 10 344-353 Lowest Floor Elevation (LFE) 6 354-359 Base Flood Elevation (BFE) 6 360-365 Repetitive Loss Target Group Indicator 1 366 Lowest Adjacent Grade 6 367-372 Diagram Number 1 373 Elevation Certification Date 8 374-381 Basic Building Rate WYO 5 382-386 Additional Building Rate WYO 5 387-391 Basic Contents Rate WYO 5 392-396 Additional Contents Rate WYO 5 397-401 ICC Premium WYO 3 402-404 Probation Surcharge Amount WYO 3 405-407 Deductible Percentage WYO 4 408-411 Repetitive Loss ID Number 7 412-418 Reserved for NFIP Use 39 419-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-10 Revision 4 (10/1/01) Change 6 Effective 5/1/04 23 Policy Correction Field Record Record A Length Position Transaction Code (23A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Policy Effective Date 8 27-34 Policy Expiration Date 8 35-42 Name or Descriptive Information Indicator 1 43 Property Beginning Street Number 10 44-53 Property Address 1 50 54-103 Property Address 2 50 104-153 Property City 30 154-183 Property State 2 184-185 Property ZIP Code 9 186-194 Taxpayer Identification Number 9 195-203 Coverage Required for Disaster Assistance 1 204 Community Identification Number 6 205-210 Map Panel Number 4 211-214 Map Panel Suffix 1 215 Regular/Emergency Program Indicator 1 216 Flood Risk Zone 3 217-219 Occupancy Type 1 220 Number of Floors (Including Basement)/ Building Type 1 221 Basement/Enclosure Type 1 222 Condominium Indicator 1 223 State-Owned Property 1 224 Building in Course of Construction Indicator 1 225 Deductible - Building 1 226 Deductible - Contents 1 227 Elevated Building Indicator 1 228 Obstruction Type 2 229-230 Location of Contents Indicator 1 231 Original Construction Date/Substantial Improvement Date 8 232-239 Post-FIRM Construction Indicator 1 240 Elevation Difference 4 241-244 Floodproofed Indicator 1 245 Total Amount of Insurance - Building 8 246-253 Total Amount of Insurance - Contents 5 254-258 Premium (incremental adjustment to Total Calculated Premium or Endorsement Premium) 7 259-265 Risk Rating Method 1 266 Policy Term Indicator 1 267 Premium Payment Indicator 1 268 New/Rollover Indicator 1 269 Endorsement Effective Date 8 270-277 Insurance to Value Ratio Indicator 1 278 Elevation Certificate Indicator 1 279 1981 Post-FIRM V Zone Certification Ind. 1 280 Condominium Master Policy Units 3 281-283 Insured Last Name 25 284-308 Insured First Name 25 309-333 Part 6 6-11 Revision 4 (10/1/01) Change 7 Effective 5/1/05 Policy Correction (Cont’d.) Field Record Record A (Cont’d.) Length Position Name Format Indicator 1 334 CRS Classification Credit Percentage 2 335-336 Federal Policy Fee 3 337-339 Expense Constant 3 340-342 Principal Residence Indicator 1 343 Replacement Cost 10 344-353 Lowest Floor Elevation (LFE) 6 354-359 Base Flood Elevation (BFE) 6 360-365 Repetitive Loss Target Group Indicator 1 366 Lowest Adjacent Grade 6 367-372 Diagram Number 1 373 Elevation Certification Date 8 374-381 Basic Building Rate WYO 5 382-386 Additional Building Rate WYO 5 387-391 Basic Contents Rate WYO 5 392-396 Additional Contents Rate WYO 5 397-401 ICC Premium WYO 3 402-404 Probation Surcharge Amount WYO 3 405-407 Deductible Percentage WYO 4 408-411 Repetitive Loss ID Number 7 412-418 Reserved for NFIP Use 39 419-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-12 Revision 4 (10/1/01) Change 6 Effective 5/1/04 26 Cancellation Field Record Record A Length Position Transaction Code (26A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Policy Termination Date 8 27-34 Cancellation/Voidance Reason 2 35-36 Total Premium Refund 9 37-45 Federal Policy Fee - Refunded 5 46-50 Reserved for NFIP Use 407 51-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 29 Cancellation Correction Field Record Record A Length Position Transaction Code (29A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Policy Termination Date 8 27-34 Cancellation/Voidance Reason 2 35-36 Total Premium Refund 9 37-45 Federal Policy Fee - Refunded 5 46-50 Reserved for NFIP Use 407 51-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-13 Revision 4 (10/1/01) Effective 5/1/00 31 Open Claim/Loss - Reserve Field Record Record A Length Position Transaction Code (31A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Catastrophe Number 3 35-37 Reserve - Building 12 38-49 Reserve - Contents 9 50-58 Cause of Loss 1 59 Water Depth – Relative to Main Building 3 60-62 Total Property Value - Main and Appurtenant (ACV) 10 63-72 Total Building Damages - Main and Appurtenant (ACV) 10 73-82 Total Damage to Contents - Main and Appurtenant (ACV) 7 83-89 Expense of Contents Removal 4 90-93 Total Expense of Temp. Flood Protection 4 94-97 Building Claim Payment (ACV or RCV) 12 98-109 Contents Claim Payment (ACV) 9 110-118 Payment Date 8 119-126 Final Payment Indicator - Building 1 127 Final Payment Indicator - Contents 1 128 Replacement Cost Indicator 1 129 Expense of Manufactured (Mobile) Home Removal 4 130-133 Total Property Value - Main and Appurtenant (RCV) 10 34-143 Total Building Damages - Main and Appurtenant (RCV) 10 144-153 Total Damage to Contents - Main and Appurtenant (RCV) 7 154-160 ICC Claim Payment 7 161-167 ICC Mitigation Indicator 1 168 ICC Claim Indicator 1 169 ICC Prior Date of Loss 8 170-177 ICC Property Value - Current 10 178-187 ICC Property Value - Prior 10 188-197 ICC Actual Expense 10 198-207 ICC Flood Damage Amount - Prior 10 208-217 Final Payment Indicator - ICC 1 218 Reserve - ICC 7 219-225 Reserved for NFIP Use 232 226-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-14 Revision 4 (10/1/01) Effective 5/1/00 Open Claim/Loss – Reserve (Cont’d.) Field Record Record B Length Position Transaction Code (31B) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Foundation Type 2 35-36 Exterior Wall Structure Type 1 37 Exterior Wall Surface Treatment 1 38 Flood Characteristics 1 39 Factors Related to Cause of Loss 1 40 Duration of Flood Waters in Building 3 41-43 Alteration Date 8 44-51 Substantial Improvement Indicator 1 52 Duration Building Will Not Be Habitable 1 53 Property Value - Main (ACV) 10 54-63 Property Value - Appurtenant (ACV) 7 64-70 Damage - Main (ACV) 10 71-80 Damage - Appurtenant (ACV) 7 81-87 Damage to Contents - Main (ACV) 7 88-94 Damage to Contents - Appurtenant (ACV) 7 95-101 Deductible - Applicable to Building Claim Payment 1 102 Deductible - Applicable to Contents Claim Payment 1 103 Value of Building Items Subject to Policy Exclusions (ACV) 1 104 Value of Contents Subject to Policy Exclusions 1 105 Building Damage Subject to Policy Exclusions (ACV) 1 106 Contents Damage Subject to Policy Exclusions (ACV) 1 107 Value of Contents (ACV) 7 108-114 Reserved for NFIP Use 343 115-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-15 Revision 4 (10/1/01) Effective 5/1/00 34 Reopen Claim/Loss Field Record Record A Length Position Transaction Code (34A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Claim/Loss Reopen Date 8 5-42 Reserve - Building 12 43-54 Reserve - Contents 9 55-63 Building Claim Payment (ACV or RCV) 12 64-75 Contents Claim Payment (ACV) 9 76-84 Payment Date 8 85-92 Final Payment Indicator - Building 1 93 Final Payment Indicator - Contents 1 94 ICC Claim Payment 7 95-101 Final Payment Indicator - ICC 1 102 Reserve - ICC 7 103-109 Reserved for NFIP Use 348 110-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-16 Revision 4 (10/1/01) Effective 5/1/00 37 Change Reserve Field Record Record A Length Position Transaction Code (37A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Reserve - Building 12 35-46 Reserve - Contents 9 47-55 Reserve - ICC 7 56-62 Final Payment Indicator - Building 1 63 Final Payment Indicator - Contents 1 64 Final Payment Indicator - ICC 1 65 Reserved for NFIP Use 392 66-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-17 Revision 4 (10/1/01) Effective 5/1/00 40 Partial Payment Field Record Record A Length Position Transaction Code (40A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Payment Date 8 35-42 Building Claim Payment (ACV or RCV) 12 43-54 Final Payment Indicator - Building 1 55 Contents Claim Payment (ACV) 9 56-64 Final Payment Indicator - Contents 1 65 ICC Claim Payment 7 66-72 Final Payment Indicator - ICC 1 73 Reserved for NFIP Use 384 74-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-18 Revision 4 (10/1/01) Effective 5/1/00 43 Close Claim/Loss Field Record Record A Length Position Transaction Code (43A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Catastrophe Number 3 35-37 Cause of Loss 1 38 Water Depth – Relative to Main Building 3 39-41 Total Property Value - Main and Appurtenant (ACV) 10 42-51 Total Building Damages - Main and Appurtenant (ACV) 10 52-61 Total Damage to Contents - Main and Appurtenant (ACV) 7 62-68 Expense of Contents Removal 4 69-72 Total Expense of Temporary Flood Protection 4 73-76 Building Claim Payment (ACV or RCV) 12 77-88 Contents Claim Payment (ACV) 9 89-97 Payment Date 8 98-105 Replacement Cost Indicator 1 106 Claim/Loss Closed Date 8 107-114 Expense of Manufactured (Mobile) Home Removal 4 115-118 Claim Closed without Payment Reason – Building 2 119-120 Claim Closed without Payment Reason - Contents 2 121-122 Final Payment Indicator - Building 1 123 Final Payment Indicator - Contents 1 124 Total Property Value - Main and Appurtenant (RCV) 10 125-134 Total Building Damages - Main and Appurtenant (RCV) 10 135-144 Total Damage to Contents - Main and Appurtenant (RCV) 7 145-151 ICC Claim Payment 7 152-158 ICC Mitigation Indicator 1 159 ICC Claim Indicator 1 160 ICC Prior Date of Loss 8 161-168 ICC Property Value - Current 10 169-178 ICC Property Value - Prior 10 179-188 ICC Actual Expense 10 189-198 ICC Flood Damage Amount - Prior 10 199-208 Final Payment Indicator - ICC 1 209 Claim Closed Without Payment Reason - ICC 2 210-211 Coinsurance Claim Settlement Indicator 1 212 Reserved for NFIP Use 245 213-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-19 Revision 4 (10/1/01) Effective 5/1/00 Close Claim/Loss (Cont’d.) Field Record Record B Length Position Transaction Code (43B) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Foundation Type 2 35-36 Exterior Wall Structure Type 1 37 Exterior Wall Surface Treatment 1 38 Flood Characteristics 1 39 Factors Related to Cause of Loss 1 40 Duration of Flood Waters in Building 3 41-43 Alteration Date 8 44-51 Substantial Improvement Indicator 1 52 Duration Building Will Not Be Habitable 1 53 Property Value - Main (ACV) 10 54-63 Property Value - Appurtenant (ACV) 7 64-70 Damage - Main (ACV) 10 71-80 Damage - Appurtenant (ACV) 7 81-87 Damage to Contents - Main (ACV) 7 88-94 Damage to Contents - Appurtenant (ACV) 7 95-101 Deductible - Applicable to Building Claim Payment 1 102 Deductible - Applicable to Contents Claim Payment 1 103 Value of Building Items Subject to Policy Exclusions (ACV) 1 104 Value of Contents Subject to Policy Exclusions (ACV) 1 105 Building Damage Subject to Policy Exclusions (ACV) 1 106 Contents Damage Subject to Policy Exclusions (ACV) 1 107 Value of Contents (ACV) 7 108-114 Reserved for NFIP Use 343 115-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-20 Revision 4 (10/1/01) Effective 5/1/00 46 Close Claim/Loss Without Payment Field Record Record A Length Position Transaction Code (46A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Claim/Loss Closed Date 8 35-42 Claim Closed Without Payment Reason – Building 2 43-44 Claim Closed Without Payment Reason - Contents 2 45-46 Claim Closed Without Payment Reason - ICC 2 47-78 Reserved for NFIP Use 409 49-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-21 Revision 4 (10/1/01) Effective 5/1/00 49 Addition to Final Payment Field Record Record A Length Position Transaction Code (49A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Payment Date 8 35-42 Total Property Value - Main and Appurtenant (ACV) 10 43-52 Total Building Damages - Main and Appurtenant (ACV) 10 53-62 Total Damage to Contents - Main and Appurtenant (ACV) 7 63-69 Expense of Contents Removal 4 70-73 Total Expense of Temporary Flood Protection 4 74-77 Building Claim Payment (ACV or RCV) 12 78-89 Contents Claim Payment (ACV) 9 90-98 Replacement Cost Indicator 1 99 Claim/Loss Closed Date 8 100-107 Expense of Manufactured (Mobile) Home Removal 4 108-111 Claim Closed Without Payment Reason - Building 2 112-113 Claim Closed Without Payment Reason -2 114-115 Contents Total Property Value - Main and Appurtenant (RCV) 10 116-125 Total Building Damages - Main and Appurtenant (RCV) 10 126-135 Total Damage to Contents - Main and Appurtenant (RCV) 7 136-142 ICC Claim Payment 7 143-149 Claim Closed Without Payment Reason - ICC 2 150-151 Coinsurance Claim Settlement Indicator 1 152 Reserved for NFIP Use 305 153-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-22 Revision 4 (10/1/01) Effective 5/1/00 Addition to Final Payment (Cont’d.) Field Record Record B Length Position Transaction Code (49B) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Property Value - Main (ACV) 10 35-44 Property Value - Appurtenant (ACV) 7 45-51 Damage - Main (ACV) 10 52-61 Damage - Appurtenant (ACV) 7 62-68 Damage to Contents - Main (ACV) 7 69-75 Damage to Contents - Appurtenant (ACV) 7 76-82 Reserved for NFIP Use 375 83-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-23 Revision 4 (10/1/01) Effective 5/1/00 52 Recovery After Final Payment Field Record Record A Length Position Transaction Code (52A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Total Property Value - Main and Appurtenant (ACV) 10 35-44 Total Building Damages - Main and Appurtenant (ACV) 10 45-54 Total Damage to Contents - Main and Appurtenant (ACV) 7 55-61 Expense of Contents Removal 4 62-65 Total Expense of Temporary Flood Protection 4 66-69 Building Claim Payment Recovery 12 70-81 Contents Claim Payment Recovery 9 82-90 Payment Recovery Date 8 91-98 Replacement Cost Indicator 1 99 Actual Salvage Recovery 12 100-111 Subrogation 12 112-123 Actual Salvage Recovery Date 8 124-131 Subrogation Recovery Date 8 132-139 Claim/Loss Closed Date 8 140-147 Expense of Manufactured (Mobile) Home Removal 4 148-151 Total Property Value - Main and Appurtenant (RCV) 10 152-161 Total Building Damages - Main and Appurtenant (RCV) 10 162-171 Total Damage to Contents - Main and Appurtenant (RCV) 7 172-178 ICC Claim Payment Recovery 7 179-185 Coinsurance Claim Settlement Indicator 1 186 Reserved for NFIP Use 271 187-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-24 Revision 4 (10/1/01) Effective 5/1/00 Recovery After Final Payment (Cont’d.) Field Record Record B Length Position Transaction Code (52B) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Factors Related to Cause of Loss 1 Property Value - Main (ACV) 10 36-45 Property Value - Appurtenant (ACV) 7 46-52 Damage - Main (ACV) 10 53-62 Damage - Appurtenant (ACV) 7 63-69 Damage to Contents - Main (ACV) 7 70-76 Damage to Contents - Appurtenant (ACV) 7 77-83 Reserved for NFIP Use 374 84-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-25 Revision 4 (10/1/01) Effective 5/1/00 61 General Claim/Loss Correction Field Record Record A Length Position Transaction Code (61A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Catastrophe Number 3 35-37 Cause of Loss 1 38 Water Depth – Relative to Main Building 3 39-41 Total Property Value - Main and Appurtenant (ACV) 10 42-51 Total Building Damages - Main and Appurtenant (ACV) 10 52-61 Total Damage to Contents - Main and Appurtenant (ACV) 7 62-68 Expense of Contents Removal 4 69-72 Total Expense of Temporary Flood Protection 4 73-76 Reserve - Building 12 77-88 Reserve - Contents 9 89-97 Claim/Loss Closed Date 8 98-105 Claim Closed Without Payment Reason – Building 2 106-107 Replacement Cost Indicator 1 108 Expense of Manufactured (Mobile) Home Removal 4 109-112 Claim Closed Without Payment Reason – Contents 2 113-114 Claim/Loss Reopen Date 8 115-122 Final Payment Indicator - Building 1 123 Final Payment Indicator - Contents 1 124 Total Property Value - Main and Appurtenant (RCV) 10 125-134 Total Building Damages - Main and Appurtenant (RCV) 10 135-144 Total Damage to Contents - Main and Appurtenant (RCV) 7 145-151 ICC Mitigation Indicator 1 152 ICC Claim Indicator 1 153 ICC Prior Date of Loss 8 154-161 ICC Property Value - Current 10 162-171 ICC Property Value - Prior 10 172-181 ICC Actual Expense 10 182-191 ICC Flood Damage Amount - Prior 10 192-201 Final Payment Indicator - ICC 1 202 Claim Closed Without Payment Reason - ICC 2 203-204 Reserve - ICC 7 205-211 Coinsurance Claim Settlement Indicator 1 212 Reserved for NFIP Use 245 213-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-26 Revision 4 (10/1/01) Effective 5/1/00 General Claim/Loss Correction (Cont’d.) Field Record Record B Length Position Transaction Code (61B) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Foundation Type 2 35-36 Exterior Wall Structure Type 1 37 Exterior Wall Surface Treatment 1 38 Flood Characteristics 1 39 Factors Related to Cause of Loss 1 40 Duration of Flood Waters in Building 3 41-43 Alteration Date 8 44-51 Substantial Improvement Indicator 1 52 Duration Building Will Not Be Habitable 1 53 Property Value - Main (ACV) 10 54-63 Property Value - Appurtenant (ACV) 7 64-70 Damage - Main (ACV) 10 71-80 Damage - Appurtenant (ACV) 7 81-87 Damage to Contents - Main (ACV) 7 88-94 Damage to Contents - Appurtenant (ACV) 7 95-101 Deductible - Applicable to Building Claim Payment 1 102 Deductible - Applicable to Contents Claim Payment 1 103 Value of Building Items Subject to Policy Exclusions (ACV) 1 104 Value of Contents Subject to Policy Exclusions (ACV) 1 105 Building Damage Subject to Policy Exclusions (ACV) 1 106 Contents Damage Subject to Policy Exclusions (ACV) 1 107 Value of Contents (ACV) 7 108-114 Reserved for NFIP Use 343 115-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-27 Revision 4 (10/1/01) Effective 5/1/00 64 Claim Payment Correction Field Record Record A Length Position Transaction Code (64A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Payment Date 8 35-42 Building Claim Payment (ACV or RCV) 12 43-54 Contents Claim Payment (ACV) 9 55-63 Final Payment Indicator - Building 1 64 Final Payment Indicator - Contents 1 65 ICC Claim Payment 7 66-72 Final Payment Indicator - ICC 1 73 Reserved for NFIP Use 384 74-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-28 Revision 4 (10/1/01) Effective 5/1/00 67 Recovery Correction Field Record Record A Length Position Transaction Code (67A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Payment Recovery Date 8 35-42 Building Claim Payment Recovery 12 43-54 Contents Claim Payment Recovery 9 55-63 Actual Salvage Recovery Date 8 64-71 Actual Salvage Recovery 12 72-83 Subrogation Recovery Date 8 84-91 Subrogation 12 92-103 ICC Claim Payment Recovery 7 104-110 Reserved for NFIP Use 347 111-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-29 Revision 4 (10/1/01) Effective 5/1/00 71 Special Allocated Loss Adjustment Expense Field Record Record A Length Position Transaction Code (71A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Special Expense Date 8 35-42 Special Expense Type 1 43 Special Expense Amount 9 44-52 Reserved for NFIP Use 405 53-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 74 Special Allocated Loss Adjustment Expense Correction Field Record Record A Length Position Transaction Code (74A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Special Expense Date 8 35-42 Special Expense Type 1 43 Special Expense Amount 9 44-52 Reserved for NFIP Use 405 53-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-30 Revision 4 (10/1/01) Effective 5/1/00 81 Change Policy Number Key Field Record Record A Length Position Transaction Code (81A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Old Policy Number 10 17-26 New Policy Number 10 27-36 Reserved for NFIP Use 421 37-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 84 Change Date of Loss Key Field Record Record A Length Position Transaction Code (84A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Old Date of Loss 8 27-34 New Date of Loss 8 35-42 Reserved for NFIP Use 415 43-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 87 Change Claims Payment Date Key Field Record Record A Length Position Transaction Code (87A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Date of Loss 8 27-34 Old Payment Date 8 35-42 New Payment Date 8 43-50 Reserved for NFIP Use 407 51-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-31 Revision 4 (10/1/01) Effective 5/1/00 99 Lender Data (Expired Policy Notification) Field Record Record A Length Position Transaction Code (99A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 First Lender Name 30 27-56 First Lender Street Address 50 57-106 First Lender City 30 107-136 First Lender State 2 137-138 First Lender ZIP Code 9 139-147 First Lender Loan Number 15 148-162 Second Lender Name 30 163-192 Second Lender Street Address 50 193-242 Second Lender City 30 243-272 Second Lender State 2 273-274 Second Lender ZIP Code 9 275-283 Second Lender Loan Number 15 284-298 Reserved for NFIP Use 159 299-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-32 Revision 4 (10/1/01) Effective 5/1/00 PART 7 - INSTRUCTIONS FOR FORMATTING DATA ELEMENTS AND REVISING DATA ELEMENT VALUES TABLE OF CONTENTS Page INTRODUCTION................................................7-1 I. FORMATTING DATA ELEMENTS...............................7-1 II. REVISING DATA ELEMENT VALUES...........................7-1 III. LISTING OF DATA ELEMENTS WITH REPORTING SPECIFICATIONS.7-2 Part 7 7-i Revision 4 (10/1/01) Effective 6/1/97 PART 7 - INSTRUCTIONS FOR FORMATTING DATA ELEMENTS AND REVISING DATA ELEMENT VALUES INTRODUCTION This section lists each data element and provides specifications forits reporting format. I. FORMATTING DATA ELEMENTS This reporting format includes whether the element is areplacement or incremental value and whether it is a signedfield allowing for a negative number. The third column indicates whether dollars and cents, whole dollars, or hundredsof dollars are applicable formats for the money fields. The last column presents the picture expected for each element. In the picture column, numeric fields, indicated by a 9 or 9's, are right-justified and zero-filled. The number within the parentheses is the length of the field preceding the decimalposition. The V9 or V99 indicates an implied decimal position. For example, 123.45 with a picture of 9(7)V99 would berepresented as 000012345. Note that the field is zero-filled with four zeros because the numeric value is not large enoughto use up all of the required length. Alpha and alphanumeric fields, indicated by an X in the picturecolumn, are left-justified with trailing spaces. Zero, reported in numeric data elements, and blanks, reportedin alpha and alphanumeric data, indicate not reporting or notapplicable. The only exceptions to this rule are on a NewBusiness (11) transaction for the following data elements: • Elevation Difference: +999 • Lowest Floor Elevation: 9999.0 • Base Flood Elevation: 9999.0 • Lowest Adjacent Grade: 9999.0 On a New Business (11) transaction, zero indicates an actual elevation. II. REVISING DATA ELEMENT VALUES To change data element values already in the NFIP/WYO System toblank or zero, asterisk fill the appropriate field on thetransaction being submitted. "Asterisk fill" means that if a data element has a length of 'n,' then 'n' asterisks are to beplaced in the field. For example, if the data elementCommunity Identification Number: X(6) = 012345 is changed toblank or zero, the picture would be represented as ******. This feature is not allowed on New Business (11) and OpenClaim/Loss-Reserve (31) transactions. Part 7 7-1 Revision 4 (10/1/01) Change 9 Effective 5/1/06 III. LISTING OF DATA ELEMENTS WITH REPORTING SPECIFICATIONS $¢4 R1 $5 Data Element I2 S3 $/1006 Picture Actual Salvage RecoveryActual Salvage Recovery DateAdditional Building Rate WYOAdditional Contents Rate WYO Alteration Date Base Flood Elevation (BFE)Basement/Enclosure TypeBasic Building Rate WYOBasic Contents Rate WYO Bldg. Claim Payment (ACV or RCV)Bldg. Claim Payment RecoveryBldg. Damage Subject to PolicyExclusions (ACV) Bldg. in Course of ConstructionIndicator Cancellation/Voidance ReasonCatastrophe NumberCause of Loss Claim/Loss Closed DateClaim/Loss Reopen DateClaim Closed w/o Pymt. Reason - Bldg.Claim Closed w/o Pymt. Reason - Cont.Claim Closed w/o Pymt. Reason – ICCCoinsurance Claim Settlement Indicator Community Identification NumberCondominium Indicator Condominium Master Policy UnitsContents Claim Payment (ACV)Contents Claim Payment RecoveryContents Damage Subj. to PolicyExclusions (ACV)Coverage Req. for Disaster AssistanceCRS Classification Credit PercentageDamage - Appurtenant (ACV)Damage - Main (ACV)Damage to Contents - Appurtenant (ACV)Damage to Contents - Main (ACV)Date of Loss Deductible - App. to Bldg. Claim Pymt.Deductible - App. to Cont. Claim Pymt.Deductible – BuildingDeductible – Contents Deductible Percentage WYODiagram NumberDuration Bldg. Will Not Be HabitableDuration of Flood Waters in Bldg.Elevated Bldg. IndicatorElevation Certificate Indicator Elevation Certification Date Elevation Difference Endorsement Effective Date Endorsement Premium Amount I S R -R -R -R -R S R -R -R -I S I S R - R -R -R -R -R -R -R -R -R -R -R -R -R -I S I S R -R -R -R -R -R -R -Key -R -R -R -R -R -R -R -R -R -R -R -R S R -I S $¢ --- ----- $¢ $¢ - ------ -- -----$¢ $¢ ---$ $ $ $ --- -- ---------$ 9(10)V999(8)YYYYMMDD9(2)V9999(2)V9999(8)YYYYMMDDS9(5)V9X 9(2)V9999(2)V999S9(10)V99S9(10)V99 X X XX 9(3)X 9(8)YYYYMMDD9(8)YYYYMMDDXX XX XX X X(6)X 9(3)S9(7)V99S9(7)V99 X X 9(2)9(7)9(10)9(7)9(7)9(8)YYYYMMDDX X X X 9V999 X X 9(3) HoursX X 9(8)YYYYMMDDS9(4)9(8)YYYYMMDDS9(7) 1R2I3S4$¢5$6$/100 -Replacement Value -Incremental Value -Signed Data Element-Dollars and Cents -Whole Dollars -Hundreds of Dollars Part 7 7-2 Revision 4 (10/1/01) Effective 5/1/00 III. LISTING OF DATA ELEMENTS WITH REPORTING SPECIFICATIONS (Cont’d.) $¢4 R1 $5 Data Element I2 S3 $/1006 Picture Expense Constant R -$ 9(3) Expense of Contents Removal R -$ 9(4)Expense of Manufactured (Mobile) Home Removal R -$ 9(4) Exterior Wall Structure Type R --X Exterior Wall Surface Treatment R --X Factors Related to Cause of Loss R --X Federal Policy Fee I S $ S9(3) Federal Policy Fee - Refunded I S $¢ S9(3)V99Final Payment Indicator - Bldg. R --X Final Payment Indicator - Cont. R --X Final Payment Indicator - ICC R --X First Lender City R --X(30) First Lender Loan Number R --X(15) First Lender Name R --X(30) First Lender State R --X(2) First Lender Street Address R --X(50) First Lender ZIP Code R --9(9) Flood Characteristics R --X Flood Risk Zone R --X(3) Floodproofed Indicator R --X Foundation Type R --XX ICC Actual Expense R --9(10) ICC Claim Indicator R --X ICC Claim Payment I S $¢ S9(5)V99ICC Claim Payment Recovery I S $¢ S9(5)V99ICC Flood Damage Amount - Prior R --9(10) ICC Mitigation Indicator R --X ICC Premium WYO R -$ 9(3) ICC Prior Date of Loss R --9(8)YYYYMMDDICC Property Value - Current R --9(10) ICC Property Value - Prior R --9(10) Insurance to Value Ratio Indicator R --X Insured First Name R --X(25) Insured Last Name R --X(25) Location of Contents Indicator R --X Lowest Adjacent Grade R S -S9(5)V9Lowest Floor Elevation R S -S9(5)V9Mailing City R --X(30) Mailing State R --X(2) Mailing Street Address R --X(50) Mailing ZIP Code R --9(9) Map Panel Number R --X(4) Map Panel Suffix R --X Name Format Indicator R --X 1R -Replacement Value 2I -Incremental Value 3S -Signed Data Element4$¢ -Dollars and Cents 5$ -Whole Dollars 6$/100 -Hundreds of Dollars Part 7 7-3 Revision 4 (10/1/01) Change 8 Effective 10/1/05 III. LISTING OF DATA ELEMENTS WITH REPORTING SPECIFICATIONS (Cont’d.) $¢4 R1 $5 Data Element I2 S3 $/1006 Picture Name or Descriptive Information Indicator R --X New Date of Loss Key --9(8)YYYYMMDDNew Payment Date Key --9(8)YYYYMMDDNew Policy Number Key --X(10) New/Rollover Indicator R --X Number of Floors (Including Basement)/ Building Type R --X Obstruction Type R --XX Occupancy Type R --X Old Date of Loss Key --9(8)YYYYMMDDOld Payment Date Key --9(8)YYYYMMDDOld Policy Number Key --X(10) Orig. Const. Date/Substant. Improv. Date R --9(8)YYYYMMDDOriginal Submission Month Key --9(6)YYYYMMPayment Date Key --9(8)YYYYMMDDPayment Recovery Date R --9(8)YYYYMMDDPolicy Effective Date R --9(8)YYYYMMDDPolicy Expiration Date R --9(8)YYYYMMDDPolicy Number Key --X(10) Policy Term Indicator R --X Policy Termination Date R --9(8)YYYYMMDDPost-FIRM Construction Indicator R --X Premium Payment Indicator R --X Principal Residence Indicator R --X Probation Surcharge Amount WYO R -$ 9(3) Property Beginning Street Number R --X(10) Property City R --X(30) Property State R --X(2) Property Street Address R --X(50) Property Value - Appurtenant (ACV) R -$ 9(7) Property Value - Main (ACV) R -$ 9(10) Property ZIP Code R --9(9) Regular/Emergency Program Indicator R --X Reinstatement Federal Policy Fee I S $¢ S9(3)V99Reinstatement Premium I S $¢ S9(7)V99Rejected Transaction Control Number Key --9(6) Repetitive Loss ID Number R --9(7) Repetitive Loss Target Group Indicator R --X Replacement Cost R --9(10) Replacement Cost Indicator R --X Reserve – Building R -$¢ 9(10)V99Reserve – Contents R -$¢ 9(7)V99Reserve - ICC R -$¢ 9(5)V99Risk Rating Method R --X Second Lender City R --X(30) 1R -Replacement Value 2I -Incremental Value 3S -Signed Data Element 4$¢ -Dollars and Cents 5$ -Whole Dollars 6$/100 -Hundreds of Dollars Part 7 7-4 Revision 4 (10/1/01) Change 8 Effective 10/1/05 III. LISTING OF DATA ELEMENTS WITH REPORTING SPECIFICATIONS (Cont’d.) $¢4 R1 $5 Data Element I2 S3 $/1006 Picture Second Lender Loan Number R --X(15) Second Lender Name R --X(30) Second Lender State R --X(2) Second Lender Street Address R --X(50) Second Lender ZIP Code R --9(9) Sort Sequence Key Key --X Special Expense Amount I S $¢ S9(7)V99Special Expense Date R --9(8)YYYYMMDDSpecial Expense Type R --X State-Owned Property R --X Subrogation I S $¢ S9(10)V99Subrogation Recovery Date R --9(8)YYYYMMDDSubstantial Improvement Indicator R --X Tax Identification Number R --X(9) Total Amt. of Insurance – Building R -$/100 9(8) Total Amt. of Insurance – Contents R -$/100 9(5) Total Bldg. Damages - Main andAppurtenant (ACV) R -$ 9(10) Total Bldg. Damages - Main andAppurtenant (RCV) R -$ 9(10) Total Calculated Premium R S $ S9(7) Total Damage to Contents - Main andAppurtenant (ACV) R -$ 9(7) Total Damage to Contents - Main andAppurtenant (RCV) R -$ 9(7) Total Expense of Temp. Flood Protection R -$ 9(4) Total Premium Refund I S $¢ S9(7)V99Total Property Value - Main andAppurtenant (ACV) R -$ 9(10) Total Property Value - Main andAppurtenant (RCV) R -$ 9(10) Value of Bldg. Items Subj. to Pol. Exclusions (ACV) R --X Value of Contents (ACV) R -$ 9(7) Value of Contents Subj. to Pol. Exclusions (ACV) R --X Water Depth - Relative to Main Bldg. R S -S9(3) WYO Prefix Code Key --9(5) WYO Transaction Code Key --X(3) WYO Transaction Date R --9(8)YYYYMMDD1981 Post-FIRM V Zone Certification Indicator R --X 1R -Replacement Value 2I -Incremental Value 3S -Signed Data Element4$¢ -Dollars and Cents 5$ -Whole Dollars 6$/100 -Hundreds of Dollars Part 7 7-5 Revision 4 (10/1/01) Change 8 Effective 10/1/05 PART 8 - MONTHLY PROCESSING OF TRRP PLAN DATA TABLE OF CONTENTS Page INTRODUCTION................................................8-1 I. TRANSITION RULE........................................8-1 II. MONTHLY REPORTING REQUIREMENTS.........................8-1 A. Financial Statements..............................8-1 B. TRRP Plan Data....................................8-1 C. Data and Data Transmittal Documents...............8-1 D. Financial Reconciliation Forms and Certification Statement...........................8-2 E. WYO Vendors.......................................8-2 F. Reporting Cycle Depicted..........................8-2 III. INSTRUCTIONS FOR FILE TRANSFER PROTOCOL (FTP) TRANSACTION PROCESSING.................................8-3 A. Statistical File Naming Standards.................8-3 B. Reject File Naming Standards......................8-4 C. Transmittal Document Naming Standards.............8-4 IV. INSTRUCTIONS FOR INTERNET TRANSACTION PROCESSING.......8-5 V. DATA TRANSMITTAL DOCUMENTS.............................8-5 Part 8 8-i Revision 4 (10/1/01) Change 3 Effective 10/1/02 PART 8 - MONTHLY PROCESSING OF TRRP PLAN DATA LIST OF EXHIBITS Exhibit Page 8-1 Monthly Reconciliation – Net Written Premiums..... 8-6 8-2 Monthly Reconciliation - Net Federal Policy Fees.. 8-7 8-3 Monthly Reconciliation – Net Paid Losses...........8-88-4 Monthly Reconciliation – Special Allocated LAE.....8-9 8-5 Monthly Reconciliation – Case Loss Reserve.........8-10 Part 8 8-ii Revision 4 (10/1/01) Change 3 Effective 10/1/02 PART 8 - MONTHLY PROCESSING OF TRRP PLAN DATA INTRODUCTION This section provides instructions for the submission of monthlydata by both the WYO companies and WYO vendors. This includes: • Monthly Reporting Requirements • FTP Transaction Processing • Internet Transaction Processing • Data Transmittal Documents I. TRANSITION RULE Whenever new or revised TRRP Plan reporting requirements areintroduced, transition rules will be provided. The rules will instruct companies how the changes are to be phased infor policy effective dates, dates of loss and/or processingdates, allowing time for system modifications. II. MONTHLY REPORTING REQUIREMENTS A. Financial Statements Each WYO Company will be required to submit financialdata on a monthly basis, utilizing the specifiedstatement formats distributed to each WYO Company. These statements must be received by the NFIP Bureauand Statistical Agent no later than the last businessday of the calendar month following each month'sclosing. B. TRRP Plan Data Each WYO Company will be required to submit on amonthly basis the transaction data described in theTRRP Plan via the Internet or FTP. The transaction data should be received by the NFIPBureau and Statistical Agent on or before 12:00 noon ofthe 21st day of the calendar month following eachmonth's closing. If the transaction data cannot be delivered by this date, please consult with your WYOProgram Coordinator to determine an acceptablesubmission date. C. Data and Data Transmittal Documents Each WYO Company will submit the transaction data andtransmittal documents with at least the transaction information on the right side filled in. One copy ofeach of these forms must accompany the FTP or Internettransmission and one copy is to be sent to WYOAccounting. Those sent to WYO Accounting may either befilled out with only the transaction information andsent as additional exhibits to those for Net Written Premiums, Federal Policy Fee, Net Paid Losses, and Part 8 8-1 Revision 4 (10/1/01) Change 7 Effective 5/1/05 Special Allocated Loss Adjustment Expenses, or may beentirely filled out with financial and transactioninformation and sent as the completed monthlyreconciliation report. D. Financial Reconciliation Forms and Certification Statement The Financial Reconciliation forms and the Certification Statement, as required by the FinancialControl Plan, must be received no later than the lastbusiness day of the calendar month following eachmonth's closing. E. WYO Vendors WYO Vendors submitting more than one company's datamust submit the Monthly Reconciliation exhibits foreach WYO company. Additionally, the transactioninformation on the right side of the MonthlyReconciliation exhibits must be submitted with cumulative information for all companies. F. Reporting Cycle Depicted ! ! ! ! ! ! ! ! ! ! May 31 ! / / / / / / June 30 ! / / / / / / End of Processing Month 1) Financial Statement 2) TRRP Plan Data Transmission 3) Data Transmittal Document 4) Financial Reconciliation Form 5) Certification Statement Part 8 8-2 Revision 4 (10/1/01) Change 3 Effective 10/1/02 III. INSTRUCTIONS FOR FILE TRANSFER PROTOCOL (FTP) TRANSACTIONPROCESSING An electronic data transfer system, FTP, is available forWYO companies to submit the monthly TRRP transactions. The FTP can be accessed at bureau.nfipstat.com. The directoryis users/coxxxxx/stat, where xxxxx is the company/vendorNAIC Code. Note: Upper case is the preferred usage for the stated filenames below, including the file extension. A. Statistical File Naming Standards FCCCCCX.MMMYY.DAT where: F = capital letter F to indicate “Front-end File” CCCCC = company/vendor NAIC Code (5-digit numeric) X = file sequence indicator (1-characteralphabetic, capitalized), as A=1st, B=2nd, etc. MMM = data processing month (alpha monthabbreviation), as MAR=March YY = processing year (2-digit numeric), as 01=2001 DAT = file name extension All statistical files must be accompanied by atransmittal document (see paragraph C below). In addition, statistical files must be “zipped” (compressed) using WINZIP or PKZIP and named exactlythe same as the internal file, except with a .ZIP filename extension: FCCCCCX.MMMYY.ZIP = front-end zip file. If you have any questions, contact your ProgramCoordinator. Part 8 8-3 Revision 4 (10/1/01) Change 4 Effective 5/1/03 B. Reject File Naming Standards RCCCCCX.MMMYY.DAT where: R = capital letter R to indicate “Reject File” CCCCC = company/vendor NAIC Code (5-digit numeric) X = file sequence indicator (1-characteralphabetic, capitalized), as A=1st, B=2nd, etc. MMM = data processing month (alpha month abbreviation), as MAR=March YY = processing year (2-digit numeric), as 01=2001 DAT = file name extension All reject files must be accompanied by a transmittaldocument (see paragraph C below). In addition, rejectfiles must be “zipped” (compressed) using WINZIP orPKZIP and named exactly the same as the internal file, except with a .ZIP file name extension: RCCCCCX.MMMYY.ZIP = reject zip file. If you have anyquestions, contact your Program Coordinator. C. Transmittal Document Naming Standards TCCCCCX.MMMYY.TXT where: T = capital letter T to indicate “Transmittal File” CCCCC = company/vendor NAIC Code (5-digit numeric) X = file sequence indicator (1-character alphabetic, capitalized), as A=1st, B=2nd, etc. MMM = data processing month (alpha month abbreviation), as MAR=March YY = processing year (2-digit numeric), as 01=2001 TXT = file name extension A separate transmittal document must accompany eachstatistical file and each reject file. The transmittal document is uncompressed (i.e., not “zipped”). If youhave any questions, contact your Program Coordinator. Note: Upper case is the preferred usage for the statedfile names above, including the file extension. Part 8 8-4 Revision 4 (10/1/01) Change 4 Effective 5/1/03 IV. INSTRUCTIONS FOR INTERNET TRANSACTION PROCESSING Internet e-mail submission is used as a backup method, inthe event that FTP is not available. When submitting dataover the internet via e-mail, the following steps must beused. • Standard file name • Compressed files • Reconciliation statements for each file. The standard file name must follow the convention outlined below: XXXXXMMM.ZIP XXXXX = Company NAIC Number MMM = Processing Month e.g., 12345DEC.ZIP, represents XYZ Insurance Company's data, in a compressed format. All files must be submitted to the designated e-mailaddress, PSCRequest@nfipstat.com. You must also notifyyour Program Coordinator if you choose this option. V. DATA TRANSMITTAL DOCUMENTS The following documents must accompany each monthlytransaction data transmission. 1 - Monthly Reconciliation - Net Written Premiums 2 - Monthly Reconciliation - Net Federal Policy Fees 3 - Monthly Reconciliation – Net Paid Losses 4 - Monthly Reconciliation - Special Allocated LAE 5 - Monthly Reconciliation – Case Loss Reserve Samples are provided on the following pages. Part 8 8-5 Revision 4 (10/1/01) Change 4 Effective 5/1/03 V. DATA TRANSMITTAL DOCUMENTS (Cont’d.) MONTHLY RECONCILIATION – NET WRITTEN PREMIUMS COMPANY NAME CO. NAIC NUMBER MONTH/YEAR ENDING DATE SUBMITTED PREPARER’S NAME TELEPHONE NO. MONTHLY FINANCIAL REPORT MONTHLY STATISTICAL TRANSACTION REPORT NET WRITTEN TRANS. RECORD PREMIUM PREMIUMS: $ CODE COUNT AMOUNT (INCOME STATEMENT - Line 100) 11 15 $ UNPROCESSED STATISTICAL: 17 20 (+) PRIOR MONTH’S (-) CURRENT MONTH’S OTHER – EXPLAIN: (1) (2) 23 26 29 14 AND 81 99 12 TOTAL: COMMENTS: $ TOTAL: * (ADD 11 THROUGH 23 LESS 26 AND 29) $ * EXHIBIT 8-1. Monthly Reconciliation – Net Written Premiums Part 8 8-6 Revision 4 (10/1/01) Change 8 Effective 10/1/05 V. DATA TRANSMITTAL DOCUMENTS (Cont’d.) MONTHLY RECONCILIATION – NET FEDERAL POLICY FEES COMPANY NAME CO. NAIC NUMBER MONTH/YEAR ENDING DATE SUBMITTED MONTHLY FINANCIAL REPORT MONTHLY STATISTICAL TRANSACTION REPORT NET FEDERAL POLICY FEES: $ TRANS. CODE RECORD COUNT FEE AMOUNT (INCOME STATEMENT - Line 170) 11 15 $ UNPROCESSED STATISTICAL: 17 20 (+) PRIOR MONTH’S (-) CURRENT MONTH’S OTHER – EXPLAIN: 23 26 (1) (2) 29 TOTAL: COMMENTS: $ TOTAL: * (ADD 11 THROUGH 23 LESS 26 AND 29) $ * EXHIBIT 8-2. Monthly Reconciliation – Net Federal Policy Fees Part 8 8-7 Revision 4 (10/1/01) Change 3 Effective 10/1/02 V. DATA TRANSMITTAL DOCUMENTS (Cont’d.) MONTHLY RECONCILIATION - NET PAID LOSSES COMPANY NAME CO. NAIC NUMBER MONTH/YEAR ENDING DATE SUBMITTED 100 NET PAID LOSSES $ TRANS. CODE RECORD COUNT LOSS/PAID RECOVERIE S (INCOME STATEMENT – Line 115) UNPROCESSED STATISTICAL: 31 $ 140 (+) PRIOR MONTH’S 34 37 150 (-) CURRENT MONTH’S 40 160 SALVAGE NOT TO BE RE- PORTED, BY TRANSACTION (EXPLAIN) 43 170 OTHER – EXPLAIN: 46 AND 61 (1) 49 (2) 64 84 AND 87 52 RECOVERY SALVAGE SUBROGATION 67 RECOVERY SALVAGE SUBROGATION TOTAL: $ TOTAL: $ * (SUM OF Lines 100, 140, 160, AND 170 LESS 150) *(ADD 31, 34, 40 THROUGH 64, LESS 52 AND 67) COMMENTS: EXHIBIT 8-3. Monthly Reconciliation – Net Paid Losses Part 8 8-8 Revision 4 (10/1/01) Change 3 Effective 10/1/02 V. DATA TRANSMITTAL DOCUMENTS (Cont’d.) MONTHLY RECONCILIATION - SPECIAL ALLOCATED LAE COMPANY NAME CO. NAIC NUMBER MONTH/YEAR ENDING DATE SUBMITTED MONTHLY FINANCIAL REPORT MONTHLY STATISTICAL TRANSACTION REPORT SPECIAL ALLOCATED LOSS ADJUSTMENT EXPENSES $ (OTHER LOSS ANDLAE CALC. – Line 655) TRANS. CODE 71 RECORD COUNT SALAE AMOUNTS$ 74 UNPROCESSED STATISTICAL: (+) PRIOR MONTH’S(-) CURRENT MONTH’S OTHER – EXPLAIN: (1) (2) TOTAL: $ TOTAL: $ COMMENTS: EXHIBIT 8-4. Monthly Reconciliation – Special Allocated LAE Part 8 8-9 Revision 4 (10/1/01) Change 3 Effective 10/1/02 DATA TRANSMITTAL DOCUMENTS (Cont’d.) V. MONTHLY RECONCILIATION - CASE LOSS RESERVE COMPANY NAME CO. NAIC NUMBER MONTH/YEAR ENDING DATE SUBMITTED NUMBER OF OPEN CLAIM CASES WITH RESERVES TOTAL AMOUNT OF RESERVES (BALANCE SHEETITEMS – Line 325 $ CURRENT MONTH COLUMN) EXHIBIT 8-5. Monthly Reconciliation – Case Loss Reserve Part 8 8-10 Revision 4 (10/1/01) Change 3 Effective 10/1/02 PART 9 - DATA SUBMISSION MONITORING TABLE OF CONTENTS Page INTRODUCTION................................................ 9-1 I. ERRORS IN POLICY RECORDS ON THE NFIP/WYO SYSTEM....... 9-1 A. Uncorrected Critical Errors....................... 9-1 B. Error Rates....................................... 9-1 C. Date Used To Note an Error........................ 9-2 D. Continued Notation for Being Out of Tolerance..... 9-2 E. Policy Terms Applicable for DeterminingPerformance....................................... 9-2 II. ERRORS IN LOSS RECORDS................................ 9-2 A. Uncorrected Critical Errors....................... 9-2 B. Error Rates....................................... 9-2 C. Date Used To Note an Error........................ 9-3 D. Continued Notation for Being Out of Tolerance..... 9-3 E. Loss Records Applicable for DeterminingPerformance....................................... 9-3 III. REJECTED TRANSACTIONS................................. 9-3 A. Critical Rejected Transactions.................... 9-3 B. Date of Rejected Transaction...................... 9-3 C. Assignment of Submission Month and Reject ControlNumber............................................ 9-4 D. Continued Notation of Rejected Transactions....... 9-4 IV. DATA SUBMISSIONS...................................... 9-4 A. Late Data Submission.............................. 9-4 B. Front-End Balancing Rejection..................... 9-4 V. APPEALS OF PERFORMANCE ASSESSMENT..................... 9-4 A. WYO Standards Committee........................... 9-4 B. Adjustments Due to Special Circumstances.......... 9-4 VI. NOTIFICATION TO COMPANIES............................. 9-5 A. Level I Letter.................................... 9-5 B. Level II Letter................................... 9-5 C. Level III Letter.................................. 9-5 D. Meeting With WYO Standards Committee.............. 9-6 E. Overall Data Quality.............................. 9-6 Part 9 9-i Revision 4 (10/1/01) Effective 1/1/93 PART 9 - DATA SUBMISSION MONITORING INTRODUCTION Monthly reports and letters to the Principal Coordinator, orpossibly to a higher company executive level, are used to focusmanagement attention, when required, on the quality and timelinessof reported data. The WYO Standards Committee reviews companyperformance and the operation of the data submission monitoringsystem, and makes recommendations to the Federal Insurance andMitigation Administrator regarding company appeals, furtherdevelopment of the system, and actions that may be necessary toensure compliance with reporting requirements. This section provides details on the actions that will be takenwhen errors on policy and loss records exceed tolerance levels, transactions are rejected, data are submitted late, or the datasubmission fails front-end balancing. Additionally, information isprovided on submitting appeals to adjust notations of poorperformance. I. ERRORS IN POLICY RECORDS ON THE NFIP/WYO SYSTEM A. Uncorrected Critical Errors Performance will be assessed based on critical errors that are uncorrected 6 months after they are noted on theNFIP/WYO System. Substandard performance will be basedon the number of policy records with critical errorsexceeding an error tolerance level of 5 percent. Forexample, if there are 100 policy records and 10 of themeach contains at least 1 critical error that is 6 months old, then there would be 5 records in excess of toleranceand performance would be considered deficient. Theinformation pertaining to errors and error dates isprovided to WYO companies each month via magnetic tapeand the File Transfer Protocol (FTP) site. B. Error Rates The error rates for the purpose of data submissionmonitoring are determined by categories of policy recordsgrouped by month based on the effective dates of thepolicy terms. For example, an error rate is computed forall policy terms effective in January 1992. Althoughpolicy term records are being grouped in these monthlycategories, the date that begins the 6-month countdown isthe date that the error is noted on the record, not theeffective date of the policy term. For example, if apolicy term record with an effective date in June 1992, has an error created by a transaction against that recordin February 1993, then that record is not potentially Part 9 9-1 Revision 4 (10/1/01) Change 6 Effective 5/1/04 counted against performance until the record is examinedas of August 1993. C. Date Used To Note an Error The date that is used to note an error on the policyrecord is, by convention, the last day of the month forwhich the data was submitted. For example, errorscreated while processing March data submitted to the NFIPby the end of April are noted with a date of March 31. These errors are potentially counted against performanceafter the processing of the September data submitted tothe NFIP by the end of October. D. Continued Notation for Being Out of Tolerance A policy record category will continue to be noted asbeing out of tolerance each month until such time as thatcategory is corrected to within the tolerance level. E. Policy Terms Applicable for Determining Performance If there are categories of policy terms (or years in thecase of 3-year policies) for which errors have beenforgiven, then those categories will not be used in theassessment of performance even if a transaction isprocessed against those terms (or years) after theforgiveness was granted. II. ERRORS IN LOSS RECORDS A. Uncorrected Critical Errors Performance will be assessed based on critical errors that are uncorrected 6 months after they are noted on theNFIP/WYO System. Substandard performance will be based onthe number of loss records with critical errors exceedingan error tolerance level of 2 percent. The informationpertaining to errors and error dates is provided to WYOcompanies each month via FTP. B. Error Rates The error rates for the purpose of data submissionmonitoring are determined by categories of loss recordsgrouped by month based on the dates of loss. For example, an error rate is computed for all loss recordswith dates of loss in January 1992. Although lossrecords are being grouped in these monthly categories, the date that begins the 6-month countdown is the datethat the error is noted on the record, not the date ofloss. For example, if a loss record with a date of lossin June 1992, has an error created by a transactionagainst that record in February 1993, then Part 9 9-2 Revision 4 (10/1/01) Change 6 Effective 5/1/04 that record is not potentially counted againstperformance until the record is examined as of August1993. C. Date Used To Note an Error The date that is used to note an error on the loss record is, by convention, the last day of the month for whichthe data was submitted. For example, errors createdwhile processing March data submitted to the NFIP by theend of April are noted with a date of March 31. These errors are potentially counted against performance afterthe processing of the September data submitted to theNFIP by the end of October. D. Continued Notation for Being Out of Tolerance A loss record category will continue to be noted as beingout of tolerance each month until such time as that category is corrected to within the tolerance level. E. Loss Records Applicable for Determining Performance If there are categories of loss records for which errorshave been forgiven, then those categories will not beused in the assessment of performance even if atransaction is processed against those records after theforgiveness was granted. III.REJECTED TRANSACTIONS A. Critical Rejected Transactions Performance will be assessed based on all critical rejected transactions that remain unrectified on theNFIP/WYO System Reject Master File after 6 months. Since critical rejects have premium, loss payments, or otherexpenses associated with them, there is no tolerancelevel and all must be rectified to resolve the imbalance between the TRRP Plan and financial reports. Information pertaining to rejected transactions and the associateddates is provided to WYO companies each month via FTP. B. Date of Rejected Transaction The date that is used to identify a rejected transactionis, by convention, the last day of the month for whichthe data was submitted. For example, transactionsrejected while processing March data submitted to theNFIP by the end of April are noted with a date of March 31. These rejects are potentially counted againstperformance after the processing of the September datasubmitted to the NFIP by the end of October. Part 9 9-3 Revision 4 (10/1/01) Change 6 Effective 5/1/04 C. Assignment of Submission Month and Reject ControlNumber Transactions that are rejected multiple times willretain the originally assigned Original SubmissionMonth and Reject Control Number. D. Continued Notation of Rejected Transactions A monthly category of rejected transactions willcontinue to be noted as long as there are criticalrejected transactions in that category that remainunrectified for 6 months or longer. IV. DATA SUBMISSIONS A. Late Data Submission A data submission will be considered late if it is received 1 day past the due date. In the case of transmissions containing multiple company submissions, each company will be notified of the performanceproblem. If a submission is received by the due date, but is unreadable because of damage, then a graceperiod of 1 business day from notification of thisproblem, to the sender, will be allowed for thesubmission of a replacement before performance isassessed. B. Front-End Balancing Rejection A company will be cited for substandard performance ifa submission must be rejected because of failing front- end balancing. In the case of transmissions containingmultiple company submissions, this problem will becharged to the company whose data caused the failure. V. APPEALS OF PERFORMANCE ASSESSMENT A. WYO Standards Committee A company may appeal to the WYO Standards Committeethat an error condition has been corrected as much as possible, although not to the tolerance level. The Committee will review the circumstances in order to make a recommendation regarding the waiver of thereporting requirement. Appeals must be made in writingand submitted through the company's WYO ProgramCoordinator. B. Adjustments Due to Special Circumstances The WYO Services Department of the NFIP will be able tomake adjustments to performance notification letters inorder to handle cases where extenuating circumstances Part 9 9-4 Revision 4 (10/1/01) Effective 1/1/93 warrant special consideration or where NFIP/WYO Systemedits have been called into question. If an edit is called into question and investigation proves that theedit is faulty, error codes based on situations wherethe edit is performing incorrectly will be removed fromthe file and will not be counted. If the investigationproves that the edit is performing correctly, then theerrors will be counted using the original error dates. Information about edits and conditions for which there may be a problem will be provided to the companies. If an edit must be corrected, the affected records will bere-edited and any errors detected in these re-editedrecords will be assigned current dates that restart the6-month clock. VI. NOTIFICATION TO COMPANIES A. Level I Letter The WYO Company Principal Coordinator (PC) will beapprised monthly of the assessment of data submissionperformance. If a company exceeds the establishedtolerances or other performance requirements for anyparticular month, then a Level I letter will be sent tothe PC. This letter will identify the deficientcategories and will accompany the reports that providethe editing results. B. Level II Letter The Principal Coordinators of companies withsubstandard performance noted in a particular category(e.g., policy terms with effective dates in January1992) for 3 consecutive months, will be sent a Level IIletter, unless individual circumstances warrantotherwise. This letter will require that a writtenplan of action be submitted outlining the initiativesbeing taken to improve data submission or anexplanation of why deficiencies cannot be corrected. The plan must include a date commitment for correctingperformance to within tolerance and must be submittedto the WYO Program Coordinator within 1 month of thewritten request. The plan or explanation will bereviewed for acceptance by FIMA. C. Level III Letter Results of a company's initiatives in accordance withits plan will be reviewed by FIMA and the WYO StandardsCommittee for improvements in reporting performance. Those companies that do not respond with and carry outan acceptable plan, or continue to experiencerepetitive problems, will be sent a Level III letter, unless individual circumstances warrant otherwise. A Level III letter will be sent to the Principal Part 9 9-5 Revision 4 (10/1/01) Effective 1/1/93 Coordinator with a copy to a higher corporate levelthat is appropriate for the company size and structure. For example, this higher level might be a CEO for asmall company, whereas it might be a Sr. Vice Presidentin a large company. Required action will depend onindividual circumstances, but in all of these cases, the WYO Standards Committee will be involved in the review of the company's performance and in thedevelopment of recommended actions. D. Meeting With WYO Standards Committee If reporting deficiencies remain unresolved, then acompany may be requested to send an appropriateexecutive level representative to discuss the matterwith the WYO Standards Committee. Before the Committee makes any recommendation to the Administrator thatmight affect a company's participation in the WYOProgram, such a meeting opportunity will be provided. E. Overall Data Quality There is a recognition that the monitoring of datasubmission quality by monthly categories may notprovide a true perspective on a company's overallperformance. Therefore, company performance overlonger time periods will also be assessed and reportedto the WYO Standards Committee. FIMA will initiate discussions with companies experiencing overall dataquality problems. Also, an overall assessment thatshows generally good performance can be used tomitigate the need for actions beyond Level I letters. The assessment of overall data reporting performancewill include consideration of at least the following: • The existence or absence of any chronic reportingproblems such as consistent need for issuingLevel I letters, • The percentage points and the number of recordsover tolerance, and the number of categories outof tolerance, • The level of correction efforts, • Overall error rates associated with a company'sentire NFIP/WYO data base, and • The size of financial variances created byrejected transactions. Part 9 9-6 Revision 4 (10/1/01) Effective 1/1/93 PART 10 - NFIP/WYO SYSTEM ARCHIVING TABLE OF CONTENTS Page INTRODUCTION............................................... 10-1 I. POLICY MASTER FILE................................... 10-1 A. Criteria......................................... 10-1 B. Exceptions....................................... 10-2 C. Data Retrieval Procedures........................ 10-2 II. REJECT MASTER FILE................................... 10-3 A. Identification of Critical Rejected Transactionson Archived Policy Records....................... 10-3 B. Detailed Report of Uncorrected Critical RejectedTransactions on Archived Policy Records.......... 10-3 C. Correction Transactions to Remove Entries from the Reject Master File........................... 10-4 III. PROCEDURES TO BACK OUT A CLAIM TRANSACTION........... 10-5 IV. PROCEDURES TO BACK OUT A CLAIM AND RESTORE CLAIM HISTORY UNDER A NEW POLICY NUMBER ................... 10-5 V. PROCEDURES TO BACK OUT AN ENDORSEMENT TRANSACTION ... 10-6 VI. PROCEDURES TO REMOVE A CLAIM REJECT.................. 10-6 Part 10 10-i Revision 4 (10/1/01) Change 7 Effective 5/1/05 PART 10 - NFIP/WYO SYSTEM ARCHIVING INTRODUCTION The NFIP/WYO System Archiving capability was developed to reducefile sizes and to enable WYO companies to reuse policy numbersfrom expired or canceled policies. The Archiving cycle takes place annually and was scheduled forthe month of June (April data). Effective 2002, the Archivingcycle’s scheduled date has been changed to the month of April(February data). The WYO Accounting Section sets the ArchivingCut-off Date that is used to select the records that are to be archived and those that are to remain on the Policy Master File. The cut-off date and the specific month in which archiving willbe accomplished will be provided to WYO companies at least 3months prior to the archiving cycle so that submission plans maybe adjusted as necessary. Companies can elect not to have dataarchived. I. POLICY MASTER FILE A. Criteria The following criteria are used for removing policyrecords from the WYO Policy Master File (PMF): • Expired policies will be removed if the policyexpiration date of the latest term on file isprior to the archiving cut-off date. • Canceled policies will be removed if thecancellation date on file is prior to thearchiving cut-off date. • Of the canceled and expired policies that are kepton the PMF, the latest two terms worth of datawill stay on file and prior terms will bearchived. Three-year policies will also have two termsretained (i.e., 6 years of insurance) whenappropriate. • Policies in force on or after the archiving cutoff date will have the latest two terms worth of data kept on the PMF and prior terms will bearchived. Part 10 10-1 Revision 4 (10/1/01) Change 3 Effective 10/1/02 B. Exceptions The exceptions to the above rules are as follows: • If a loss is on file for a policy, nothing will bearchived for that policy. This is due to NFIP/WYOsystem constraints and may be changed in thefuture. • If an effective date category in the Penalty Systemhas an error rate above the 5-percent tolerance, then policy terms with effective dates on or afterthe beginning of the fiscal year in which theeffective date category occurred will be retainedon the Policy Master File and not archived. • The WYO Accounting Section of the NFIP Bureau andStatistical Agent will not allow any archiving totake place for those companies it has determined tohave a material financial variance in those yearsthat would be archived. • Those companies that choose to not have their dataarchived may notify their Program Coordinator andtheir data will be kept on file. C. Data Retrieval Procedures Those companies that have their data archived willreceive a file containing the records that have beenarchived. This archive file is in the same format as the Policy Error File (see Appendix C, Section 1.B). The only data that will not be in the file is the errorcode information. The Policy Error File for the monthin which archiving occurs will contain all policyrecords regardless of error condition so that a companycan verify all the non-archive policy data that willremain on file. The retrieval procedure will be using the File TransferProtocol (FTP) site address bureau.nfipstat.com. We will place the files on the FTP site on an annual basis. The file names located in the Individual Company ErrorData directory /users/coxxxxx/archive are outlined below: • Archive Data File name: W2Axxxxx.zip • Archive Record Count File name: W2Axxxxx.txt • The Record Count File will contain the followingmessage: “The accompanying W2Axxxxx.zip file contains ##### records” Note: xxxxx = company/vendor NAIC number Part 10 10-2 Revision 4 (10/1/01) Change 7 Effective 5/1/05 ##### = number of records Part 10 10-3 Revision 4 (10/1/01) Change 7 Effective 5/1/05 All files will be available from the designated FTPaddress (bureau.nfipstat.com). User ID, passwords, anddirectory access will be provided to each WYO company. WYO companies will be able to access, read, and writeonly to their directories. They will not be able toaccess, read, or write to other directories. WYOcompanies may obtain an FTP client (e.g., CuteFTP, WSFTP, etc.) or access the FTP site through theInternet. For instructions on how to properly set upthe FTP client or receive Internet FTP Login Proceduresto gain access to our site, contact your ProgramCoordinator at the NFIP Bureau. II. REJECT MASTER FILE The Reject Master File may contain premium transactionsthat are associated with archived policy records. Therefore, these rejected transactions cannot beautomatically removed with the submittal of a transactionagainst a policy record. Critical rejected transactionsare subject to data submission monitoring and must beremoved from the Reject Master File regardless of whetherthe policy record is archived or not. The procedures toidentify and eliminate critical rejects on archived policyrecords and/or duplicate policy transactions are outlinedas follows: A. Identification of Critical Rejected Transactions onArchived Policy Records WYO companies should conduct a file comparison betweenthe Reject Master File and the Archived Policy RecordsTape. The rejected transactions can be identified by therecords on the Reject Master File that match with theArchived Policy Records. B. Detailed Report of Uncorrected Critical RejectedTransactions on Archived Policy Records WYO companies must submit a detailed report to theirWYO Program Coordinator that identifies those rejectedpremium transactions that cannot be corrected due toarchived policy records or duplicate policytransactions. The report should contain the same rejected detail dataelements provided to WYO companies by the NFIP/WYO. A brief explanation as to the reason for non-processingshould also be included. Part 10 10-4 Revision 4 (10/1/01) Change 7 Effective 5/1/05 The request will be forwarded to the WYO AccountingManager. The WYO company will be notified by its ProgramCoordinator if the documentation provided is acceptableand approved. C. Correction Transactions to Remove Entries from the Reject Master File 1. Upon approval, policy correction transactions 23Acan be used to remove entries from the RejectMaster File. These will be dummy transactionsemploying some valid policy number so that thetransaction can be accepted by the system. The remainder of the information is to be keyed to the transaction that is to be removed from the RejectMaster File. The NFIP/WYO system will match therequired key fields to the Reject Master File anddelete the outstanding transaction. The requiredkey fields are stated in item 2. 2. Companies should submit policy correctiontransaction 23A's with the key fields required: - Company Number (NAIC) *- Policy Number (same valid policy number onfile that is selected in order to be acceptedby the system) - Transaction Code - Transaction Date *- Policy effective date for the selected policynumber - Original submission month and reject controlnumber - Endorsement effective date 3. The remaining data elements should be set toblank. 4. No money amount should be reported. *The same policy number and policy effective date may be used forall 23A transactions. Refer to Appendix A, Section 25, Control and Resubmission of Rejection Transaction, for additional information on the Reject Master File. Part 10 10-5 Revision 4 (10/1/01) Change 7 Effective 5/1/05 III. PROCEDURES TO BACK OUT A CLAIM TRANSACTION If a claim has to be backed out, the reasons may vary suchas an invalid policy number, missing policy terms orincorrect claim attachments to a policy number. In orderto remove a claim against a policy and create a new claimfor the policy, submissions for two monthly TRRP cycleswill need to be scheduled to correct the problem. Thefollowing steps should be followed: Month 1: 1. The WYO company or vendor must back out all moneyassociated with the claim on a policy using a 64Atransaction (Claim Payment correction). 2. Delete the claim using a 61A transaction (GeneralClaim/Loss correction). Use CWOP reason code 97 forbuilding, contents and ICC. Month 2: Re-establish the claim with a 31A transaction (OpenClaim/Loss – Reserve). IV. PROCEDURES TO BACK OUT A CLAIM AND RESTORE CLAIM HISTORY UNDER A NEW POLICY NUMBER In order to remove a claim against an old policy numberand restore all claim history to a new policy number, submissions for two monthly TRRP cycles will need to bescheduled to correct the problem. The following stepsshould be followed: Month 1: 1. The WYO company or vendor must back out all moneyassociated with the claim on a policy using a 64Atransaction (Claim Payment correction). 2. Delete the claim using a 61A transaction (GeneralClaim/Loss correction). Use CWOP reason code 97 forbuilding, contents and ICC. 3. Re-issue the policy under a new policy number. (Notethe file for cross-reference and auditing purposes). Month 2: 1. Cancel the old policy back to the inception date usingcancellation reason code 4. 2. Re-establish the claim history under the new policynumber. Part 10 10-6 Revision 4 (10/1/01) Change 6 Effective 5/1/04 V. PROCEDURES TO BACK OUT AN ENDORSEMENT TRANSACTION If an endorsement has to be backed out, the reasons may varysuch as missing policy terms, changing policy dates or policynumbers that are missing on the WYO company database. Inorder to remove an endorsement against a policy, submissionsfor three monthly TRRP cycles will need to be scheduled tocorrect the problem. The following steps should be followed: Month 1: 1. The WYO company or vendor must back out all moneyassociated with the endorsement on a policy using a 23Atransaction (Policy Correction). 2. Submit a request to the NFIP Bureau and StatisticalAgent for the endorsement to be removed from the WYOsystem. Month 2: The NFIP Bureau and Statistical Agent will remove theendorsement and appropriately notify the WYO company. Onlythe NFIP Bureau can remove an endorsement. Month 3: The WYO company can resubmit the endorsement in the samemonth as any other transaction as long as the transactionsare properly sequenced. VI. PROCEDURES TO REMOVE A CLAIM REJECT Permission from the NFIP Bureau Accounting Department must begiven prior to removing a claim reject from the Reject Masterfile. After the approval is given, the WYO company/vendormust attach a copy of the approval to the financials for thesame month they are submitting the transaction. There are three possible ways to remove a claim reject. • Submit a 61A transaction (General Claim/Loss correction) with the reject control number, valid date of loss and avalid policy number. (Recommended) • Submit a 23A transaction (Policy Correction) with thereject control number and a valid policy number. • To remove a 31A reject transaction, submit a 31Atransaction (Open Claim/Loss – Reserve) with the rejectcontrol number and a valid policy number. Refer to Appendix A, Section 25, Control and Resubmission ofRejection Transaction, for additional information on theReject Master File. Part 10 10-7 Revision 4 (10/1/01) Change 6 Effective 5/1/04 APPENDIX A – TRANSACTION PROCESSING DICTIONARY TABLE OF CONTENTS Page INTRODUCTION................................................A-1 Section 1 -New Business Transaction......................A-2 Section 2 -Mailing Address Data Transaction..............A-2A Section 3 -Policy Reinstatement Without Policy Changes Transaction...................................A-3 Section 4 -Policy Reinstatement With Policy Changes Transaction...................................A-4 Section 5 -Renewal Transaction...........................A-6 Section 6 -Endorsement Transaction.......................A-7 Section 7 -Policy Correction Transaction.................A-9 Section 8 -Cancellation Transaction......................A-11 Section 9 -Cancellation Correction Transaction...........A-12 Section 10 -Open Claim/Loss-Reserve Transaction...........A-13 Section 11 -Reopen-A-Claim/Loss Transaction...............A-15 Section 12 -Change Reserve Transaction....................A-16 Section 13 -Partial Payment Transaction...................A-17 Section 14 -Close Claim/Loss Transaction..................A-18 Section 15 -Close Claim/Loss Without Payment Transaction..A-20 Section 16 -Addition to Final Payment Transaction.........A-21 Section 17 -Recovery Transaction..........................A-22 Section 18 -General Claim/Loss Correction Transaction.....A-23 Section 19 -Claim Payment Correction Transaction..........A-24 Section 20 -Recovery Correction Transaction...............A-25 Section 21 -Special Allocated Loss Adjustment Expense Transaction...................................A-26 Appendix A A-i Revision 4 (10/1/01) Change 8 Effective 10/1/05 APPENDIX A – TRANSACTION PROCESSING DICTIONARY Table of Contents (Cont’d.) Page Section 22 -Special Allocated Loss Adjustment Expense Correction Transaction........................A-27 Section 23 -Change Policy Number Key Transaction..........A-28 Section 24 -Change Date of Loss Key Transaction...........A-29 Section 25 -Change Claims Payment Date Key Transaction....A-30 Section 26 -Control and Resubmission of Rejection Transaction...................................A-31 Section 27 -Mortgage Portfolio Protection Program (MPPP)....A-33 Section 28 -Lender Data Transaction.......................A-35 Appendix A A-ii Revision 4 (10/1/01) Change 8 Effective 10/1/05 APPENDIX A - TRANSACTION PROCESSING DICTIONARY INTRODUCTION The Transaction Processing Dictionary gives a brief narrative foreach transaction. The narrative includes the transaction code/ format and describes the purpose, special circumstances, andbasic processing of each transaction for the NFIP/WYO TRRP Planreporting. A general description of edits performed on NFIP/WYOSystem record keys is provided in this appendix. The user should refer to Part 6 in the TRRP Plan for each transaction's record layout. Additionally, a complete anddetailed description of all edits performed by the NFIP/WYOSystem can be found in the Edit Specifications document. Appendix A A-1 Revision 4 (10/1/01) Effective 10/1/89 SECTION 1 - NEW BUSINESS TRANSACTION The transaction code for the required format of the New Businesstransaction is “11A.” This transaction contains New Policyinformation sent to the NFIP Bureau and Statistical Agent by theWYO companies. FEMA has determined that these data are necessaryto support underwriting and financial reconciliation, to provideactuarial information, and to provide statistics on a WYOcompany's insurance processing practices. All the fields on this transaction are required fields. The key data consist oftransaction code, transaction date, WYO prefix code, policynumber, policy effective date, and policy expiration date. The WYO prefix code is a 5-digit numeric code, which comes from theNational Association of Insurance Commissioners' (NAIC) listingof companies. The first time that a policy record is submittedby a WYO Company to the NFIP Bureau and Statistical Agent thistransaction must be used. In addition to carrying three classes of data, this transactioncontains two special fields--one reserved for NFIP use and onereserved for WYO company use. The Taxpayer Identification Number (if applicable) and the firstand last name of the insured must be reported. If the insured is a group or company, the full 30 characters may be used for thename. MAJOR PROCESSING ACTIVITIES The New Business transaction will have the following key dataedits: • Verify that the transaction code is "llA." • Verify that the Policy Number is not currently in thesystem. • Verify that the WYO Prefix Code belongs to a WYO company. • Verify that the transaction date is less than or equal tothe current date. • Verify that the Policy Effective Date is a valid date. • Verify that the premium reported is numeric. This transaction will be processed by the edit module, update theappropriate master files, and be added to the History Audit File. Appendix A A-2 Revision 4 (10/1/01) Change 9 Effective 5/1/06 SECTION 2 – MAILING ADDRESS DATA TRANSACTION The transaction code for the required format of the MailingAddress Data transaction is “12A.” This transaction contains mailing address information required for all new business, renewals, reinstatements, and mailing address changes processedafter September 30, 2005. While the 12A transaction resembles thestandard TRRP transaction format and is to be included in the monthly TRRP data, only minimal error checking will be performedon the transaction during processing by the NFIP Bureau andStatistical Agent. Internal reports will be generated to verifythat 12A transactions are being received for all affectedpolicies. MAJOR PROCESSING ACTIVITIES The Mailing Address Data transaction will have the following keydata edits: • Verify that the transaction code is "l2A." • Verify that the Policy Number is currently in the system. • Verify that the WYO Prefix Code belongs to a WYO company. • Verify that the transaction date is less than or equal tothe current date. This transaction will be processed by the edit module and willupdate the Mailing Address Master file. Appendix A A-2A Revision 4 (10/1/01) Change 8 Effective 10/1/05 This page is intentionally left blank. Appendix A A-2B Revision 4 (10/1/01) Change 8 Effective 10/1/05 SECTION 3 - POLICY REINSTATEMENT WITHOUT POLICY CHANGES TRANSACTION There is only an “A” record for this transaction. The transaction code is “14A.” This transaction was added to providea means of reinstating policies which were cancelled without arefund and where the policy is being reinstated with no changesto the information that was in effect prior to the cancellation. It consists of key data plus policy effective and expirationdates and the special reserved fields that are on all thetransactions. The policy effective and expiration dates mustremain the same as in the original policy. If additional coverage or premium is required, an Endorsement transaction mustbe sent. MAJOR PROCESSING ACTIVITIES The Policy Reinstatement Without Policy Changes transaction willhave the following key data edits: • Verify that the transaction code is "14A." • Verify that the Policy Number is currently in the system. • Verify that the Policy Effective Date and Expiration Dateare on file. • Verify that the policy was cancelled without a refund. • Verify that the transaction date is less than or equal tothe current date. • Verify that the WYO Prefix Code belongs to a WYO company. This transaction will be processed by the edit module and willupdate the appropriate master files, and a History Audit filetransaction will be created from this transaction. Appendix A A-3 Revision 4 (10/1/01) Change 8 Effective 10/1/05 SECTION 4 - POLICY REINSTATEMENT WITH POLICY CHANGES TRANSACTION The transaction code for the required format of the PolicyReinstatement With Policy Changes transaction is “15A.” This transaction provides a means of reinstating policies that werecancelled. It not only reinstates a policy to in-force status, but allows for changes to information in the policy record. If no endorsement effective date is provided in the record, thesechanges are effective as of the policy effective date. If an endorsement effective date is provided, then any changes reportedin this transaction will be made effective as of the endorsement effective date. Additionally, this transaction allows policy effective andexpiration dates to be revised. The revision is allowed in those cases where the policy had been cancelled as of the policyeffective date for non-payment. The revised dates must still conform to NFIP rules on the length of a policy term, policyreissuance, and appropriate waiting periods for coverage tobecome effective. The format of the Policy Reinstatementtransaction is similar to the renewal transaction except itcontains “Reinstatement Premium” instead of “Total Calculated Premium.” All data, except key data, are optional. The key dataconsist of transaction code, transaction date, WYO prefix code, and Record Layouts for the Policy Reinstatement transaction'soptional format. MAJOR PROCESSING ACTIVITIES The Policy Reinstatement With Policy Changes transaction willhave the following key data edits: • Verify that the transaction code is "15A." • Verify that the Policy Number is currently in the system. • Verify that the policy was cancelled. • Verify that the transaction date is less than or equal tothe current date. • Verify that the WYO Prefix Code belongs to a WYO company. • Verify that the premium reported is numeric. • Verify that the Policy Reinstatement transaction does notchange the Policy Effective Dates of a policy after anendorsement or claim has been applied to it. Appendix A A-4 Revision 4 (10/1/01) Change 8 Effective 10/1/05 • If the Policy Effective Dates are changed, theCancellation/Voidance Reason on file must be “05” or "11." • Verify that the Policy Effective Date of the reinstatedterm is not later than 120 days than the Policy ExpirationDate of the last term. This transaction will be processed by the edit module and willupdate the appropriate master files, and a History Audittransaction will be created from this transaction. Appendix A A-5 Revision 4 (10/1/01) Effective 10/1/96 SECTION 5 - RENEWAL TRANSACTION The transaction code for the required format of the Renewaltransaction is “17A.” This transaction contains renewal policydata sent to the NFIP Bureau and Statistical Agent by the WYOcompanies. The data fields on this transaction are identical to those on the New Business transaction. The only data elementsrequired to be reported are transaction code, transaction date, WYO prefix code, policy number, and total calculated premium. All other data elements can be reported although they are onlyrequired if they are being changed from the latest information onrecord for the prior term. If a data element is not reported onthis transaction, then the prior term information is carriedforward by the NFIP/WYO system. To change data element values toblank or zero, “asterisk fill” the appropriate field. This mightbe necessary, for example, if a coverage carried in the priorterm is being dropped and, therefore, the amount of insurance forthat prior term coverage should not be carried forward by theNFIP/WYO System. MAJOR PROCESSING ACTIVITIES The Renewal transaction will have the following key data edits: • Verify that the transaction code is "17A." • Verify that the Policy Number is in the system and active. • Verify that the WYO Prefix Code belongs to a WYO company. • Verify that the transaction date is less than or equal tothe current date. • Verify that the Policy Effective Date of the new term isnot later than 120 days than the Policy Expiration Date ofthe last term. • Verify that the premium reported is numeric. This transaction will be processed by the edit module and willupdate the appropriate master files, and a History Audittransaction will be created from this transaction. Appendix A A-6 Revision 4 (10/1/01) Change 8 Effective 10/1/05 SECTION 6 - ENDORSEMENT TRANSACTION The transaction code for the required format of the Endorsementtransaction is “20A.” This transaction contains the data that will be used to endorse an existing policy. It contains data necessary to support underwriting and financial reconciliation, to provide actuarial information and to provide statistics on aWYO company's insurance processing practices. The format is similar to the New Business transaction except it contains“Endorsement Premium Amount” in lieu of “Total Calculated Premium.” Only the data elements being endorsed are necessaryfor reporting on this transaction. To change a data element tozero or blank, fill the field with asterisks (*). This will differentiate between not reporting a data element and changingthe data element to contain a blank or zero on the data-base. These data are processed against data already in the NFIP/WYOsystem. MAJOR PROCESSING ACTIVITIES The Endorsement transaction will have the following key dataedits: • Verify that the transaction code is "20A." • Verify that the Policy Number is currently in the system. • Verify that the WYO Prefix Code belongs to a WYO company. • Verify that the transaction date is less than or equal tothe current date. • Policy Effective Date must be the same as the date on filefor the policy. • Verify that the Endorsement Effective Date is a valid datethat falls within the Policy Effective and ExpirationDates of the term being endorsed. • Verify that the premium reported is numeric. Special attention must be given to how Endorsement transactionsare treated by the NFIP/WYO System. Information supplied in theEndorsement transaction is made effective for the policy recordas of the Endorsement Effective Date and remains effective for the policy until specifically changed by a transaction with alater Effective Date. The policy information is stored in thesystem by effective dates and not on a transactional basis. Therefore, the submission on a transaction with a laterprocessing date than information already on file, but with an Appendix A A-7 Revision 4 (10/1/01) Change 8 Effective 10/1/05 effective date that precedes the effective date for theinformation already on file, will not change the recordedinformation with the later effective dates. If it is desired to make information effective as of a particular date and to carrythat information effective through later effective dates alreadyin the policy record, then separate transactions must be suppliedfor each of the appropriate effective dates already on file. In processing an Endorsement transaction, information supplied inthe transaction is made effective as of the Endorsement Effective Date reported. Information not supplied in the Endorsementtransaction, but already in the policy record with an effectivedate prior to or the same as the Endorsement Effective Date beingreported, is maintained in the policy record as being theeffective information. A History Audit transaction will be created from thistransaction. Appendix A A-8 Revision 4 (10/1/01) Effective 10/1/86 SECTION 7 - POLICY CORRECTION TRANSACTION The transaction code for the required format of the PolicyCorrection transaction is “23A.” This transaction is used to correct data entered into the system via a New Businesstransaction, a Renewal transaction, or an Endorsement transactionfrom the required formats. The data fields on this transaction are identical to those on the Endorsement transaction. This transaction allows the correction of a single-field or anycombination of fields per a single run. Data elements reportedas zero or blank on this transaction will cause the values of the data elements already in the NFIP/WYO system to be retained. To correct a data element to zero or blank, fill the field with anasterisk (*). This will differentiate between not reporting adata element and changing the data element to contain a blank orzero on the data base. Policy information is stored in the System by effective dates(policy effective date and endorsement effective date) and not ona transactional basis. The submission of a Policy Correctiontransaction will change information in the policy record that isbeing maintained with the endorsement/policy effective date thatmatches the Endorsement Effective Date submitted with the PolicyCorrection transaction. MAJOR PROCESSING ACTIVITIES The Policy Correction transaction will have the following keydata edits: • Verify that the transaction code is "23A." • Verify that the Policy Number is currently in the system. • Verify that the WYO Prefix Code belongs to a WYO Company. • Verify that the transaction date is less than or equal tothe current date. • Verify that the Policy Effective Date is a valid date asper the format. • Verify that the Endorsement Effective Date is a valid dateas per the format. • Verify that the Endorsement Effective Date is on file, either matching a Policy Effective Date (for correctingNew Business or Renewal records) or Endorsement EffectiveDate (for correcting endorsements). Appendix A A-9 Revision 4 (10/1/01) Change 8 Effective 10/1/05 • Policy correction transactions may not change the PolicyEffective Date of a policy term after an endorsement orloss has been applied to it. • Verify that the premium reported is numeric. This transaction will be processed by the edit module and willupdate the appropriate master files, and a History Audittransaction will be created from this transaction. Appendix A A-10 Revision 4 (10/1/01) Effective 7/1/95 SECTION 8 - CANCELLATION TRANSACTION The transaction code for the required format of the Cancellationtransaction is “26A.” This transaction is used to enter cancellation data on existing policies into the system. Only one Cancellation transaction is allowed against a policy. The refund amount submitted on the Cancellation transaction should be the amount refunded for the respective policy term(s) with regard to the refund rules specified for the reportedcancellation reason code. MAJOR PROCESSING ACTIVITIES The Cancellation transaction will have the following key dataedits: • Verify that the transaction code is "26A." • Verify that the Policy Number is currently in the system. • Verify that the policy was never cancelled. • Verify that the WYO Prefix Code belongs to a WYO Company. • Verify that the transaction date is less than or equal tothe current date. • Verify that the refund reported is numeric and a positivenumber. This transaction will be processed by the edit module and willupdate the appropriate master files, and a History Audittransaction will be created from this transaction. Appendix A A-11 Revision 4 (10/1/01) Change 8 Effective 10/1/05 SECTION 9 - CANCELLATION CORRECTION TRANSACTION The transaction code for the required format of the CancellationCorrection transaction is “29A.” This transaction is used to correct data entered into the system via a Cancellationtransaction (required format). This transaction allows the correction of a single field or any combination of fields per asingle run. MAJOR PROCESSING ACTIVITIES The Cancellation Correction transaction will have the followingkey data edits: • Verify that the transaction code is "29A." • Verify that the Policy Number is currently in the system. • Verify that the WYO Prefix Code belongs to a WYO Company. • Verify that the transaction date is less than or equal tothe current date. • Verify that the policy has been cancelled. • Verify that the refund reported is numeric. This transaction will be processed by the edit module and willupdate the appropriate master files, and a History Audittransaction will be created from this transaction. Appendix A A-12 Revision 4 (10/1/01) Change 8 Effective 10/1/05 SECTION 10 - OPEN CLAIM/LOSS-RESERVE TRANSACTION The Open Claim/Loss-Reserve transaction is used to establish therecord for a particular date of loss. It can be used to establish reserves, to open cases, report payments, or to reportthat there is no case under a particular coverage. It is mandatory to report the transaction code, transaction date, WYOprefix code, policy number, date of loss, and catastrophe number(if that number is applicable). The transaction code for Open Claim/Loss-Reserve is “31A” forRequired data elements and “31B” for Optional data elements. MAJOR PROCESSING ACTIVITIES The Open Claim/Loss-Reserve transaction will have the followingkey data edits: • Verify that the transaction code is “31A” or “31B.” • Verify that the transaction date is less than today'sdate. • Verify that the WYO Prefix Code belongs to a WYO Company. • Verify that the Policy Number is in the system. • Verify that the Date of Loss is within a term for thePolicy. • Verify that the Date of Loss is not currently in thesystem for the policy. • Verify that the payments reported are numeric. The transaction will then process the claims edits, checking thatthe required data elements for an Open Claim/Loss-Reserve havebeen supplied and validating all submitted information. To report the opening of a case, at the minimum, one of thefollowing must be done: • The appropriate non-zero Reserve (Reserve-Building and/orReserve-Contents) is reported; • The appropriate Final Payment Indicator (building and/orcontents) is reported as "N"; or • A payment under the appropriate coverage is reported. Appendix A A-13 Revision 4 (10/1/01) Change 8 Effective 10/1/05 To report that there is no case open for a coverage, one of thefollowing must be done: • The appropriate Final Payment Indicator is reported as“A”; or • The appropriate Final Payment Indicator is reported blankand the corresponding reserve amount is reported as zero. The remaining data elements within the “A” record are mandatoryfor eventual reporting, but may be submitted with the CloseClaim/Loss transaction. If either a building claim payment or a contents claim payment ismade, and it is the final payment for the claim, thecorresponding final payment indicator must be reported as “Y.” No reserves should be reported for that portion of the loss. If an expense has been incurred for contents removal, this willbe reported in Expense of Contents Removal and also as part ofthe Contents Claim Payment. If an expense has been incurred formanufactured (mobile) home removal, this will be reported inExpense of Manufactured (Mobile) Home Removal and as part ofBuilding Claim Payment. If an expense for flood protection wasincurred, this will be reported in Total Expense of TemporaryFlood Protection and as part of the Building Claim Payment. The file will be updated with available information. A History Audittransaction will be created for the Open Claim/Loss-Reservetransaction. Appendix A A-14 Revision 4 (10/1/01) Effective 10/1/86 SECTION 11 - REOPEN-A-CLAIM/LOSS TRANSACTION There is only an “A” record for the Reopen-A-Claim/Losstransaction. The transaction code is “34A.” It is used to reopen a claim and re-establish reserves after a Close Claim/Losstransaction has been submitted. Claim payments can be made atthe time a claim is reopened. The same methodology used toreport claim payments on an Open Claim/Loss-Reserve transactionapplies here. A claim is reopened because additional paymentsfor a claim need to be made or because a claim was previouslyclosed without payment. The transaction code, transaction date, WYO prefix code, policy number, date of loss, claim/loss reopendate, Reserve-Building, Reserve-Contents, Final PaymentIndicator-Building, and Final Payment Indicator-Contents arerequired data elements at the time a claim is reopened. MAJOR PROCESSING ACTIVITIES The Reopen-A-Claim/Loss transaction will have the following keydata edits: • Verify that the transaction code is “34A.” • Verify that the transaction date is less than today'sdate. • Verify that the WYO Prefix Code belongs to a WYO company. • Verify that the Policy Number is in the system for the WYOcompany. • Verify that the claim is closed. • Verify that the payments are numeric. This transaction will be processed by the appropriate claims editroutines, it will update the appropriate master files, and aHistory Audit transaction will be created from this transaction. Appendix A A-15 Revision 4 (10/1/01) Change 8 Effective 10/1/05 SECTION 12 - CHANGE RESERVE TRANSACTION There is only an “A” record for the Change Reserve transaction. The transaction code is “37A.” It will allow the Write Your Own company to alter the amount held in reserve for building and/orcontents. The reserve amount will represent the new value ofreserve rather than an incremental amount. MAJOR PROCESSING ACTIVITIES The Change Reserve transaction will have the following key dataedits: • Verify that the transaction code is “37A.” • Verify that the transaction date is less than today'sdate. • Verify that the WYO Prefix Code belongs to a WYO company. • Verify that the Policy Number is in the system for the WYOcompany. • Verify that the Date of Loss is currently in the systemfor the policy. • Verify that the claim is open. • Verify reserve amounts against types of coverage. The claims file will be updated and a History Audit transactionwill be created for the Change Reserve transaction. Appendix A A-16 Revision 4 (10/1/01) Change 8 Effective 10/1/05 SECTION 13 - PARTIAL PAYMENT TRANSACTION There is only an “A” record for the Partial Payment transaction. The transaction code is “40A.” It is used to show claim paymentsmade to the insured prior to the final payment and closing of theclaim. MAJOR PROCESSING ACTIVITIES The Partial Payment transaction will have the following key dataedits: • Verify that the transaction code is “40A.” • Verify that the transaction date is less than today'sdate. • Verify that the WYO Prefix Code belongs to a WYO company. • Verify that the Policy Number is in the system for the WYOcompany. • Verify that the Date of Loss is currently in the systemfor the policy. • Verify that the payments are numeric and were made on theclaim. The reserve amounts that were established with the Open ClaimReserve transaction will be decreased by the payment amountsduring processing of the partial payment transaction. It will not be necessary for the WYO company to submit a Change ofReserve transaction. The payment amounts submitted areincremental values representing the actual amount of one claimpayment and not the total payment amount to date. The payment date is the actual date a partial payment is made. The Final Payment Indicator-Building is a code indicating thatthis is the final building claim payment for the claim. The Final Payment is the final contents claim payment for the claimin question. These fields are used the same way as in an OpenClaim Reserve transaction; the reserve for that coverage will beset to zero. This allows for a claim to be closed on one coverage without closing the claim on the other coverage. It will still be necessary for the WYO companies to submit a CloseClaim/Loss transaction in order to report the additionalinformation. The appropriate data files will be updated, and a History Audittransaction will be created from this transaction. Appendix A A-17 Revision 4 (10/1/01) Change 8 Effective 10/1/05 SECTION 14 - CLOSE CLAIM/LOSS TRANSACTION The Close Claim/Loss transaction must be submitted for everyrecord established for a date of loss where one or more cases have been settled with payment. It must also be submitted if all applicable cases for a date of loss have been closed withoutpayment due to damage not exceeding deductibles. The transaction is to be provided concurrent with or after the closing of allcases associated with a date of loss. Even when Final PaymentIndicators have been reported with values of “Y” in previoustransactions, the NFIP/WYO System still requires that thistransaction be submitted. The Close Claim/Loss transaction is used to report required claimdata and final payment amounts not previously reported and toreport CWOP reasons. If all applicable cases for a date of losshave been closed without payment for reasons other than damagenot exceeding deductible amounts, then it is the company's optionto use this transaction or the Close Claim/Loss Without Paymenttransaction to report CWOP reasons and the final closing date ofany cases opened for a date of loss. Whenever an Open Claim/Loss-Reserve transaction or a ReopenClaim/Loss transaction is submitted, a Close Claim/Losstransaction must eventually be submitted. This reportingrequirement still applies when a “First and Final” paymentsituation arises. Expense of Contents Removal and Expense of Manufactured (Mobile) Home Removal, if reported, will also be part of the contentsclaim payment and building claim payment, respectively. All data elements on the required format, “A” record, of the CloseClaim/Loss transaction are used to: • Verify that Final Payment Indicators have been setappropriately (“Y” when a case had been established, “A” when no case had been established). • Verify that Date Claim Closed is later than the Date ofLoss. • Verify that any required data element not previouslyreported has been reported (all data elements on “A” record). The transaction code for Close Claim/Loss is “43A” and “43B.” The total Expense of Temporary Flood Protection, Expense ofContents Removal, and Expense of Manufactured (Mobile) HomeRemoval should be included on this record, if costs have beenincurred and have not been previously reported. Appendix A A-18 Revision 4 (10/1/01) Change 8 Effective 10/1/05 MAJOR PROCESSING ACTIVITIES The Close Claim/Loss transaction will have the following key dataedits: • Verify that the transaction code is “43A” or “43B.” • Verify that the transaction date is less than today'sdate. • Verify that the WYO Prefix Code belongs to a WYO company. • Verify that the Policy Number is in the system for the WYOcompany. • Verify that the Date of Loss is currently in the systemfor the policy. • Verify that the claim is open. • Verify that the Payment Date is later than the Date ofLoss. • Verify that the payments are numeric. • Verify the Building and Contents payments against paymentlimits of the policy. Claims edits will be performed, the reserve amounts are to be setto zero, and updates are to be made to the master files duringprocessing of this transaction. A History Audit transaction willbe created for the Close Claim/Loss transaction. Appendix A A-19 Revision 4 (10/1/01) Effective 10/1/86 SECTION 15 - CLOSE CLAIM/LOSS WITHOUT PAYMENT TRANSACTION There is only an “A” record for Close Claim/Loss Without Payment(CWOP) transaction. The transaction code is “46A.” It is available for use in lieu of the Close Claim/Loss transactionwhen all opened cases for a date of loss have been closed withoutpayment and CWOP reason l, damage does not exceed deductibleamount, is not applicable. MAJOR PROCESSING ACTIVITIES The Close Claim/Loss Without Payment transaction will have thefollowing key data edits: • Verify that the transaction code is “46A.” • Verify that the transaction date is less than today'sdate. • Verify that the WYO Prefix Code belongs to a WYO company. • Verify that the Policy Number is in the system for the WYOcompany. • Verify that the Date of Loss is currently in the systemfor the policy. • Verify that no payments were made on the claim. The processing will validate the policy and claim numbers, verifythat no payments have been made for this loss in either coverage, and validate the CWOP reason. The reserves will be set to zero and the master files updated. A History Audit transaction will be created from thistransaction. Appendix A A-20 Revision 4 (10/1/01) Change 8 Effective 10/1/05 SECTION 16 - ADDITION TO FINAL PAYMENT TRANSACTION The Addition to Final Payment transaction is needed if a claimscase has been closed (either by setting the Final PaymentIndicator to “Y” or submitting a Close Claim/Loss transaction) but an additional payment has been made to the insured. The payment may be a building or content claim payment. The transaction codes are “49A” and “49B.” The policy and claimsnumbers will be validated. The payment date will be reported onthe “A” record. MAJOR PROCESSING ACTIVITIES The Addition to Final Payment transaction will have the followingkey data edits: • Verify that the transaction code is “49A” or “49B.” • Verify that the transaction date is less than today'sdate. • Verify that the WYO Prefix Code belongs to a WYO company. • Verify that the Policy Number is in the system for the WYOcompany. • Verify that that the Date of Loss is currently in thesystem for the policy. • Verify that the claim is closed. • Verify that the Payment Date is later than the Date ofLoss. • Verify that the payments are numeric. • Verify that the payments do not exceed Policy Limits. Reserves will not be altered for this transaction since they wereeliminated at the time the case was closed. The Total Expense of Temporary Flood Protection, Expense ofContents Removal, and Expense of Manufactured (Mobile) HomeRemoval will be reported on the “A” record when they have beenincurred. Master files will be updated and a History Audittransaction created. This transaction functions alone and requires neither a Reopen-A-Claim/Loss transaction nor a CloseClaim/Loss transaction in conjunction with it. Appendix A A-21 Revision 4 (10/1/01) Change 8 Effective 10/1/05 SECTION 17 - RECOVERY TRANSACTION The Recovery transaction has two purposes: It can be used after a case has been closed if an overpayment was made to the insuredand money was recovered, and it is available if any ActualSalvage Recovery or Subrogation needs to be reported after thecase is closed. The transaction codes are “52A” and “52B.” MAJOR PROCESSING ACTIVITIES The Recovery transaction will have the following key data edits: • Verify that the transaction code is “52A” or “52B.” • Verify that the transaction date is less than today'sdate. • Verify that the WYO Prefix Code belongs to a WYO company. • Verify that the Policy Number is in the system for the WYOcompany. • Verify that the Date of Loss is currently in the systemfor the policy. • Verify that the Recovery Dates are later than the Date ofLoss if the corresponding payments are made. • Verify that the payments are numeric. This transaction updates the master files, and a History Audittransaction will be created from this transaction. If the “A” record contains a Payment Recovery Amount, the PaymentRecovery Date must be reported on the “A” record. If the “A” record contains a Salvage Recovery Amount, the Salvage RecoveryDate must be reported on the “A” record. If the “A” record contains a Subrogation Recovery Amount, the Subrogation RecoveryDate must be reported on the “A” record. Total Expense ofTemporary Flood Protection and Expense of Contents Removal may bereported when these expenses have been incurred. Appendix A A-22 Revision 4 (10/1/01) Change 8 Effective 10/1/05 SECTION 18 - GENERAL CLAIM/LOSS CORRECTION TRANSACTION The General Claim/Loss Correction transaction allows correctionsto be made to all claim data elements except Payments, Recoveries, and Special Allocated Loss Adjustment Expenses. Data entering the system by using the Change Reserve, CloseClaim/Loss, Close Claim/Loss Without Payment, and Reopen-A-ClaimCorrection transactions can be corrected by using the GeneralClaim/Loss Correction transaction. The transaction codes are “61A” and “61B.” As with other correction transactions, any combination of dataelements may contain correcting values. Zeros in numeric fields and spaces in alpha and alphanumeric fields mean thatcorresponding fields on the master files do not need corrections. MAJOR PROCESSING ACTIVITIES The General Claim/Loss Correction transaction will have thefollowing key data edits: • Verify that the transaction code is “61A” or “61B.” • Verify that the transaction date is less than today'sdate. • Verify that the WYO Prefix Code belongs to a WYO company. • Verify that the Policy Number is in the system for the WYOcompany. • Verify that the Date of Loss is currently in the systemfor the policy. This transaction will update the appropriate master files, and aHistory Audit transaction will be created from this transaction. Appendix A A-23 Revision 4 (10/1/01) Change 8 Effective 10/1/05 SECTION 19 - CLAIM PAYMENT CORRECTION TRANSACTION There is only an “A” record for the Claim Payment Correctiontransaction. The transaction code is “64A.” The function of this transaction is to make corrections to payment fields. Payment fields enter the system via the Open Claim/Loss-Reserve, Partial Payment, Close Claim/Loss, and Addition to Final Paymenttransactions. The loss number (policy number and date of loss) will determine to which loss the payment is applied. The paymentdate will determine which claim payment is being corrected. MAJOR PROCESSING ACTIVITIES The Claim Payment Correction transaction will have the followingkey data edits: • Verify that the transaction code is "64A." • Verify that the transaction date is less than today'sdate. • Verify that the WYO Prefix Code belongs to a WYO company. • Verify that the Date of Loss is currently in the systemfor the policy. • Verify that the payments are numeric. This transaction will be processed by the appropriate editroutines and will update the appropriate master files, and aHistory Audit transaction will be created from this transaction. Appendix A A-24 Revision 4 (10/1/01) Change 8 Effective 10/1/05 SECTION 20 - RECOVERY CORRECTION TRANSACTION There is only an “A” record for the Recovery Correctiontransaction. The transaction code is “67A.” This transaction provides a means of making corrections to Payment Recovery, Actual Salvage Recovery, and Subrogation Recovery amounts byusing the corresponding recovery dates as keys. All recoveryamounts are incremental values. This transaction may besubmitted before or after a claims case has been closed. MAJOR PROCESSING ACTIVITIES The Recovery Correction transaction will have the following keydata edits: • Verify that the transaction code is "67A." • Verify that the transaction date is less than today'sdate. • Verify that the WYO Prefix Code belongs to a WYO company. • Verify that the Policy Number is in the system for the WYOcompany. • Verify that the Date of Loss is currently in the systemfor the policy. • Verify that the payments are numeric. This transaction will be processed by the appropriate editroutines and will update the appropriate master file, and aHistory Audit transaction will be created from this transaction. Appendix A A-25 Revision 4 (10/1/01) Change 8 Effective 10/1/05 SECTION 21 - SPECIAL ALLOCATED LOSS ADJUSTMENT EXPENSE TRANSACTION There is only an “A” record for the Special Allocated LossAdjustment Expense (LAE) transaction. The transaction code is “71A.” This transaction is available to report loss expensesother than fees paid to adjusters. This includes specialengineering expenses, legal fees, or the cost of an appraisal. This transaction may be submitted while a claim is open or afterthe case has been closed. The Special Allocated LAE will be usedin the financial control of the system. For this purpose, theSpecial Expense Date will be reported. MAJOR PROCESSING ACTIVITIES The Special Allocated Loss Adjustment Expense transaction willhave the following key data edits: • Verify that the transaction code is "71A." • Verify that the transaction date is less than today'sdate. • Verify that the WYO Prefix Code belongs to a WYO company. • Verify that the Policy Number is in the system for the WYOcompany. • Verify that the Date of Loss is currently in the systemfor the policy. • Verify that the expense amount is numeric. Master files will be updated and a History Audit transaction willbe created from this transaction. Appendix A A-26 Revision 4 (10/1/01) Change 8 Effective 10/1/05 SECTION 22 - SPECIAL ALLOCATED LOSS ADJUSTMENT EXPENSE CORRECTION TRANSACTION There is only an “A” record for the Special Allocated LossAdjustment Expense Correction transaction. The transaction code is “74A.” This transaction provides a means of makingcorrections to Special Expense Type and Amount by using thecorresponding Special Expense Date. The Special Expense Date, which is the date on which the special allocated loss adjustmentexpense was incurred, must be reported on this transaction. MAJOR PROCESSING ACTIVITIES The Special Allocated Loss Adjustment Expense Correctiontransaction will have the following key data edits: • Verify that the transaction code is "74A." • Verify that the transaction date is less than today'sdate. • Verify that the WYO Prefix Code belongs to a WYO company. • Verify that the Policy Number is in the system for the WYOcompany. • Verify that the Date of Loss is currently in the systemfor the policy. • Verify that the expense amount is numeric. This transaction will be processed by the edit module and willupdate the appropriate master files, and a History Audittransaction will be created from this transaction. Appendix A A-27 Revision 4 (10/1/01) Change 8 Effective 10/1/05 SECTION 23 - CHANGE POLICY NUMBER KEY TRANSACTION There is only an “A” record for the Change Policy Number Keytransaction. The transaction code is “81A.” This transaction provides a mechanism for changing the policy number assigned toan active policy. The key fields are transaction code, transaction date, WYO prefix code, and old policy number. The value in New Policy Number replaces that in old policy number. MAJOR PROCESSING ACTIVITIES The Change Policy Number Key transactions are processed after all other transactions. Therefore, within the same submission month, all transactions pertaining to those policies whose policynumbers are being changed MUST use the "Old Policy Number.” The Change Policy Number Key transaction will have the followingkey data edits: • Verify that the transaction code is "81A." • Verify that the Old Policy Number is currently in thesystem. • Verify that the WYO Prefix Code belongs to a WYO company. • Verify that New Policy Number is not in the system. This transaction will be processed by the edit module and willupdate the appropriate master files, and a History Audittransaction will be created from this transaction. Appendix A A-28 Revision 4 (10/1/01) Change 8 Effective 10/1/05 SECTION 24 - CHANGE DATE OF LOSS KEY TRANSACTION There is only an “A” record for the Change Date of Loss Keytransaction. The transaction code is “84A.” This transaction is used to change dates of loss on claims transactions. This could be necessary if an incorrect date of loss was recorded on an OpenClaim/Loss Reserve transaction. This transaction overlays thevalue represented by “Old Date of Loss” with that represented by"New Date of Loss." MAJOR PROCESSING ACTIVITIES The Change Date of Loss Key transactions are processed after allother transactions, except Change Claims Payment Date Key andChange Policy Number Key transactions. The Change Claims PaymentDate Key transaction is processed at the same time as the ChangeDate of Loss Key transaction. The Change Policy Number Keytransaction is processed after all other transactions haveprocessed for the month. When submitting this transaction, donot send any other transactions that will process against theloss (either the “Old Date of Loss” or the "New Date of Loss"). The Change Date of Loss Key transaction will have the followingkey data edits: • Verify that the transaction code is "84A." • Verify that the transaction date is less than or equal totoday's date. • Verify that the WYO Prefix Code belongs to a WYO company. • Verify that the Policy Number is in the system. • Verify that the Old Date of Loss is currently in thesystem. • Verify that the New Date of Loss is not currently in thesystem. • Verify that the New Date of Loss is within a term for thepolicy. This transaction will be processed by the edit module, willupdate the appropriate master file with the new key, will deletethe old Date of Loss information, and will add a History AuditFile. Appendix A A-29 Revision 4 (10/1/01) Change 8 Effective 10/1/05 SECTION 25 - CHANGE CLAIMS PAYMENT DATE KEY TRANSACTION There is only an “A” record for the Change Claims Payment DateKey transaction. The transaction code is “87A.” The purpose ofthe Change Claims Payment Date Key transaction is to provide ameans of changing the payment date. This transaction would replace the value in Old Payment Date with that in New PaymentDate on the appropriate master file. MAJOR PROCESSING ACTIVITIES The Change Claims Payment Date Key transactions are processedafter all other transactions, except Change Date of Loss Key andChange Policy Number Key transactions. The Change Date of LossKey transaction is processed at the same time as the ChangeClaims Payment Date Key transaction. The Change Policy NumberKey transaction is processed after all other transactions haveprocessed for the month. When submitting this transaction, donot send any other transactions that will process against theloss. The Change Claims Payment Date Key transaction will have thefollowing key data edits: • Verify that the transaction code is "87A." • Verify that the transaction date is less than or equal totoday's date. • Verify that the WYO Prefix Code belongs to a WYO company. • Verify that the Policy Number is in the system for the WYOcompany. • Verify that the Date of Loss is currently in the systemfor the policy. • Verify that the Old Payment Date is currently in thesystem for the claim. • Verify that the New Payment Date is not currently in thesystem for the claim. • Verify that the New Payment Date is after the Date ofLoss. The transaction will be processed by the edit module, will updatethe appropriate master file with the new key, will delete the oldpayment information, and will add a History Audit File. Appendix A A-30 Revision 4 (10/1/01) Change 8 Effective 10/1/05 SECTION 26 - CONTROL AND RESUBMISSION OF REJECTION TRANSACTION The Control and Resubmission of Rejection transaction isnecessitated by the WYO Financial Control Plan requirements forreconciling the monthly financial statements with policy and losstransaction detail. When a policy or loss transaction isrejected, an out-of-balance condition is created if premium orloss payments or other expenses are reported on that transaction. The NFIP/WYO system categorizes rejections as critical or non- critical. A critical rejection is one where the transaction haspremium or loss payments or other expenses reported. These rejections must be rectified by following the procedures as setforth below so that the reconciliations with the appropriatemonthly financial statements can be completed. If these procedures are not used, then the out-of-balance condition willcontinue. A non-critical rejection is one where no premium orloss payments or other expenses are reported. Because no out-ofbalance condition has been created, companies may follow theresubmission procedures below, but it is not mandatory that theydo so. When resubmitting a rejected transaction, the Original SubmissionMonth and Rejected Transaction Control Number must be the same asthe values assigned by the NFIP/WYO system and provided to thecompany on the rejected transaction record. Without these two data elements, the NFIP/WYO system will not recognize thetransaction as a resubmission. If these two fields are not zero or blank (not reporting) but are a valid value, the NFIP/WYOSystem will assume that a resubmission is being attempted. Therefore, the processing actions of condition 1 below will takeplace. A Reject Master File is maintained by the NFIP/WYO system. Uponreceipt of a resubmitted transaction, the following processingtakes place: 1. If the Original Submission Month and Control Number do notmatch any record held on the Reject Master File, then: • The resubmitted transaction is rejected before any furtherprocessing. • The resubmitted transaction is not added to the RejectMaster File. • Any dollar amounts associated with the resubmittedtransaction are reported to WYO Accounting forreconciliation purposes. Appendix A A-31 Revision 4 (10/1/01) Change 8 Effective 10/1/05 • The transaction is supplied to the company on the FTPIndividual Company Reject Data File with the disputedOriginal Submission Month and Control Number. The record will include a Reject Error Code (PR138020) denoting thisproblem. This transaction cannot be resubmitted with this disputed Original Submission Month and Reject ControlNumber. 2. If the Original Submission Month and the Control Number matcha record held on the Reject Master File, then: • If the resubmission is accepted after full processing: - The original record on the Reject Master File ispurged. - A report of the acceptance of the resubmission and thepurged dollar amount is made to the NFIP ProgramAccounting Department for reconciliation. • If the resubmission is rejected after full processing: - The original reject record on the Reject Master File ispurged. - The resubmitted transaction is added to the RejectMaster File keeping the same Original Submission Monthand Control Number as submitted by the company. - The rejected transaction is supplied to the company onthe FTP Individual Company Reject Data File. The corrective action for a rejected transaction may require thesubmission of more than one transaction. In order to purge therecord held on the Reject Master File, only one of thetransactions must contain the Original Submission Month andControl Number as assigned by the NFIP/WYO System. However, ifmore than one of these transactions is submitted with these two data elements, they must then be submitted in the same month. In order to handle the resubmission of transactions that were rejected prior to the initiation of the control number system, companies must supply the Original Submission Month as wouldnormally have been done and must also supply a Reject ControlNumber of “999999.” This applies to transactions rejected fromdata reported prior to the submission of October 1989 data inNovember 1989. Additional information regarding procedures to remove entriesfrom the Reject Master File can be found in Part 10, NFIP/WYOSystem Archiving. Appendix A A-32 Revision 4 (10/1/01) Change 6 Effective 5/1/04 SECTION 27 - MORTGAGE PORTFOLIO PROTECTION PROGRAM (MPPP) The following data elements are not required to be reported whensubmitting data for an MPPP policy. The NFIP/WYO system willautomatically set these data elements to the following defaultvalues. This will be done regardless of what the WYO companyplaces in these data elements. Base Flood Elevation +9999 Basement/Enclosure Type 0 Coverage Required for Disaster Assistance 3 Deductible - Building 0 Deductible - Contents 0 Elevated Building Indicator N Elevation Certificate Indicator 2 Elevation Difference +999 Floodproofed Indicator N Insurance-to-Value Ratio Indicator Blank Location of Contents Indicator Blank Lowest Floor Elevation +9999 New or Rollover Indicator N Number of Floors (Including Basement)/Building Type 1 Original Construction Date/SubstantialImprovement Date 00000000 Policy Term Indicator 1 Post-FIRM Construction Indicator Blank State-Owned Property N Appendix A A-33 Revision 4 (10/1/01) Change 8 Effective 10/1/05 The following data elements need to be reported only to justifyinsurance limits. If these data elements are not reported(blanks), then the following default values will be assigned bythe NFIP/WYO system: Condominium Indicator N Occupancy Type 1 For the NFIP/WYO system to accomplish the above, the data element Risk Rating Method must be reported for an MPPP policy on everyNew Business (11A), Renewal (17A), Endorsement (20A), PolicyReinstatement with Policy Changes (15A), and Policy Correction(23A) transaction submitted. Appendix A A-34 Revision 4 (10/1/01) Effective 10/1/96 SECTION 28 - LENDER DATA TRANSACTION The transaction code for the required format of the Lender Datais “99A.” This transaction provides first and second mortgageeinformation on policies that have expired more than 120 days. While the 99A transaction resembles the standard TRRP transaction format and is to be included in the monthly TRRP data, itsprocessing will be different. The Program does not intend to getinvolved in error processing on expired policies and no errorcodes will be generated on 99A transactions. However, someminimal error checking (such as the existence of the policynumber and that it is expired) must be done if the data are to beused. We will also be running internal reports to verify that99A transactions are being received for all pertinent expiredpolicies. MAJOR PROCESSING ACTIVITIES The Lender Data transactions are processed after all othertransactions. This transaction will have the following key dataedits: • Verify that the transaction code is "99A." • Verify that the transaction date is less than or equal totoday's date. • Verify that the WYO Prefix Code belongs to a WYO company. • Verify that the Policy Number is currently in the system. • Verify that the policy is expired more than 120 days. This transaction will be processed by the edit module, willupdate the Lender Master File, and will create a History Audittransaction. Appendix A A-35 Revision 4 (10/1/01) Change 8 Effective 10/1/05 APPENDIX B - COMMUNITY INFORMATION TABLE OF CONTENTS Page INTRODUCTION ................................................ B-1 Section 1 – Semiannual Community Data ....................... B-2 File Transfer Protocol (FTP) Specifications ..... B-2 Section 2 - Daily Community Change Activity ................. B-9 Record Types .................................... B-10 Section 3 - Weekly Hardcopy Reports ......................... B-17 Section 4 - Community File Data Dictionary .................. B-22 Appendix B B-i Revision 4 (10/1/01) Change 3 Effective 10/1/02 APPENDIX B - COMMUNITY INFORMATION LIST OF EXHIBITS Exhibit Page B-1 Record Layout of the Community File ................. B-3 B-2 Record Layout of the Map Panel File ................. B-8 B-3 Community Basic Information Record – Transaction 01 . B-11 B-4 Community Basic Information Record – Transaction 02 . B-12 B-5 Map Panel Record – Transaction 03 ................... B-13 B-6 Probation Data Record – Transaction 04 .............. B-14 B-7 Community Rating Data Record – Transaction 05 ....... B-15 B-8 Control Total Record ................................ B-16 B-9 Weekly Hardcopy Report Format – Basic Information Community Report .................................. B-18 B-10 Weekly Hardcopy Report Format – Community Map Report ............................................ B-19 B-11 Weekly Hardcopy Report Format – Community Probation Report ............................................ B-20 B-12 Weekly Hardcopy Report Format – Community Rating Report ............................................ B-21 Appendix B B-ii Revision 4 (10/1/01) Change 3 Effective 10/1/02 APPENDIX B - COMMUNITY INFORMATION INTRODUCTION It is necessary for WYO companies to have the data contained inthe National Flood Insurance Program (NFIP) Community File inorder to issue flood insurance policies correctly. Theresponsibility for proper and efficient dissemination of theCommunity File rests with the NFIP. It is the WYO company'sresponsibility to maintain this file by incorporating all updatedinformation provided by the NFIP to the Community File in a timelymanner. Community information and updates can be provided to a company ina variety of ways. The most suitable methods should be arrangedthrough the company's WYO Program Coordinator. Complete Community File information is available by File TransferProtocol (FTP) every 6 months (January and June). Updates to the community information are available two ways: (1) by daily electronic (FTP) transmissions, and (2) by weeklyhardcopy reports. This appendix includes the following: • File Transfer Protocol (FTP) description. • Record layouts of the complete Community File and MapPanel File. • Daily community change activity description and recordlayouts. • Weekly hardcopy report description. • Community File data dictionary. Appendix B B-1 Revision 4 (10/1/01) Change 3 Effective 10/1/02 SECTION 1 – SEMIANNAUAL COMMUNITY DATA Complete Community File information is available via the FTP siteevery 6 months (January and June). As part of the 6-month cycle, a special FTP transmission andmessage are sent, which contain all the changes from the time theSemiannual Community File was created up to the date of thetransmission. This transmission is provided so that WYO companiescan easily bring the Community File information up to date. The 6-month cumulative updates are available on the first Monday ofthe following month (February and July). FILE TRANSFER PROTOCOL (FTP) SPECIFICATIONS 1. An electronic data transfer system, FTP, is available forWYO companies to retrieve the NFIP Semiannual CommunityFiles. The FTP address is bureau.nfipstat.com. The files are located in directory /ftpcommon/community. The record layouts are located in directory /ftpcommon/filelayouts. The files and record layouts can also be retrieved fromthe NFIP’s web site: bsa.nfipstat.com. 2. File #1 – Community Master Extract Record (Exhibit B-1) The zipped file is created as MCOMTP.COMM.MMMYY.ZIP whereMMM is the reporting month and YY is the reporting year. 3. File #2 – Community Map Panel Record (Exhibit B-2) The zipped file is created as MMAPFL.PANEL.MMMYY.ZIP whereMMM is the reporting month and YY is the reporting year. Appendix B B-2 Revision 4 (10/1/01) Change 6 Effective 5/1/04 01 CMT-COMM-MSTR-EXTRACT-RECORD. 05 CMT-FIXED-AREA. 10 CMT-COMMUNITY-RECORD-KEY. 15 CMT-ALTERNATE-KEY. 20 CMT-ALTERNATE-KEY-STATE PIC X(02). 20 CMT-ALTERNATE-KEY-COMM PIC X(08). 15 CMT-COMMUN-NBR. 20 CMT-COMMUN-STATE PIC X(02). 20 CMT-COMMUN-ID PIC X(04). 10 CMT-POINTER-COMMUN-NBR PIC X(06). 10 CMT-REGION-NBR PIC X(02). 10 CMT-LATEST-PANEL. 15 CMT-LATEST-PANEL-SUFFIX PIC X(01). 15 CMT-LATEST-PANEL-NBR PIC X(04). 10 CMT-ANNEXATION-DATE. 15 CMT-ANNEX-CENTURY PIC 9(02). 15 CMT-ANNEX-YYMMDD. 20 CMT-ANNEX-YY PIC 9(02). 20 CMT-ANNEX-MM PIC 9(02). 20 CMT-ANNEX-DD PIC 9(02). 10 CMT-INLAND-COAST-CODE PIC X(01). 10 CMT-CBRA-IND-X. 15 CMT-CBRA-IND PIC 9(01). 10 CMT-COMMUN-NAME PIC X(50). 10 CMT-COMMUN-STATUS-X. 15 CMT-COMMUN-STATUS PIC 9(02). 10 CMT-PROGRAM-TYPE-CODE-X. 15 CMT-PROGRAM-TYPE-CODE PIC 9(02). 10 CMT-FLOOD-PROOF-FLAG PIC X(01). 10 CMT-LETTER-CONVERSION-IND-X. 15 CMT-LETTER-CONVERSION-IND PIC 9(01). 10 CMT-INITIAL-FHBM-DATE. 15 CMT-INITIAL-FHBM-CENTURY PIC 9(02). 15 CMT-INITIAL-FHBM-YYMMDD. 20 CMT-INITIAL-FHBM-YY PIC 9(02). 20 CMT-INITIAL-FHBM-MM PIC 9(02). 20 CMT-INITIAL-FHBM-DD PIC 9(02). 10 CMT-FHBM-STATUS-X. 15 CMT-FHBM-STATUS PIC 9(02). 10 CMT-EMERGENCY-ELIG-DATE. 15 CMT-EMER-ELIG-CENTURY PIC 9(02). 15 CMT-EMER-ELIG-YYMMDD. 20 CMT-EMER-ELIG-YY PIC 9(02). 20 CMT-EMER-ELIG-MM PIC 9(02). 20 CMT-EMER-ELIG-DD PIC 9(02). EXHIBIT B-1. Record Layout of the Community File Appendix B B-3 Revision 4 (10/1/01) Change 3 Effective 10/1/02 10 CMT-FIRM-EFFECTIVE-DATE. 15 CMT-FIRM-EFFECT-CENTURY PIC 9(02). 15 CMT-FIRM-EFFECT-YYMMDD. 20 CMT-FIRM-EFFECT-YY PIC 9(02). 20 CMT-FIRM-EFFECT-MM PIC 9(02). 20 CMT-FIRM-EFFECT-DD PIC 9(02). 10 CMT-CURRENT-FIRM-DATE. 15 CMT-CURRENT-FIRM-CENTURY PIC 9(02). 15 CMT-CURRENT-FIRM-YYMMDD. 20 CMT-CURRENT-FIRM-YY PIC 9(02). 20 CMT-CURRENT-FIRM-MM PIC 9(02). 20 CMT-CURRENT-FIRM-DD PIC 9(02). 10 CMT-CURRENT-FIRM-STATUS-X. 15 CMT-CURRENT-FIRM-STATUS PIC 9(02). 10 CMT-REGULAR-ELIG-DATE. 15 CMT-REG-ELIG-CENTURY PIC 9(02). 15 CMT-REG-ELIG-YYMMDD. 20 CMT-REG-ELIG-YY PIC 9(02). 20 CMT-REG-ELIG-MM PIC 9(02). 20 CMT-REG-ELIG-DD PIC 9(02). 10 CMT-SUSPEND-DATE. 15 CMT-SUSP-CENTURY PIC 9(02). 15 CMT-SUSP-YYMMDD. 20 CMT-SUSP-YY PIC 9(02). 20 CMT-SUSP-MM PIC 9(02). 20 CMT-SUSP-DD PIC 9(02). 10 CMT-SUSPENSION-REASON-X. 15 CMT-SUSPENSION-REASON PIC 9(01). 10 CMT-REINSTATE-DATE. 15 CMT-REINSTATE-CENTURY PIC 9(02). 15 CMT-REINSTATE-YYMMDD. 20 CMT-REINSTATE-YY PIC 9(02). 20 CMT-REINSTATE-MM PIC 9(02). 20 CMT-REINSTATE-DD PIC 9(02). 10 CMT-WITHDRAWAL-DATE. 15 CMT-WITHDRAWAL-CENTURY PIC 9(02). 15 CMT-WITHDRAWAL-YYMMDD. 20 CMT-WITHDRAWAL-YY PIC 9(02). 20 CMT-WITHDRAWAL-MM PIC 9(02). 20 CMT-WITHDRAWAL-DD PIC 9(02). 10 CMT-WITHDRAWAL-REIN-DATE. 15 CMT-WITHDRAW-REIN-CENTURY PIC 9(02). 15 CMT-WITHDRAW-REIN-YYMMDD. 20 CMT-WITHDRAW-REIN-YY PIC 9(02). 20 CMT-WITHDRAW-REIN-MM PIC 9(02). 20 CMT-WITHDRAW-REIN-DD PIC 9(02). EXHIBIT B-1 (Cont’d.). Record Layout of the Community File Appendix B B-4 Revision 4 (10/1/01) Change 3 Effective 10/1/02 10 CMT-COMMUN-LAST-UPDATE-DATE. 15 CMT-COMMUN-LAST-UPDATE-CENTURY PIC 9(02). 15 CMT-COMMUN-LAST-UPDATE-YYMMDD. 20 CMT-COMMUN-LAST-UPDATE-YY PIC 9(02). 20 CMT-COMMUN-LAST-UPDATE-MM PIC 9(02). 20 CMT-COMMUN-LAST-UPDATE-DD PIC 9(02). 10 CMT-COMMUN-LAST-UPDATE-TIME PIC X(08). 10 CMT-TRAILER-COUNTERS. 15 CMT-PROB-TRAILER-CNT PIC S9(04) COMP. 15 CMT-CRS-TRAILER-CNT PIC S9(04) COMP. 15 CMT-PANEL-TRAILER-CNT PIC S9(04) COMP. 10 CMT-FILLER-1 PIC X(94). 10 CMT-COMMENTS-INFO. 15 CMT-CSB-COMMENTS OCCURS 6 TIMES INDEXED CMT-CSB-INDEX. 20 CMT-COMMENTS PIC X(60). 20 CMT-COMMENTS-DATE. 25 CMT-COMMENTS-CENTURY PIC 9(02). 25 CMT-COMMENTS-YYMMDD. 30 CMT-COMMENTS-YY PIC 9(02). 30 CMT-COMMENTS-MM PIC 9(02). 30 CMT-COMMENTS-DD PIC 9(02). 10 CMT-COUNTY-INFO. 15 CMT-COUNTY-DATA OCCURS 8 TIMES ASCENDING CMT-COUNTY-CODE INDEXED CMT-COUNTY-INDX. 20 CMT-COUNTY-CODE PIC 9(03). 20 CMT-COUNTY-NAME PIC X(30). 10 CMT-CONGRESS-INFO. 15 CMT-CONGRESS-DATA OCCURS 20 TIMES ASCENDING CMT-CONGRESS-DIST INDEXED CMT-CONGR-INDX. 20 CMT-CONGRESS-DIST-X. 25 CMT-CONGRESS-DIST PIC 9(02). **************************************************** * PROBATION DATA * **************************************************** 05 CMT-PROB-TRAILER-DATA. 10 R-PROB-TRAILER-INFO PIC X(1250). 10 CMT-PROB-TRAILER-INFO REDEFINES R-PROB-TRAILER-INFO OCCURS 25 TIMES ASCENDING CMT-PROBATION-KEY INDEXED CMT-PROB-INDX. 15 CMT-PROBATION-LAST-UPDATE-DATE. 20 CMT-PROB-LAST-UPDATE-CENTURY PIC 9(02). 20 CMT-PROB-LAST-UPDATE-YYMMDD. 25 CMT-PROB-LAST-UPDATE-YY PIC 9(02). 25 CMT-PROB-LAST-UPDATE-MM PIC 9(02). 25 CMT-PROB-LAST-UPDATE-DD PIC 9(02). 15 CMT-PROBATION-LAST-UPDATE-TIME PIC X(08). 15 CMT-PROBATION-IND-X. 20 CMT-PROBATION-IND PIC 9(01). EXHIBIT B-1 (Cont’d.). Record Layout of the Community File Appendix B B-5 Revision 4 (10/1/01) Change 3 Effective 10/1/02 15 CMT-PROBATION-SURCHARGE-DATE. 20 CMT-PROB-SURCH-CENTURY PIC 9(02). 20 CMT-PROB-SURCH-YYMMDD. 25 CMT-PROB-SURCH-YY PIC 9(02). 25 CMT-PROB-SURCH-MM PIC 9(02). 25 CMT-PROB-SURCH-DD PIC 9(02). 15 CMT-PROBATION-KEY. 20 CMT-PROBATION-EFFECTIVE-DATE. 25 CMT-PROB-EFFECT-CENTURY PIC 9(02). 25 CMT-PROB-EFFECT-YYMMDD. 30 CMT-PROB-EFFECT-YY PIC 9(02). 30 CMT-PROB-EFFECT-MM PIC 9(02). 30 CMT-PROB-EFFECT-DD PIC 9(02). 20 CMT-PROBATION-ENDING-DATE. 25 CMT-PROB-END-CENTURY PIC 9(02). 25 CMT-PROB-END-YYMMDD. 30 CMT-PROB-END-YY PIC 9(02). 30 CMT-PROB-END-MM PIC 9(02). 30 CMT-PROB-END-DD PIC 9(02). 15 CMT-FILLER-2 PIC X(09). **************************************************** * COMMUNITY RATING DATA * **************************************************** 05 CMT-CRS-TRAILER-DATA. 10 R-CRS-TRAILER-INFO PIC X(1250). 10 CMT-CRS-TRAILER-INFO REDEFINES R-CRS-TRAILER- INFO OCCURS 25 TIMES ASCENDING CMT-CRS-KEY INDEXED CMT-CRS-INDX. 15 CMT-CRS-LAST-UPDATE-DATE. 20 CMT-CRS-LAST-UPDATE-CENTURY PIC 9(02). 20 CMT-CRS-LAST-UPDATE-YYMMDD. 25 CMT-CRS-LAST-UPDATE-YY PIC 9(02). 25 CMT-CRS-LAST-UPDATE-MM PIC 9(02). 25 CMT-CRS-LAST-UPDATE-DD PIC 9(02). 15 CMT-CRS-LAST-UPDATE-TIME PIC X(08). 15 CMT-CRS-CREDIT-CLASS-X. 20 CMT-CRS-CREDIT-CLASS PIC 9(02). 15 CMT-CRS-PERCENT-SFHA-X. 20 CMT-CRS-PERCENT-SFHA PIC V99. 15 CMT-CRS-PERCENT-N-SFHA-X. 20 CMT-CRS-PERCENT-N-SFHA PIC V99. 15 CMT-CRS-KEY. 20 CMT-CRS-EFFECTIVE-DATE. 25 CMT-CRS-EFFECT-CENTURY PIC 9(02). 25 CMT-CRS-EFFECT-YYMMDD. 30 CMT-CRS-EFFECT-YY PIC 9(02). 30 CMT-CRS-EFFECT-MM PIC 9(02). 30 CMT-CRS-EFFECT-DD PIC 9(02). EXHIBIT B-1 (Cont’d.). Record Layout of the Community File Appendix B B-6 Revision 4 (10/1/01) Change 3 Effective 10/1/02 20 CMT-CRS-ENDING-DATE. 25 CMT-CRS-END-CENTURY 25 CMT-CRS-END-YYMMDD. PIC 9(02). 30 CMT-CRS-END-YY 30 CMT-CRS-END-MM 30 CMT-CRS-END-DD 15 CMT-CRS-NOTIFICATION-DATE. PIC PIC PIC 9(02). 9(02). 9(02). 20 CMT-CRS-NOTIF-CENTURY 20 CMT-CRS-NOTIF-YYMMDD. PIC 9(02). 25 CMT-CRS-NOTIF-YY 25 CMT-CRS-NOTIF-MM 25 CMT-CRS-NOTIF-DD 15 CMT-FILLER-3 PIC PIC PIC PIC 9(02). 9(02). 9(02). X(04). EXHIBIT B-1 (Cont’d.). Record Layout of the Community File Appendix B B-7 Revision 4 (10/1/01) Change 3 Effective 10/1/02 ******************************************************* * MAP DATA * ******************************************************* 01 COMMUNITY-PANEL-MSTR-RECORD 15 CM-PANEL-KEY. 20 CM-COMMUN-NBR PIC X(06). 20 CM-PANEL-SUFFIX PIC X(01). 20 CM-PANEL-NBR PIC X(04). 15 CM-PANEL-EFFECTIVE-DATE. 20 CM-PANEL-EFFECT-CENTURY PIC 9(02). 20 CM-PANEL-EFFECT-YYMMDD. 25 CM-PANEL-EFFECT-YY PIC 9(02). 25 CM-PANEL-EFFECT-MM PIC 9(02). 25 CM-PANEL-EFFECT-DD PIC 9(02). 15 CM-PANEL-RESCIND-DATE. 20 CM-PANEL-RESC-CENTURY PIC 9(02). 20 CM-PANEL-RESC-YYMMDD. 25 CM-PANEL-RESC-YY PIC 9(02). 25 CM-PANEL-RESC-MM PIC 9(02). 25 CM-PANEL-RESC-DD PIC 9(02). 15 CM-PANEL-REINSTATE-DATE. 20 CM-PANEL-REINSTATE-CENTURY PIC 9(02). 20 CM-PANEL-REINSTATE-YYMMDD. 25 CM-PANEL-REINSTATE-YY PIC 9(02). 25 CM-PANEL-REINSTATE-MM PIC 9(02). 25 CM-PANEL-REINSTATE-DD PIC 9(02). 15 CM-PANEL-STATUS PIC X(01). 15 CM-PANEL-LAST-UPDATE-DATE. 20 CM-PANEL-LAST-UPDATE-CENTURY PIC 9(02). 20 CM-PANEL-LAST-UPDATE-YYMMDD. 25 CM-PANEL-LAST-UPDATE-YY PIC 9(02). 25 CM-PANEL-LAST-UPDATE-MM PIC 9(02). 25 CM-PANEL-LAST-UPDATE-DD PIC 9(02). 15 CM-PANEL-LAST-UPDATE-TIME. PIC X(08). 15 CM-FLOOD-ZONE-AREA. 20 CM-ZONE-AREA-DATA OCCURS 50 TIMES ASCENDING CM-FIRM-ZONE INDEXED CM-ZONE-INDX. 25 CM-FILLER-4 PIC X(01). 25 CM-FIRM-ZONE. 30 CM-FLOOD-ZONE PIC X(01). 30 CM-ELEV-ZONE-NBR PIC X(02). 15 CM-CBRA/OPA-PANEL-IND PIC X(01). 15 CM-CBRA/OPA-EFFECTIVE-DATE. 20 CM-CBRA/OPA-EFF-CENTURY PIC X(02). 20 CM-CBRA/OPA-EFF-YYMMDD. 25 CM-CBRA/OPA-EFF-YY PIC X(02). 25 CM-CBRA/OPA-EFF-MM PIC X(02). 25 CM-CBRA/OPA-EFF-DD PIC X(02). 15 CM-FILLER-5 PIC X(39). EXHIBIT B-2. Record Layout of the Map Panel File Appendix B B-8 Revision 4 (10/1/01) Change 3 Effective 10/1/02 SECTION 2 - DAILY COMMUNITY CHANGE ACTIVITY An electronic data transfer system has been established for WYOcompanies to retrieve NFIP Community File information, which isupdated each working day, Monday through Friday, excludingholidays. Each day's activity will be available on the NFIP'sanonymous FTP site after 12:00 p.m. (noon). The FTP address isbureau.nfipstat.com. The directory is /ftpcommon/community. The files can also be retrieved from the NFIP’s web site: bsa.nfipstat.com. It is important to note that the files are overwritten weekly. Transactions must be retrieved regularly due to the fact that theywill be retained for a maximum period of 7 days. When this periodhas elapsed, the file will be overwritten with the new week’sdata. Daily transmission of change activity is accomplished with a255-byte record file entitled DAILYMMDD.day where “day” is thethree-letter abbreviation for the day of the week (e.g., DAILY0501.mon). The DAILY.DAT will have a zipped version calledDAILY.zip. The first three positions of each record carry therecord type, which identifies the type of data being transmitted. To identify the Community File information that has been changedand/or added, the company must compare the keys on the transmittedrecord to the information stored on their current files. The keysthat will be reported for each of the records are indicated onExhibits B-3 through B-8. If a match exists, then the informationon the fields reported with the keys is being updated. If there isno match, then all the information is new. Whenever a communityrecord is being transmitted, all key fields within that recordwill be present. Once a key has been established, the key will not change on arecord with the exception of a Community Rating System (CRS) information record (C05). On the C05 record, the ending date willbe zeroes (no ending date) for the latest classification on file. When a new CRS classification is given to a community, theeffective date of the old classification stays the same and anending date is provided. The new classification record will have anew effective date and the associated ending date will be zero. On change records, values will be reported only on data that havebeen changed. The fields associated with data that are not beingchanged are set to blank for alpha-numerics or zeroes fornumerics. When a value needs to be changed to either blank orzeroes, the field will be asterisk-filled. Please note, in allcases, the actual value will always be reported for key fields. If a key field's actual value is either blank or zero, then thevalue of blank or zero will be reported without conversion. Appendix B B-9 Revision 4 (10/1/01) Change 4 Effective 5/1/03 RECORD TYPES A. BASIC COMMUNITY INFORMATION CHANGED AND/OR NEW COMMUNITYADDED All of the basic information is transmitted in two records. The first three positions of each record carry the recordtypes of C01 and C02. Both record types must be present toreceive a complete community basic information record(Exhibits B-3 and B-4). All C01 and C02 records transmittedcontain the keys of State Identification and Community Number. B. MAP PANEL INFORMATION CHANGED AND/OR ADDED A record with the record type of C03 is transmitted (ExhibitB-5) when map panel information has been added and/or changed. These C03 records contain the keys of State Identification, Community Number, Map Panel Suffix, and Map Panel Number. C. PROBATION INFORMATION CHANGED AND/OR ADDED A record with the record type of C04 is transmitted (ExhibitB-6) when probation information has been added and/or changed. These C04 records contain the keys of State Identification, Community Number, Probation Effective Date, and ProbationEnding Date. D. COMMUNITY RATING (CRS) INFORMATION CHANGED AND/OR ADDED A record with the record type of C05 is transmitted (ExhibitB-7) when community rating information has been added and/orchanged. These C05 records contain the keys of StateIdentification, Community Number, CRS Effective Date, and CRSEnding Date. E. CONTROL TOTALS Control totals are provided in order for the company to verifythe receipt of all the data transmitted. The control totalrecord provides the number of communities participating inboth the Regular and Emergency Programs, the number ofsuspended communities, the number of communities on probation, and the number of communities not participating in the NFIP. These totals reflect the count from the full Community MasterFile and are provided so that a company may verify that theirCommunity Master File is synchronized with that of the NFIP. Additionally, the record provides a count of the total numberof records transmitted. The control record is contained at the end of the disk file. It is 255 bytes in length and isidentified by the record type of C06 (Exhibit B-8). Appendix B B-10 Revision 4 (10/1/01) Change 3 Effective 10/1/02 Field Record Data Element Length Position Picture Record Type (C01) 3 1-3 X(03) State Identification* 2 4-5 9(02) Community Number* 4 6-9 9(04) State Abbreviation 2 10-11 X(02) Alternate Key Community Name 8 12-19 X(08) Community Name 50 20-69 X(50) Community Status 2 70-71 9(02) Pointer Community 6 72-77 9(06) Region Number 2 78-79 X(02) Annexation Date 8 80-87 9(08) Inland Costal Code 1 88 X(01) CBRA Indicator 1 89 X(01) Program Type Code 2 90-91 9(02) Flood Proof Eligibility 1 92 X(01) Letter Conversion Code 1 93 9(01) FHBM Date - Initial 8 94-101 9(08) FHBM Status - Initial 2 102-103 9(02) Emergency Entry Date 8 104-111 9(08) Post FIRM Determination Date 8 112-119 9(08) FIRM Date - Current 8 120-127 9(08) FIRM Status - Current 2 128-129 9(02) Regular Entry Date 8 130-137 9(08) Suspension Date 8 138-145 9(08) Suspension Reason 1 146 9(01) Suspension Reinstatement Date 8 147-154 9(08) Withdrawal Date 8 155-162 9(08) Withdrawal Reinstatement Date 8 163-170 9(08) Latest Map Panel Suffix 1 171 X(01) Latest Map Panel Number 4 172-175 X(04) Community Data Last Update Date 8 176-183 9(08) Community Data Last Update Time 8 184-191 X(08) Filler 64 192-255 X(64) *Keys EXHIBIT B-3. Community Basic Information Record - Transaction 01 Appendix B B-11 Revision 4 (10/1/01) Change 3 Effective 10/1/02 Field Record Data Element Length Position Picture Record Type (C02) 3 1-3 X(03) State Identification* 2 4-5 9(02) Community Number* 4 6-9 9(04) County Number** 3 10-12 9(03) County Name** 30 13-42 X(30) County Number** 3 43-45 9(03) County Name** 30 46-75 X(30) County Number** 3 76-78 9(03) County Name** 30 79-108 X(30) County Number** 3 109-111 9(03) County Name** 30 112- 141 X(30) County Number** 3 142- 144 9(03) County Name** 30 145-174 X(30) County Number** 3 175-177 9(03) County Name** 30 178-207 X(30) County Number** 3 208-210 9(03) County Name** 30 211-240 X(30) Filler 15 241-255 X(15) *Keys ** Up to 7 counties will be transmitted. If a community contains more than 7 counties, please contact yourWYO Program Coordinator to obtain the additionalcounty information. Any changes to countyinformation will cause all the valid countyinformation for a community to be transmitted. Allcounty information can be treated as replacement. EXHIBIT B-4. Community Basic Information Record - Transaction 02 Appendix B B-12 Revision 4 (10/1/01) Change 3 Effective 10/1/02 Field Record Data Element Length Position Picture Record Type (C03) 3 1-3 X(03) State Identification* 2 4-5 9(02) Community Number* 4 6-9 9(04) Filler 4 10-13 X(04) Map Panel Suffix* 1 14 X(01) Map Panel Number* 4 15-18 X(04) Map Panel Effective Date 8 19-26 9(08) Map Panel Rescind Date 8 27-34 9(08) Map Panel Reinstatement Date 8 35-42 9(08) Map Panel Status 1 43 X(01) Map Panel Last Update Date 8 44-51 9(08) Map Panel Last Update Time 8 52-59 X(08) Flood Risk Zone Information** Occurs 50 Times 150 60-209 X(150) Flood Risk Zones 3 X(03) Map CBRA/OPA Panel Indicator 1 210 X(01) Map CBRA/OPA Effective Date 8 211-218 9(08) Filler 37 219-255 X(37) *Keys ** All valid flood risk zones for the community map panel will be transmitted when there is any change to flood risk zone information. All flood risk zone information can be treated as replacement. EXHIBIT B-5. Map Panel Record - Transaction 03 Appendix B B-13 Revision 4 (10/1/01) Change 3 Effective 10/1/02 Field Record Data Element Length Position Picture Record Type (C04) 3 1-3 X(03) State Identification* 2 4-5 9(02) Community Number* 4 6-9 9(04) Probation Trailer Counter 4 10-13 9(04) Probation Effective Date* 8 14-21 9(08) Probation Ending Date* 8 22-29 9(08) Probation Indicator 1 30 9(01) Probation Surcharge Start Date 8 31-38 9(08) Probation Last Update Date 8 39-46 9(08) Probation Last Update Time 8 47-54 X(08) Filler 201 55-255 X(201) *Keys EXHIBIT B-6. Probation Data Record - Transaction 04 Appendix B B-14 Revision 4 (10/1/01) Change 3 Effective 10/1/02 Field Record Data Element LengthPosition Picture Record Type (C05) 3 1-3 X(03) State Identification* 2 4-5 9(02) Community Number* 4 6-9 9(04) CRS Trailer Counter 4 10-13 9(04) CRS Credit Classification 2 14-15 9(02) CRS Non-SFHA Percentage 2 16-17 V99 CRS SFHA Percentage 2 18-19 V99 CRS Effective Date* 8 20-27 9(08) CRS Ending Date* 8 28-35 9(08) CRS Notification Date 8 36-43 9(08) CRS Last Update Date 8 44-51 9(08) CRS Last Update Time 8 52-59 X(08) Filler 196 60-255 X(196) *Keys EXHIBIT B-7. Community Rating Data Record - Transaction 05 Appendix B B-15 Revision 4 (10/1/01) Change 3 Effective 10/1/02 Field Record Data Element LengthPosition Picture Record Type (C06) 3 1-3 X(03) Regular Program 6 4-9 9(06) Emergency Program 6 10-15 9(06) Suspended Communities 6 16-21 9(06) Probation Communities 6 22-27 9(06) Non-Participating 6 28-33 9(06) Total Records Transmitted 6 34-39 9(06) Filler 216 40-255 X(216) EXHIBIT B-8. Control Total Record Appendix B B-16 Revision 4 (10/1/01) Change 3 Effective 10/1/02 SECTION 3 - WEEKLY HARDCOPY REPORTS The weekly hardcopy reports provide the net changes of theCommunity Master File (CMF) Activity of the preceding businessweek. The net changes for the week are determined by comparingMonday's CMF with Friday's CMF. The reports are sent in paper formthrough normal mail service. (See Exhibits B-9 and B-12.) On change records, values will be reported only on data that havebeen changed. The fields associated with data that are not beingchanged are set to blank for both alpha-numeric and numericfields. When a value needs to be changed to either blank foralpha-numeric or zeroes for numeric, the field will be asterisk- filled. Appendix B B-17 Revision 4 (10/1/01) Change 3 Effective 10/1/02 Report: W2RCMCRP Federal Emergency Management Agency PAGE: X Rundate: XX/XX/XXXX National Flood Insurance Program Runtime: XX.XX.XX Basic Information Community Report Community: XX-XXXX State: XX Status: XX - XXXXXXXXXXXXXXXXXXX Comm Name: XXXXXXXXXXXXXXXXXXXXXXXXXX Post FIRM DTR: XX/XX/XXXX Inland Cstal: X CBRA: X PROGRAM: X - XXXXXXXXXXXXXXXXXXXXXXXXXXX Flood Prf Elig: X Letter Conversion: X Alt. Key: XX - XXXXXXXX Annexation Date: XX/XX/XXXX Pointer Community: XX-XXXX Region: XX Emer. Ent: XX/XX/XXXX Reg. Ent: XX/XX/XXXX Suspend Rein: XX/XX/XXXX Initial FHBM: XX/XX/XXXX Status: XX - XXXXXXXXXXXXXXXXXXXX Current FIRM: XX/XX/XXXX Status: XX - XXXXXXXXXXXXXXXXXXXX Suspension: XX/XX/XXXX Status: XX - XXXXXXXXXXXXXXXXXXXX Withdrawal Date: XX/XX/XXXX Withdrawal Reinstatement: XX/XX/XXXX Latest Map Suffix: X Latest Map Panel Number: XXXX County 1: XXX-XXXXXXXXXXXXXXXXXXXXXXXXXXX County 2: XXX-XXXXXXXXXXXXXXXXXXXXXXXXXXX County 3: XXX-XXXXXXXXXXXXXXXXXXXXXXXXXXX County 4: XXX-XXXXXXXXXXXXXXXXXXXXXXXXXXX County 5: XXX-XXXXXXXXXXXXXXXXXXXXXXXXXXX County 6: XXX-XXXXXXXXXXXXXXXXXXXXXXXXXXX County 7: XXX-XXXXXXXXXXXXXXXXXXXXXXXXXXX Last Update Date and Time: XX/XX/XXXX XXXXXXXX EXHIBIT B-9. Weekly Hardcopy Report Format - Basic Information Community Report Appendix B B-18 Revision 4 (10/1/01) Change 3 Effective 10/1/02 Report: W2RCMMRP Federal Emergency Management Agency PAGE: X Rundate: XX/XX/XXXX National Flood Insurance ProgramRuntime: XX.XX.XX Community Map Report Community: XX-XXXX State: XX Effect. Rescind Reinst Update UpdateSuffix Number Date Date Date Date Time Status X XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX X Flood Zones: XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX CBRA/OPA Information: Map CBRA/OPA Panel Ind Map CBRA/OPA Effective Date X XX/XX/XXXX X XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX X Flood Zones: XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX CBRA/OPA Information: Map CBRA/OPA Panel Ind Map CBRA/OPA Effective Date X XX/XX/XXXX EXHIBIT B-10. Weekly Hardcopy Report Format - Community Map Report Appendix B B-19 Revision 4 (10/1/01) Change 3 Effective 10/1/02 Report: W2RCMPRP Federal Emergency Management Agency PAGE: X Rundate: XX/XX/XXXX National Flood Insurance ProgramRuntime: XX.XX.XX Community Probation Report Community: XX-XXXX State: XX Status: XX - XXXXXXXXXXXXXXXXXXX Comm Name: XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX Effective Trl Date Ending Date Surcharge Date Indicator X XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX X - XXXXXXXXXXXXXXXXXXXX Last Update Date and Time: XX/XX/XXXX XXXXXXXX X XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX X - XXXXXXXXXXXXXXXXXXXX Last Update Date and Time: XX/XX/XXXX XXXXXXXX X XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX X - XXXXXXXXXXXXXXXXXXXX Last Update Date and Time: XX/XX/XXXX XXXXXXXX X XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX X - XXXXXXXXXXXXXXXXXXXX Last Update Date and Time: XX/XX/XXXX XXXXXXXX X XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX X - XXXXXXXXXXXXXXXXXXXX Last Update Date and Time: XX/XX/XXXX XXXXXXXX EXHIBIT B-11. Weekly Hardcopy Report Format - Community Probation Report Appendix B B-20 Revision 4 (10/1/01) Change 3 Effective 10/1/02 Report: W2RCMRRP Federal Emergency Management Agency PAGE: X Rundate: XX/XX/XXXX National Flood Insurance ProgramRuntime: XX.XX.XX Community Rating Report Community: XX-XXXX State: XX Status: XX - XXXXXXXXXXXXXXXXXXX Comm Name: XXXXXXXXXXXXXXXXXXXXXXXXXX Effective Notification SFHA Non-SFHA Trl Date Ending Date Date Class Perc Perc X XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX .XX .XX Last Update Date and Time: XX/XX/XXXX XXXXXXXX X XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX .XX .XX Last Update Date and Time: XX/XX/XX XXXXXXXX X XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX .XX .XX Last Update Date and Time: XX/XX/XX XXXXXXXX X XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX .XX .XX Last Update Date and Time: XX/XX/XXXX XXXXXXXX EXHIBIT B-12. Weekly Hardcopy Report Format - Community Rating Report Appendix B B-21 Revision 4 (10/1/01) Change 3 Effective 10/1/02 SECTION 4 - COMMUNITY FILE DATA DICTIONARY The NFIP Community File is a collection of data records insequence by community number providing information on communitystatus, eligibility dates, maps, and flood risk zones. All dataused by the NFIP facility and subsequently transmitted to WYOcompanies are based on data transmitted from the Federal Insuranceand Mitigation Administration (FIMA) and stored at the NFIPfacility as well as hardcopy notices received from FIMA andFederal Emergency Management Agency (FEMA). ANNEXATION DATE The effective date of the community annexation with another community. Format = yyyymmdd. File: CMT-ANNEXATION-DATE CBRA INDICATOR The code indicating whether this is a community that contains aBarrier area (CBRA). The codes are: 0 = Not CBRA (default) 1 = CBRA File: CMT-CBRA-IND CBRA/OPA PANEL INDICATOR The code indicating whether this map panel contains a Barrier area(CBRA). The codes are: C = CBRA O = OPA B = BOTH File: CMT-CBRA/OPA-PANEL-IND blank (default) CBRA/OPA EFFECTIVE DATE The date this map panel was identified as containing a Barrierarea (CBRA). Format = yyyymmdd. File: CMT-CBRA/OPA-EFFECTIVE-DATE COMMENT Free form comment field. Further information on community statusis provided. This field is only provided on magnetic tape. File: CMT-COMMENTS COMMENT DATE The date on which the comment field was updated. This field isonly provided on magnetic tape. File: CMT-COMMENTS-DATE Appendix B B-22 Revision 4 (10/1/01) Change 3 Effective 10/1/02 COMMUNITY DATA LAST UPDATE DATE The last date of an update to the basic community informationsection of the Community Master File. Format = yyyymmdd. File: CMT-COMMUN-LAST-UPDATE-DATE COMMUNITY DATA LAST UPDATE TIME The time of the last update to the basic community information section of the Community Master File. File: CMT-COMMUN-LAST-UPDATE-TIME COMMUNITY NAME Name of the community assigned by FIMA. File: CMT-COMMUN-NAME COMMUNITY NUMBER This is the community identification number and is part of the record key in the Community Master File. This is a unique numberassigned to each community by the National Flood InsuranceProgram. The first two digits identify the state where thecommunity is located. The last four digits are the communityidentification. Together, this number is the record key. File: CMT-COMMUN-NBR COMMUNITY RATING COUNTER The total number of occurrences in the Community Rating Section. File: CMT-CRS-TRAILER-CNT Appendix B B-23 Revision 4 (10/1/01) Change 3 Effective 10/1/02 COMMUNITY RATING SECTION (multiple occurrence - NOTE: no trailerwill appear if the community neverparticipated as a class 9 or better) COMMUNITY RATING SYSTEM CREDIT CLASSIFICATION This is the classification given to a community based on its activities, class one having the greatest premium credit andclass ten having no premium credit. File: CMT-CRS-CREDIT-CLASS CRS NON-SFHA PERCENTAGE This is the discount credit percentage applied to flood insurance policies in zones B, C, X, D, and A99. Policies inAR zones receive non-SFHA percentage effective on or after5/1/99. File: CMT-CRS-PERCENT-N-SFHA CRS SFHA PERCENTAGE This is the discount credit percentage applied to flood insurance policies in zones A, AE, AO, AH, V, and VE. Policiesin AR zones receive SFHA percentage effective prior to 5/1/99. File: CMT-CRS-PERCENT-SFHA CRS EFFECTIVE DATE This is the date on which community's classification becameeffective. Format = yyyymmdd. File: CMT-CRS-EFFECTIVE-DATE CRS ENDING DATE This is the date on which community's classification is no longer effective. Format = yyyymmdd. File: CMT-CRS-ENDING-DATE Appendix B B-24 Revision 4 (10/1/01) Change 3 Effective 10/1/02 CRS NOTIFICATION DATE This is the date on which the Federal Insurance and MitigationAdministration notifies the NFIP Bureau and Statistical Agentof a community's classification. Format = yyyymmdd. File: CMT-CRS-NOTIFICATION-DATE CRS DATA LAST UPDATE DATE The last date of the update to the CRS information section ofthe Community Master File. This section includes all thefields up to this point. Format = yyyymmdd. File: CMT-CRS-LAST-UPDATE-DATE CRS DATA LAST UPDATE TIME The time of the last update to the CRS information section ofthe Community Master File. File: CMT-CRS-LAST-UPDATE-TIME End of Community Rating Section COMMUNITY STATUS A code indicating the current status of the community in theNational Flood Insurance Program. The codes are: 00 = not participating 01 = participating 02 = on probation 03 = suspended 04 = withdrawn 05 = defunct - The community has dissolved, disincorporated, merged with anothercommunity, been annexed by another community, or for other reasons no longer exists as anNFIP community. 06 = Not an NFIP Community - The community does not have land use jurisdiction over any area and, therefore, does not meet the NFIP definitionof "community." In all cases, some othercommunity exercises land use jurisdiction overthe area. File: CMT-COMMUN-STATUS-X Appendix B B-25 Revision 4 (10/1/01) Change 3 Effective 10/1/02 COUNTY INFORMATION SECTION (multiple occurrences; includes code, name) COUNTY CODE The FIPS standard county code. File: CMT-COUNTY-CODE COUNTY NAME The FIPS standard county name. File: CMT-COUNTY-NAME End of County Information Area CONGRESSIONAL DISTRICTS (multiple occurrences) The congressional district(s) for this community. This field is only provided on magnetic tape. File: CMT-CONGRESS-DIST EMERGENCY ENTRY DATE The date the community entered the Emergency Program. Format = yyyymmdd. Field will be zeros if never in Emergency Program. File: CMT-EMERGENCY-ELIG-DATE FHBM DATE - INITIAL The initial date the Flood Hazard Boundary Map went into effect. Format = yyyymmdd. File: CMT-INITIAL-FHBM-DATE FHBM STATUS - CURRENT The code indicating the status of the latest Flood Hazard Boundary Map. The codes are: 01 = FHBM never mapped (default for participating communities) 02 = original 03 = revised 04 = rescinded 05 = superseded by FIRM Blank = default non-participating communities File: CMT-FHBM-STATUS-X Appendix B B-26 Revision 4 (10/1/01) Change 4 Effective 5/1/03 FIRM DATE - CURRENT The effective date of the latest Flood Insurance Rate Map. Format= yyyymmdd. Field will be zeros if no map issued as in the case ofFIRM status of '01', '05', and '08'. For a FIRM status of '01', the community may be using the county's map. File: CMT-CURRENT-FIRM-DATE FIRM DATE - INITIAL The date of the initial Flood Insurance Rate Map. Also referred to as the Post-FIRM Determination Date (see definition). File: CMT-FIRM-EFFECTIVE-DATE FIRM STATUS - CURRENT The code indicating the status of the latest Flood Insurance RateMap. The codes are: 01 = never mapped (default for participating communities) 02 = initial 03 = revised 04 = rescinded 05 = all zone C and X - no published FIRM06 = all zones A, C, and X - no elevation determined07 = all zones A, C, and X - original FIRM by letter08 = all zone D - no published FIRMBlank = default non-participating communities File: CMT-CURRENT-FIRM-STATUS-X FLOOD PROOF ELIGIBILITY The code indicating the type of flood proofing eligibility. Thecodes are: A = non-residential only (default for participating communities) B = non-residential or residential basements Blank = default non-participating communities File: CMT-FLOOD-PROOF-FLAG Appendix B B-27 Revision 4 (10/1/01) Change 4 Effective 5/1/03 FLOOD RISK ZONE (multiple occurrences within Map Panel Section) The code indicating the valid flood risk within an area. The codesare: A, AS, AA = base flood elevations and flood hazard factors not determined. AS and AA are not separatelyidentified flood risk zones but are used for rating purposes by theNFIP Direct system prior to October1, 1993, and therefore, carried onthe file. AE, A01 - A30 = base flood elevations and flood hazard factors determined AH, AHB = shallow flooding where depths arebetween 1 and 3 feet; base floodelevations are shown, but no floodhazard factors are determined. AHB is not a separately identifiedflood risk zone but is used for rating purposes and, therefore, carried on the file. AO, AOB = shallow flooding where depths arebetween 1 and 3 feet; averagedepths of inundation are shown, butno flood hazard factors are determined. AOB is not a separatelyidentified flood risk zone but is used for rating purposes and, therefore, carried on the file. A99 = area to be protected by floodprotection system underconstruction; base flood elevationsand flood hazard factors not determined. B, C, X = minimal/moderate flooding withaverage depths of less than 1 footor where the contributing drainagearea is less than 1 square mile; orareas protected by levees from thebase flood. AR, ARE, ARA, ARO, ARH = AR and AR Dual zones (see DataDictionary in TRRP plan under dataelement “Flood Risk Zone”) Appendix B B-28 Revision 4 (10/1/01) Change 3 Effective 10/1/02 D = area of undetermined, but possible, flood hazards V = coastal flood with velocity (waveaction); base flood elevations andflood hazard factors not determined VE, V01 - V30 = coastal flood with velocity (waveaction); base flood elevations andflood hazard factors determined File: CMT-FIRM-ZONE GENERIC KEY A generic key used to access the file by community name and stateinstead of the community number. This field consists of the alphastate code and the first eight letters of the community name. File: CMT-ALTERNATE-KEY-STATE State Abbreviation CMT-ALTERNATE-KEY-COMM first eight ALTERNATE-KEY state abbreviation + first eightcharacters of the community name. INLAND COASTAL CODE The code indicating the type of water body affecting thecommunity. The codes are: C = coastal I = inland blank = unknown File: CMT-INLAND-COAST-CODE Appendix B B-29 Revision 4 (10/1/01) Change 3 Effective 10/1/02 LETTER CONVERSION CODE The code indicating the type of conversion from the EmergencyProgram to the Regular Program. The codes are: 0 = No Conversion (default) 1 = FHBM converted to FIRM 2 = no SFHA - Regular Program with no FIRM3 = speedy conversion File: CMT-LETTER-CONVERSION-IND LATEST MAP PANEL NUMBER The map panel number of the associated map panel suffix of the latest map panel for a community. The latest map panel for acommunity is not necessarily the highest map panel suffix and mappanel number. There are rare situations where a lower suffix willbe used for the latest map. File: CMT-LATEST-PANEL-NBR LATEST MAP PANEL SUFFIX The map panel suffix of the latest map panel for a community. The latest map for a community is not necessarily the highest mappanel suffix and map panel number. There are rare situations wherea lower suffix will be used for the latest map. File: CMT-LATEST-PANEL-SUFFIX MAP PANEL SECTION (multiple occurrences) MAP PANEL DATA LAST UPDATE DATE The last date of the update to the map panel information section of the Community Master File. Format = yyyymmdd. File: CMT-PANEL-LAST-UPDATE-DATE Appendix B B-30 Revision 4 (10/1/01) Change 3 Effective 10/1/02 MAP PANEL DATA LAST UPDATE TIME The time of the last update to the map panel information section of the Community Master File. File: CMT-PANEL-LAST-UPDATE-TIME MAP PANEL EFFECTIVE DATE The effective date of the map panel. Format = yyyymmdd. File: CMT-PANEL-EFFECTIVE-DATE MAP PANEL NUMBER The panel number of the map. Valid values are: 0000 = FHBM or NFIP Historical Map Information 0001 ->9999 = folded map panel number Note: Blanks are also allowed as a valid value. See definition for Map Panel Number in Part 4 – DataDictionary. File: CMT-PANEL-NBR MAP PANEL RESCIND DATE The date the map panel was rescinded. Format = yyyymmdd. File: CMT-PANEL-RESCIND-DATE MAP PANEL REINSTATEMENT DATE The date the map panel was reinstated. Format = yyyymmdd. File: CMT-PANEL-REINSTATE-DATE Appendix B B-31 Revision 4 (10/1/01) Change 4 Effective 5/1/03 MAP PANEL STATUS The code indicating the status of the map panel. Codes are: A = active R = rescinded File: CMT-PANEL-STATUS MAP PANEL SUFFIX The map panel suffix. File: CMT-PANEL-SUFFIX End of Map Panel Section POINTER COMMUNITY The community number used as a pointer to the correct community when the community number in this record is no longer valid (i.e., annexed). This field will be zeros when not used. The community status will be 05 when this field is used. File: CMT-POINTER-COMMUN-NBR POST FIRM DETERMINATION DATE The date of the initial Flood Insurance Rate Map. Format = yyyymmdd. File: CMT-FIRM-EFFECTIVE-DATE PROBATION INFORMATION COUNTER The total number of occurrences in the Probation Information Section. File: CMT-PROB-TRAILER-COUNT Appendix B B-32 Revision 4 (10/1/01) Change 4 Effective 5/1/03 PROBATION INFORMATION SECTION(multiple occurrence) PROBATION DATA LAST UPDATE DATE The last date of the update to the probation information section of the Community Master File. Format = yyyymmdd. File: CMT-PROBATION-LAST-UPDATE-DATE PROBATION DATA LAST UPDATE TIME The time of the last update to the probation information section of the Community Master File. File: CMT-PROBATION-LAST-UPDATE-TIME PROBATION EFFECTIVE DATE The date the community went on probation. Format = yyyymmdd. File: CMT-PROBATION-EFFECTIVE-DATE PROBATION ENDING DATE The date the community went off of probation. The surcharge period always lasts 1 year from the probation surcharge start date. Format = yyyymmdd. File: CMT-PROBATION-ENDING-DATE PROBATION INDICATOR The code indicating the probation status for the community. The codes are: 0 = not on probation 1 = on probation 2 = complied prior to probation 3 = probation pending 4 = probation in error 5 = probation lifted File: CMT-PROBATION-IND-X Appendix B B-33 Revision 4 (10/1/01) Change 3 Effective 10/1/02 PROBATION SURCHARGE START DATE The date of the probation surcharge period. The surchargeperiod always lasts 1 year from the probation surcharge startdate. Format = yyyymmdd. File: CMT-PROBATION-SURCHARGE-DATE End of Probation Information Section PROGRAM TYPE CODE The code indicating the type of program that the community isparticipating under. The codes are: 00 = None (non-participating community) 01 = Emergency Program02 = Regular Program03 = Regular Program - direct entry File: CMT-PROGRAM-TYPE-CODE-X REGION NUMBER Identifies the Federal Emergency Management Agency region in which the community is located. File: CMT-REGION-NBR REGULAR ENTRY DATE The date the community entered the Regular Program. This date need not be the same as the FIRM Effective Date when the communityenters the program some time after the initial FIRM is issued. Format = yyyymmdd. File: CMT-REGULAR-ELIG-DATE SUSPENSION DATE - CURRENT Date that the community was suspended from the National Flood Insurance Program. Format = yyyymmdd. The field will be zero ifthe community is not suspended. File: CMT-SUSPEND-DATE Appendix B B-34 Revision 4 (10/1/01) Change 3 Effective 10/1/02 SUSPENSION REASON CODE - CURRENT The reason code for suspension from the National Flood InsuranceProgram. This field is required when Current Suspension Date isgreater than zero. The codes are: 0 = reason for suspension is unknown1 = did not adopt regulations 2 = failed to enforce regulations File: (New) CMT-SUSPENSION-REASON-X SUSPENSION REINSTATEMENT DATE The date the community was reinstated into the National Flood Insurance Program. Format = yyyymmdd. File: CMT-REINSTATE-DATE WITHDRAWAL DATE The date the community withdrew from the National Flood Insurance Program. Format = yyyymmdd. File: CMT-WITHDRAWAL-DATE WITHDRAWAL REINSTATEMENT DATE The date the withdrawn community re-enters the National Flood Insurance Program. Format = yyyymmdd. File: CMT-WITHDRAWAL-REIN-DATE Appendix B B-35 Revision 4 (10/1/01) Change 3 Effective 10/1/02 APPENDIX C - ERROR REPORTING TABLE OF CONTENTS Page INTRODUCTION................................................C-1 Section 1 - Policy Error Information........................C-2 A. Descriptions and Examples ofPolicy Error Reports .......................C-2 B. FTP Transmission of Policy Error Information ...................C-11 Section 2 - Claims Error Information........................C-21 A. Descriptions and Examples ofClaims Error Reports .......................C-21 B. FTP Transmission of Claims Error Information ...................C-34 Section 3 - Rejected Transaction Information................C-42 A. Descriptions and Examples ofRejected Transaction Reports ...............C-42 B. FTP Transmission of Rejected Transactions ......................C-61 Section 4 - Ineligible Policy Error Information.............C-63 A. Descriptions and Examples ofPolicy Error Reports .......................C-63 Section 5 – Ineligible Claims Error Information.............C-77 A. Descriptions and Examples ofClaims Error Reports .......................C-77 Section 6 – Target Group Additional Data Information........C-84 A. Descriptions and Examples ofError and Reject Reports ...................C-84 Appendix C C-i Revision 4 (10/1/01) Change 7 Effective 5/1/05 APPENDIX C - ERROR REPORTING LIST OF EXHIBITS Exhibit Page C-1 Policy Detail Error Report......................C-5 C-2 Policy Error Summary............................C-8 C-3 Policy Database Error Statistics................C-10 C-4 Claims Detail Error.............................C-24 C-5 Claims Error Summary............................C-27 C-6 Loss Records Error Statistics...................C-29 C-7 Losses Open More Than 120 Days by Company Number.......C-31 C-8 Open Losses by Company Number – ICC Losses Only........C-33 C-9 Rejected Policy Detail Transaction Report.......C-45 C-10 Policy Reject Summary Report....................C-48 C-11 Rejected Policy Transaction Statistics..........C-51 C-12 Rejected Claims Detail Transaction Report.......C-54 C-13 Claims Reject Summary Report....................C-57 C-14 Rejected Loss Transaction Statistics............C-60 C-15 Invalid Preferred Risk Policies Based on Loss History..................................C-67 C-16 Invalid Preferred Risk Policies Based on Ineligible Flood Risk Zone....................C-71 C-17 Invalid Policies................................C-73 C-18 Ineligible/Invalid Policies by Error Code and Company.......................................C-76 C-19 Invalid Losses..................................C-80 C-20 Ineligible/Invalid Losses by Error Code and Company.......................................C-83 C-21 Target Group Additional Data Reject Report......C-86 C-22 Target Group Additional Data Record Not Received Report...............................C-88 Appendix C C-ii Revision 4 (10/1/01) Change 6 Effective 5/1/04 APPENDIX C – ERROR REPORTING INTRODUCTION Information about errors is produced each month by the NFIP/WYOSystem based on editing of WYO company data during the processingof the monthly submissions and updating of the system data base. All policy and loss records against which valid transactions havebeen applied in a reporting month are edited. Policy data are stored within a policy record by the reportedeffective dates, whether they are Policy Effective Dates orEndorsement Effective Dates. Loss data are stored within a loss record only by the primary keys, the Date of Loss and PolicyNumber. Error flags that are set during the editing process arestored with the associated effective dates or dates of loss. Clearing errors requires the submission of the appropriateeffective date or date of loss on the transaction used to correct the error condition. Error codes are keyed to the WYO Edit Specifications document. While brief error messages are associated with the codes, the WYOEdit Specifications document must be consulted for more detailedinformation about the edit, which the reported data failed topass. For the purpose of tracking the age of errors, each errorcode stored in a policy or loss record is assigned an error date. This date is, by convention, the last day of the reporting monthfor which the WYO company submitted the data. WYO companies receive error information at the detailed recordlevel via FTP and the summary level via reports formatted for theFTP for each of three categories: policies, claims, and rejectedtransactions. This appendix contains descriptions and examplesof the available reports and record layout description of theerror files. Companies receiving error data for the first time can be providedwith a file containing a table of error codes, error messages, the data elements associated with each error code, and thecritical/non-critical status of the error in order to generatetheir own error reports. A description and record layout of theerror code table can be provided with the file. Appendix C C-1 Revision 4 (10/1/01) Change 7 Effective 5/1/05 SECTION 1 – POLICY ERROR INFORMATION A. DESCRIPTIONS AND EXAMPLES OF POLICY ERROR REPORTS Descriptions and examples of the following Policy ErrorReports are provided: • Policy Detail Error Report (W2RPRPOL) • Policy Error Summary Report (W2RHPSUM) • Policy Data Base Error Statistics Report (W2PRPR03) Appendix C C-2 Revision 4 (10/1/01) Effective 12/31/00 W2RPRPOL Policy Detail Error Report Description: This report is produced on a special request basis only after the processing of WYO company TRRPsubmissions. All policy records against whichvalid transactions have been applied in a reportingmonth are edited. If these edited policy recordscontain errors, they are included in this reporteven if the only errors in the policy record werecaused by transaction activity from a previousreporting month. In the NFIP/WYO System, data within policy recordsare stored by the reported effective dates, whetherPolicy Effective Dates or Endorsement EffectiveDates. Policy and error information is displayedin this report by Endorsement Effective Date. (Note: The NFIP/WYO System also stores the PolicyEffective Date submitted with New Business [11] andRenewal [17] Transactions in an EndorsementEffective Date field.) W2RPRPOL contains a reportfor each Policy Number and Endorsement EffectiveDate with which errors are associated. Report Keys: W2RPRPOL is keyed by Company Code, Policy Number, Endorsement Effective Date, and Policy Error Codes. Company Code: This is the highest key andindicates to which WYO company thereport applies. Policy Number: Policies that had activity in thecurrent reporting month and haveold or new policy errors will beincluded in this report. If there are no errors for a particularpolicy, W2RPRPOL will still displayany information on the policy. Appendix C C-3 Revision 4 (10/1/01) Effective 12/31/00 Endorsement Effective Date (includesPolicyEffective Date): As previously described, allinformation is displayed by the Endorsement Effective Date under which it is stored. If none of the policy record information associated with a particular Endorsement Effective Date is in error, then the report will stillbe generated for that EndorsementEffective Date. The Endorsement Effective Date with which an error is associated must be included in the transaction submitted to correct the error condition. Policy ErrorCode: All errors associated with the Endorsement Effective Date are listed by error code. This error code is keyed to the WYO EditSpecifications document. Also included are the error date, whether the error is classified as critical or non-critical, and abrief error message. Refer to the WYO Edit Specifications documentfor more detailed information about the edit that the reported datafailed to pass. Appendix C C-4 Revision 4 (10/1/01) Effective 12/31/00 REPORT W2RPRPOL FEDERAL EMERGENCY MANAGEMENT AGENCY PAGE 1 RUN DATE JAN 15, 1998 NATIONAL FLOOD INSURANCE PROGRAM RUN TIME 15:34:05 POLICY DETAIL ERROR REPORT AS OF 10/11/1997 WYO PREFIX CODE: 99999 – ABC INSURANCE CO. END EFF DATE: 06/02/1991POL NUM: 1909700256 POL EXP DATE: 06/02/1992POL EFF DATE: 06/02/1991 POL STATUS: A ** CANCELLATION INFORMATION ** REINSTATEMENT DATE: CANCELLATION DATE: CANCEL/VOID REASON: TOTAL REFUND .00 NFIP TOTAL REFUND: .00 REFUNDED FPF: .00 NFIP REFUNDED FPF: .00 ** ENDORSEMENT INFORMATION ** WYO TRANS DATE: 1991/06/02 WYO TRAN CODE: 11 POST FIRM IND: N FLOOD RISK ZONE: A12 COMM NO: 065034XXXXX FLOOD PROOFED IND: N REG/EMER IND: R NUM OF FLOORS: 1 OCCUPANCY TYPE: 2 SMALL BUSINESS IND: N BASE/ENCLOSE TYPE: 0 STATE OWNED IND: N CONDO IND: N ELEV BLDG IND: N BLDG COURSE CONST: N LOC OF CONTS: 3 OBSTR TYPE: 10 DED BLDG: 1 POL TERM IND: 1 DED CONT: ORIG CONSTR DATE: 1974/07/01 ELEV DIFF: 999 TOT AMT INS BLDG: 770 TOT AMT INS CONT: 0 RISK RATING METHOD: 1 POST 81 V ZONE: INSUR TO VALUE IND: CONDO UNITS: 1 COV REQ DIST ASST: 0 ELEV CERTIFICATE: N BFE: 9999.0 LFE: 9999.0 LOWEST ADJ GRADE: 9999.0 DIAGRAM NO: ELEV CERT. DATE: ROLLOVER: N DESCR INFO IND: N TAX ID: NAME: JANE DOE NAME FORMAT: P ADDRESS 1: ADDRESS 2: CITY STATE ZIP: HUNTINGTON BCH, CA 92646 0000 NFIP CALC ZIP 92646-2045 PRINCIPAL RESIDENCE IND: Y ** WYO COMPANY CALCULATED INFORMATION ** PREM PAY IND: C TOT PREM: 203 END PREMIUM: 251 EXP CONST: 0 FPF: 25 ICC PREMIUM: 275 PROB SRCH: 0 DED DISCOUNT %: .000 CRS CLASS %: 0 BASIC BLDG RATE: .45 BASIC CONT RATE: .55 ADD BLDG RATE: .17 ADD CONT RATE: .25 ** NFIP CALCULATED INFORMATION ** FPF: 25 PROB SRCH: 0 EXP CONST: 45 CRS CLASS % 0 RATE KEY: DED DISCOUNT %: .000 ICC PREMIUM: 275 DED DISCOUNT AMT: 0 ** BLDG (NFIP CALC) CONT (NFIP CALC) ** ICC COVERAGE 150 BASIC COV: 450 BASIC COV: 0 ADD COV: 320 ADD COV: 0 BASIC PREM: 142 BASIC PREM: 0 ADD PREM: 64 ADD PREM: 0 BASIC RATE: .45 BASIC RATE: .55 ADD RATE: .17 ADD RATE: .25 *** OPTIONAL INFORMATION *** REPL COST: 266000 *** ERROR INFORMATION *** ERROR PL040040 ERROR DATE 1997/05/31 TYPE ERROR: CRITICAL TOTAL CALCULATED PREMIUM IS LESS THAN WYO SYSTEM CALCULATED PREMIUM. SUBSEQUENT ENDORSEMENTS ARE NOT RATED BY THE WYO SYSTEM. EXHIBIT C-1. W2RPRPOL, Policy Detail Error Report Appendix C C-5 Revision 4 (10/1/01) Effective 5/1/00 W2RHPSUM Policy Error Summary Report Description: This report is produced each month after theprocessing of the WYO company TRRP submission. It summarizes, by company and error codes, the numberof policy records in the NFIP/WYO System containingthe particular errors. The heading, “Policies on File”, contains the totalnumber of the WYO Company’s records in the NFIP/WYOSystem. “Policies with Activity” contains thetotal number of records in the NFIP/WYO System towhich transactions were applied in the processingof the current TRRP submission. By error code, thereport provides a brief error message, thecritical/non-critical status of the error and thetotal number of policy records that contain theerror. “Cleared Error Count” contains the number of records for which the particular error wascorrected. “Current Error Count” are those errors generated only in the current reporting month. “Database Error Count” contains the total number of errors in the NFIP/WYO database. A policy recordcontaining the same error associated with more thanone effective date is counted only once in thaterror category for the purposes of this report. Cleared Error Count: A count of the number of errors of a certain type that were resolved in thecurrent reporting month. If an error occurs multiple times on a policy, then that error iscounted only once. If a policy has multiple errorcodes that are different, then all of the errorcodes are counted for a policy. Current Error Count: A count of the number of errors of a certain type that were generated in thecurrent reporting month. If an error occurs multiple times on a policy, then that error iscounted only once. If a policy has multiple errorcodes that are different, then all of the errorcodes are counted for a policy. Appendix C C-6 Revision 4 (10/1/01) Effective 12/31/00 Database Error Count: A count of the number of errors of a certain type that are unresolved as ofthe end of the current reporting month. If an error occurs multiple times on a policy, then thaterror is counted only once. If a policy hasmultiple error codes that are different, then allof the error codes are counted for a policy. Report Keys: W2RHPSUM is keyed by Company Code and Policy ErrorCode. Company Code: This is the highest key and indicates to which Write Your Own company the report applies. Policy Error This error code is keyed to the WYO Code: Edit Specifications document. Refer to that document for more detailed information about the edit that the reported data failed to pass. Appendix C C-7 Revision 4 (10/1/01) Effective 12/31/00 REPORT W2RHPSUM FEDERAL EMERGENCY MANAGEMENT AGENCY PAGE 1 RUNDATE: DEC 08 1996 NATIONAL FLOOD INSURANCE PROGRAM RUN TIME: 09.59.32 POLICY ERROR SUMMARY AS OF OCTOBER 1996 VENDOR NBR: N/A VENDOR NAME: NON-VENDOR COMPANY NBR: 99999 COMPANY NAME: ABC INSURANCE COMPANY 244,793 POLICIES ON FILE 12,278 POLICIES WITH ACTIVITY CLEARED CURRENT DATABASE POLICY ERROR ERROR ERROR ERROR CODE ERROR TYPE COUNT COUNT COUNT PL027030 CRITICAL 0 0 2 MESSAGE: STATE OWNED PROPERTY MUST BE “N” FOR A CONDOMINIUM MASTER POLICY. PL029040 CRITICAL 0 2 108 MESSAGE: DEDUCTIBLE – BUILDING IS NOT VALID. PL029060 CRITICAL 1 12 301 MESSAGE: DEDUCTIBLE – BUILDING DOES NOT HAVE THE CORRECT STANDARD DEDUCTIBLE. PL030030 CRITICAL 0 0 61 MESSAGE: DEDUCTIBLE – CONTENTS IS NOT VALID. PL030060 CRITICAL 0 8 152 MESSAGE: DEDUCTIBLE – CONTENTS DOES NOT HAVE THE CORRECT STANDARD DEDUCTIBLE. PL031030 CRITICAL 0 2 4 MESSAGE: ELEVATED BUILDING INDICATOR MUST BE ‘N’ (DEFAULT VALUE) FOR A PREFERRED RISK POLICY. PL033030 CRITICAL 0 0 18 MESSAGE: LOCATION OF CONTENTS DOES NOT CORRESPOND WITH THE BASEMENT/ENCLOSURE TYPE. EXHIBIT C-2. W2RHPSUM, Policy Error Summary Appendix C C-8 Revision 4 (10/1/01) Effective 12/31/00 W2PRPR03 Policy Data Base Error Statistics Report Description: This report is produced each month after theprocessing of the WYO company TRRP submission. This report provides more information on policyrecords error statistics from which the WYO companyperformance is assessed by the WYO standardscommittee. Error information is summarized by company and policy effective date category. The report provides: (1) The total number of policy records (2) The number of policy records with errors (3) The number of policy records with criticalerrors (4) The percentage of policy records thatcontain critical errors (5) Of the policy records with criticalerrors, the number of policies with errorsuncorrected 6 months after they are notedon the NFIP/WYO System (6) The percentage of total policy recordsthat have critical errors aged 6 months (7) The number of policy records allowedwithin the tolerance level (8) The number of policy records over thetolerance level (9) Totals per company of the penalty feeamount, adjustments, and Net PenaltyCharges Refer to Part 9 of this document for more information on Data Submission Monitoring. Report Keys: W2PRPR03 is keyed by Company Code and Policy Effective Date Category. Company Code: This is the highest key andindicates to which Write Your Own company the report applies. Policy Effective Policy records are grouped by the Date Category: effective date of the policy term. Appendix C C-9 Revision 4 (10/1/01) Effective 5/1/97 EXHIBIT C-3. W2PRPR03, Policy Database Error Statistics Appendix C C-10 Revision 4 (10/1/01) Effective 12/31/00 REPORT: RUNDATE: RUNTIME: W2PRPR03 DEC 20 199611:56:18 FEDERAL EMERGENCY MANAGEMENT AGENCY NATIONAL FLOOD INSURANCE PROGRAM PAGE 1 POLICY DATABASE ERROR STATISTICS AS OF 10/31/1996 VENDOR NBR: COMPANY NBR: N/A 99999 VENDOR NAME: NON-VENDOR COMPANY NAME: ABC INSURANCE COMPANYPOLICYEFF DATE CATEGORY MONTH TOTAL POLICIES POLICIESW/ERRORS POLICIES W/CRITICAL ERRORSERR PCT POLICIES W/CRITICALAGED 6 MOS ERR PCT ERRORED POLICIES ALLOWED WITHINTOLERANCE POLICIES OVER TOLERANCE 1996 JUNE JULY AUGUST SEPTEMBER OCTOBER 52,600 52,766 56,508 49,733 41,336 347 48 33 33 16 347 48 33 33 16 .7 .1 .1 .1 .0 132 3 0 0 0 .3 .0 .0 .0 .0 2,630 2,638 2,825 2,487 2,067 0 0 0 0 0 TOTAL FOR 1996 252,943 477 135 12,647 0 TOTAL FOR COMPANY # 99999 252,943 477 135 12,647 0 PERFORMANCE INDICATOR IS .00 ADJUSTMENTS .00 NET PERFORMANCE INDICATOR IS .00 B. FTP TRANSMISSION OF POLICY ERROR INFORMATION WYO companies will receive on a monthly basis, a filecontaining policy records in error. On a quarterly basis, thefile will contain all policy records on the NFIP/WYO Systemregardless of error condition. Information about a policy is stored on the NFIP/WYO Systemin a single policy record that holds certain data by thePolicy Number and other data elements by the reported PolicyEffective Dates and Endorsement Effective Dates. (Note: The NFIP/WYO System also stores the Policy Effective Datesubmitted with New Business [11] and Renewal [17] transactions in an Endorsement Effective Date field.) On the file provided to WYO companies, policy information istransmitted in a separate record for each effective date. Thus, one policy’s information can require several records onthe file. Data elements that are stored in the NFIP/WYOSystem policy records by the WYO Policy Number are includedin each of the effective date records on the file. These common data elements are marked with an asterisk (*) on therecord layout. There are two NFIP calculated data elements provided on thefile that are not described in the data dictionary. These are Activity Date and Policy Status Indicator. The Activity Date is a date set by the NFIP/WYO System thatindicates the last reporting month in which transactions wereprocessed against the policy record. This date is in a year-month-day (YYYYMMDD) format where the day is always setto the last day of the reporting month. The Policy Status Indicator is a code that indicates thein-force, expired, or cancelled status of the policy recordas set by the NFIP/WYO System as of the last day of thereporting month. The following is a description of eachcode. A -In-force as of the reporting month B -Future Effective as of the reporting month C -Cancelled before the reporting month D -Cancelled on or after the reporting month E -Expired more than 120 days before the reporting month F -Expired before the reporting month less than 29 days Appendix C C-11 Revision 4 (10/1/01) Change 7 Effective 5/1/05 G -Expired before the reporting month more than 29 daysbut less than 120 days R -Reinstated within the latest term month The error codes provided at the bottom of each recordindicate which data element was being edited when the errorwas detected. For further information, consult the WYO EditSpecifications document. The following is the sort sequence of the records: - WYO Prefix Code (ascending) - Policy Number (ascending) - Endorsement Effective Date (descending) Data Retrieval Procedures The retrieval procedure will be using the File Transfer Protocol(FTP) site address bureau.nfipstat.com. We will place the fileson the FTP site on a monthly basis. The file names located in the Individual Company Error Datadirectory /users/coxxxxx/errordata are outlined below: • Policy Error Data File name: W2Pxxxxx.zip • Policy Error Record Count File name: W2Pxxxxx.txt • The Record Count File will contain the followinginformation: “The accompanying W2Pxxxxx.zip file contains ##### records” Note: xxxxx = company/vendor NAIC number ##### = number of records All files will be available from the designated FTP address(bureau.nfipstat.com). User ID, passwords, and directory accesswill be provided to each WYO company. WYO companies will beable to access, read, and write only to their directories. Theywill not be able to access, read, or write to other directories. WYO companies may obtain an FTP client (e.g., CuteFTP, WSFTP, etc.) or access the FTP site through the Internet. Forinstructions on how to properly set up the FTP client or receiveInternet FTP Login Procedures to gain access to our site, contact your Program Coordinator at the NFIP Bureau. Appendix C C-12 Revision 4 (10/1/01) Change 7 Effective 5/1/05 This page is intentionally left blank. Appendix C C-13 Revision 4 (10/1/01) Change 7 Effective 5/1/05 RECORD LAYOUT WYO Prefix Code* Policy Number* Policy Effective Date Policy Expiration Date Endorsement Effective Date Transaction Code Transaction Date Name or Descriptive Information Indicator* Property Beginning Street Number* Property Address 1* Property Address 2* Property City* Property State* Property ZIP Code* Taxpayer Identification Number Coverage Required for Disaster Assistance Community Identification Number Map Panel Number Map Panel Suffix Regular/Emergency Program Indicator Flood Risk Zone Occupancy Type Number of Floors (Including Basement)/ Building Type Basement/Enclosure Type Condominium Indicator State-Owned Property Building in Course of Construction IndicatorDeductible – BuildingDeductible – Contents Elevated Building Indicator Obstruction Type Location of Contents Indicator Original Construction Date/Substantial Improvement Date Post-FIRM Construction Indicator Elevation Difference Floodproofed Indicator Total Amount of Insurance – Building Total Amount of Insurance – Contents Total Calculated Premium Endorsement Premium Amount Risk Rating Method Policy Term Indicator New/Rollover Indicator Insurance to Value Ratio Indicator Premium Payment Indicator Length5 10 8 8 8 2 8 1 10 50 50 30 2 9 9 1 6 4 1 1 3 1 1 1 1 1 1 1 1 1 2 1 8 1 4 1 8 8 7 7 1 1 1 1 1 Record Position 1-5 6-15 16-23 24-31 32-39 40-41 42-49 50 51-60 61-110 111-160 161-190 191-192 193-201 202-210 211 212-217 218-221 222 223 224-226 227 228 229 230 231 232 233 234 235 236-237 238 239-246 247 248-251 252 253-260 261-268 269-275 276-282 283 284 285 286 287 *Data Elements that are stored only once per policy record and notby policy term. Appendix C C-14 Revision 4 (10/1/01) Change 7 Effective 5/1/05 Record Layout (cont’d.) Record Length Position Elevation Certificate Indicator 1 288 1981 Post-FIRM V Zone Certification Indicator 1 289 Insured Last Name 25 290-314 Insured First Name 25 315-339 Principal Residence Indicator 1 340 Replacement Cost 9 341-349 Lowest Floor Elevation (LFE) 6 350-355 Base Flood Elevation (BFE) 6 356-361 Expense Constant 3 362-364 Name Format Indicator 1 365 Condominium Master Policy Units 3 366-368 Reserved for WYO Company Use 30 369-398 Policy Termination Date* 8 399-406 Cancellation/Voidance Reason* 2 407-408 Total Premium Refund* 9 409-417 CRS Classification Credit Percentage 2 418-419 Federal Policy Fee 3 420-422 Federal Policy Fee – Refunded* 5 423-427 Diagram Number 1 428 Filler 1 429 Lowest Adjacent Grade 6 430-435 Elevation Certification Date 8 436-443 Basic Building Rate WYO 5 444-447 Additional Building Rate WYO 5 449-453 Basic Contents Rate WYO 5 454-458 Additional Contents Rate WYO 5 459-463 ICC Premium WYO 3 464-466 Probation Surcharge Amount WYO 3 467-469 Deductible Percentage WYO 4 470-473 Repetitive Loss Target Group Indicator 1 474 Reserved for NFIP Use 13 475-487 The following data elements contain NFIP calculated values and are provided to assist WYO companies in determining what conditions caused the error. Activity Date* 8 488-495 Policy Status Indicator* 1 496 Basic Limit Amount of Insurance – Building 8 497-504 Basic Limit Rate – Building 4 505-508 Additional Limit Amount of Insurance – Building 8 509-516 Additional Limit Rate – Building 4 517-520 Basic Limit Amount of Insurance – Contents 8 521-528 Basic Limit Rate – Contents 4 529-532 Additional Limit Amount of Insurance – Contents 8 533-540 Additional Limit Rate – Contents 4 541-544 Total Premium Refund* 9 545-553 CRS Classification Credit Percentage 2 554-555 Federal Policy Fee 3 556-558 Federal Policy Fee – Refunded* 5 559-563 Community Probation Surcharge Amount 3 564-566 Deductible Discount Percentage 5 567-571 *Data Elements that are stored only once per policy record and notby policy term. Appendix C C-15 Revision 4 (10/1/01) Effective 5/1/00 Record Layout (cont’d.) Record Length Position Deductible Discount Amount 9 572-580 Property ZIP* 9 581-589 Expense Constant 3 590-592 Policy Term 1 ICC Premium 7 594-600 ICC Coverage 5 601-605 Reserved for NFIP Use 44 606-649 Error Code 1 8 650-657 Error Code Date 1 8 658-665 Error Code 2 8 666-673 Error Code Date 2 8 674-681 Error Code 3 8 682-689 Error Code Date 3 8 690-697 Error Code 4 8 698-705 Error Code Date 4 8 706-713 Error Code 5 8 714-721 Error Code Date 5 8 722-729 Error Code 6 8 730-737 Error Code Date 6 8 738-745 Error Code 7 8 746-753 Error Code Date 7 8 754-761 Error Code 8 8 762-769 Error Code Date 8 8 770-777 Error Code 9 8 778-785 Error Code Date 9 8 786-793 Error Code 10 8 794-801 Error Code Date 10 8 802-809 Error Code 11 8 810-817 Error Code Date 11 8 818-825 Error Code 12 8 826-833 Error Code Date 12 8 834-841 Error Code 13 8 842-849 Error Code Date 13 8 850-857 Error Code 14 8 858-865 Error Code Date 14 8 866-873 Error Code 15 8 874-881 Error Code Date 15 8 882-889 Error Code 16 8 890-897 Error Code Date 16 8 898-905 Error Code 17 8 906-913 Error Code Date 17 8 914-921 Error Code 18 8 922-929 Error Code Date 18 8 930-937 Error Code 19 8 938-945 Error Code Date 19 8 946-953 Error Code 20 8 954-961 Error Code Date 20 8 962-969 Error Code 21 8 970-977 Error Code Date 21 8 978-985 * Data Elements are stored only once per policy record and notby policy term. Appendix C C-16 Revision 4 (10/1/01) Effective 5/1/97 Record Layout (cont’d.) Record Length Position Error Code 22 8 986-993 Error Code Date 22 8 994-1001 Error Code 23 8 1002-1009 Error Code Date 23 8 1010-1017 Error Code 24 8 1018-1025 Error Code Date 24 8 1026-1033 Error Code 25 8 1034-1041 Error Code Date 25 8 1042-1049 Appendix C C-17 Revision 4 (10/1/01) Effective 5/1/97 RECORD LAYOUT - COBOL Output – Policy Information and Error Extract FD Output – FileLabel Records are Standard Block Contains 32 Records Recording Mode is FData Record is Output–Record 01 Output - Record05 OP-WYO-Prefix-Code PIC X(5). 05 OP-Policy-No* PIC X(10). 05 OP-Pol-Effective-Date PIC 9(8). 05 OP-Pol-Expiration-Date PIC 9(8). 05 OP-End-Effective-Date PIC 9(8). 05 OP-Transaction-Code PIC X(2). 05 OP-Transaction-Date PIC 9(8). 05 OP-Name-Desc-Info* PIC X(1). 05 OP-Begin-Street-Number* PIC X(10). 05 OP-Address1* PIC X(50). 05 OP-Address2* PIC X(50). 05 OP-City* PIC X(30). 05 OP-State* PIC X(2). 05 OP-ZIP* PIC X(9). 05 OP-Tax-Identification PIC X(9). 05 OP-Disaster-Assist PIC X(1). 05 OP-Community-Number PIC 9(6). 05 OP-Map-Panel-Number PIC X(4). 05 OP-Map-Panel-Suffix PIC X(1). 05 OP-Regular-Emergency PIC X(1). 05 OP-Flood-Risk-Zone PIC X(3). 05 OP-Occupancy PIC X(1). 05 OP-Building-Type PIC X(1). 05 OP-Basement PIC X(1). 05 OP-Condominium PIC X(1). 05 OP-State-Own PIC X(1). 05 OP-Course-Construction PIC X(1). 05 OP-Deductible-Building PIC X(1). 05 OP-Deductible-Contents PIC X(1). 05 OP-Elevated-Building PIC X(1). 05 OP-Obstruction PIC X(2). 05 OP-Location-of-Contents PIC X(1). 05 OP-Original-Construction PIC 9(8). 05 OP-Post-Firm PIC X(1). 05 OP-Elevation-Difference PIC S9(4). 05 OP-Flood-Proof PIC X(1). 05 OP-Total-Coverage-Building PIC 9(8). 05 OP-Total-Coverage-Contents PIC 9(8). 05 OP-Total-Calc-Premium PIC S9(7). 05 OP-Endorsement-Premium PIC S9(7). 05 OP-Risk-Rating-Method PIC X(1). *Data Elements that are stored only once per policy recordand not by policy term. Appendix C C-18 Revision 4 (10/1/01) Effective 5/1/97 Record Layout (cont’d.) 05 OP-Policy-Term PIC X(1). 05 OP-New-Rollover-Ind PIC X(1). 05 OP-Insurance-To-Value PIC X(1). 05 OP-Premium-Pay PIC X(1). 05 OP-Elevation-Certificate PIC X(1). 05 OP-Post-1981-Certificate PIC X(1). 05 OP-Insured-Last-Name PIC X(25). 05 OP-Insured-First-Name PIC X(25). 05 OP-Principal-Residence PIC X(1). 05 OP-Replacement-Cost PIC X(9). 05 OP-Low-Floor PIC S9(5)V9. 05 OP-Base-Floor PIC S9(5)V9. 05 OP-Expense-Constant PIC 9(3). 05 OP-Name-Format PIC X(1). 05 OP-Condo-Master-Units PIC 9(3). 05 OP-WYO-Cmpy-Use PIC X(30). 05 OP-Termination-Date PIC 9(8). 05 OP-Cancel-Reason PIC X(2). 05 OP-Total-Refund PIC S9(7)V99. 05 OP-CRS-Class-Perc PIC 9(2). 05 OP-Federal-Policy-Fee PIC S9(3). 05 OP-Federal-Policy-Fee-Refund PIC S9(3)V99. 05 OP-Diagram-Number PIC X(1). 05 Filler PIC X(1). 05 OP-Lowest-Adjacent-Grade PIC S9(5)V9. 05 OP-Elev-Certification-Date PIC 9(8). 05 OP-Base-Building-Rate-WYO PIC 9(2)V999. 05 OP-Additional-Building-Rate-WYO PIC 9(2)V999. 05 OP-Base-Contents-Rate-WYO PIC 9(2)V999. 05 OP-Additional-Contents-Rate-WYO PIC 9(2)V999. 05 OP-ICC-Premium-Rate-WYO PIC 9(3). 05 OP-Probation-Amount-WYO PIC 9(3). 05 OP-Deductible-Percentage-WYO PIC S9V999. 05 OP-Repetitive-Loss-Ind PIC X(1). 05 Filler PIC X(13). 05 OP-NFIP-Activity-Date* PIC 9(8). 05 OP-NFIP-Policy-Status* PIC X(1). 05 OP-NFIP-Basic-Cov-Building PIC 9(8). 05 OP-NFIP-Basic-Rate-Building PIC 9(2)V99. 05 OP-NFIP-Add-Cov-Building PIC 9(8). 05 OP-NFIP-Add-Rate-Building PIC 9(2)V99. 05 OP-NFIP-Basic-Cov-Contents PIC 9(8). 05 OP-NFIP-Basic-Rate-Contents PIC 9(2)V99. 05 OP-NFIP-Add-Cov-Contents PIC 9(8). 05 OP-NFIP-Add-Rate-Contents PIC 9(2)V99. 05 OP-NFIP-Total-Refund* PIC S9(7)V99. 05 OP-NFIP-CRS-Class-Perc PIC 9(2). 05 OP-NFIP-Policy-Service-Fee* PIC S9(3). 05 OP-NFIP-Policy-Service-Fee-Refund* PIC S9(3)V99. 05 OP-NFIP-Comm-Prob-Surcharge PIC 9(3). 05 OP-NFIP-DED-Discount-Perc PIC 9(2)V999. 05 OP-NFIP-DED-Discount-Amt PIC 9(9). 05 OP-NFIP-Property-ZIP* PIC X(9). 05 OP-NFIP-Expense-Constant PIC 9(3). 05 OP-NFIP-Policy-Term PIC X(1). 05 OP-NFIP-ICC-Premium PIC 9(07). 05 OP-NFIP-ICC-Coverage PIC 9(05). *Data Elements that are stored only once per policy record and not by policy term. Appendix C C-19 Revision 4 (10/1/01) Change 7 Effective 5/1/05 Record Layout (cont’d.) 05 Filler PIC X(44). 05 OP-Error-Codes-Out. 10 Error-CDEX Occurs 25 Times 15 Error-Code PIC X(8). 15 Error-Date PIC 9(8). Appendix C C-20 Revision 4 (10/1/01) Effective 5/1/97 SECTION 2 – CLAIMS ERROR INFORMATION A. DESCRIPTIONS AND EXAMPLES OF CLAIMS ERROR REPORTS Descriptions and examples of the following Claims ErrorReports are provided: • Claims Detail Error Report (W2RCRCLM) • Claims Error Summary Report (W2RCHSUM) • Loss Records Error Statistics Report (W2PRCR03) • Losses Open More Than 120 Days by Company Number(W2RPCLMR) • Open Losses by Company Number – for ICC Losses Only(W2RCICCO) Appendix C C-21 Revision 4 (10/1/01) Change 6 Effective 5/1/04 W2RCRCLM Claims Detail Error Report Description: This report is produced on a special request basisonly after the processing of the WYO company TRRPsubmission. All loss records against which validtransactions have been applied in processing thecurrent TRRP submission are edited. Also, all lossrecords where the associated policy record has hadcurrent transaction activity are edited. If these edited loss records contain errors, they areincluded in this report even if the only errors inthe loss record were caused by transaction activityin a previous processing cycle. In the NFIP/WYO System, loss data are stored within a loss record only by the primary keys, the Date of Loss and the Policy Number. Loss and error information are displayed in this report by Date of Loss and Policy Number. W2RCRCLM contains a two-page report for each loss that contains errors. The first page contains reported loss information and pertinent NFIP/WYO System calculated fields. The second page contains error information for errors stored under that Date of Loss and Policy Number. Report Keys: W2RCRCLM is keyed by WYO Prefix Code (Company Code), Date of Loss, Policy Number, and ClaimsError Code. WYO Prefix This is the highest key and Code: indicates to which Write Your Own company the report applies. Date of Loss: This is the second highest key andindicates the Date of Loss reportedby the WYO company. Policy Number: This is the third highest key and is the final identifier for establishing a loss record. If there are no errors for a particular loss, W2RCRCLM will notdisplay any information on theloss. Losses that had activity(transactions being applied toeither the loss record or the associated policy record) in thecurrent reporting month and haveold or new claims errors will be included in this report. Appendix C C-22 Revision 4 (10/1/01) Effective 12/31/00 Claim Error All errors associated with the loss Code: are listed by error code. This error code is keyed to the WYO EditSpecifications document. Also included are the error date, whether the error is classified as critical or non-critical, and abrief error message. Refer to the WYO Edit Specifications documentfor more detailed information about the edit that the reported datafailed to pass. Appendix C C-23 Revision 4 (10/1/01) Effective 1/1/89 REPORTRUN DATE RUN TIME W2RCRCLM JAN 15, 199814:53:09 CLAIM FEDERAL EMERGENCY MANAGEMENT AGENCY NATIONAL FLOOD INSURANCE PROGRAM DETAIL ERROR REPORT as of 6/1/1997 PAGE 1 **LOSS KEY IDENTIFIERS** COMPANY: POLICY NUMBER LOSS STATUS: REOPEN DATE: : 99 07 C 4632292F999 – ABC INSURANCE CO. DATE OF LOSS: OPEN DATE: CLOSED DATE: 1986/12/311987/01/051987/01/19 **BASIC POLICY INFORMATION** BUILDING COVERAGE: NUMBER OF FLOORS: DEDUCTIBLE – BUILDING: CONDOMINIUM INDICATOR: ELEVATED BUILDING: POLICY EFFECTIVE: PRINCIPAL RESIDENCE: RISK RATING METHOD: POLICY LAST RUN DATE: REGULAR/EMERGENCY: 908 1 0 N N 1992/07/03N 1 1996/04/30R CONTENTS COVERAGE: OCCUPANCY TYPE: DEDUCTIBLE CONTENTS: NUMBER OF CONDO UNITS: COURSE OF CONSTRUCTION: POLICY EXPIRATION: CANCELLATION DATE: POLICY STATUS: NFIP ICC COVERAGE: PRP INELIGIBLE IND: 221 1 0 1 N 1993/07/03 E 0 **BASIC LOSS INFORMATION** ALLOCATED LAE: TOTAL PROP ACV: TOT BLDG DAMAGES ACV: TOTAL PROP VALUE RCV: TOT BLDG DAMAGES RCV: PAY LIMIT BUILDING: MOBILE HOME REMOVAL: FINAL PYMNT IND – BLDG: CWOP REASON BLDG: REPLACEMENT COST IND: WATER DEPTH: TOT EXP OF FLOOD PROT: ICC ACTUAL EXPENSE: ICC FLOOD DMGS – PRIOR: ICC PROP VAL-CURRENT: FINAL PYMNT IND-ICC: 500.00 N 2,0170 0 90,8000 N 10 0 0 0 A LOSS ORIGINAL RUN DATE: LOSS LAST RUN DATE: OT CONTENTS DAMAGE ACV: PAY LIMIT ICC: TOTAL CONT DAMAGE TO CONT RC PAY LIMIT CONTENTS: CONTENTS REMOVAL: FINAL PYMNT IND -CONT: CWOP REASON-CONTENTS: CATASTROPHE-NUMBER: CAUSE OF LOSS: ICC CLAIM INDICATOR: ICC MITIGATION INDICATOR: ICC PRIOR DATE OF LOSS: ISS PROP VAL-PRIOR: CWOP REASON-ICC: V: 1987/01/311987/01/310 0 0 0 0 N 000 1 0 CO-INSURANCE CLAIMS SETTLEMENT INDICATOR: REPETITIVE LOSS TARGET GROUP IND: **OPTIONAL LOSS INFORMATION** EXTERIOR WALL STRUCTURE: FOUNDATION TYPE: EXTERIOR WALL SURFACE: FLOOD CHARACTERISTICS: FACTORS RELATED TO LOSS: SUBSTAN IMPROVEMENT IND: DUR BLDG NOT HABITABLE: DUR OF FLOOD WATERS: ALTERATION DATE: VALUE OF CONTENTS: PROPERTY VALUE MAIN ACV: 0 PROPERTY VALUE APPURT ACV: DAMAGES BLDG MAIN ACV: 0 DAMAGES BLDG APPURT ACV: DAMAGES CONT MAIN ACV: 0 DEDUCTIBLE CONT: DEDUCTIBLE BLDG: CONT DMG SUBJECT TO EXCL: VALUE OF BUILDING ITEMS SUBJECT TO POLICY EXCLUSIONS: VALUE OF CONTENTS SUBJECT TO POLICY EXCLUSIONS: BLDG DMG SUBJECT TO EXCL: **CLAIM RESERVE INFORMATION** **CLAIM PAYMENT INFORMATION** BUILDING -.00 BUILDING -1,020.25 CONTENTS - .00 CONTENTS -.00 ICC- .00 ICC-.00 TOTAL -.00 TOTAL -1,020.25 **SPECIAL EXPENSE INFORMATION** TOTAL SPECIAL EXPENSE AMOUNT FOR EXPENSE TYPE 1: .00 TOTAL SPECIAL EXPENSE AMOUNT FOR EXPENSE TYPE 2: .00 TOTAL SPECIAL EXPENSE AMOUNT FOR EXPENSE TYPE 3: .00 TOTAL SPECIAL EXPENSE AMOUNT FOR EXPENSE TYPE 4: .00 TOTAL SPECIAL EXPENSE AMOUNT FOR EXPENSE TYPE INVALID: .00 TOTAL SPECIAL EXPENSE AMOUNT FOR EXPENSE TYPE NOT NUMERIC: .00 **RECOVERY INFORMATION** TOTAL RECOVERY CLAIM PAYMENT BUILDING: .00 TOTAL RECOVERY CLAIM PAYMENT CONTENTS: .00 TOTAL RECOVERY CLAIM PAYMENT-ICC: .00 TOTAL ACTUAL SALVAGE RECOVERY AMOUNT: .00 TOTAL SUBROGATION RECOVERY AMOUNT: .00 EXHIBIT C-4. W2RCRCLM, Claims Detail Error Appendix C C-24 Revision 4 (10/1/01) Effective 12/31/00 NATIONAL FLOOD INSURANCE PROGRAM PAGE 2 COMPANY: 99999 – ABC INSURANCE CO. WYO PREFIX CODE: 074632292F DATE OF LOSS: 1986/12/31LOSS STATUS: C OPEN DATE: 1987/01/05CLAIM REOPEN DATE: CLOSED DATE: 1987/01/19 **LOSS ERROR INFORMATION** ERROR CODE: CU082010 ERROR DATE: 1987/01/31 REPLACEMENT COST INDICATOR MUST BE ALPHABETIC AND A VALID CODE. EXHIBIT C-4 (cont’d.). W2RCRCLM, Claims Detail Error Appendix C C-25 Revision 4 (10/1/01) Effective 12/31/00 W2RCHSUM Claims Error Summary Report Description: This report is produced each month after theprocessing of the company’s TRRP submission. It summarizes, by company and error codes, the numberof loss records in the NFIP/WYO System containingthe particular errors. The heading shows the company name and NAIC number, losses on file, and losses with activity. Losses on file contains the total number of the company’srecords in the NFIP/WYO System. Losses with activity contains the total number of records inthe NFIP/WYO System to which transactions wereapplied in the processing of the current TRRPsubmission. By error code the report provides abrief error message, the critical/non-criticalstatus of the error and the total number of loss records that contain the error. “Cleared Error Count” contains the number of records for which the particular error was corrected. “Current Error Count” are those errors generated only in thecurrent reporting month. “Database Error Count” contains the total number of errors in the NFIP/WYOdatabase. A loss record containing the same errorassociated with more than one effective date is counted only once in the error category for thepurposes of this report. Cleared Error Count: A count of the number of errors of a certain type that were resolved in thecurrent reporting month. Current Error Count: A count of the number of errors of a certain type that were generated in thecurrent reporting month. Database Error Count: A count of the number of errors of a certain type that are unresolved as ofthe end of the current reporting month. Report Keys: W2RCHSUM is keyed by Company Code and Claims ErrorCode. Company Code: This is the highest key and indicates to which company the report applies. Claims Error The error code is keyed to the WYO Code: Edit Specifications document. Refer to that document for more detailed information about the edit that the reported data failed to pass. Appendix C C-26 Revision 4 (10/1/01) Effective 12/31/00 REPORT RUNDATE: RUN TIME: W2RCHSUM DEC 08 199610.01.37 FEDERAL EMERGENCY MANAGEMENT AGENCY NATIONAL FLOOD INSURANCE PROGRAM PAGE 1 CLAIMS ERROR SUMMARY AS OF OCTOBER 1996 VENDOR NBR: N/A VENDOR NAME: NON-VENDOR COMPANY NBR: 99999 COMPANY NAME: ABC INSURANCE COMPANY 30,160 LOSSES ON FILE 3,343 LOSSES WITH ACTIVITY CLAIMSERROR CODE ERROR TYPE CLEARED ERROR COUNT CURRENT ERROR COUNT DATABASE ERROR COUNT CI070020 CRITICAL 0 0 1 MESSAGE: CAUSE OF LOSS IS NOT A VALID CODE. CI077090 CRITICAL 0 0 1 MESSAGE: NET BUILDING CLAIM PAYMENTS FOR A LOSS MAY NOT BE LESS THAN ZERO. CI078110 CRITICAL 0 0 2 MESSAGE: NET CONTENTS CLAIM PAYMENTS FOR A LOSS M AY NOT BE LESS THAN ZERO. CI081020 CRITICAL 0 1 9 MESSAGE: FINAL PAYMENT INDICATOR – CONTENTS IS NOT A VALID CODE. CI104020 CRITICAL 172 9 103 MESSAGE: DATE CLAIM CLOSED IS NOT A VALID DATE. CI115020 CRITICAL 0 0 8 MESSAGE: TOTAL SPECIAL EXPENSE AMOUNT FOR A LOSS AND SPECIAL EXPENSE TYPE MAY NOT BE LESS THAN ZERO. CI066045 CRITICAL 0 0 4 MESSAGE DATE OF LOSS IS NOT WITHIN A POLICY TERM. THIS LOSS MUST BE CLOSED WITHOUT PAYMENT. EXHIBIT C-5. W2RCHSUM, Claims Error Summary Appendix C C-27 Revision 4 (10/1/01) Effective 12/31/00 W2PRCR03 Loss Records Error Statistics Report Description: This report is produced each month after theprocessing of the WYO company TRRP submission. This report provides more information on the lossrecord error statistics from which the WYO companyperformance is assessed by the WYO StandardsCommittee. Error information is summarized by company and dateof loss category. The report provides: (1) Total number of loss records (2) Number of loss records with errors (3) Number of loss records with critical errors (4) Percentage of loss records that containcritical errors (5) Of the loss records with critical errors, the number of loss records with errors uncorrected 6 months after they are notedon the NFIP/WYO System (6) Percentage of total loss records that havecritical errors aged 6 months (7) Number of loss records allowed within the tolerance level (8) Number of loss records over the tolerance level (9) Totals per company of the penalty fee amount, adjustments, and Net Penalty Charges Refer to Part 9 of this document for more information on Data Submission Monitoring. Report Keys: W2PRCR03 is keyed by Company Code and Date of LossCategory. Company Code: This is the highest key and indicates to which Write Your Own company thereport applies. Date of Loss Loss records are grouped by the DateCategory: of Loss. Appendix C C-28 Revision 4 (10/1/01) Effective 3/1/95 EXHIBIT C-6. W2PRCR03, Loss Records Error Statistics Appendix C C-29 Revision 4 (10/1/01) Effective 12/31/00 REPORT: W2PRCR03 FEDERAL EMERGENCY MANAGEMENT AGENCY PAGE 1 RUNDATE: DEC 20 1996 NATIONAL FLOOD INSURANCE PROGRAM RUNTIME: 14:53:09 LOSS RECORDS ERROR STATISTICS AS OF 10/31/1996 VENDOR NBR: N/A VENDOR NAME: NON-VENDOR COMPANY NBR: 99999 COMPANY NAME: ABC INSURANCE COMPANY ERRORED LOSS LOSS LOSS RCDS LOSS DATE TOTAL LOSS RECORDS RECORDS ALLOWED RECORDS OF LOSS LOSS RECORDS W/CRITICAL ERR W/CRITICAL ERR WITHIN OVER CATEGORY MONTH RECORDS W/ERRORS ERRORS PCT AGED 6 MOS PCT TOLERANCE TOLERANCE 1996 JANUARY 319 32 32 10.0 30 .9.0 6 24 FEBRUARY 131 7 7 5.0 5 3.0 3 2 MARCH 108 7 7 6.0 2 1.0 2 0 APRIL 1,144 20 20 1.0 0 .0 23 0 MAY 971 19 19 1.0 0 .0 19 0 JUNE 641 9 9 1.0 0 .0 13 0 JULY 86 5 5 5.0 0 .0 2 0 AUGUST 66 5 5 7.0 0 .0 1 0 SEPTEMBER 27 1 1 3.0 0 .0 1 0 OCTOBER 159 1 1 .0 0 .0 3 0 TOTAL FOR 1996 3,652 106 37 73 26 TOTAL FOR COMPANY # 99999 3,652 106 37 73 26 PERFORMANCE INDICATOR IS 52.00 ADJUSTMENTS 0.00 NET PERFORMANCE INDICATOR IS 52.00 W2RPCLMR Losses Open More Than 120 Days by Company Number Description: This report is produced monthly after processingthe WYO company TRRP submissions. This reportlists losses that are open more than 120 days fromthe current cycle date. If the claim is open forBuilding and ICC, the loss is listed on thereport. If the claim is closed for Building butICC remains open, the loss will not be listed onthe report. This report is used by FIMA tomonitor WYO company performance. Report Keys: W2RPCLMR is keyed by Company Code and thetransaction date of the Open Loss Transaction(31A) for the loss. Company Code: This is the highest key and indicates to which WYO companythe report applies. Opening The transaction date of the Transaction open loss transaction. Date: Appendix C C-30 Revision 4 (10/1/01) Change 6 Effective 5/1/04 REPORT: W2RPCLMR FEDERAL EMERGENCY MANAGEMENT AGENCY PAGE 1 RUNDATE: OCT 20 2003 NATIONAL FLOOD INSURANCE PROGRAM RUNTIME: 10.59.54 LOSSES OPEN MORE THAN 120 DAYS BY COMPANY NUMBER AS OF 08/31/2003 VENDOR NBR: N/A VENDOR NAME: NON-VENDOR COMPANY NBR: 99999 COMPANY NAME: ABC INSURANCE COMPANY OPENING LAST TRANS DATE POLICY BUILDING CONTENTS ACTION DATE OF LOSS NUMBER DAMAGE DAMAGE DATE 02/01/1987 06/30/1986 2015544800 0 0 02/28/1987 09/11/1997 06/05/1994 2031962100 0 0 03/31/1998 02/13/1996 02/09/1996 0011262906 81,491 0 04/30/1998 03/10/1997 03/01/1997 3021139400 2,452 0 09/30/1998 07/02/1997 07/02/1997 3021260800 0 0 07/31/1997 04/24/1998 12/06/1997 3018752100 2,115 0 07/31/1998 02/07/1998 02/02/1998 0014390613 0 0 02/28/1998 02/05/1998 02/03/1998 0017561706 0 0 05/31/1998 03/04/1998 02/10/1998 2039509800 0 0 03/31/1998 03/12/1998 02/15/1998 4017454300 0 0 03/31/1998 02/25/1998 02/18/1998 0017657406 0 0 03/31/1998 03/10/1998 02/19/1998 0010138906 0 0 03/31/1998 02/24/1998 02/19/1998 0017189006 0 0 03/31/1998 05/19/1998 04/05/1998 2035838900 0 0 05/31/1998 04/21/1998 04/17/1998 0016492506 0 0 04/30/1998 05/26/1998 04/27/1998 0010171206 0 0 06/30/1998 TOTAL WYO_PREFIX 99999 86,058 0 TOTAL OPEN LOSSES FOR 99999 16 EXHIBIT C-7. W2RPCLMR, Losses Open More Than 120 DaysBy Company Number Appendix C C-31 Revision 4 (10/1/01) Change 6 Effective 5/1/04 W2RCICCO Open Losses by Company Number – for ICC Losses Only Description: This report is produced on a special requestbasis only after the processing of WYO companyTRRP submissions. This report lists losses thatare open for ICC regardless of age. Report Keys: W2RCICCO is keyed by Company Code and thetransaction date of the Open Loss Transaction(31A) for the loss. Company Code: This is the highest key and indicates to which WYO company thereport applies. Opening The transaction date of the Transaction open loss transaction. Date: Appendix C C-32 Revision 4 (10/1/01) Effective 12/31/00 REPORT: W2RCICCO FEDERAL EMERGENCY MANAGEMENT AGENCY PAGE 1 RUNDATE: AUG 08 2000 NATIONAL FLOOD INSURANCE PROGRAM RUNTIME: 10.59.54 OPEN LOSSES BY COMPANY NUMBER – FOR ICC LOSSES ONLY AS OF 06/30/2000 VENDOR NBR: N/A VENDOR NAME: NON-VENDOR COMPANY NBR: 99999 COMPANY NAME: ABC INSURANCE COMPANY OPENING TRANS DATEDATE OF LOSSPOLICY NUMBERICC ACTUAL EXPENSEICC PAYMENTLAST ACTION DATE 02/25/1998 09/14/1998 09/29/1998 02/05/1998 09/10/1998 09/28/1998 1234567890 3456789012 6789012345 22,100 5,200 15,918 7,500.00 2,600.00 7,500.00 05/31/2000 12/31/1999 07/31/2000 TOTAL WYO_PREFIX 99999 43,218 17,6000.00 TOTAL OPEN LOSSES FOR 99999 3 EXHIBIT C-8. W2RCICCO, Open Losses By Company Number - ICC Losses Only Appendix C C-33 Revision 4 (10/1/01) Effective 12/31/00 B. FTP TRANSMISSION OF CLAIMS ERROR INFORMATION WYO companies will receive, on a monthly basis, a filecontaining only those loss records in error. On a quarterlybasis, the file will contain all loss records on the NFIP/WYOSystem regardless of error condition. Information on the monies associated with a loss will be reported as a sum total for the loss. For instance, BuildingClaim Payments will be shown as Total Building Claim Paymentsreported to-date for the loss. There are four NFIP calculated data elements provided on theerror file that are not described in the data dictionary. These are Activity Date, Claim Status Indicator, PaymentLimit-Building, and Payment Limit-Contents. The Activity Date is a date set by the NFIP/WYO system thatindicates the last reporting month in which transactions wereprocessed against the loss record. This date is in a year-month-day (YYYYMMDD) format where the day is always setto the last day of the month. The Claim Status Indicator is a code that indicates the status of loss records based on transactions applied in theNFIP/WYO System. The status is open (‘A’), closed withpayment (‘C’), or closed without payment (‘X’). The payment limits for building and contents indicate themaximum payments possible for the loss. The NFIP/WYO Systemsets these limits in accordance with the edits for buildingand contents claim payments. For further information, consult the WYO Edit Specifications. The error codes provided at the bottom of each recordindicate which data element was being edited when the errorwas detected. For further information, consult the WYO EditSpecifications document. The following is the sort sequence of the records: -WYO Prefix Code (ascending) -Date of Loss (descending) -Policy Number (descending) Appendix C C-34 Revision 4 (10/1/01) Change 6 Effective 5/1/04 Data Retrieval Procedures The retrieval procedure will be using the File Transfer Protocol(FTP) site address bureau.nfipstat.com. We will place the files onthe FTP site on a monthly basis. The file names located in the Individual Company Error Datadirectory /users/coxxxxx/errordata are outlined below: • Claim Error Data File name: W2Cxxxxx.zip • Claim Error Record Count File name: W2Cxxxxx.txt • The Record Count File will contain the following information: “The accompanying W2Cxxxxx.zip file contains ##### records” Note: xxxxx = company/vendor NAIC number ##### = number of records All files will be available from the designated FTP address(bureau.nfipstat.com). User ID, passwords, and directory access willbe provided to each WYO company. WYO companies will be able toaccess, read, and write only to their directories. They will not beable to access, read, or write to other directories. WYO companieswill be required to obtain an FTP client (e.g., CuteFTP, WSFTP, etc.). For instructions on how to properly set up the FTP client togain access to our site, contact your Program Coordinator at theNFIP Bureau. Appendix C C-35 Revision 4 (10/1/01) Change 6 Effective 5/1/04 RECORD LAYOUT WYO Prefix Code Policy NumberDate of Loss Catastrophe NumberCause of Loss Water Depth – Relative to Main BuildingTotal Property Value - Main and Appurtenant (ACV) Total Building Damages - Main and Appurtenant (ACV) Total Damage to Contents - Main and Appurtenant (ACV) Expense of Contents RemovalTotal Expense of Temporary Flood ProtectionReserve - BuildingReserve - Contents Claim/Loss Closed DateClaim Closed Without Payment Reason - BuildingReplacement Cost IndicatorExpense of Manufactured (Mobile) Home RemovalClaim Closed Without Payment Reason - ContentsClaim/Loss Reopen DateFoundation TypeExterior Wall Structure TypeExterior Wall Surface Treatment Flood Characteristics Factors Related to Cause of Loss Duration of Flood Waters in BuildingAlteration Date Substantial Improvement IndicatorDuration Building Will Not Be HabitableProperty Value – Main (ACV) Property Value – Appurtenant (ACV) Damage – Main (ACV) Damage – Appurtenant (ACV) Damage to Contents – Main (ACV) Damage to Contents – Appurtenant (ACV) Deductible – Applicable to Building Claim Payment Deductible – Applicable to Contents Claim Payment Value of Building Items Subject to Policy Exclusions (ACV) Value of Contents Subject to Policy Exclusions (ACV) Length5 10 8 3 1 3 10 10 7 4 4 12 9 8 2 1 4 2 8 2 1 1 1 1 3 8 1 1 10 7 10 7 7 7 1 1 1 1 Record Position 1-5 6-15 16-23 24-26 27 28-30 31-40 41-50 51-57 58-61 62-65 66-77 78-86 87-94 95-96 97 98-101 102-103 104-111 112-113 114 115 116 117 118-120 121-128 129 130 131-140 141-147 148-157 158-164 165-171 172-178 179 180 181 182 Appendix C C-36 Revision 4 (10/1/01) Effective 10/1/96 Record Layout (cont’d.) Building Damage Subject to Policy Exclusions(ACV) Contents Damage Subject to Policy Exclusions(ACV) Value of Contents (ACV) Final Payment Indicator - BuildingFinal Payment Indicator - ContentsTotal Building Claim Payments (ACV or RCV) Total Contents Claim Payments (ACV) Total Building Claim Payment RecoveryTotal Contents Claim Payment RecoveryTotal Actual Salvage RecoveryTotal SubrogationTotal Special Expenses Type 1Total Special Expenses Type 2Total Special Expenses Type 3Total Special Expenses Type 4Reserved for WYO Company UseICC Actual ExpenseICC Claim Indicator ICC Claim PaymentICC Claim Payment RecoveryICC Flood Damage Amount - PriorICC Mitigation IndicatorICC Prior Date of Loss ICC Property Value - CurrentICC Property Value - PriorTotal Building Damages – Main and Appurtenant (RCV) Total Damage to Contents – Main and Appurtenant (RCV) Total Property Value – Main and Appurtenant (RCV) Total Amount of Insurance - BuildingTotal Amount of Insurance - Contents Record Length Position 1 183 1 184 7 185-191 1 192 1 193 12 194-205 10 206-215 12 216-227 10 228-237 12 238-249 12 250-261 10 262-271 10 272-281 10 282-291 10 292-301 30 302-331 10 332-341 1 342 7 343-349 7 350-356 10 357-366 1 367 8 368-375 10 376-385 10 386-395 10 396-405 7 406-412 10 413-422 8 423-430 8 431-438 Number of Floors (Including Basement)/Building Type 1 439 Elevated Building Indicator 1 440 Deductible - BuildingDeductible - Contents Condominium Indicator Occupancy TypeReserve - ICC Final Payment Indicator - ICCClaim Closed Without Payment Reason – ICCCondominium Master Policy UnitsBuilding in Course of Construction IndicatorPolicy Effective DatePolicy Expiration DatePrincipal Residence IndicatorPolicy Activity Date 1 441 1 442 1 443 1 444 7 445-451 1 452 2 453-454 3 455-457 1 458 8 459-466 8 467-474 1 475 8 476-483 Appendix C C-37 Revision 4 (10/1/01) Effective 6/1/97 Record Layout (cont’d.) Record Length Position Policy Status 1 484 Policy Termination Date 8 485-492 Risk Rating Method 1 493 NFIP ICC Calculated Coverage 5 494-498 Regular/Emergency Program Indicator 1 499 PRP Ineligibility Indicator 1 500 Coinsurance Claim Settlement Indicator 1 501 Reserved for NFIP Use 3 502-504 The following data elements contain NFIP calculated values and areprovided to assist WYO companies in determining what conditionscaused the error. Activity Date 8 505-512 Claim Status 1 513 Payment Limit - Building 12 514-525 Payment Limit - Contents 10 526-535 Pay Limit - ICC 10 536-545 Reserved for NFIP Use 50 546-595 Error Code 1 8 596-603 Error Code Date 1 8 604-611 Error Code 2 8 612-619 Error Code Date 2 8 620-627 Error Code 3 8 628-635 Error Code Date 3 8 636-643 Error Code 4 8 644-651 Error Code Date 4 8 652-659 Error Code 5 8 660-667 Error Code Date 5 8 668-675 Error Code 6 8 676-683 Error Code Date 6 8 684-691 Error Code 7 8 692-699 Error Code Date 7 8 700-707 Error Code 8 8 708-715 Error Code Date 8 8 716-723 Error Code 9 8 724-731 Error Code Date 9 8 732-739 Error Code 10 8 740-747 Error Code Date 10 8 748-755 Error Code 11 8 756-763 Error Code Date 11 8 764-771 Error Code 12 8 772-779 Error Code Date 12 8 780-787 Error Code 13 8 788-795 Error Code Date 13 8 796-803 Error Code 14 8 804-811 Error Code Date 14 8 812-819 Error Code 15 8 820-827 Error Code Date 15 8 828-835 Error Code 16 8 836-843 Error Code Date 16 8 844-851 Error Code 17 8 852-859 Appendix C C-38 Revision 4 (10/1/01) Effective 5/1/00 Record Layout (cont’d.) Error Code Date 17 Length8 Error Code 18 8 Error Code Date 18 8 Error Code 19 8 Error Code Date 19 8 Error Code 20 8 Error Code Date 20 8 Error Code 21 8 Error Code Date 21 8 Error Code 22 8 Error Code Date 22 8 Error Code 23 8 Error Code Date 23 8 Error Code 24 8 Error Code Date 24 8 Error Code 25 8 Error Code Date 25 8 Record Position 860-867 868-875 876-883 884-891 892-899 900-907 908-915 916-923 924-931 932-939 940-947 948-955 956-963 964-971 972-979 980-987 988-995 Appendix C C-39 Revision 4 (10/1/01) Effective 6/1/97 RECORD LAYOUT - COBOL Output – Claims Information and Error Extract FD Output – FileLabel Records are Standard Block Contains 36 Records Recording Mode is FData Record is Output–Record 01 Output - Record 05 OC-WYO-Prefix-Code 05 OC-Policy-Number 05 OC-Date-of-Loss 05 OC-Catastrophe-Number 05 OC-Cause-of-Loss 05 OC-Water-Depth 05 OC-Total-Property-Value 05 OC-Total-Building-Damage 05 OC-Total-Contents-Damage 05 OC-Expense-Contents-Removal 05 OC-Expense-Flood-Protect 05 OC-Reserve-Building 05 OC-Reserve-Contents 05 OC-Close-Date 05 OC-CWOP-Building 05 OC-Replacement-Cost-Ind 05 OC-Expense-Mobile-Removal 05 OC-CWOP-Contents 05 OC-Reopen-Date 05 OC-Foundation 05 OC-Exterior-Wall-Structure 05 OC-Exterior-Wall-Surface 05 OC-Flood-Characteristics 05 OC-Factors-Cause-of-Loss 05 OC-Duration-Water-Building 05 OC-Alteration-Date 05 OC-Substantial-Improvement-Ind 05 OC-Duration-Not-Habitable 05 OC-Property-Value-Main 05 OC-Property-Value-Appurt 05 OC-Damage-Main 05 OC-Damage-Appurt 05 OC-Damage-Contents-Main 05 OC-Damage-Contents-Appurt 05 OC-Deductible-Building 05 OC-Deductible-Contents 05 OC-Value-Building-Items 05 OC-Value-Contents-Items 05 OC-Building-Dmg-Subject 05 OC-Contents-Dmg-Subject 05 OC-Value-Contents 05 OC-Final-Payment-Ind-Building 05 OC-Final-Payment-Ind-Contents 05 OC-Total-Building-Payments PIC X(5). PIC X(10). PIC 9(8). PIC 9(3). PIC X(1). PIC S9(3). PIC 9(10). PIC 9(10). PIC 9(7). PIC 9(4). PIC 9(4). PIC 9(10)V99. PIC 9(7)V99. PIC 9(8). PIC X(2). PIC X(1). PIC 9(4). PIC X(2). PIC 9(8). PIC X(2). PIC X(1). PIC X(1). PIC X(1). PIC X(1). PIC 9(3). PIC 9(8). PIC X(1). PIC X(1). PIC 9(10). PIC 9(7). PIC 9(10). PIC 9(7). PIC 9(7). PIC 9(7). PIC X(1). PIC X(1). PIC X(1). PIC X(1). PIC X(1). PIC X(1). PIC 9(7). PIC X(1). PIC X(1). PIC S9(10)V99. Appendix C C-40 Revision 4 (10/1/01) Effective 6/1/97 Record Layout (cont’d.) 05 OC-Total-Contents-Payments 05 OC-Total-Building-Recovery 05 OC-Total-Contents-Recovery 05 OC-Total-Salvage 05 OC-Total-Subrogation 05 OC-Total-Sp-Exp-1 05 OC-Total-Sp-Exp-2 05 OC-Total-Sp-Exp-3 05 OC-Total-Sp-Exp-4 05 OC-WYO-Cmpy-Use 05 OC-ICC-Actual-Expense 05 OC-ICC-Claim-Indicator 05 OC-ICC-Claim-Payment 05 OC-ICC-Claim-Payment-Recovery 05 OC-ICC-Flood-Damage-Amount-Prior 05 OC-ICC-Mitigation-Indicator 05 OC-ICC-Prior-Date-of-Loss 05 OC-ICC-Property-Value-Current 05 OC-ICC-Property-Value-Prior 05 OC-Total-Building-Damage-RCV 05 OC-Total-Damages-to-Contents-RCV 05 OC-Total-Property-Value-RCV 05 OC-Total-Amount-of-Insurance-Building 05 OC-Total-Amount-of-Insurance-Contents 05 OC-Number-of-Floors/Building-Type 05 OC-Elevated-Building-Indicator 05 OC-Deductible-Building 05 OC-Deductible-Contents 05 OC-Condominium-Indicator 05 OC-Occupancy-Type 05 OC-Reserve-ICC 05 OC-Final-Payment-Ind-ICC 05 OC-CWOP-ICC 05 OC-Condominium-Units 05 OC-Course-Construct 05 OC-Policy-Effect-Date 05 OC-Policy-Expire-Date 05 OC-Principal-Residence 05 OC-Policy-Run-Date 05 OC-Policy-Status 05 OC-Cancellation-Date 05 OC-Risk-Rating-Method 05 OC-NFIP-ICC-Coverage 05 OC-Program-Type 05 OC-PRP-Inelig 05 OC-Co-Insur-Claim-Settlement-Indicator 05 OC-Reserved-for-NFIP-Use 05 OC-NFIP-Activity-Date 05 OC-NFIP-Claim-Status 05 OC-NFIP-Payment-Limit-Building 05 OC-NFIP-Payment-Limit-Contents 05 OC-NFIP-Payment-Limit-ICC 05 OC-NFIP-Use 05 OC-Error-Codes-Out. 10 Error-CDEX Occurs 25 Times 15 Error-Code 15 Error-Date PIC S9(8)V99. PIC S9(10)V99. PIC S9(8)V99. PIC S9(10)V99. PIC S9(10)V99. PIC S9(8)V99. PIC S9(8)V99. PIC S9(8)V99. PIC S9(8)V99. PIC X(30). PIC 9(10). PIC X(1). PIC S9(5)V99. PIC S9(5)V99. PIC 9(10). PIC X(1). PIC 9(8)YYYYMMDD. PIC 9(10). PIC 9(10). PIC 9(10). PIC 9(7). PIC 9(10). PIC 9(8). PIC 9(8). PIC X(1). PIC X(1). PIC X(1). PIC X(1). PIC X(1). PIC X(1). PIC 9(5)V99. PIC X(1). PIC X(2). PIC 9(3). PIC X(1). PIC 9(8). PIC 9(8). PIC X(1). PIC 9(8). PIC X(1). PIC 9(8). PIC X(1). PIC 9(5). PIC X(1). PIC X(1). PIC X(1). PIC X(03). PIC 9(8). PIC X(1). PIC S9(10)V99. PIC S9(8)V99. PIC S9(8)V99. PIC X(50). PIC X(8). PIC 9(8). Appendix C C-41 Revision 4 (10/1/01) Effective 5/1/00 SECTION 3 – REJECTED TRANSACTION INFORMATION A. DESCRIPTIONS AND EXAMPLES OF REJECTED TRANSACTION REPORTS Descriptions and examples of the following RejectedTransaction Reports are provided: • Rejected Policy Detail Transaction Report (W2RREJDP) • Policy Reject Summary Report (W2RREJRP) • Rejected Policy Transaction Statistics (W2PRPR07) • Rejected Claims Detail Transaction Report (W2RREJDC) • Claims Reject Summary Report (W2RREJRC) • Rejected Loss Transaction Statistics (W2PRCR07) NOTE: The following Policy Reject reports have been consolidated intoreport W2RREJRP, effective October 1, 2002: • Current Rejected Policy Transaction Summary Report(W2RREJSP) • Captured Resubmitted Policy Transaction Summary Report(W2RREJCP) The following Claims Reject reports have been consolidated intoreport W2RREJRC, effective October 1, 2002: • Captured Resubmitted Claims Transaction Summary Report(W2RREJCC) • Current Rejected Claims Transaction Summary Report(W2RREJSC) Appendix C C-42 Revision 4 (10/1/01) Change 3 Effective 10/1/02 W2RREJDP Rejected Policy Detail Transaction Report Description: This report is produced on a special request basisonly after the processing of WYO company TRRPsubmissions. All policy transactions that did notpass their respective rejection edits, originallywere rejected prior to October 1, 1989, and werenot applied to the NFIP/WYO System data base duringthe processing of the current statisticalsubmission, are included in this report. W2RREJDP lists the Policy Number, Transaction Date, Transaction Code, Policy/Endorsement/CancellationEffective Date, an indicator for transactions beingre-rejected (RR), Premium/Refund amount, and PolicyRejection Code with error description for everyrejected policy transaction by company. This report provides detailed rejected transactioninformation to assist companies in the correctresubmission of the data. Rejection codes arekeyed to the WYO Edit Specifications document wheremore detailed edit information can be found. Also included are summary totals of net rejectedpremium amounts and net premium amounts associatedwith transactions being re-rejected. Report Keys: W2RREJDP is keyed by Company Code, Policy Number, Transaction Date, and Transaction Code. Company Code: This is the highest key and indicates to which WYO company thereport applies. Policy Number: Policy number is the second highest qualifier. All rejectedtransactions for a single PolicyNumber are grouped together inreport W2RREJDP. Transaction Rejected transactions for Date: each policy number are sorted bythe Transaction Date reported bythe WYO company as the date onwhich the transaction was processedthrough the company’s automatedsystem. Appendix C C-43 Revision 4 (10/1/01) Effective 10/1/89 Transaction Indicates the type of transaction Code: submitted by the WYO company. Transactions submitted against apolicy record subsequent to atransaction against that recordalready rejected may also berejected. Appendix C C-44 Revision 4 (10/1/01) Effective 10/1/89 EXHIBIT C-9. W2RREJDP, Rejected Policy Detail Transaction Report Appendix C C-45 Revision 4 (10/1/01) Effective 10/1/96 REPORT W2RREJDP FEDERAL EMERGENCY MANAGEMENT AGENCY PAGE 1 RUNDATE: DEC 20 1996 NATIONAL FLOOD INSURANCE PROGRAM RUN TIME: 16.20.34 REJECTED POLICY DETAIL TRANSACTION REPORT FOR OCTOBER 1996 COMPANY NAME: ABC INSURANCE COMPANY COMPANY NUMBER: 99999 POLICY TRANS TRANS POL/END EFF/ PREMIUM/REFUND REJECT NUMBER DATE CODE CANCEL DATE RR AMOUNT CNTL NUM ERROR 0205034185 03/27/1996 11 03/25/1996 $150.00 000027 ___PR004030 ERROR MESSAGE____ THE SUBMITTED POLICY NUMBER FOR FEDERAL POLICY FEE: $25.00 ORIG SUB DATE: 03/1996 THE NEW BUSINESS IS ALREADY ON FILE 0405000078 02/28/1996 15 09/05/1995 $145.00 078876 ___PR009030 ERROR MESSAGE____ THE ENDORSEMENT EFFECTIVE DATE FEDERAL POLICY FEE: $8.40 ORIG SUB DATE: 02/1996 DOES NOT FALL WITHIN THE POLICY EFFECTIVE DATE AND EXPIRATION DATE 0405000078 04/08/1996 26 09/05/1995 X $145.00 116470 ___SR999200 ERROR MESSAGE____ ERROR MESSAGE NOT FOUND FEDERAL POLICY FEE: $.00 ORIG SUB DATE: 04/1996 040500360 04/01/1996 23 02/26/1996 $68.00 093957 ___PR009050 ERROR MESSAGE____ ON POLICY CORRECTIONS, THE FEDERAL POLICY FEE: $.00 ORIG SUB DATE: 04/1996 ENDORSEMENT EFFECTIVE DATE MUST BE ON FILE. 0405000497 01/04/1996 20 01/07/1996 $.00 187531 ___PR009030 ERROR MESSAGE____ THE ENDORSEMENT EFFECTIVE DATE FEDERAL POLICY FEE: $.00 ORIG SUB DATE: 01/1996 DOES NOT FALL WITHIN THE POLICY EFFECTIVE DATE AND EXPIRATION DATE 0405000532 03/10/1996 17 12/28/1996 $326.00 086172 ___PR007060 ERROR MESSAGE____ THE POLICY EFFECTIVE DATE MUST BE FEDERAL POLICY FEE: $25.00 ORIG SUB DATE: 03/1996 GREATER THAN OR EQUAL TO THE POLICY EXPIRATION DATE OF THE PREVIOUS TERM, BUT NOT MORE THAN 124 DAYS FOR POLICY REISSUANCE. EXHIBIT C-9 (cont’d.). W2RREJDP, Rejected Policy Detail Transaction Report Appendix C C-46 Revision 4 (10/1/01) Effective 12/31/00 REPORT W2RREJDP FEDERAL EMERGENCY MANAGEMENT AGENCY PAGE 2 RUNDATE: DEC 20 1996 NATIONAL FLOOD INSURANCE PROGRAM RUN TIME: 15.45.03 REJECTED POLICY DETAIL TRANSACTION REPORT FOR OCTOBER 1996 COMPANY NAME: ABC INSURANCE COMPANY COMPANY NUMBER: 99999 POLICY TRANS TRANS POL/END EFF/ PREMIUM/REFUND REJECT NUMBER DATE CODE CANCEL DATE RR AMOUNT CNTL NUM ERROR TOTAL FIRST TIME REJECTED PREMIUMS: $839,875.75 TOTAL FIRST TIME FEDERAL PROCESSING FEES $47.18 TOTAL RESUBMITTED REJECTED PREMIUMS: $6,212.00 TOTAL RESUBMITTED FEDERAL PROCESSING FEES: $16.80 TOTAL FIRST TIME REJECTED PREMIUMS TOTAL FIRST TIME FEDERAL PROCESSING FEES LESS RESUBMITTED REJECTED PREMIUMS: $833,673.75 LESS RESUBMITTED FEDERAL PROCESSING FEES: $30.38 TOTAL FIRST TIME REJECTED PREMIUMS TOTAL FIRST TIME FEDERAL PROCESSING FEES PLUS RESUBMITTED REJECTED PREMIUMS: $846,097.75 PLUS RESUBMITTED FEDERAL PROCESSING FEES: $63.98 TOTAL FIRST TIME MONEY PREMIUM TXNS: 76 TOTAL FIRST TIME MONEY FEDERAL PROCESSING FEE TXNS: 10 TOTAL FIRST TIME NONMONEY PREMIUM TXNS: 194 TOTAL FIRST TIME NONMONEY FEDERAL PROCESSING FEE TXNS: 260 TOTAL RESUBMITTED MONEY PREMIUM TXNS: 22 TOTAL RESUBMITTED MONEY FEDERAL PROCESSING FEE TXNS: 2 TOTAL RESUBMITTED NONMONEY PREMIUM TXNS: 67 TOTAL RESUBMITTED NONMONEY FEDERAL PROCESSING FEE TXNS: 87 TOTAL FIRST TIME MONEY PREMIUM TXNS: TOTAL FIRST TIME MONEY FEDERAL PROCESSING FEE TXNS PLUS RESUBMITTED MONEY PREMIUM TXNS: 98 PLUS RESUBMITTED MONEY FEDERAL PROCESSING FEE TXNS: 12 TOTAL FIRST TIME NONMONEY PREMIUM TXNS: TOTAL FIRST TIME NONMONEY FEDERAL PROCESSING FEE TXNS: PLUS RESUBMITTED NONMONEY PREMIUM TXNS: 261 PLUS RESUBMITTED NONMONEY FEDERAL PROCESSING FEE TXNS: 347 GRAND TOTAL ALL REJECTED PREMIUM TXNS: 359 GRAND TOTAL ALL REJECTED FEDERAL PROCESSING FEE TXNS: 359 GRAND TOTAL FIRST TIME MONEY TXNS: 77 GRAND TOTAL FIRST TIME NONMONEY TXNS: 193 GRAND TOTAL RESUBMITTED MONEY TXNS: 22 GRAND TOTAL RESUBMITTED NONMONEY TXNS: 67 GRAND TOTAL FIRST TIME MONEY TXNS: PLUS RESUBMITTED MONEY TXNS: 99 GRAND TOTAL FIRST TIME NONMONEY TXNS: PLUS RESUBMITTED NONMONEY TXNS: 260 GRAND TOTAL ALL REJECTED TXNS: 359 W2RREJRP Policy Reject Summary Report Description: This report is produced each month after theprocessing of WYO company TRRP submissions. For each company, it summarizes rejected policytransaction information by transaction type anderror code, and critical versus noncritical statuswithin error code. Reject information pertains tooutstanding rejected transactions. W2RREJRP lists the Transaction Code, the number ofthose transactions that were rejected for eachpertinent error code, a description of whetherrejected dollar amounts concern written premiums orpremium refunds, an indicator for transactionsbeing re-rejected (RR), the rejected dollaramounts, and the error code with an errordescription. Rejection error codes are keyed tothe WYO Edit Specifications document. Also included are summary totals of net rejectedpremium amounts and net premium amounts associatedwith the transaction being re-rejected. Appendix C C-47 Revision 4 (10/1/01) Change 3 Effective 10/1/02 EXHIBIT C-10. W2RREJRP, Policy Reject Summary Report Appendix C C-48 Revision 4 (10/1/01) Change 3 Effective 10/1/02 REPORT: W2RREJRP FEDERAL EMERGENCY MANAGEMENT AGENCY PAGE 1 RUNDATE: JUN 13 2002 NATIONAL FLOOD INSURANCE PROGRAM RUNTIME: 16.39.33 POLICY REJECT SUMMARY REPORT AS OF APRIL 2002 VENDOR NAME: ACME VENDOR – 12345 COMPANY NAME: ABC INSURANCE COMPANY - 99999 TRANS NUMBER OF CODE TRANSACTIONS DESCRIPTION RR DOLLAR AMOUNT ERROR /DESCRIPTION 20 1 PREMIUM X PREM: .00 PR015030 ENDORSEMENTS FPF: .00 ATTEMPT TO ASSIGN POLICY ISSUED ON BUILDING IN REPORT TYPE: MASTER FILE COURSE OF CONSTRUCTION OR FOR CONTENTS ONLY. 23 1 PREMIUM X PREM: .00 PR009050 POL CORRECTION FPF: .00 ON POLICY CORRECTIONS, THE ENDORSEMENT REPORT TYPE: MASTER FILE EFFECTIVE DATE MUST BE ON FILE. EXHIBIT C-10 (cont’d.). W2RREJRP, Policy Reject Summary Report Appendix C C-49 Revision 4 (10/1/01) Change 3 Effective 10/1/02 REPORT: W2RREJRP RUNDATE: JUN 13 2002 RUNTIME: 16:39:33 FEDERAL EMERGENCY MANAGEMENT AGENCY NATIONAL FLOOD INSURANCE PROGRAM PAGE 2 POLICY REJECT SUMMARY REPORT AS OF APRIL 2002 VENDOR NAME: ACME VENDOR – 12345 COMPANY NAME: ABC INSURANCE COMPANY - 99999 MASTER FILE CURRENT REJECTED CAPTURED RESUBMITTED PREMIUM POLICY FEE PREMIUM POLICY FEE PREMIUM POLICY FEE TOTAL FIRST TIME: TOTAL RESUBMITTED: TOTAL FIRST TIME LESS RESUBMITTED: TOTAL FIRST TIME PLUS RESUBMITTED: .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 -382.00 382.00 -.382.00 .00 -30.00 30.00 -30.00 TOTAL FIRST TIME MONEY TXNS: NONMONEY TXNS: TOTAL RESUBMITTED MONEY TXNS: NONMONEY TXNS: 0 0 0 2 0 0 0 2 0 0 0 1 0 0 0 1 0 0 1 0 0 0 1 0 TOTAL FIRST TIME PLUS RESUBMITTED MONEY TXNS: NONMONEY TXNS: 0 2 0 2 0 1 0 1 1 0 1 0 GRAND TOTAL *ALL* TXNS: 2 2 1 1 1 1 GRAND TOTAL FIRST TIME MONEY TXNS: NONMONEY TXNS: 0 0 0 0 0 0 GRAND TOTAL RESUBMITTED MONEY TXNS: NONMONEY TXNS: 0 2 0 1 1 0 GRAND TOTAL FIRST TIME PLUS RESUBMITTED MONEY TXNS: NONMONEY TXNS: 0 2 0 1 1 0 GRAND TOTAL *ALL* TXNS 2 1 1 W2PRPR07 Rejected Policy Transaction Statistics Description: This report is produced each month after theprocessing of the WYO company TRRP submission. This report provides more information on rejectedPolicy transactions from which the WYO companyperformance is assessed by the WYO StandardsCommittee. Error information is summarized by company andoriginal submission month. The report provides: 1) The total number of loss rejected transactions. 2) The number of rejected critical policy transactions. 3) The number of rejected critical policy transactions that have aged 6 months. Report Keys: W2PRPR07 is keyed by Company Code and OriginalSubmission Month. Company Code: This is the highest key andindicates to which Write Your Own company the report applies. Original Policy transactions are grouped Submission Month: by the original submission monthin which the transaction was rejected. Appendix C C-50 Revision 4 (10/1/01) Effective 3/1/95 REPORT: W2PRPR07 FEDERAL EMERGENCY MANAGEMENT AGENCY PAGE 1 RUNDATE: DEC 15, 1996 NATIONAL FLOOD INSURANCE PROGRAM RUNTIME: 03.55.05 REJECTED POLICY TRANSACTION STATISTICS AS OF 10/31/1996 NON-VENDOR ABC INSURANCE COMPANY - 99999 123 COMMON STREET LANHAM, MD 20706 TOTAL CRITICAL CRITICAL ORIGINAL POLICY POLICY POLICY SUBMISSION REJECTED REJECTED REJECTED YEAR MONTH TRANSACTIONS TRANSACTIONS AGED 6 MONTHS 1995 JAN 1 1 1 1995 FEB 29 0 0 1995 MAR 6 0 0 1995 APR 7 0 0 1995 MAY 4 0 0 1995 JUN 28 0 0 1995 JUL 73 0 0 1995 AUG 45 0 0 1995 SEP 19 0 0 1995 OCT 59 0 0 1995 NOV 21 0 0 1995 DEC 144 0 0 1996 JAN 31 0 0 1996 FEB 117 3 3 1996 MAR 25 2 0 1996 APR 25 4 0 1996 MAY 31 8 0 1996 JUN 64 15 0 1996 JUL 14 7 0 1996 AUG 28 9 0 TOTAL FOR COMPANY ABC INSURANCE COMPANY 771 49 4 EXHIBIT C-11. W2PRPR07, Rejected Policy Transaction Statistics Appendix C C-51 Revision 4 (10/1/01) Effective 12/31/00 W2RREJDC Rejected Claims Detail Transaction Report Description: Report Keys: This report is produced on a special request basisonly after the processing of WYO company TRRPsubmissions. All claim/loss transactions that didnot pass their respective rejection edits, and werenot applied to the NFIP/WYO TRRP System data baseduring the processing of the current statisticalsubmission are included in this report. W2RREJDC lists the Policy Number, Date of Loss, Transaction Date, Transaction Code, an indicatorfor transactions being re-rejected (RR), andRejection Code with error description for everyrejected loss transaction by company. The reserve, payments, special expenses, and recoveriesinformation submitted on the rejected transactionis also provided. This report provides detailedrejected transaction information to assistcompanies in the correct resubmission of the data. Rejection codes are keyed to the WYO EditSpecifications document where more detailed editinformation can be found. Also included are summary totals of the rejectedpayments, special expenses, and net paid losses. These items are broken out separately forre-rejected transactions. W2RREJDC is keyed by Company Code, Policy Number, Date of Loss, Transaction Date, and TransactionCode. Company Code: This is the highest key andindicates to which WYO company thereport applies. Policy Number: Policy number is the second highest qualifier. All rejected transactions for a single PolicyNumber are grouped together inreport W2RREJDC. Date of Loss: This is the third highest key andis the Date of Loss reported by theWYO company. Transaction Date: Rejected transactions for eachpolicy number are sorted by theTransaction Date reported by the Appendix C C-52 Revision 4 (10/1/01) Change 3 Effective 10/1/02 WYO company as the date on whichthe transaction was processedthrough the company’s automatedsystem. Transaction Indicates the type of transaction Code: submitted by the WYO company. Transactions submitted against apolicy record subsequent to atransaction against that recordalready rejected may also berejected. Appendix C C-53 Revision 4 (10/1/01) Effective 6/1/97 EXHIBIT C-12. W2RREJDC, Rejected Claims Detail Transaction Report Appendix C C-54 Revision 4 (10/1/01) Change 3 Effective 10/1/02 REPORT: W2RREJDC RUNDATE: AUG 20 1997 RUNTIME: 03:02:02 FEDERAL EMERGENCY MANAGEMENT PROGRAM NATIONAL FLOOD INSURANCE PROGRAM REJECTED CLAIMS DETAIL TRANSACTION REPORT FOR JUNE 1997 PAGE 1 COMPANY NAME: ABC INSURANCE COMPANY COMPANY NUMBER 99999 POLICYNUMBER DATE OF LOSSTRANS DATETRANS CODE RRRESERVE BUILDINGRESERVE CONTENTSRESERVE ICCREJECT CNTL NUMORIG SUB DT FL04001305 1997/06/15 PAY BLDG PAY CONT. PAY ICC REC BLDG REC CONT REC ICC SALVAGE SUBROGATION SPECIAL EXPENSE 1997/06/20 1996/10/25 0000/00/000000/00/00 43 X $.00 $613.20 $.00 $.00 $.00 $.00 $.00 $.00 $.00 $.00 $.00 ___CR066050 ERROR MESSAGE___ DATE OF LOSS IS NOT ON FILE FOR THE POLICYTYPE $.00 123456 199706 FL04001305 1997/06/16 PAY BLDG PAY CONT. PAY ICC REC BLDG REC CONT REC ICC SALVAGE SUBROGATION SPECIAL EXPENSE 1997/07/11 1996/07/11 0000/00/000000/00/00 40 $.00 $.00 $81.79 $.00 $.00 $.00 $.00 $.00 $.00 $.00 $.00 $.00 ___CR066050 ERROR MESSAGE___ DATE OF LOSS IS NOT ON FILE FOR THE POLICYTYPE $.00 234567 199705 FL06003049 PAY BLDG PAY CONT. PAY ICC REC BLDG REC CONT REC ICC SALVAGE SUBROGATION SPECIAL EXPENSE 1997/07/11 1996/07/11 0000/00/000000/00/00 40 $.00 $13.23 $.00 $.00 $.00 $.00 $.00 $.00 $.00 $.00 $.00 ___CR066050 ERROR MESSAGE___ DATE OF LOSS IS NOT ON FILE FOR THE POLICYTYPE $.00 145678 199704 EXHIBIT C-12 (cont’d.). W2RREJDC, Rejected Claims Detail Transaction Report Appendix C C-55 Revision 4 (10/1/01) Change 3 Effective 10/1/02 REPORT: W2RREJDC RUNDATE: AUG 20 1997 RUNTIME: 03:02:02 FEDERAL EMERGENCY MANAGEMENT AGENCY NATIONAL FLOOD INSURANCE PROGRAM PAGE 2 REJECTED CLAIMS DETAIL TRANSACTION REPORT FOR JUNE 1997 COMPANY NAME: ABC INSURANCE COMPANY COMPANY NUMBER: 99999 TOTAL PAY BLDG: TOTAL PAY CONT: TOTAL ICC TOTAL PAYMENTS: TOTAL RR PAYMENTS: TOTAL PAYMENTS LESS RR PAYMENTS: $708.22 $.00 $.00 $92.02 $613.20 -$518.18 TOTAL SALVAGE: TOTAL SUBROGA: TOTAL REC BLDG: TOTAL REC CONT: TOTAL REC ICC: TOTAL RECOVERY: TOTAL RR RECOVERY: TOTAL RECOVERY LESS RR RECOVERY: $.00 $.00 $.00 $.00 $.00 $.00 $.00 $.00 SPECIAL EXPENSE NET PAID LOSSES: NET RR PD LOSSES NET PAID LOSSES LESS NET RR PD LOSSES: $.00 $95.02 $613.20 -$518.18 W2RREJRC Claims Reject Summary Report Description: This report is produced each month after theprocessing of WYO company TRRP submissions. For each company, it summarizes rejected claims/losstransaction information by transaction type, errorcode, and critical versus noncritical status withinerror code. Reject information pertains tooutstanding rejected transactions. W2RREJRC lists the Transaction Code, the number of those transactions that were rejected for eachpertinent error code, a description of what type ofdollar amounts were rejected, an indicator fortransactions being re-rejected (RR), the rejecteddollar amounts, and the error code with an errordescription. Rejection error codes are keyed tothe WYO Edit Specifications document. Also included are summary totals of the rejectedpayments, special expenses, recoveries, and netpaid losses. These items are broken out separatelyfor re-rejected transactions. Appendix C C-56 Revision 4 (10/1/01) Change 3 Effective 10/1/02 EXHIBIT C-13. W2RREJRC, Claims Reject Summary Report Appendix C C-57 Revision 4 (10/1/01) Change 3 Effective 10/1/02 REPORT: W2RREJRC FEDERAL EMERGENCY MANAGEMENT AGENCY PAGE 1 RUNDATE: JUN 13 2002 NATIONAL FLOOD INSURANCE PROGRAM RUNTIME: 16:39:47 CLAIMS REJECT SUMMARY REPORT AS OF APRIL 2002 VENDOR NAME: ACME VENDOR – 12345 COMPANY NAME: ABC INSURANCE COMPANY - 99999 TRANS NUMBER OF CODE TRANSACTIONS DESCRIPTION RR DOLLAR AMOUNT ERROR /DESCRIPTION 31 57 RES BLDG: 42,965.78 CR066030 OPEN CLAIM RES CONT: 18,027.00 A CLAIM IS ALREADY ON FILE FOR THIS POLICY AND DATE OF REPORT TYPE: MASTER FILE RES ICC: 352,705.68 OF LOSS .00 31 1 NON MONEY .00 PR004040 OPEN CLAIM .00 THE POLICY NUMBER SUBMITTED WITH THIS TRANSACTION REPORT TYPE: MASTER FILE .00 COULD NOT BE FOUND ON FILE. .00 46 1 NON MONEY .00 CR066050 CLOSE CLM W/O PAYMNT .00 DATE OF LOSS IS NOT ON FILE FOR THE POLICY. REPORT TYPE: MASTER FILE .00 .00 49 1 PAY BLDG: X 4,805.58 CR066050 ADD TO FINAL PAYMENT .00 DATE OF LOSS IS NOT ON FILE FOR THE POLICY. REPORT TYPE: CAPTURED RESUBMT .00 .00 61 2 NON MONEY .00 CR066050 GEN CLM CORRECTION .00 DATE OF LOSS IS NOT ON FILE FOR THE POLICY. REPORT TYPE: MASTER FILE .00 .00 61 6 NON MONEY .00 PR002020 GEN CLM CORRECTION .00 WYO TRANSACTION DATE IS NOT A VALID DATE. REPORT TYPE: MASTER FILE .00 .00 64 1 PAY BLDG: 28,740.68 CR066050 CLM PAY CORRECTION .00 DATE OF LOSS IS NOT ON FILE FOR THE POLICY. REPORT TYPE: MASTER FILE .00 EXHIBIT C-13 (cont’d.). W2RREJRC, Policy Reject Summary Report Appendix C C-58 Revision 4 (10/1/01) Change 3 Effective 10/1/02 REPORT: W2RREJRC RUNDATE: JUN 13 2002 RUNTIME: 16:39:47 FEDERAL EMERGENCY MANAGEMENT AGENCY NATIONAL FLOOD INSURANCE PROGRAM PAGE 2 CLAIMS REJECT SUMMARY REPORT AS OF APRIL 2002 VENDOR NAME: ACME VENDOR – 12345 COMPANY NAME: ABC INSURANCE COMPANY - 99999 MASTER FILE CURRENT REJECTED CAPTURED RESUBMITTED PAYMENTS RECOVERIES PAYMENTS RECOVERIES PAYMENTS RECOVERIES TOTAL BUILDING: TOTAL CONTENTS: TOTAL ICC: TOTAL SALVAGE: TOTAL SUBROGATION: 28,740.68 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 TOTAL FIRST TIME: TOTAL RESUBMITTED: TOTAL FIRST TIME PLUS RESUBMITTED: 28,740.68 .00 28,740.68 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 4,805.58 4,805.58 .00 .00 .00 NET FIRST TIME: NET RESUBMITTED: NET FIRST TIME PLUS RESUBMITTED: 28,470.68 .00 28,740.68 .00 .00 .00 .00 4,805.58 4,805.58 SPECIAL EXPENSE TOTAL FIRST TIME: TOTAL RESUBMITTED: TOTAL FIRST TIME PLUS RESUBMITTED: .00 .00 .00 .00 .00 .00 .00 .00 .00 TRANSACTIONS MONEY NON-MONEY MONEY NON-MONEY MONEY NON-MONEY ----------------- TOTAL FIRST TIME: TOTAL RESUBMITTED: TOTAL FIRST TIME PLUS RESUBMITTED: 1 0 1 67 0 67 0 0 0 0 0 0 0 1 1 0 0 0 GRAND TOTAL FIRST TIME: GRAND TOTAL RESUBMITTED: 68 0 0 0 0 1 GRAND TOTAL *ALL* TXNS: 68 0 1 W2PRCR07 Rejected Loss Transaction Statistics Description: This report is produced each month after theprocessing of the WYO company TRRP submissions. This report provides more information on rejectedloss transactions from which the WYO companyperformance is assessed by the WYO StandardsCommittee. Error information is summarized by company andoriginal submission month. The report provides: 1) The total number of loss rejected transactions. 2) The number of rejected critical loss transactions. 3) The number of rejected critical loss transactions that have aged 6 months. Report Keys: W2PRCR07 is keyed by Company Code and OriginalSubmission Month. Company Code: This is the highest key andindicates to which Write Your Own company the report applies. Original Loss transactions are grouped by Submission Month: by the original submission month inwhich the transaction was rejected. Appendix C C-59 Revision 4 (10/1/01) Effective 3/1/95 REPORT: W2PRCR07 FEDERAL EMERGENCY MANAGEMENT AGENCY PAGE 1 RUNDATE: DEC 15, 1996 NATIONAL FLOOD INSURANCE PROGRAM RUNTIME: 03.56.10 REJECTED LOSS TRANSACTION STATISTICS AS OF 10/31/1996 NON-VENDOR ABC INSURANCE COMPANY 123 COMMON STREET LANHAM, MD 20706 TOTAL CRITICAL CRITICAL ORIGINAL CLAIMS CLAIMS CLAIMS SUBMISSION REJECTED REJECTED REJECTED YEAR MONTH TRANSACTIONS TRANSACTIONS AGED 6 MONTHS 1995 JAN 1 1 1 1995 FEB 4 0 0 1995 MAR 5 0 0 1995 APR 3 0 0 1995 MAY 2 0 0 1995 JUN 11 0 0 1995 JUL 4 0 0 1995 AUG 4 0 0 1995 SEP 2 0 0 1995 OCT 7 0 0 1995 NOV 5 0 0 1995 DEC 1 0 0 1996 JAN 6 0 0 1996 FEB 8 0 0 1996 MAR 11 0 0 1996 APR 3 0 0 1996 MAY 76 0 0 1996 JUN 4 0 0 1996 JUL 8 12 1 1996 AUG 39 19 2 TOTAL FOR COMPANY ABC INSURANCE COMPANY 284 31 3 EXHIBIT C-14. W2PRCR07, Rejected Loss Transaction Statistics Appendix C C-60 Revision 4 (10/1/01) Effective 12/31/00 B. FTP TRANSMISSION OF REJECTED TRANSACTIONS WYO companies will receive, via FTP, the policy and claimstransactions that have been rejected from a submission. These transactions are the same as supplied by the company, except with some information added by the NFIP/WYO System asdescribed below. For each rejected transaction, the data element OriginalSubmission Month is supplied by the NFIP/WYO System and isset to the month for which the data were being reported. The data element Rejected Transaction Control Number is assigneda unique number within the WYO company and submission monthby the NFIP/WYO System. Thus, the combination of OriginalSubmission Month and Rejected Transaction Control Number willbe unique across all transactions ever reported and rejected. A reject error code will also be supplied with the rejected transaction. The WYO company must determine the critical or noncritical status of the rejected transaction by reading the record for premium, loss payments, or other expense amounts. Appendix A, Section 25, Control and Resubmission of RejectionTransaction, contains a detailed explanation of the processfor resubmitting rejected transactions. The following is the sort sequence in ascending order of the records: -WYO Prefix Code -Policy Number -Sort Sequence Key -Transaction Date -Transaction Code Data Retrieval Procedures The retrieval procedure will be using the File Transfer Protocol(FTP) site address bureau.nfipstat.com. We will place the files onthe FTP site on a monthly basis. The file names located in the Individual Company Reject Datadirectory /users/coxxxxx/rejectdata are outlined below: • Reject Data File name: W2Rxxxxx.zip • Reject Data Record Count File name: W2Rxxxxx.txt • The Record Count File will contain the following information: “The accompanying W2Rxxxxx.zip file contains ##### records” NOTE: xxxxx = company/vendor NAIC number ##### = number of records Appendix C C-61 Revision 4 (10/1/01) Change 6 Effective 5/1/04 All files will be available from the designated FTP address(bureau.nfipstat.com). User ID, passwords, and directory accesswill be provided to each WYO company. WYO companies will be ableto access, read, and write only to their directories. They willnot be able to access, read, or write to other directories. WYOcompanies will be required to obtain an FTP client (e.g., CuteFTP, WSFTP, etc.). For instructions on how to properly set upthe FTP client to gain access to our site, contact your ProgramCoordinator at the NFIP Bureau. Record Layouts The record layouts are the same as described in Part 6. The onlydifference is that the rejection error code indicating the reasonfor rejection is supplied with a record. On all transactions this code is placed in position 450 through 457. If the rejection reason pertains to the Rejected Transaction ControlNumber, the control number is placed in position 444 through 449, the reported Original Submission Month is placed in position 438through 443, and new Rejected Transaction Control Number andOriginal Submission Month are assigned. This reduces the lengthof the “Reserved for NFIP Use” area by 20 and does not change thelength of the record or shift the position of any other dataelement. Appendix C C-62 Revision 4 (10/1/01) Change 6 Effective 5/1/04 SECTION 4 – INELIGIBLE POLICY ERROR INFORMATION A. DESCRIPTIONS AND EXAMPLES OF POLICY ERROR REPORTS Descriptions and examples of the following error reports areprovided: • Invalid Preferred Risk Policies (PRPs) Based on LossHistory (W2MYCOMP) • Invalid Preferred Risk Policies (PRPs) Based on IneligibleFlood Risk Zone (W2MYPFZN) • Invalid Policies (W2RPINVD) • Ineligible/Invalid Policies – By Error Code and Company(W2RPINVA) Appendix C C-63 Revision 4 (10/1/01) Effective 12/31/00 W2MYCOMP Invalid Preferred Risk Policies (PRPs) Based on Loss History Description: This report is produced each month afterprocessing the WYO company’s TRRP submission. It provides detail policy information onineligible PRPs due to the repetitive losseligibility requirement. The policies includedin this report are: 1. PRPs that will be up for renewal at least120 days from the date of processing andwhose property addresses match those foundon the Repetitive Loss Master File. These policies cannot be renewed as PRPs. 2. Records for policies previously reported toWYO companies as ineligible but renewed asPRPs and errored under the TRRP Plan editing. 3. New Business transactions errored for the repetitive loss eligibility requirement. Policies in categories 2 and 3 must be canceledor be endorsed or rewritten as an SFIP on the policy term’s effective date. The insurer is required to take immediate action. There is no tolerance level for these errors. The report provides the policy number, policyeffective date, policy expiration date, and theprior dates of loss. Also included is the invalid PRP indicator that shows whether the policy was previously reported as ineligibleprior to renewal and, subsequently, renewed asa PRP, value Y. Ineligible PRP policiesreported for the first time prior to renewalwill contain a value of N. Appendix C C-64 Revision 4 (10/1/01) Change 4 Effective 5/1/03 The record layout is as follows: Field Data Element Length WYO Prefix Code 5 Policy Number 10 First Date of Loss 8 Filler 50 Filler 12 Second Date of Loss 8 Filler 50 Filler 12 Third Date of Loss 8 Filler 50 Filler 12 Invalid PRP Indicator 1 Policy Effective Date 8 Policy Expiration Date 8 Property Address 1 50 Property Address 2 50 Property City 30 Property State 2 Property ZIP 9 Error Date 8 Record Position 1-5 6-15 16-23 24-73 74-85 86-93 94-143 144-155 156-163 164-213 214-225 226-226 227-234 235-242 243-292 293-342 343-372 373-374 375-383 384-392 Note: The insured name and claim payments will no longer be available. All three occurrences, for both data elements, will be replaced with spaces (filler) in order to retain the original record length. The date of loss for each occurrence will still remain. Appendix C C-65 Revision 4 (10/1/01) Change 3 Effective 10/1/02 RECORD LAYOUT-COBOL Output – Invalid PRP Flood Zone Information FD Output-FileLabel Records are Standard Recording Mode is FData Record is Output-Record 01 Output-Record 05 IP-WYO-Prefix-Code 05 IP-Policy-No05 IP-Date-of-Loss-1 05 Filler 05 Filler 05 IP-Date-of-Loss-2 05 Filler 05 Filler 05 IP-Date-of-Loss-3 05 Filler 05 Filler 05 IP-Invalid-PRP-Ind 05 IP-Pol-Effective-Date 05 IP-Pol-Expiration-Date05 IP-Address1 05 IP-Address2 05 IP-City05 IP-State 05 IP-ZIP 05 IP-Error-Dt PIC X(05). PIC X(10). PIC X(08). PIC X(50). PIC X(12). PIC X(08). PIC X(50). PIC X(12). PIC X(08). PIC X(50). PIC X(12). PIC X(01). PIC 9(08). PIC 9(08). PIC X(50). PIC X(50). PIC X(30). PIC X(02). PIC X(09). PIC 9(08). Report Keys: W2MYCOMP is keyed by company code and propertyaddress. Company Code: This is the highest key andindicates to which Write Your Own company thereport applies. Property Address: This is the property addressas it appears on the WYO Policy Master File andthe Repetitive Loss Master File. Appendix C C-66 Revision 4 (10/1/01) Change 1 Effective 05/1/02 REPORT: W2MYCOMP FEDERAL EMERGENCY MANAGEMENT AGENCY RUNDATE: DEC 21 1998 NATIONAL FLOOD INSURANCE PROGRAM RUNTIME: 16:18:55 INVALID PREFERRED RISK POLICIES AS OF 09/30/1998 BASED ON LOSS HISTORY VENDOR NBR: N/A VENDOR NAME: NON-VENDOR COMPANY NBR: 99999 COMPANY NAME: ABC INSURANCE COMPANY PROPERTY ADDRESS LOSS DATES POLICY: 000181330F 1995/05/08EFF DT: 1997/04/23 1990/05/135216 OAK DR EXP DT: 1998/04/23 1989/11/07ERR DT: 1997/04/30NEW CITY LA 99999-9999 INVALID PRP IND: Y PAGE 1 POLICY: 000308200F 1982/04/25200 WILLOW DR EFF DT: 1997/04/02 1978/05/03EXP DT: 1998/04/02ERR DT: NEW CITY LA 99999-9999 INVALID PRP IND: N POLICY: 000354661G 1995/05/052010 DOGWOOD EFF DT: 1997/10/20 1993/06/25EXP DT: 1998/10/20ERR DT: NEW CITY LA 99999-9999 INVALID PRP IND: N TOTAL ERRORS FOR ABC INSURANCE ARE 3 PLEASE REFER TO APPENDIX C OF THE TRRP MANUAL FOR EXPLANATION. ************************************************************************************************************************** *THE INFORMATION CONTAINED IN THIS REPORT IS LEGALLY PRIVILEGED AND CONFIDENTIAL. * *ITS USE IS PROTECTED UNDER THE PRIVACY ACT OF 1974, 5 U.S.C. SECTION 552(A). USE OF * *THE INFORMATION PROVIDED SHOULD BE RESTRICTED TO APPLICABLE ROUTINE USE CITED * *IN THE SYSTEMS NOTICE PUBLISHED IN 56 FR 26415. * ************************************************************************************************************************** EXHIBIT C-15. W2MYCOMP, Invalid Preferred Risk PoliciesBased on Loss History Appendix C C-67 Revision 4 (10/1/01) Change 2 Effective 5/1/02 W2MYPFZN Invalid Preferred Risk Policies (PRPs) Based on Ineligible Flood Risk Zone Description: This report is produced each month afterprocessing the WYO company’s TRRP submission. It provides detail policy information onineligible new business and renewal PRPs dueto the flood risk zone eligibilityrequirement. These policies must be canceled or be endorsedor rewritten as of the policy’s effective dateas an SFIP. The insurer is required to takeimmediate action. There is no tolerance level for these errors. A WYO company may appeal the eligibility of aPRP by providing the following documentation: (1) Copy of the map with the propertyidentified on it along with a copy of the FIRMcover, or (2) Certification from a flood zonedetermination company that has the communitynumber, map panel number, and suffix on it, or (3) Certification from the community officialthat has the community number, map panelnumber, and suffix on it. The report provides the policy number, policyeffective date, policy expiration date, andthe flood risk zone as determined by the NFIPBureau and Statistical Agent. Appendix C C-68 Revision 4 (10/1/01) Change 4 Effective 5/1/03 The record layout is as follows: RECORD LAYOUT Field Record Data Element Length Position WYO Prefix Code 5 1-5 Policy Number 10 6-15 Flood Risk Zone 3 16-18 Policy Effective Date 8 19-26 Policy Expiration Date 8 27-34 Property Address 1 50 35-84 Property Address 2 50 85-134 Property City 30 135-164 Property State 2 165-166 Property ZIP 9 167-175 Policy Error Date 8 176-183 Policy Error Code 8 184-191 Q3 Community Number 6 192-197 Q3 Community Map Panel 4 198-201 Q3 Community Map Suffix 1 202-202 Insured Name 50 203-252 Transaction Code 2 253-254 Endorsement Effective Date 8 255-262 RECORD LAYOUT-COBOL Output – Invalid PRP Flood Zone Information FD Output-FileLabel Records are Standard Recording Mode is FData Record is Output-Record 01 Output-Record05 IP-WYO-Prefix-Code PIC X(05). 05 IP-Policy-No PIC X(10). 05 IP-Flood-Zone PIC X(03). 05 IP-Pol-Effective-Date PIC 9(08). 05 IP-Pol-Expiration-Date PIC 9(08). 05 IP-Address1 PIC X(50). 05 IP-Address2 PIC X(50). 05 IP-City PIC X(30). 05 IP-State PIC X(02). Appendix C C-69 Revision 4 (10/1/01) Change 3 Effective 10/1/02 01 Output-Record (Cont’d.) 05 IP-ZIP PIC X(09). 05 IP-Pol-Error-Date PIC 9(08). 05 IP-Pol-Error-Code PIC X(08). 05 IP-Q3-Comm-Num PIC X(06). 05 IP-Q3-Comm-Panel PIC X(04). 05 IP-Q3-Comm-Suffix PIC X(01). 05 IP-Insured-Name PIC X(50). 05 IP-Trans-Cd PIC X(02). 05 IP-Endorse-Effective-Dt PIC 9(08). REPORT KEYS: W2MYPFZN is keyed by company code andinsured name and property address. Company Code: This is the highest key andindicates to which Write Your Own company the report applies. Property Address: This is the propertyaddress as it appears on the WYO PolicyMaster File and is used for geocodingand plotting the property on a Q3digitized FIRM. Appendix C C-70 Revision 4 (10/1/01) Effective 5/1/99 EXHIBIT C-16. W2MYPFZN, Invalid Preferred Risk Policies Based on Ineligible Flood Risk Zone Appendix C C-71 Revision 4 (10/1/01) Change 2 Effective 5/1/02 REPORT: W2MYPFZNRUNDATE: DEC 09 1998RUNTIME: 11.39.24 FEDERAL EMERGENCY MANAGEMENT AGENCY NATIONAL FLOOD INSURANCE PROGRAM INVALID PREFERRED RISK POLICIES AS OF 10/31/1998 PAGE: 1 BASED ON INELIGIBLE FLOOD RISK ZONE VENDOR NBR: N/A VENDOR NAME: NON-VENDOR COMPANY NBR: 99999 COMPANY NAME: ABC INSURANCE COMPANY INSURED NAME/ PROPERTY ADDRESS Q3/RPTD FLD ZONE -------------- Q3/RPTD COMMUN NUMB -------------------------- ERRORCODE TXN TYP ---- ENDORSE EFF DATE -------------- JOSEPH PALMISANO 67 S BAY AVENUE POLICY: 0000074019 EFF DT: 1998/10/17 AE X 1234560002A 1234560002A PL021065 17 1998/10/30 EXP DT: 1999/10/17 NEW CITY MD 99999-9999 ERR DT: 1998/10/31 C JAMES MCDONOUGH POLICY: 0000834811 *** 1234560001D PL021065 17 1998/10/01 32 SEAVIEW AVENUE EFF DT: 1998/09/11 EXP DT: 1999/09/11 NEW CITY MD 99999-9999 ERR DT: 1998/10/31 SHARON L TOLLIVER POLICY: 0000083138 AE 1234560024E PL021065 11 1998/9/30 311 45TH STREEET EFF DT: 1998/09/02 EXP DT: 1999/09/02 NEW CITY MD 99999-9999 ERR DT: 1998/10/31 TOTAL ERRORS FOR ABC INSURANCE COMPANY ARE 3 *** - COMPANY REPORTED FLOOD RISK ZONE OTHER THAN B, C OR X THE FOLLOWING ACTUAL FLOOD RISK ZONES MAY BE ON THIS REPORT. IF SO, THE ACTUAL FLOOD RISK ZONE HAS NOT BEEN DETERMINED BUT IT HAS BEEN DETERMINED THAT THE ACTUAL FLOOD RISK ZONE IS NOT B, C OR X. 100 - 1% ANNUAL CHANCE FLOOD DISCHARGE CONTAINED IN CHANNEL 500 -0.2% ANNUAL CHANCE FLOOD DISCHARGE CONTAINED IN CHANNEL FWI -FLOODWAY CONTAINED IN CHANNEL IN -AREA IN SFHA (A, AE, AO, AH, A99, AR, V, OR VE) ANI -AREA NOT INCLUDED ON ANY PUBLISHED FIRM UND -AREA OF UNDESIGNATED FLOOD HAZARD NOTE: THESE POLICIES HAVE NO TOLERANCE AND MUST BE CANCELLED, CORRECTED OR APPEALED. W2RPINVD Invalid Policies - By Company Code and Policy Number Description: This report is produced each month afterprocessing of the WYO company TRRPsubmission. It provides detail policyinformation on ineligible policies due tothe following: INELIGIBLE NEW BUSINESS FOR A PREFERRED RISK POLICY BASED ON LOSS HISTORY– PL041100 INELIGIBLE RENEWAL FOR A PREFERRED RISK POLICY BASED ON LOSS HISTORY– PL041110 REPETITIVE LOSS TARGET GROUP IS NOT ALLOWED TO BE RENEWED OR ISSUED - PL004086 PROPERTY ADDRESS LOCATED IN CBRA AREA – PL011170 THE POLICY EFFECTIVE DATE IS BEFORE THE COMMUNITY ELIGIBILITY DATE – PL017030 THE COMMUNITY HAS BEEN SUSPENDED – PL017040 THE COMMUNITY HAS NOT BEEN REINSTATED - PL017050 THE COMMUNITY MUST BE PARTICIPATING – PL017060 THE COMMUNITY HAS WITHDRAWN FROM NFIP –PL017070 THE COMMUNITY HAS BEEN ANNEXED TO ANOTHER COMMUNITY. THE COMMUNITY NUMBER IS NO LONGER VALID – PL017080 SUBMITTED PREMIUM IS LESS THAN MINIMUM PREMIUM AFTER NEW BUSINESS OR RENEWAL - PI040030 TOTAL CALCULATED PREMIUM IS LESS THAN MINIMUM PREMIUM AFTER POLICY ENDORSEMENT – PI120020 ACTIVE POLICY WRITTEN/RENEWED INELIGIBLE FOR A1316 PROPERTY – PL004130 COMMUNITY INDENTIFICATION NUMBER REPORTED IS INVALID. MUST USE THE POINTER COMMUNITY NUMBER. – PL017100 POST-FIRM CONSTRUCTION INDICATOR INVALID PER COMMUNITY FLOODPLAIN OFFICIAL – PL035060 INSPECTION PROCEDURE POLICY WRITTEN IN ERROR – PL004120 THE COMMUNITY IS NOT AN NFIP COMMUNITY – PL017110 These policies must be canceled, endorsed, or rewritten as of the policy's effectivedate. The insurer is required to takeimmediate action. There is no tolerance level for these errors. Report Keys: W2RPINVD is keyed by Company Code and PolicyNumber. Company Code: This is the highest key andindicates to which Write Your Own companythe report applies. Appendix C C-72 Revision 4 (10/1/01) Change 7 Effective 5/1/05 Policy Number: This is the policy that hasat least one of the above-mentioned errors that are to be included in this report. Endorsement Effective Date: This is the endorsement effective date of the record that is in error. Appendix C C-72A Revision 4 (10/1/01) Change 6 Effective 5/1/04 This page is intentionally left blank. Appendix C C-72B Revision 4 (10/1/01) Change 6 Effective 5/1/04 EXHIBIT C-17. W2RPINVD, Invalid Policies Appendix C C-73 Revision 4 (10/1/01) Change 7 Effective 5/1/05 REPORT: W2RPINVD FEDERAL EMERGENCY MANAGEMENT AGENCY PAGE 1 RUNDATE: JUL 15 2005 NATIONAL FLOOD INSURANCE PROGRAM RUNTIME: 21.11.47 INVALID POLICIES – BY COMPANY CODE AND POLICY NUMBER AS OF 5/31/2005 VENDOR NBR: N/A VENDOR NAME: NON-VENDOR COMPANY NBR: 99999 COMPANY NAME: ABC INSURANCE COMPANY POLICY ENDORSE PRGM TOTAL ERROR ERROR NUMBER POL EFF DT POL EXP DT EFF DATE TYPE COMMUNITY # PROPERTY ADDRESS PREMIUM CODE DATE 3000257974 2002/05/16 2003/05/16 2002/05/16 R 1251270001B 904 BAY POINT DR 207 PL017040 2002/05/31NEW CITY FL 99999-9999 3000258285 2002/06/02 2003/06/02 2002/06/02 R 3452790001B 25 E 10TH ST 285 PI040030 2002/05/31NEW CITY FL 99999-9999 3000258351 2002/05/29 2003/05/29 2002/05/29 R 4802870740J 76 BARRON ST 288 PL004086 2002/05/31NEW CITY LA 99999 3000258770 2002/06/09 2003/06/09 2002/06/09 R 0601950180E 25527 RIVERSIDE WAY 768 PL004130 2002/10/31NEW CITY FL 99999 TOTAL PL011170 ERRORS 0 TOTAL PL017030 ERRORS 0 TOTAL PL017040 ERRORS 1 TOTAL PL017050 ERRORS 0 TOTAL PL017060 ERRORS 0 TOTAL PL017070 ERRORS 0 TOTAL PL017080 ERRORS 0 TOTAL PI040030 ERRORS 1 TOTAL PI120020 ERRORS 0 TOTAL PL004086 ERRORS 1 TOTAL PL041110 ERRORS 0 TOTAL PL004130 ERRORS 1 TOTAL PL041100 ERRORS 0 TOTAL PL035060 ERRORS 0 TOTAL PL004120 ERRORS 0 TOTAL PL017100 ERRORS 0 TOTAL PL017110 ERRORS 0 TOTAL ERROR COUNT 4 NOTE: THESE POLICIES HAVE NO TOLERANCE AND MUST BE CANCELLED, CORRECTED OR APPEALED. : TOTAL PREMIUM = COMPANY SUBMITTED PREMIUM. IF THE ERROR CODE IS ‘PI040030’ OR ‘PI120020’, SEE CALCULATION BELOW: TOTAL PREMIUM = COMPANY SUBMITTED PREMIUM – (ICC PREMIUM + COMMUNITY PROBATION AMOUNT) FEDERAL POLICY FEE IS NOT PART OF COMPANY SUBMITTED PREMIUM. W2RPINVA Ineligible/Invalid Policies - By Error Code and Company Description: This report is produced each month afterprocessing of the WYO company TRRPsubmission. It provides summary policyinformation on ineligible policies due tothe following: INELIGIBLE NEW BUSINESS FOR A PREFERRED RISK POLICY BASED ON LOSS HISTORY– PL041100 INELIGIBLE RENEWAL FOR A PREFERRED RISK POLICY BASED ON LOSS HISTORY – PL041110 REPETITIVE LOSS TARGET GROUP IS NOT ALLOWED TO BE RENEWED OR ISSUED – PL004086 PROPERTY ADDRESS LOCATED IN CBRA AREA – PL011170 THE POLICY EFFECTIVE DATE IS BEFORE THE COMMUNITY ELIGIBILITY DATE – PL017030 THE COMMUNITY HAS BEEN SUSPENDED – PL017040 THE COMMUNITY HAS NOT BEEN REINSTATED - PL017050 THE COMMUNITY MUST BE PARTICIPATING – PL017060 THE COMMUNITY HAS WITHDRAWN FROM NFIP – PL017070 THE COMMUNITY HAS BEEN ANNEXED TO ANOTHER COMMUNITY. THE COMMUNITY NUMBER IS NO LONGER VALID – PL017080 ZONE MUST BE B, C, OR X FOR PREFERRED RISK – PL021060 PRP POLICY INVALID; PROPERTY IN SFHA – PL021065 SUBMITTED PREMIUM IS LESS THAN MINIMUM PREMIUM AFTER NEW BUSINESS OR RENEWAL - PI040030 THE CALCULATED PREMIUM IS LESS THAN MINIMUM PREMIUM AFTER POLICY ENDORSEMENT – PI120020 ACTIVE POLICY WRITTEN/RENEWED INELIGIBLE FORA 1316 PROPERTY – PL004130 COMMUNITY IDENTIFICATION NUMBER REPORTED IS INVALID. MUST USE THE POINTER COMMUNITY NUMBER. – PL017100 POST-FIRM CONSTRUCTION INDICATOR INVALID PER COMMUNITY FLOODPLAIN OFFICIAL – PL035060 INSPECTION PROCEDURE POLICY WRITTEN IN ERROR – PL004120 THE COMMUNITY IS NOT AN NFIP COMMUNITY – PL017110 Appendix C C-74 Revision 4 (10/1/01) Change 7 Effective 5/1/05 These policies must be canceled, endorsed, or rewritten as of the policy's effectivedate. The insurer is required to takeimmediate action. There is a no tolerance level for these errors. Report Keys: W2RPINVA is keyed by Company Code and ErrorCode. Company Code: This is the highest key andindicates to which Write Your Own companythe report applies. Error Code: This is the specific ErrorCode. Months Count: This is the number of months that the error has been aged. Note: Error code PL041100 will be included on W2RPINVD and W2RPINVA if any policies were found with an error date on or afterOctober 31, 2002. Appendix C C-75 Revision 4 (10/1/01) Change 6 Effective 5/1/04 EXHIBIT C-18. W2RPINVA, Ineligible/Invalid Policiesby Error Code and Company Appendix C C-76 Revision 4 (10/1/01) Change 3 Effective 10/1/02 REPORT: W2RPINVA FEDERAL EMERGENCY MANAGEMENT AGENCY PAGE: 1 RUNDATE: DEC 13 2002 NATIONAL FLOOD INSURANCE PROGRAM RUNTIME: 19.20:26 INELIGIBLE/INVALID POLICIES BY ERROR CODE AND COMPANY AS OF 10/31/2002 VENDOR NBR: N/A VENDOR NAME: NON-VENDOR COMPANY NBR: 99999 COMPANY NAME: ABC INSURANCE COMPANY 200210 200209 200208 200207 200206 200205 200204 200203 200202 200201 200112 200111 12+MTH 0 1 2 3 4 5 6 7 8 9 101112TOTAL ERROR MONTHS MONTHS MONTHS MONTHS MONTHS MONTHS MONTHS MONTHS MONTHS MONTHS MONTHS MONTHS MONTHS MONTHS CODE COUNT COUNT COUNT COUNT COUNT COUNT COUNT COUNT COUNT COUNT COUNT COUNT COUNT COUNT PI120020 0 0 0 0 0 0 0 0 0 1 0 0 0 1 PL011170 0 0 0 0 1 0 0 0 0 0 0 0 0 1 PL017040 1 0 0 0 0 0 0 0 0 0 0 0 0 1 PL021065 56 1 1 0 0 0 0 0 0 0 0 0 0 58 PL004086 8 1 1 0 0 0 0 0 0 0 0 0 0 10 PL004130 1 0 0 0 0 0 0 0 0 0 0 0 0 1 *TOTAL COMPANY_CD 99999 66 2 2 0 1 0 0 0 0 1 0 0 0 72 TOTAL ERROR COUNT 72 NOTE: THESE POLICIES HAVE NO TOLERANCE AND MUST BE CANCELLED, CORRECTED OR APPEALED. THE 12 MONTH COLUMN INCLUDES ERRORS AGED 12 MONTHS OR MORE. SECTION 5 – INELIGIBLE CLAIMS ERROR INFORMATION A. DESCRIPTIONS AND EXAMPLES OF CLAIMS ERROR REPORTS Descriptions and examples of the following error reports areprovided: • Invalid Losses (W2RCINVD) • Ineligible/Invalid Losses – By Error Code and Company(W2RCINVA) Appendix C C-77 Revision 4 (10/1/01) Change 3 Effective 10/1/02 W2RCINVD Invalid Losses - By Company Code and Policy Number Description: This report is produced each month after processingof the WYO company TRRP submission. It providesdetail information on those policies with lossdates on or after January 1, 1997, due to thefollowing: DATE OF LOSS IS NOT WITHIN A POLICY TERM. LOSS MUST BE CLOSED WITHOUT PAYMENT. CL066045 BUILDING CLAIM PAYMENT ON A POLICY WITHOUT BUILDING COVERAGE. CL077030 BUILDING CLAIM PAYMENTS EXCEED THE TOTAL AMOUNT OF INSURANCE – BUILDING. CL077060 BUILDING CLAIM PAYMENTS EXCEED BUILDING PAYMENT LIMIT. CL077075 CONTENTS CLAIM PAYMENTS EXCEED THE TOTAL AMOUNT OF INSURANCE – CONTENTS. CL078055 CONTENTS CLAIM PAYMENTS EXCEED CONTENTS PAYMENT LIMIT. CL078065 CONTENTS CLAIM PAYMENT ON A POLICY WITHOUT CONTENTS COVERAGE. CL078120 ICC CLAIM PAYMENTS EXCEED THE TOTAL AMOUNT OF INSURANCE – ICC. CL148060 ICC CLAIM PAYMENT EXCEEDS ACTUAL EXPENSE. CL148070 TOTAL BUILDING CLAIM PAYMENTS FOR A LOSS MAY NOT BE LESS THAN ZERO. CI077080 NET BUILDING CLAIM PAYMENTS FOR A LOSS MAY NOT BE LESS THAN ZERO. CI077090 TOTAL CONTENTS CLAIM PAYMENTS FOR A LOSS MAY NOT BE LESS THAN ZERO. CI078100 NET CONTENTS CLAIM PAYMENTS FOR A LOSS MAY NOT BE LESS THAN ZERO. CI078110 TOTAL ICC CLAIM PAYMENTS FOR A LOSS MAY NOT BE LESS THAN ZERO. CI148080 NET ICC CLAIM PAYMENTS FOR A LOSS MAY NOT BE LESS THAN ZERO. CI148090 Appendix C C-78 Revision 4 (10/1/01) Change 3 Effective 10/1/02 Report Keys: W2RCINVD is keyed by Company Code and PolicyNumber. Company Code: This is the highest key andindicates to which Write Your Own company thereport applies. Policy Number: This is the policy that has atleast one of the above-mentioned errors that are to be included in this report. Appendix C C-79 Revision 4 (10/1/01) Change 3 Effective 10/1/02 EXHIBIT C-19. W2RCINVD, Invalid Losses Appendix C C-80 Revision 4 (10/1/01) Change 3 Effective 10/1/02 REPORT: W2RCINVD FEDERAL EMERGENCY MANAGEMENT AGENCY PAGE 1 RUNDATE: DEC 13 2002 NATIONAL FLOOD INSURANCE PROGRAM RUNTIME: 14.36.16 INVALID LOSSES – BY COMPANY CODE AND POLICY NUMBER AS OF 10/31/2002 VENDOR NBR: XXXXX VENDOR NAME: ACME VENDOR COMPANY NBR: 99999 COMPANY NAME: ABC INSURANCE COMPANY CONDO PAYMENT POLICY NO. DT OF LOSS POL EFF DT POL EXP DT IND PAYMENTS LIMIT DIFFERENCE ERROR CD ERROR DATE 1234500128 2001/06/09 2000/08/01 2001/08/01 L 91,674.21 80,966 10,708.21 CL077075 2002/05/31 1234507369 1998/09/25 1998/07/10 1999/07/10 N 4,641.09 3,300 1,341.09 CL077060 2002/05/31 1234524732 2001/09/14 2000/06/30 2001/06/30 N 4,894.38 0 4,894.38 CL066045 2002/05/31 TOTAL CL066045 ERRORS 1 TOTAL CL077030 ERRORS 0 TOTAL CL077060 ERRORS 1 TOTAL CL077075 ERRORS 1 TOTAL CL078055 ERRORS 0 TOTAL CL078065 ERRORS 0 TOTAL CL078120 ERRORS 0 TOTAL CL148060 ERRORS 0 TOTAL CL148070 ERRORS 0 TOTAL CI077080 ERRORS 0 TOTAL CI077090 ERRORS 0 TOTAL CI078100 ERRORS 0 TOTAL CI078110 ERRORS 0 TOTAL CI148080 ERRORS 0 TOTAL CI148090 ERRORS 0 TOTAL ERROR COUNT 3 NOTE: PAYMENTS & PAYMENT LIMITS WILL BE: BUILDING PAYMENTS FOR ERROR CODES CL077030, CL077060 & CL077075 CONTENTS PAYMENTS FOR ERROR CODES CL078055, CL078065 & CL078120 ICC PAYMENTS FOR ERROR CODES CL148060 & CL148070 IF THE POLICY HAS BEEN CANCELLED, THE POL EXP DT WILL BE THE CANCELLATION DATE IF IT IS PRIOR TO THE EXPIRATION DATE. W2RCINVA Ineligible/Invalid Losses - By Error Code and Company Description: This report is produced each month afterprocessing of the WYO company TRRP submission. It provides summary information on those policieswith loss dates on or after January 1, 1997, dueto the following: DATE OF LOSS IS NOT WITHIN A POLICY TERM. LOSS MUST BE CLOSED WITHOUT PAYMENT. CL066045 BUILDING CLAIM PAYMENT ON A POLICY WITHOUT BUILDING COVERAGE. CL077030 BUILDING CLAIM PAYMENTS EXCEED THE TOTAL AMOUNT OF INSURANCE – BUILDING. CL077060 BUILDING CLAIM PAYMENTS EXCEED BUILDING PAYMENT LIMIT. CL077075 CONTENTS CLAIM PAYMENTS EXCEED THE TOTAL AMOUNT OF INSURANCE – CONTENTS. CL078055 CONTENTS CLAIM PAYMENTS EXCEED CONTENTS PAYMENT LIMIT. CL078065 CONTENTS CLAIM PAYMENT ON A POLICY WITHOUT CONTENTS COVERAGE. CL078120 ICC CLAIM PAYMENTS EXCEED THE TOTAL AMOUNT OF INSURANCE – ICC. CL148060 ICC CLAIM PAYMENT EXCEEDS ACTUAL EXPENSE. CL148070 TOTAL BUILDING CLAIM PAYMENTS FOR A LOSS MAY NOT BE LESS THAN ZERO. CI077080 NET BUILDING CLAIM PAYMENTS FOR A LOSS MAY NOT BE LESS THAN ZERO. CI077090 TOTAL CONTENTS CLAIM PAYMENTS FOR A LOSS MAY NOT BE LESS THAN ZERO. CI078100 NET CONTENTS CLAIM PAYMENTS FOR A LOSS MAY NOT BE LESS THAN ZERO. CI078110 TOTAL ICC CLAIM PAYMENTS FOR A LOSS MAY NOT BE LESS THAN ZERO. CI148080 NET ICC CLAIM PAYMENTS FOR A LOSS MAY NOT BE LESS THAN ZERO. CI148090 Appendix C C-81 Revision 4 (10/1/01) Change 3 Effective 10/1/02 Report Keys: W2RCINVA is keyed by Company Code and ErrorCode. Company Code: This is the highest key andindicates to which Write Your Own companythe report applies. Error Code: This is the specific ErrorCode. Months Count: This is the number of months that the error has been aged. Appendix C C-82 Revision 4 (10/1/01) Change 3 Effective 10/1/02 EXHIBIT C-20. W2RCINVA, Ineligible/Invalid Losses by Error Code and Company Appendix C C-83 Revision 4 (10/1/01) Change 3 Effective 10/1/02 REPORT: W2RCINVA FEDERAL EMERGENCY MANAGEMENT AGENCY PAGE: 1 RUNDATE: DEC 13 2002 NATIONAL FLOOD INSURANCE PROGRAM RUNTIME: 14.36:21 INELIGIBLE/INVALID LOSSES BY ERROR CODE AND COMPANY AS OF 10/31/2002 VENDOR NBR: XXXXX VENDOR NAME: ACME VENDOR COMPANY NBR: 99999 COMPANY NAME: ABC INSURANCE COMPANY 200205 200204 200203 200202 200201 200112 200111 200110 200109 200108 200107 200106 12+MTH 0 1 2 3 4 5 6 7 8 9 10 1112TOTAL ERROR MONTHS MONTHS MONTHS MONTHS MONTHS MONTHS MONTHS MONTHS MONTHS MONTHS MONTHS MONTHS MONTHS MONTHS CODE COUNT COUNT COUNT COUNT COUNT COUNT COUNT COUNT COUNT COUNT COUNT COUNT COUNT COUNT CL066045 0 0 0 0 0 0 1 0 0 0 0 0 0 1 CL077060 0 0 0 0 0 0 0 0 0 0 0 0 1 1 CL077075 0 1 1 0 0 0 0 0 0 0 0 0 0 2 TOTAL FOR COMPANY 99999 0 1 1 0 0 0 1 0 0 0 0 0 1 4 TOTAL ERRORS LAST MONTH 5 TOTAL ERRORS CURRENT MONTH 0 TOTAL ERRORS CLEARED 1 TOTAL ERRORS THIS MONTH 4 NOTE: THE 12 MONTH COLUMN INCLUDES ERRORS AGED 12 MONTHS OR MORE. SECTION 6 – TARGET GROUP ADDITIONAL DATA INFORMATION A. DESCRIPTIONS AND EXAMPLES OF ERROR AND REJECT REPORTS Descriptions and examples of the following error and rejectreports are provided: • Target Group Additional Data Reject Report (W2RADREJ) • Target Group Additional Data Record Not Received Report(W2RADLTE) Appendix C C-84 Revision 4 (10/1/01) Change 3 Effective 10/1/02 W2RADREJ Target Group Additional Data Reject Report Description: This report is generated monthly for TargetGroup additional data records that are notusable. The Company Code and Policy Numberare matched to the Target Group Directoryand, if no match is found, then thesubmitted policy number will be displayed onthe report. If the Company Code and PolicyNumber match the Directory but the mailingaddress or agent information is incomplete, then the record will receive a TRRP error and appear on the report. If a record appears on this report, then theadditional data record will not be forwarded to the Special Direct Facility and thecorresponding Target Group record will bemarked as Additional Data Record Not Received. Report Keys: W2RADREJ is keyed by Company Code and PolicyNumber. Company Code: This is the highest key andindicates to which Write Your Own companythe report applies. Policy Number: This is the policy that hasthe above-mentioned error that is to be included in this report. Appendix C C-85 Revision 4 (10/1/01) Effective 12/31/00 EXHIBIT C-21. W2RADREJ, Target Group AdditionalData Reject Report Appendix C C-86 Revision 4 (10/1/01) Change 3 Effective 10/1/02 REPORT: W2RADREJ FEDERAL EMERGENCY MANAGEMENT AGENCY PAGE 1 RUNDATE: SEP 05 2000 NATIONAL FLOOD INSURANCE PROGRAM RUNTIME: 16:18:55 TARGET GROUP ADDITONAL DATA REJECT REPORT AS OF 07/31/2000 VENDOR CODE/NAME: N/A – NON-VENDOR COMPANY COMPANY NUMBER/NAME: 99999 – ABC INSURANCE COMPANY POLICY NUMBER: 0010183507 REPLACEMENT COST: 0000120000 COMMUNITY PROBATION AMT: 000 RENEWAL BILLING INSTR: 1 MAILING ADDRESS: PO BOX 12345 NEW CITY MD 20101 PHONE: 1ST LENDER INFORMATION: CITICORP MORTGAGE INC PO BOX 81300 CHAMBLEE GA 30366 PHONE: 0000000000 FAX: 000000000 LOAN: 123456789 2ND LENDER INFORMATION: PHONE: FAX: LOAN: AGENT INFORMATION: APEX ASSOC. 3815 CLASSEN BLVD. NEW CITY MD 20101 NUMBER: 0007535658 IRS NUMBER: *** TAX/SSN TYPE: S PHONE: 8005551212 FAX: REJECT: PR004088 ERROR DATE: 07/31/2000 MESSAGE: TARGET GROUP ADDITIONAL DATA RECORD IS INCOMPLETE. W2RADLTE Target Group Additional Data Record Not Received Report Description: This report is generated monthly. The process is to read the Target GroupDirectory and check for any records withpolicy expiration dates 90 days or less fromthe cycle date. If the Additional Data Record has not been received, then thepolicy will receive a TRRP error and appearon this report. Report Keys: W2RADLTE is keyed by Company Code and PolicyNumber. Company Code: This is the highest key andindicates to which Write Your Own companythe report applies. Policy Number: This is the policy that hasthe above-mentioned error that is to be included in this report. Appendix C C-87 Revision 4 (10/1/01) Effective 12/31/00 EXHIBIT C-22. W2RADLTE, Target Group AdditionalData Record Not Received Report Appendix C C-88 Revision 4 (10/1/01) Change 3 Effective 10/1/02 REPORT: W2RADLTE FEDERAL EMERGENCY MANAGEMENT AGENCY PAGE 1 RUNDATE: SEPT 05 2000 NATIONAL FLOOD INSURANCE PROGRAM RUNTIME: 16:18:55 TARGET GROUP ADDITIONAL DATA RECORD NOT RECEIVED REPORT AS OF 07/31/2000 VENDOR NBR: N/A VENDOR NAME: NON-VENDOR COMPANY NBR: 99999 COMPANY NAME: ABC INSURANCE COMPANY POLICY POLICY POLICY POLICY ORIGINAL NOTIFICATION NUMBER STATUS EFF DATE EXP DATE EXP DATE DATE ERROR 2029739000 ACTIVE 10/28/1999 10/28/2000 10/28/2000 03/01/2000 NO 2035177500 ACTIVE 12/03/1999 12/03/2000 12/03/2000 03/01/2000 NO 2038486500 ACTIVE 12/24/1999 12/24/2000 12/24/2000 06/01/2000 NO 2041670900 ACTIVE 08/30/1999 08/30/2000 08/30/2000 03/01/2000 NO 2041814100 ACTIVE 10/04/1999 10/04/2000 10/04/2000 03/01/2000 NO 2041923700 ACTIVE 10/13/1999 10/13/2000 10/13/2000 03/01/2000 NO 2600153200 ACTIVE 10/16/1999 10/16/2000 10/16/2000 03/01/2000 NO 3010845700 ACTIVE 08/11/1999 08/11/2000 08/11/2000 03/01/2000 NO 3016295600 ACTIVE 11/01/1999 11/01/2000 11/01/2000 10/01/2000 NO 3016299800 ACTIVE 11/01/1999 11/01/2000 11/01/2000 10/01/2000 NO 3019397100 ACTIVE 10/10/1999 10/10/2000 10/10/2000 03/01/2000 NO 4012411600 ACTIVE 12/20/1999 12/20/2000 12/20/2000 03/01/2000 NO 4012814800 ACTIVE 12/03/1999 12/03/2000 12/03/2000 03/01/2000 NO 4017578100 ACTIVE 12/01/1999 12/01/2000 12/01/2000 03/01/2000 NO 4017587200 ACTIVE 10/17/1999 10/17/2000 10/17/2000 05/01/2000 NO 5011848900 ACTIVE 11/01/1999 11/01/2000 11/01/2000 03/01/2000 NO TOTAL ERRORS FOR ABC INSURANCE COMPANY 16 APPENDIX D - NFIP/WYO SYSTEM DATA DICTIONARY TABLE OF CONTENTS Page Additional Limit Amount of Insurance – Building..............D-1 Additional Limit amount of Insurance – Contents..............D-2 Additional Limit Amount of Premium – Building................D-3 Additional Limit Amount of Premium - Contents................D-4 Additional Limit Amount of Premium Refund - Building.........D-5 Additional Limit Amount of Premium Refund - Contents.........D-6 Basic Limit Amount of Insurance – Building...................D-7 Basic Limit Amount of Insurance - Contents...................D-9 Basic Limit Amount of Premium - Building.....................D-10 Basic Limit Amount of Premium - Contents.....................D-11 Basic Limit Amount of Premium Refund - Building..............D-12 Basic Limit Amount of Premium Refund - Contents..............D-13 Appendix D D-i Revision 4 (10/1/01) Effective 5/1/97 DATA ELEMENT: Additional Limit Amount of Insurance - Building ALIAS: Additional Building CoverageA/L Amount of Insurance ACRONYM: (PMF) ADD-COV-B FILE: Policy Master (PMF) Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Amount of additional limits building coverage purchased inhundreds of dollars for the property. The maximum amountsavailable for additional limits for policies other than theCondominium Master Policy and Preferred Risk are: Single Family $200,000 2-4 Family $200,000 Other Residential $100,000 Nonresidential $350,000 The Condominium Master Policy has coverage available for theentire building not to exceed the single family unit amount fortotal coverage times the total number of units (residential andnon-residential). The additional limit is the difference between the total amount of insurance for the entire building and thebasic limit. The Preferred Risk Policy does not have any additional limits. The community in which the property is located must be in theRegular Program. EDIT CRITERIA: Positive numeric in hundreds of dollars; cannotexceed established Program limits. LENGTH: 8 DEPENDENCIES: Information is obtained from the Flood Insurance Application. There must be an entry in BasicBuilding Coverage. SYSTEM FUNCTION: Premium ComputationInsurance to Value Analysis REPORTING REQUIREMENT: No longer reported as of 10/1/96. Appendix D D-1 Revision 4 (10/1/01) Effective 5/1/97 DATA ELEMENT: Additional Limit Amount of Insurance - Contents ALIAS: Additional Contents CoverageA/L Amount of Insurance ACRONYM: (PMF) ADD-COV-C FILE: Policy Master (PMF) Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Amount of additional limit contents coverage purchased inhundreds of dollars. The maximum coverage amounts for policiesother than the Preferred Risk are: Contents Coverage (per unit) Residential $ 80,000 Nonresidential $370,000 The Preferred Risk Policy does not have any additional limits. The community in which the property is located must be in the Regular Program. EDIT CRITERIA: Positive numeric in hundreds of dollars; cannot exceed established Program limits. LENGTH: 5 DEPENDENCIES: Information is obtained from the Flood Insurance Application. There must be an entry in BasicContents Coverage. SYSTEM FUNCTION: Premium ComputationInsurance to Value Analysis REPORTING REQUIREMENT: No longer reported as of 10/1/96. Appendix D D-2 Revision 4 (10/1/01) Effective 5/1/97 DATA ELEMENT: Additional Limit Amount of Premium - Building ALIAS: A/L Amount of Premium ACRONYM: (PMF) ADD-PREM-B FILE: Policy Master (PMF) Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Premium written in whole dollars for insurance above the basic limits. Premium is calculated as the desired amount of coveragetimes the rate. Additional limits coverage is available only forthose properties located in Regular Program communities. For rating information refer to the NFIP Flood Insurance Manual. EDIT CRITERIA: Signed numeric in whole dollars; must be aRegular Program risk. LENGTH: 7 DEPENDENCIES: Information is obtained from the Flood Insurance Application. Must be entry in Basic BuildingPremium field for the maximum available amount, and the community in which the property is locatedmust be in the Regular Program. SYSTEM FUNCTION: Premium and Loss Analysis REPORTING REQUIREMENT: No longer reported as of 10/1/96. Appendix D D-3 Revision 4 (10/1/01) Effective 5/1/97 DATA ELEMENT: Additional Limit Amount of Premium - Contents ALIAS: A/L Amount of Premium ACRONYM: (PMF) ADD-PREM-C FILE: Policy Master (PMF) Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Amount of premium written in whole dollars for contents coverageabove the basic limits. Premium is calculated as the desired amount of coverage times the rate. For rating information refer to the NFIP Flood Insurance Manual. EDIT CRITERIA: Signed numeric in whole dollars LENGTH: 5 DEPENDENCIES: Information is obtained from the Flood Insurance Application. Requires an entry in Basic ContentsPremium to the maximum available amount and the community in which the property is located must bein the Regular Program. SYSTEM FUNCTION: Premium and Loss Analysis REPORTING REQUIREMENT: No longer reported as of 10/1/96. Appendix D D-4 Revision 4 (10/1/01) Effective 5/1/97 DATA ELEMENT: Additional Limit Amount of Premium Refund - Building ALIAS: A/L Amount of Premium Refund - Building ACRONYM: (PMF) ADD-REF-B FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: The amount in whole dollars of premium refund attributable toadditional limits building coverage for a particular policy term. See "Cancellation/Voidance Reason" description for instructionson how the refund is calculated. EDIT CRITERIA: Signed numeric in whole dollars LENGTH: 9 DEPENDENCIES: Information is obtained from the Cancellation/Nullification Request Form. SYSTEM FUNCTION: Policy HistoryPremium and Loss Analysis REPORTING REQUIREMENT: No longer reported as of 10/1/96. Appendix D D-5 Revision 4 (10/1/01) Effective 5/1/97 DATA ELEMENT: Additional Limit Amount of Premium Refund - Contents ALIAS: A/L Amount of Premium Refund - Contents ACRONYM: (PMF) ADD-REF-C FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: The amount in whole dollars of premium refund attributable toadditional limits contents coverage for a particular policy term. See "Cancellation/Voidance Reason" description for instructionson how the refund is calculated. EDIT CRITERIA: Signed numeric in whole dollars LENGTH: 9 DEPENDENCIES: Information is obtained from the Cancellation/Nullification Request Form. SYSTEM FUNCTION: Policy HistoryPremium and Loss Analysis REPORTING REQUIREMENT: No longer reported as of 10/1/96. Appendix D D-6 Revision 4 (10/1/01) Effective 5/1/97 DATA ELEMENT: Basic Limit Amount of Insurance - Building ALIAS: Basic Building CoverageB/L Amount of Insurance ACRONYM: (PMF) BAS-COV-B FILE: Policy Master (PMF) Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Amount of basic limits coverage in hundreds of dollars purchasedfor the property. The maximum coverages available for basiclimits for policies other than the Preferred Risk are: Emergency Program: Single Family $ 35,000 2-4 Family $ 35,000 Other Residential $ 100,000 Nonresidential $ 100,000 Regular Program (effective 5/1/00): Single Family $ 50,000 2-4 Family $ 50,000 Other Residential $ 150,000 Nonresidential $ 150,000 This is the maximum coverage available for properties located inEmergency Program communities. Additional coverage is availablefor properties located in Regular Program communities. Under the new Condominium Master Policy the basic limit amount ofinsurance for low-rise condominiums is $50,000 multiplied by thenumber of units in the building. The entire coverage amount for a Preferred Risk Policy should bereported in this data element even though the amount may begreater than the Basic Limit Amount for 1-4 family. There are various levels of coverage that may be chosen. The amounts for each option are fixed and cannot vary and include both buildingand contents coverage. The only building coverage amountsavailable for the Preferred Risk Policy are: $20,000 $ 75,000 $150,000 $30,000 $100,000 $200,000 $50,000 $125,000 $250,000 EDIT CRITERIA: Positive numeric in hundreds of dollars; cannotexceed established Program limits. Appendix D D-7 Revision 4 (10/1/01) Effective 5/1/97 DATA ELEMENT: Basic Limit Amount of Insurance - Building (Cont'd.) LENGTH: 5 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Premium ComputationInsurance to Value Analysis REPORTING REQUIREMENT: No longer reported as of 10/1/96. Appendix D D-8 Revision 4 (10/1/01) Effective 5/1/97 DATA ELEMENT: Basic Limit Amount of Insurance - Contents ALIAS: Basic Content CoverageB/L Amount of Insurance ACRONYM: (PMF) BAS-COV-C FILE: Policy Master (PMF) Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Amount of basic limit coverage in hundreds of dollars purchasedfor contents. The maximum coverages available for basic limitsfor policies other than the Preferred Risk are: Emergency Program: Residential $ 10,000 Non-residential $100,000 Regular Program: Residential $ 20,000 Non-residential $130,000 This is the maximum coverage available under the EmergencyProgram. Additional coverage is available for those propertieslocated in Regular Program communities. The entire coverage amount for a Preferred Risk Policy should bereported in this data element even though the amount may begreater than the Basic Limit Amount for 1-4 family. There are various levels of coverage that may be chosen. The amounts for each option are fixed and cannot vary and include both buildingand contents coverage. The only contents coverage amountsavailable for the Preferred Risk Policy are: $ 5,000 $18,000 $38,000 $ 8,000 $25,000 $50,000 $12,000 $30,000 $60,000 EDIT CRITERIA: Positive numeric in hundreds of dollars; cannotexceed established Program limits. LENGTH: 5 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Premium ComputationInsurance to Value Analysis REPORTING REQUIREMENT: No longer reported as of 10/1/96. Appendix D D-9 Revision 4 (10/1/01) Effective 5/1/97 DATA ELEMENT: Basic Limit Amount of Premium - Building ALIAS: B/L Amount of Premium ACRONYM: (PMF) BAS-PREM-S FILE: Policy Master (PMF) Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Amount of written premium in whole dollars for basic limitcoverage. Premium is calculated as the desired coverage, not toexceed maximum coverage limits times the rate. For rate information refer to the NFIP Flood Insurance Manual. EDIT CRITERIA: Signed numeric in whole dollars LENGTH: 5 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Premium and Loss Analysis REPORTING REQUIREMENT: No longer reported as of 10/1/96. Appendix D D-10 Revision 4 (10/1/01) Effective 5/1/97 DATA ELEMENT: Basic Limit Amount of Premium - Contents ALIAS: B/L Amount of Premium ACRONYM: (PMF) BAS-PREM-C FILE: Policy Master (PMF) Claims Master (CMF) Actuarial (APOL) DESCRIPTION: Amount of premium written in whole dollars for basic limitcontents coverage. Premium is calculated as the desired coveragetimes the rate. For rating information refer to the NFIP Flood Insurance Manual. EDIT CRITERIA: Signed numeric in whole dollars LENGTH: 5 DEPENDENCIES: This information is obtained from the Flood Insurance Application or renewal form. SYSTEM FUNCTION: Premium and Loss Analysis REPORTING REQUIREMENT: No longer reported as of 10/1/96. Appendix D D-11 Revision 4 (10/1/01) Effective 5/1/97 DATA ELEMENT: Basic Limit Amount of Premium Refund - Building ALIAS: B/L Amount of Premium Refund - Building ACRONYM: (PMF) BAS-REF-B FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: The amount in whole dollars of premium refund attributable tobasic limits building coverage for a particular policy term. See "Cancellation/Voidance Reason" description for instructions onhow the refund is calculated. EDIT CRITERIA: Signed numeric in whole dollars LENGTH: 9 DEPENDENCIES: Information is obtained from the Cancellation/Nullification Request Form. SYSTEM FUNCTION: Policy HistoryPremium and Loss Analysis REPORTING REQUIREMENT: No longer reported as of 10/1/96. Appendix D D-12 Revision 4 (10/1/01) Effective 5/1/97 DATA ELEMENT: Basic Limit Amount of Premium Refund - Contents ALIAS: B/L Amount of Premium Refund - Contents ACRONYM: (PMF) BAS-REF-C FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: The amount in whole dollars of premium refund attributable tobasic limits contents coverage for a particular policy term. See "Cancellation/Voidance Reason" description for instructions onhow the refund is calculated. EDIT CRITERIA: Signed numeric in whole dollars LENGTH: 9 DEPENDENCIES: Information is obtained from the Cancellation/Nullification Request Form. SYSTEM FUNCTION: Policy HistoryPremium and Loss Analysis REPORTING REQUIREMENT: No longer reported as of 10/1/96. Appendix D D-13 Revision 4 (10/1/01) Effective 5/1/97 APPENDIX E - QUICK CLAIM REPORTING TABLE OF CONTENTS Page INTRODUCTION ................................................. E-1 Section 1 - Instructions For FTP Processing ................. E-2 A. Data Submission Procedure...................... E-2 B. Data Transmittal Document...................... E-2 C. Record Layout.................................. E-3 Appendix E E-i Revision 4 (10/1/01) Change 3 Effective 10/1/02 APPENDIX E – INSTRUCTIONS FOR FTP PROCESSING INTRODUCTION The purpose for the Quick Claim Reporting procedure is to providemore timely loss information. This information can be used by theFEMA regions and local communities to track the latest floodlosses for potential building permit activity and for respondingwith potential mitigation action prior to the start ofreconstruction and repair. The data reported will not be edited. No subsequent reporting or maintenance of the records will berequired. This reporting is separate from the normal monthly TRRPplan reporting. Appendix E E-1 Revision 4 (10/1/01) Effective 5/1/00 SECTION 1 - INSTRUCTIONS FOR FTP PROCESSING A. DATA SUBMISSION PROCEDURE The WYO Companies are required to report this information atleast weekly. The WYO Companies are required to report thelatest loss information posted to their systems as claims areopened regardless of disposition. It is recognized that asubstantial percentage of such claims may wind up as closedwithout payment. Each loss should be reported only once. The submission procedure will be using File Transfer Protocol(FTP) site address bureau.nfipstat.com. We will sweep the FTPsite daily. When submitting data via FTP, the following steps must be used. • File name (compressed) • Reconciliation statements for each file. The file name must follow the convention outlined below: XXXXXMMMDDQCNN.ZIP XXXXX = Company NAIC Number MMM = Processing Month DD = Processing Day NN = Unique Identifier for WYO Company Use e.g., 12345DEC05QC01.ZIP, represents XYZ Insurance Company'squick claim file for December 5 in a compressed format. The expanded zipped file name should be the same as the zip filename except the extension should be .DAT. All files must be submitted to the FTP site address bureau.nfipstat.com and placed in a directory named/users/coxxxxx/quickclaim, where xxxxx = the company/vendorNAIC number. User ID, passwords, and directory access will be provided toeach WYO company. WYO companies will be able to access, read, and write only to their directories. They will not beable to access, read, or write to other directories. WYOcompanies may obtain an FTP client (e.g., CuteFTP, WSFTP, etc.) or access the FTP site through the Internet. Instructions will be provided on how to properly set up theFTP client or receive Internet FTP Login Procedures to gainaccess to our site by contacting your Program Coordinator atthe NFIP Bureau. Appendix E E-2 Revision 4 (10/1/01) Change 7 Effective 5/1/05 B. DATA TRANSMITTAL DOCUMENT A WYO Quick Claim Data Transmittal Document must accompanyeach quick claim data transmission. This document should use the same naming convention as thedata file but use .TXT as the last node, e.g., XXXXXMMMDDQCNN.TXT WYO QUICK CLAIM DATA TRANSMITTAL DOCUMENT DATE SENT: COMPANY NAME: NAIC NUMBER: TOTAL NUMBER OF RECORDS: CONTACT PERSON: CONTACT TELEPHONE NUMBER: C. RECORD LAYOUT Field Record Element Name Length Position WYO Prefix Code 5 1-5 Policy Number 10 6-15 Date of Loss 8 16-23 Property Beginning Street Number 10 24-33 Property Address 1 50 34-83 Property Address 2 50 84-133 Property City 30 134-163 Property State 2 164-165 Property Zip+4 9 166-174 Reserve - Building 12 175-186 Reserve - Contents 9 187-195 Insured Last Name 30 196-225 Insured First Name 30 226-255 Appendix E E-3 Revision 4 (10/1/01) Change 4 Effective 5/1/03 APPENDIX F - REPETITIVE LOSS TARGET GROUP POLICIES TABLE OF CONTENTS Page INTRODUCTION ................................................. F-1 Section 1 – General Procedures ............................... F-2 A. Data Submission Schedule....................... F-2 B. Bureau Processing.............................. F-3 C. Appeals Procedure.............................. F-3 D. Identification................................. F-3 E. Notification................................... F-3 F. Removal from Target Group...................... F-5 Section 2 – Repetitive Loss Target Group Additional Data Record ...................................... F-6 A. Record Layout.................................. F-6 B. Renewal Billing Instructions................... F-7 C. Agent Information.............................. F-7 D. Changes to Data on the Additional Data Recordand Changes to Policy Data..................... F-8 E. SDF Change Request Forms....................... F-9 Section 3 – Directory of Repetitive Loss Target Group Properties ....................................... F-11 A. Record Layout for IndividualCompany Information............................ F-11 B. Record Layout of Directories Available on theNFIP Bureau FTP Site........................... F-12 C. Repetitive Loss Target Group PropertiesMonthly Report................................. F-14 D. Repetitive Loss Target Group PropertiesNon-Renewal Report............................. F-18 Section 4 – Instructions for FTP Transaction Processing......F-19 A. Data Submission Procedures.....................F-19 B. Data Transmittal Document......................F-19 C. Data Retrieval Procedures......................F-21 Appendix F F-i Revision 4 (10/1/01) Change 3 Effective 10/1/02 APPENDIX F – REPETITIVE LOSS TARGET GROUP POLICIES INTRODUCTION The primary insurance objective of the repetitive loss propertiesstrategy is to change the exposure status of repetitive lossproperties, especially the target group. Success will be achieved when properties, having completed the requirements ofthe strategy, sustain minimal (less than $1,000.00), if any, damage when exposed to previously experienced floodingconditions. The mitigation approach will include FIMA’smitigation branch or its designee offering voluntary mitigationassistance to policyholders within the program. These offers mayinclude elevating the structure, flood-proofing commercialstructures, removing the structure from the floodplain, or thepurchase of the property by the community. The insurance approachwill be for WYO companies to begin transferring the identifiedproperties to the Special Direct Facility (SDF) of the NFIPDirect Servicing Agent beginning with the August 1, 2000, renewals. Appendix F F-1 Revision 4 (10/1/01) Effective 5/1/00 SECTION 1 – GENERAL PROCEDURES A. DATA SUBMISSION SCHEDULE The NFIP Bureau and Statistical Agent (“the Bureau”) will notifythe WYO companies of the identified repetitive loss target groupproperties at least 150 days prior to the expiration that theadditional data record for the identified policies must be sentto the Bureau. For the Special Direct Facility (SDF) to begin toprocess policies on May 1, 2000, and to service those policies onor after their August 1, 2000, effective dates, an additionaldata record will be needed to supplement TRRP Plan data currentlycaptured by the Bureau. The companies are required to send anadditional data file to the Bureau, which will forward the datato the SDF at the Direct Servicing Agent. The record layout forthe data is in this section. The data submission schedule follows: • Report/file sent to February 29, 2000, andindividual WYO companies thereafter identifying properties in the entire target group for the company. • SDF assumes April 1, 2000, andresponsibilities for handling thereafter any disputes from WYO companies and/or insureds. • First additional data file April 30, 2000, andreceived by Bureau from thereafter companies for the identifiedproperties that will renew in90 days. • The monthly report/file December 30, 2000 and identifying the non-renewal thereafter report. Policies will appear120 days after expiration. The companies must submit the additional data records in the samemanner as their TRRP data by the following month end. Companiesthat comply with the schedule will be held harmless if the policyis not renewed. Appendix F F-2 Revision 4 (10/1/01) Change 3 Effective 10/1/02 B. BUREAU PROCESSING The directory of all Repetitive Loss Target Group policies willbe created and maintained by the Bureau on the mainframe and atthe web site. Any renewal of a policy in that directory that hashad 150 days notice will receive the TRRP error PL004086(Repetitive Loss Target Group Policy Renewed in Error). TheW2RPINVD report will reflect the error. If the Bureau does notreceive the additional data record 90 days before expiration, thepolicy will receive TRRP error PL004087 (Repetitive LossAdditional Data Record Not Received Nor Was a Cancellation Record) for the term. C. APPEALS PROCEDURE In the event a policyholder chooses to appeal the decision thattheir insured property is a repetitive loss property, a 90-dayappeal process will allow the policyholder to make a casecontrary to the Bureau’s records. This appeal will be madedirectly to the Special Direct Facility (SDF). To support thecomputer data, the SDF may request claims records or otherdocumentation from the involved WYO companies, the Bureau, orboth. The 90-day appeal process begins on the date of thepolicyholder’s letter or other notice to the SDF. D. IDENTIFICATION The Bureau will identify the target group. Properties are chosenwithout regard to ownership or changes in ownership. The SDF will process the policies and claims for the identifiedproperties, as well as order and evaluate property inspections, elevation certificates, GPS data, and zone verification. For the SDF to begin to process policies on May 1, 2000, and to servicethose policies on or after their August 1, 2000, effective dates, an additional data record will be needed to supplement TRRP Plandata currently captured by the Bureau. The format for the additional data record is provided in this section. E. NOTIFICATION Upon identification of the target repetitive loss properties, theBureau will notify WYO companies at least 150 days prior toexpiration that the additional data record for the identifiedpolicies should be sent to the Bureau. (Refer to Section 3.) The Bureau will forward both the additional record and the corresponding TRRP data in the agreed upon format to the SDF. WYO companies that comply timely with the requests for additionalinformation will be held harmless if the policy is not renewed. Appendix F F-3 Revision 4 (10/1/01) Effective 5/1/00 As the full policy records are received by the SDF, the affectedpolicyholders, their agents, and the WYO companies will be givennotice of the implementation of the program. This notice, whichwill be a part of the renewal offer from the SDF, will inform allof the affected interested parties of the special renewalprocess. The notices will inform the policyholders and WYOcompanies that these properties are ineligible for coverageoutside of the repetitive loss property strategy. These SDFrenewal offers will be sent to the policyholders at least 45 daysprior to the expiration date of the policy. This special renewalprocedure will be in effect for the initial renewal offer for theinitial group as well as all newly identified repetitive lossproperties at their first renewal as participants in thestrategy. Information relative to all target repetitive loss propertieswill be retained in a Directory of Repetitive Loss Properties(“the Directory”) that the Bureau will maintain and monitor toassure that the identified policies are covered and renewed onlythrough the SDF and that new policies cannot be written for theidentified properties. For all WYO companies and theconventional NFIP Direct, these properties are ineligible andshould not be written or renewed. The Directory will be updatedas properties are added and deleted from the program. A separateDirectory will be maintained for all properties removed from thetarget group. The SDF will, after the special renewal process, generate a onetime, month-end report identifying those policies that did notrenew during the month. This report will be sent to the Bureau, which will forward it to the affected WYO companies. These properties will continue to be listed in the Directory asineligible for coverage outside the repetitive loss propertyprogram. If a WYO company writes a new business policy on a repetitiveloss property for which the company has not yet received noticeas being part of the target group, the policy may be written bythe WYO company for 1 year. The policy can be renewed only bythe SDF. Such a situation may occur, for example, if theproperty is a repetitive loss property, but not insured by theNFIP at the time the list of currently insured repetitive lossproperties is prepared. If a WYO company writes a policy on a property that is currentlyidentified as being part of the target group, the Bureau willnotify the WYO company through the error process. These policieswill receive error code PL004086. Appendix F F-4 Revision 4 (10/1/01) Effective 5/1/00 F. REMOVAL FROM TARGET GROUP If the property is certified by FEMA with respect to anymitigation or insurance effort (other than buyout or demolition) including elevation, relocation, or other approved mitigationefforts, the property will be removed from the Repetitive LossTarget Group. Once the SDF receives written notice of FEMA's official approval of the mitigation effort to the insuredproperty, a notice will be sent to the policyholder and the agentof record. The notice will inform the policyholder that, upon the nextrenewal, the policy will no longer be eligible to be written bythe SDF. The policyholder will be notified that an NFIP Directrenewal offer will be sent to make sure the policyholder has theopportunity to maintain continuous coverage and that the policymay be written by a WYO company at the next renewal, but notbefore. Appendix F F-5 Revision 4 (10/1/01) Effective 5/1/00 SECTION 2 – REPETITIVE LOSS TARGET GROUP ADDITIONAL DATA RECORD A. RECORD LAYOUT The following is the layout the WYO companies use to submit theiradditional data records for the Repetitive Loss Target Grouppolicies. Field Record Element Name Length Position WYO Prefix Code 5 1-5 Policy Number 10 6-15 Mailing Address 1 50 16-65 Mailing Address 2 50 66-115 Mailing City 30 116-145 Mailing State 2 146-147 Mailing Zip 9 148-156 Insured Telephone Number 10 157-166 Replacement Cost 10 167-176 Community Probation Surcharge 3 177-179 Renewal Billing Instructions 1 180 First Lender Name 30 181-210 First Lender Street Address 50 211-260 First Lender City 30 261-290 First Lender State 2 291-292 First Lender Zip Code 9 293-301 First Lender Telephone Number 10 302-311 First Lender Fax Number 10 312-321 First Lender Loan Number 15 322-336 Second Lender Name 30 337-366 Second Lender Street Address 50 367-416 Second Lender City 30 417-446 Second Lender State 2 447-448 Second Lender Zip Code 9 449-457 Second Lender Telephone Number 10 458-467 Second Lender Fax Number 10 468-477 Second Lender Loan Number 15 478-492 Agency Number 10 493-502 Agent IRS Number 9 503-511 Agent Tax-SSN 1 512 Agent Name 30 513-542 Agent Street Address 50 543-592 Agent City 30 593-622 Agent State 2 623-624 Agent Zip Code 9 625-633 Agent Telephone Number 10 634-643 Agent Fax Number 10 644-653 Filler 51 654-704 Appendix F F-6 Revision 4 (10/1/01) Effective 5/1/00 B. RENEWAL BILLING INSTRUCTIONS The following codes should be used. 1 = Insured 2 = First Lender 3 = Second Lender 4 = Loss Payee5 = Other 6 = Agent The "Loss Payee" or "Other" applies to the contents of the"Second Lender" data elements. C. AGENT INFORMATION The following codes should be used to define the Agent IRS Number. T = Tax ID Number S = Social Security Number The requirements for the Additional Data Record provide for thereporting of data on one agency: its name, address, phone and faxnumbers, and tax ID/SSN. Capturing data for one agency on apolicy satisfies most conditions, as the agent servicing theflood policy is also the recipient of the commission. There are situations, usually relating to commissions, thatrequire data to be captured for the name, address, and/or tax IDof a second agent. The Special Direct Facility (SDF) can accommodate theseconditions, but the following procedures must be followed toensure that the agency data is accurately captured: 1. All agent data submitted on the Additional Data Record — name, address, phone number(s), and tax ID/SSN — should be for theagent and office that service the account. It will be to that location that the SDF will forward all correspondence. 2. When the Additional Data Record is generated, the WYO companyor NFIP Servicing Agent would submit a request to the SDF toadd the additional agency data. At a minimum, the requestmust provide: WYO Company Number WYO Carrier Name, Address, And Phone Number Policy Number and Policy Expiration Date (MM/DD/YYYY) Insured Name (Last, First, M.I.) Property Address Appendix F F-7 Revision 4 (10/1/01) Change 7 Effective 5/1/05 Additional Agency Data for Commissions (Complete only applicable fields): Agency Number Agent IRS Number Agent Tax-SSN Agent Name Agent Street Address Agent City Agent State Agent Zip Code Agent Telephone Number Agent Fax Number 3. Send these requests to: NFIP Special Direct Facility P.O. Box 29524 Shawnee Mission, KS 66201-5524 D. CHANGES TO DATA ON THE ADDITIONAL DATA RECORD AND CHANGES TO POLICY DATA When changes occur to the data reported on either the AdditionalData Record or TRRP Policy Record, another Additional Data Recordor TRRP Policy Record must be created and submitted provided thatthe policy is at least 150 days from expiration. If the policyis within 150 days from expiration, then the WYO company willneed to submit a Change Request form to the SDF, at the addressshown above, that provides the following information: WYO Company NumberWYO Carrier Name, Address, and Phone NumberPolicy NumberInsured Name (Last, First, M.I.) Property AddressPolicy Expiration Date (MM/DD/YYYY) Narrative description of what is being changed on the policy and when the change(s) took effect. This will allow the SDF to keep information on each RepetitiveLoss Target Group policy updated as they move into their RenewalBilling period. The WYO company may submit the change on eitheran NFIP General Change Endorsement Form or on the forms on thefollowing pages. If using the NFIP General Change EndorsementForm, it is imperative that the data shown above be included sothat the SDF can match it to the correct policy. Appendix F F-8 Revision 4 (10/1/01) Change 7 Effective 5/1/05 E. SDF CHANGE REQUEST FORMS All submissions to the SDF of these requests must have a coverletter attached to them dated and signed by the WYO PrincipalCoordinator of the company. 1. Sample Change Request Form: Adding Data for Second Agent REPETITIVE LOSS PROPERTY AGENCY DATA FORM WYO COMPANY NUMBER WYO COMPANY NAME ADDRESS PHONE POLICY NUMBER: ########## POLICY EXPIRATION DATE: MM/DD/YYYY INSURED NAME: LAST, FIRST, MI INSURED PROPERTY ADDRESS: 123 MAIN ST CITY, ST ZIP ADDITIONAL AGENCY DATA: (COMPLETE ONLY APPLICABLE FIELDS) AGENCY NUMBER: ______________________________ AGENT IRS NUMBER: ______________________________ AGENT TAX-SSN: ___ AGENT NAME: __________________________________________ AGENT STREET ADDRESS: __________________________________________ __________________________________________ AGENT CITY: ________________________________ AGENT STATE: _________ AGENT ZIP: ____________________ AGENT PHONE: ____________________ AGENT FAX: ____________________ Appendix F F-9 Revision 4 (10/1/01) Effective 5/1/00 2. Sample Change Request Form: Reporting Changes Made within 150Days from Expiration REPETITIVE LOSS PROPERTY CHANGE POLICY DATA FORM WYO COMPANY NUMBER WYO COMPANY NAME ADDRESS PHONE POLICY NUMBER: ########## POLICY EXPIRATION DATE: MM/DD/YYYY INSURED NAME: LAST, FIRST, MI INSURED PROPERTY ADDRESS: 123 MAIN ST CITY, ST ZIP THE FOLLOWING CHANGE(S) TOOK EFFECT ON: MM/DD/YYYY NARRATIVE DESCRIPTION OF CHANGE(S): Building Coverage increased from 100,000 to 115,000 Change of Mortgagee from USA Bank to: Home Mortgage Lenders Loan 34589 123 Main Street Anywhere, MD 00000 Appendix F F-10 Revision 4 (10/1/01) Effective 5/1/00 SECTION 3 – DIRECTORY OF REPETITIVE LOSS TARGET GROUP PROPERTIES The monthly report to each WYO company identifying the Repetitive Loss Target Group policies is W2RTGCOM. To accommodate laterenewals and other situations, the group will also includepolicies expired less than 120 days. Policies with status codesfor future effective, future cancellation, and reinstated will beincluded. The policies must have an expiration date on or afterAugust 1, 2000, to move to the SDF. The report is available via FTP each month to each company. Thedata is also available as a flat ASCII or as a .dbf file throughthe FTP site (refer to Section 4 of this appendix). Please contactyour Program Coordinator to choose the format for yourinformation. A. RECORD LAYOUT FOR INDIVIDUAL COMPANY INFORMATION 01 REPETITIVE-LOSS-TARGET-GROUP-RECORD. 05 RL-COMPANY-NAME PIC X(30). 05 RL-COMPANY-CODE PIC X(05). 05 RL-VENDOR-CODE PIC X(05). 05 RL-VENDOR-NAME PIC X(30). 05 RL-POLICY-NUMBER PIC X(10). 05 RL-INSURED-NAME PIC X(50). 05 RL-PROP-ADDR-LINE1 PIC X(50). 05 RL-PROP-ADDR-LINE2 PIC X(50). 05 RL-PROP-ADDR-LINE3. 10 RL-PROP-CITY PIC X(30). 10 FILLER PIC X(01). 10 RL-PROP-STATE PIC X(02). 10 FILLER PIC X(01). 10 RL-PROP-ZIP-CODE. 15 RL-PROP-ZIP PIC X(05). 15 FILLER PIC X(01). 15 RL-PROP-ZIP4 PIC X(04). 10 FILLER PIC X(06). 05 RL-ADDRESS-KEY PIC X(25). 05 RL-COMMUN-NBR PIC X(06). 05 RL-LOSSES PIC S9(06). 05 RL-BLDG-AMOUNT PIC S9(11)V99.05 RL-CONT-AMOUNT PIC S9(11)V99.05 RL-TOTAL-AMOUNT PIC S9(11)V99.05 RL-TOTAL-PROPVAL PIC X(13). 05 RL-NOTIFICATION-DATE PIC 9(8). 05 RL-NUMBER PIC 9(7). 05 RL-IDENTIFICATION-DATE PIC 9(8). 05 FILLER PIC X(42). Appendix F F-11 Revision 4 (10/1/01) Change 7 Effective 5/1/05 The Repetitive Loss Identification Date (RL-IDENTIFICATION-DATE) is the first day of the month following that in which the propertywas identified as part of the Repetitive Loss Target Group. For Appendix F F-11 Revision 4 (10/1/01) Change 7 Effective 5/1/05 the property to be moved to the SDF, there must be at least 150days between this date and the policy expiration date. The Repetitive Loss Notification Date (RL-NOTIFICATION-DATE) isthe first day of the month following that in which the WYOcompany was notified of the property’s identification as part ofthe Repetitive Loss Target Group. B. RECORD LAYOUT OF DIRECTORIES AVAILABLE ON THE NFIP BUREAU FTP SITE Section 4 of this appendix contains instructions on using theNFIP Bureau FTP Site. 1. Directory of Repetitive Loss Target Group Properties All new business transactions are matched to this file and an error (PL004086) is generated for any matches that have a policyeffective date 150 days or more after the notification date. Thiserror will appear on the W2RPINVD report. The WYO companies willbe responsible for canceling the policy. Copies of all policyrelated documents must be sent with the premium remittance, payable to the NFIP, to: NFIP Special Direct Facility P.O. Box 29524 Shawnee Mission, KS 66201-5524 A memo should accompany this material explaining that this policyis being transferred to the SDF due to error PL004086. 01 REPETITIVE-LOSS-TARGET-GROUP-RECORD. 05 RL-PROP-ADDR-LINE1 PIC X(50). 05 RL-PROP-ADDR-LINE2 PIC X(50). 05 RL-PROP-ADDR-LINE3 10 RL-PROP-CITY PIC X(30). 10 FILLER PIC X(01). 10 RL-PROP-STATE PIC X(02). 10 FILLER PIC X(01). 10 RL-PROP-ZIP-CODE 15 RL-PROP-ZIP PIC X(05). 15 FILLER PIC X(01). 15 RL-PROP-ZIP4 PIC X(04). 10 FILLER PIC X(06). 05 RL-ADDRESS-KEY PIC X(25). 05 RL-COMMUN-NBR PIC X(06). 05 RL-LOSSES PIC S9(06). Appendix F F-12 Revision 4 (10/1/01) Change 7 Effective 5/1/05 05 RL-BLDG-AMOUNT PIC S9(11)V99. 05 RL-CONT-AMOUNT PIC S9(11)V99. 05 RL-TOTAL-AMOUNT PIC S9(11)V99. 05 RL-TOTAL-PROPVAL PIC X(13). 05 RL-IDENTIFICATION-DATE PIC 9(8). 05 RL-NUMBER PIC 9(7). 05 FILLER PIC X(50). The Repetitive Loss Identification Date (RL-IDENTIFICATION-DATE) is the first day of the month following that in which theproperty was identified as part of the Repetitive Loss TargetGroup. For the property to be moved to the SDF, there must be atleast 150 days between this date and the policy expiration date. 2. Directory of Historical Repetitive Loss Target GroupProperties This file contains all properties that have been successfullychallenged, mitigated, or otherwise removed (as with correctionsmade through the repetitive loss system) and are now eligible towrite with a WYO company. 01 HISTORICAL REPETITIVE-LOSS-TARGET-GROUP-RECORD. 05 HRL-PROP-ADDR-LINE1 PIC X(50). 05 HRL-PROP-ADDR-LINE2 PIC X(50). 05 HRL-PROP-ADDR-LINE3 10 HRL-PROP-CITY PIC X(30). 10 FILLER PIC X(01). 10 HRL-PROP-STATE PIC X(02). 10 FILLER PIC X(01). 10 HRL-PROP-ZIP-CODE 15 HRL-PROP-ZIP PIC X(05). 15 FILLER PIC X(01). 15 HRL-PROP-ZIP4 PIC X(04). 10 FILLER PIC X(06). 05 HRL-ADDRESS-KEY PIC X(25). 05 HRL-COMMUN-NBR PIC X(06). 05 HRL-LOSSES PIC S9(06). 05 HRL-BLDG-AMOUNT PIC S9(11)V99. 05 HRL-CONT-AMOUNT PIC S9(11)V99. 05 HRL-TOTAL-AMOUNT PIC S9(11)V99. 05 HRL-TOTAL-PROPVAL PIC X(13). 05 HRL-IDENTIFICATION-DATE PIC 9(8). 05 HRL-NUMBER PIC 9(7). 05 HRL-REMOVED-DATE PIC 9(8). 05 FILLER PIC X(42). The Historical Repetitive Loss Identification Date (HRLIDENTIFICATION-DATE) is the first day of the month following that Appendix F F-13 Revision 4 (10/1/01) Effective 5/1/00 in which the property was identified as part of the HistoricalRepetitive Loss Target Group. For the property to be moved tothe SDF, there must be at least 150 days between this date andthe policy expiration date. C. REPETITIVE LOSS TARGET GROUP PROPERTIES MONTHLY REPORT R E P O R T D E S C R I P T I O N REPORT NAME: REPETITIVE LOSS TARGET PROPERTIES JOB NAME: W2RTGCOM REPORT NUMBER: W2RTGCOM FREQUENCY: MONTHLY INFORMATION SOURCE: REPETITIVE LOSS FILE POLICY EXTRACT FILE SEQUENCE AND CONTROL BREAKS: COMPANY NAME SORT SEQUENCE: COMPANY NAME, POLICY NUMBER USE: THIS JOB CREATES A REPORT OF POLICIES ON REPETITIVE LOSS PROPERTIES THAT ARE CURRENTLY INSURED AND HAVE EITHER 4 OR MORE LOSSES OR 2 TO 3 LOSSES AND THE CUMULATIVE BUILDING LOSS IS GREATER THAN THE PROPERTY VALUE. NOTE: THE REPETITIVE LOSS DEFINITION USED IN THIS REPORT IS AS FOLLOWS: ANY PROPERTY WITH 2 OR MORE LOSSES IN A 10 YEAR ROLLING PERIOD. IF THERE ARE 2 LOSSES WITHIN 10 DAYS OF EACH OTHER ONLY 1 OF THOSE LOSSES IS COUNTED. THIS IS USED ONLY FOR PURPOSES OF SELECTING A PROPERTY. IN ORDER FOR A LOSS TO BE CONSIDERED FOR THE REPETITIVE LOSS FILE, IT MUST BE ON ORAFTER 01/01/1978, CLOSED & HAVE AT LEAST $1,000 IN PAYMENTS. IN ADDITION, A PROPERTY IS CONSIDERED NOT TO BE REPETITIVEIF ONE OF THE FOLLOWING SWITCHES ARE SET ON THE REPETITIVE LOSS FILE: FLOOD PROTECTION PROVIDED NO BUILDING ON PROPERTY ALL LOSSES DUE TO EVENTS GREATER THAN THE 100 YEAR FLOOD UNABLE TO IDENTIFY CAUSE OF FLOODING IN ADDITION, TO BE CONSIDERED FOR THIS REPORT, THE PROPERTYMUST BE CURRENTLY INSURED. THE PROPERTY MUST HAVE 4 OR MORE LOSSES OR 2 TO 3 LOSSES WITH A CUMULATIVE BUILDING LOSS GREATER THAN THE PROPERTY VALUE. THE PROPERTY VALUE FOR A PROPERTY IS DETERMINED BY TAKING THE MOST RECENT PROPERTY VALUE (RCV) IF IT IS AVAILABLE. IF IT IS NOT AVAILABLE, THEN THE MOST RECENT PROPERTY VALUE (ACV) IS USED. IF THE VALUE FROM THE MOST RECENT DATE OF LOSS IS NOT AN ACCEPTABLE VALUE THEN THE NEXT DATE OF LOSS IS CHECKED IN THE SAME MANNER UNTIL AN ACCEPTABLE VALUE IS FOUND. IF NO ACCEPTABLE VALUE IS FOUND THEN THE VALUE ON THE MOST RECENT DATE OF LOSS IS USED. AN ACCEPTABLE VALUE IS A NON-ZERO VALUE LESS THAN $10 MILLION FOR 1 TO 4 FAMILY PROPERTIES OR A NON-ZERO VALUE LESS THAN $100 MILLION FOR PROPERTIES THAT ARE OTHER Appendix F F-14 Revision 4 (10/1/01) Effective 5/1/00 RESIDENTIAL OR NON RESIDENTIAL. DURING THE PROCESS OF CHECKING FOR AN ACCEPTABLE VALUE, IF MULTIPLE OCCURENCES OFFLOODING IS FOUND FOR ANY DATE OF LOSS THEN 'ASSUMED CONDO' WILL BE IN THE PROPERTY VALUE FIELD. IF NO ACCEPTABLE VALUE IS FOUND THEN 'VAL NOT AVAIL' WILL BE IN THE PROPERTY VALUE FIELD WHEN THE PROPERTY VALUE IS ZERO OR 'VAL TOO LARGE' WHEN THE PROPERTY VALUE IS GREATER THAN $10 MILLION OR $100 MILLION. PROPERTY VALUE (RCV) WAS NOT REPORTED PRIOR TO 5/1/1997. THEREFORE, WHEN THE MOST RECENT LOSS IS PRIOR TO 5/1/1997, THE PROPERTY VALUE (ACV) WILL BE USED. ONE EXCEPTION TO THIS IS THE NFIP SERVICING AGENT DATA PRIOR TO 10/1/1993SOMETIMES REPORTED AN RCV VALUE IN THE ACV FIELD. FOR PURPOSES OF SELECTING PROPERTIES WITH 2 TO 3 LOSSES, APROPERTY IS EXCLUDED WHEN ALL PROPERTY VALUES ARE FOUND TO BE UNACCEPTABLE. ASSUMED CONDO PROPERTIES ARE ALSO EXCLUDED. CURRENTLY INSURED IS DETERMINED IF EITHER THE COMPANY NUMBER/POLICY NUMBER OR THE ADDRESS KEY/COMMUNITY NUMBERFROM THE REPETITIVE LOSS FILE ARE FOUND ON A POLICY WITH A STATUS CODE OF A (ACTIVE), B (FUTURE ACTIVE), D (FUTURECANCEL), F (EXPIRED LESS THAN 30 DAYS), G (EXPIRED LESS THAN120 DAYS) OR R (REINSTATED). R E P O R T F I E L D D E S C R I P T I O N 1. RUN DATE: THE ACTUAL DATE THIS REPORT WAS RUN. 2. RUN TIME: THE ACTUAL TIME THIS REPORT WAS RUN. 3. REPORT TITLE: NAME ASSIGNED TO THIS REPORT. 4. REPORT: A UNIQUE NUMBER ASSIGNED TO THIS REPORT. 5. PAGE: NUMBERED SEQUENTIALLY AND INCREMENTED BY ONE. 6. AS OF: THE DATA AS OF DATE ON THE DATE FILE. 7. FOR VENDOR: VENDOR NUMBER AND NAME, IF APPLICABLE, OF THE ACTIVE POLICIES. 8. FOR COMPANY: COMPANY NUMBER AND NAME OF THE ACTIVE POLICIES. 9. INSURED NAME/PROPERTY ADDRESS: INSURED NAME, ADDRESS LINE 1, ADDRESS LINE 2, CITY STATE AND ZIP CODE THAT IS LISTED ON THE ACTIVE POLICY. 10. POLICY NO: THE POLICY NUMBER OF THE ACTIVE POLICY. Appendix F F-15 Revision 4 (10/1/01) Effective 5/1/00 11. LOSS COUNT (CUMULATIVE LOSSES): THE NUMBER OF LOSSES ON RECORD FOR THE PROPERTY. 12. PROP VALUE: SEE ABOVE INFORMATION IN THE 'NOTE' FOR HOW PROPERTY VALUE IS CALCULATED. 13. COMMUN NUM: THE COMMUNITY NUMBER LISTED ON THE ACTIVE POLICY. 14. BLDG PAYMNTS: THE CUMULATIVE BUILDING PAYMENTS ON THE PROPERTY. 15. CONT PAYMNTS: THE CUMULATIVE CONTENTS PAYMENTS ON THE PROPERTY. 16. TOTAL PAYMNTS: THE CUMULATIVE BUILDING & CONTENTS PAYMENTS ON THE PROPERTY. 17. NOTIFICATION DATE: THE DATE THE COMPANY WAS NOTIFIED THAT THE POLICY MUST BE RENEWED WITH THE SDF. 18. IDENTFICATION DATE: THE DATE THE PROPERTY WAS IDENTIFIED AS BEING IN THE TARGET GROUP. Appendix F F-16 Revision 4 (10/1/01) Effective 5/1/00 Appendix F F-17 Revision 4 (10/1/01) Effective 5/1/00 REPORT: W2RTGCOM FEDERAL EMERGENCY MANAGEMENT AGENCY PAGE: 1 RUNDATE: XXX XX XXXX NATIONAL FLOOD INSURANCE PROGRAM RUNTIME: XX.XX.XX REPETITIVE LOSS TARGET GROUP PROPERTIES AS OF XX/XX/XXXX COMPANY NBR: XXXXX COMPANY NAME: XXXXXXXXXXXXXXXXXXXXXXXXXXXXX POLICY NO/ LOSS COUNT/ BLDG PAYMNTS/ INSURED NAME/ PROP VALUE/ CONT PAYMNTS/ PROPERTY ADDRESS COMMUN NUM TOTAL PAYMNTS ---------------- ------------------------ XXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXX XX,XXX.XXXXXXXXXXXXXXXXXXXXXX X XX,XXX.XXXXXXXXXXXXXXXXXXXXXX XX,XXX ------------ XXXXXXXXXXXX XX XXXXX XXXXXX XX,XXX.XXNOTIFICATION DATE: XX/XX/XXXX IDENTIFICATION DATE: XX/XX/XXXX---------------------------------------------------------------------------------- XXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXX XX,XXX.XXXXXXXXXXXXXXXXXXXXXX X XX,XXX.XXXXXXXXXXXXXXXXXXXXXX XX,XXX ------------ XXXXXXXXXXXX XX XXXXX XXXXXX XX,XXX.XXNOTIFICATION DATE: XX/XX/XXXX IDENTIFICATION DATE: XX/XX/XXXX---------------------------------------------------------------------------------- XXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXX XX,XXX.XXXXXXXXXXXXXXXXXXXXXX X XX,XXX.XXXXXXXXXXXXXXXXXXXXXX XX,XXX ------------ XXXXXXXXXXXX XX XXXXX XXXXXX XX,XXX.XXNOTIFICATION DATE: XX/XX/XXXX IDENTIFICATION DATE: XX/XX/XXXX---------------------------------------------------------------------------------- NOTE: DATA LIMITED TO REPETITIVE LOSS PROPERTIES WITH AT LEAST TWO LOSSES IN A 10 YEAR ROLLING PERIOD & AT LEAST TWO LOSSES THAT ARE MORE THAN 10 DAYS APART. REPORT CONTAINS PROPERTIES THAT ARE CURRENTLY INSURED. IN ADDITION, A PROPERTY MUST HAVE 4 OR MORE LOSSES OR THE CUMULATIVE BUILDING LOSS FOR THE PROPERTY MUST BE GREATER THAN THE PROPERTY VALUE. D. REPETITIVE LOSS TARGET GROUP PROPERTIES NON-RENEWAL REPORT The Special Direct Facility will also produce a monthly reportidentifying those policies that did not renew during the month. A sample of that report follows. REPLOSSNR - XX/XX/XXXX Repetitive Loss Target Group Properties Page XNon-Renewal Report Company Number XXXXX - WYO Company Name POLICY POLICY NUMBER PROPERTY ADDRESS EXPIRATION DATE XXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XX/XX/XXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX xxxxxxxxxxxxxxxxxxxxxxxxxx xx xxxxx-xxxx XXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XX/XX/XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX xxxxxxxxxxxxxxxxxxxxxxxxxx xx xxxxx-xxxx XXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XX/XX/XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX xxxxxxxxxxxxxxxxxxxxxxxxxx xx xxxxx-xxxx XXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XX/XX/XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX xxxxxxxxxxxxxxxxxxxxxxxxxx xx xxxxx-xxxx XXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XX/XX/XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX xxxxxxxxxxxxxxxxxxxxxxxxxx xx xxxxx-xxxx XXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XX/XX/XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX xxxxxxxxxxxxxxxxxxxxxxxxxx xx xxxxx-xxxx Appendix F F-18 Revision 4 (10/1/01) Effective 5/1/00 SECTION 4 -INSTRUCTIONS FOR FTP TRANSACTION PROCESSING A. DATA SUBMISSION PROCEDURES The submission procedure will be using the File Transfer Protocol(FTP) site address bureau.nfipstat.com to access directory/users/coxxxxx/rltg/out (xxxxx is the company/vendor number). When submitting data via FTP, the following steps must be used. • File name (compressed) • Reconciliation statements for each file. • The file name must follow the convention outlined below: XXXXXMMM.RLTGNN.zip XXXXX = Company NAIC Number MMM = Processing Month NN = Unique Identifier for WYO Company Use e.g., 12345DEC.RLTG01.Zip, represents XYZ Insurance Company'sAdditional Data Record file for December in a compressedformat. The expanded zipped file name should be the same asthe zip file name except the extension should be .dat. All files must be submitted using FTP directory /users/coxxxxx/rltg/out User ID, passwords, and directory access will be provided toeach WYO company. WYO companies will be able to access, read, and write only to their directories. They will not be able toaccess, read, or write to other directories. WYO companies mayobtain an FTP client (e.g., CuteFTP, WSFTP, etc.) or accessthe FTP site through the Internet. For instructions on how toproperly set up the FTP client or receive Internet FTP LoginProcedures to gain access to our site, contact your ProgramCoordinator at the NFIP Bureau. B. DATA TRANSMITTAL DOCUMENT A WYO Additional Data Record FTP Transmittal Document must accompany each RLTG data transmission. This document should use the same naming convention as the datafile but use .txt as the last node, e.g., XXXXXMMM.RLTGNN.txt All files must be submitted using FTP directory /users/coxxxxx/rltg/out. A sample form is provided on the following page. Appendix F F-19 Revision 4 (10/1/01) Change 7 Effective 5/1/05 WYO ADDITIONAL DATA RECORD FTP TRANSMITTAL DOCUMENT DATE SENT: COMPANY NAME: NAIC NUMBER: FILE NAME (DSN): TOTAL NUMBER OF RECORDS: CONTACT PERSON: CONTACT TELEPHONE NUMBER: Appendix F F-20 Revision 4 (10/1/01) Change 3 Effective 10/1/02 C. DATA RETRIEVAL PROCEDURES 1. Using the FTP Site The retrieval procedure will be using the File TransferProtocol (FTP) site address bureau.nfipstat.com. We will place the files on the FTP site on a monthly basis. • The file names located in the RLTG Common directory /ftpcommon/rltg are outlined below: RLTG File name: RLTG.DIRECTORY.zip Historical RLTG File name: HISTRLTG.DIRECTORY.zip Note: Both files are in compressed format. The expandedzipped file name will be the same as the zip file name exceptthe extension will be .dat • The file name located in the RLTG Individual Company directory /users/coxxxxx/rltg/in is outlined below: Individual Company File name: RLTG.COxxxxx.zip xxxxx = company/vendor NAIC number All files will be available from the designated FTP address(bureau.nfipstat.com). User ID, passwords, and directoryaccess will be provided to each WYO company. WYO companieswill be able to access, read, and write only to theirdirectories. They will not be able to access, read, or writeto other directories. WYO companies may obtain an FTP client(e.g., CuteFTP, WSFTP, etc.) or access the FTP site throughthe Internet. Instructions will be provided on how toproperly set up the FTP client or receive Internet FTP LoginProcedures to gain access to our site by contacting yourProgram Coordinator at the NFIP Bureau. Appendix F F-21 Revision 4 (10/1/01) Change 7 Effective 5/1/05 APPENDIX G - INSPECTION PROCEDURE TABLE OF CONTENTS Page INTRODUCTION ................................................. G-1 Section 1 – General Procedures ............................... G-2 A. Possible Community Floodplain Ordinance Violations..................................... G-2 B. Possible Pre-FIRM Determination Errors ........ G-12 C. Policyholder Complaints........................ G-13 D. B&SA Correspondence............................ G-13 Section 2 – Directory of Properties withPossible Community Ordinance Violations.......... G-14 A. Individual Company Monthly Report.............. G-15 B. Directory of Ineligible Properties MonthlyReport......................................... G-16 C. Record Layout of Individual CompanyData........................................... G-17 D. Record Layout of Directory of IneligibleProperties..................................... G-18 E. Record Layout of Community Contact Information. G-18 Section 3 – Directory of Properties with Possible Pre-/Post-FIRM Determination Errors ..... G-19 A. Monthly Report................................. G-20 B. Record Layout of Individual Company Data ...... G-21 Section 4 – Data Retrieval Procedures ........................ G-22 A. Using the FTP Site ............................ G-22 Appendix G G-i Revision 4 (10/1/01) Change 3 Effective 10/1/02 APPENDIX G - INSPECTION PROCEDURE LIST OF EXHIBITS Exhibit Page G-1 Endorsement for Monroe County and Islamorada, FL... G-3 G-2 Policyholder Notification Letter................... G-4 G-3 Sample Community Inspection Reports................ G-6 Appendix G G-ii Revision 4 (10/1/01) Effective 12/31/00 APPENDIX G – INSPECTION PROCEDURE INTRODUCTION Under the National Flood Insurance Program (NFIP), the FederalEmergency Management Agency (FEMA) has established an InspectionProcedure to help communities verify that structures comply withthe community's floodplain management ordinance and to ensure thatproperty owners pay flood insurance premiums commensurate withtheir flood risk. FEMA undertook the Inspection Procedure on apilot basis in two communities, Monroe County, Florida, and theVillage of Islamorada located in Monroe County. The Inspection Procedure also will enable FEMA to verify thatstructures insured under the NFIP are properly rated. Post-FIRM construction is charged an actuarial rate that must fully reflectthe risk of flooding. Because post-FIRM construction isactuarially rated, buildings constructed in compliance withcommunity floodplain management regulations pay flood insurancepremiums based on rates that are, in most cases, significantlylower than rates charged for buildings constructed in violation ofthose requirements. The Inspection Procedure requires owners of insured buildings toobtain a building inspection from community floodplain managementofficials as a condition of renewing the Standard Flood InsurancePolicy on the building. FEMA discussed the possibility ofimplementing the Inspection Procedure in other NFIP-participatingcommunities outside of Monroe County, Florida, only aftercompleting the pilot Inspection Procedure in the selectedcommunities and evaluating the procedure's effectiveness. Anycommunities that incorporate out of Monroe County, Florida, on orafter January 1, 1999, and are eligible to participate in the NFIPwill be required to participate in this Inspection Procedure. On March 8, 2002, FEMA published in the Federal Register the interimfinal rule, which amended the NFIP regulations to require that allareas that incorporate out of Monroe County participate in theInspection Procedure. To date, only one additional area hasincorporated out, the City of Marathon. Monroe County and the Village of Islamorada, Florida, wereselected because of their unique circumstances and theirwillingness to participate in this procedure. The InspectionProcedure will apply only to NFIP post-FIRM insured buildings inthe Special Flood Hazard Areas (SFHAs) of Monroe County, theVillage of Islamorada, and the City of Marathon that are possibleviolations of community floodplain management ordinances. Appendix G G-1 Revision 4 (10/1/01) Change 7 Effective 5/1/05 SECTION 1 – GENERAL PROCEDURES A. POSSIBLE COMMUNITY FLOODPLAIN ORDINANCE VIOLATIONS 1. Endorsement Standard Flood Insurance Policy Endorsement Number One(Revised), dated 10/01/02 (Exhibit G-1), must be attachedto all new and renewal policies issued on or afterOctober 1, 2002. 2. Identification The NFIP Bureau and Statistical Agent (B&SA) will provideMonroe County, the Village of Islamorada, and the City ofMarathon a list of post-FIRM policies in SFHAs to use inimplementing the Inspection Procedure. The communities of Monroe County, the Village of Islamorada, and the Cityof Marathon will identify insured buildings that arepossible violations of the local floodplain managementordinance because the enclosure below an elevated floor may be illegally constructed. The communities areupdating the NFIP Inspection Procedure online system withinformation on those buildings that are possibleviolations. 3. WYO Company & NFIP Servicing Agent Notification The B&SA will notify the WYO companies and the NFIPServicing Agent of the buildings identified as possibleviolations at least 240 days (8 months) prior to policyexpiration by letter or through the B&SA File TransferProtocol (FTP) site. The notification will contain policynumber, property address, and community contactinformation. Insurers will have 2 months to review the information provided. 4. Policyholder Notification The notification procedure is as follows: • The insurer must send to the policyholder, the agent, and the mortgagee a letter notifying them of therequirement of an inspection by a community floodplainmanagement official. (See Policyholder NotificationLetter, Exhibit G-2.) This notification to thepolicyholder, the agent, and the mortgagee must occur180 days (6 months) before the expiration of the policy. It must state that renewal of the policy is contingentupon the policyholder’s providing the Appendix G G-2 Revision 4 (10/1/01) Change 7 Effective 5/1/05 EXHIBIT G-1. Endorsement for Monroe County and Islamorada, FL Appendix G G-3 Revision 4 (10/1/01) Change 7 Effective 5/1/05 ***PLEASE READ*** IMPORTANT NOTICE OF CHANGE TO YOUR POLICY Your National Flood Insurance Program (NFIP) policy has changed. The enclosed Endorsement details the changes to the conditions of your policy, so please read it carefully. The changes have been made to support a Community Inspection Procedure of the NFIP. The purpose of the Community Inspection Procedure is to help local officials in Monroe County, Florida and the Village of Islamorada (also in Monroe County) ensure that homes and businesses in flood hazard areas meet building requirements designed to reduce the risk of flood damage. The procedure will also help the Federal Emergency Management Agency (FEMA) which administers the NFIP, to ensure that property owners pay flood insurance premiums that accurately reflect the risk of flooding. During the several years that this inspection procedure will be in place, you may receive a notice that an inspection by the community is required. The requirements of the Community Inspection Procedure will only apply to your building if it is in a Special Flood Hazard Area (see II.26 in your policy) and has been identified by the community as a possible violation of its floodplain management ordinance. If your building is identified as a possible violation, you will receive a notice about the required inspection approximately 6 months before your policy renewal date. A reminder will be sent 45 – 60 days before your policy renewal date. The inspection of your property must be performed before your policy’s next renewal or your policy will not be renewed. You will be responsible for contacting the community to arrange for the inspection. The community will inspect your structure to determine whether it complies with its floodplain management ordinance and will document its findings in a Community Inspection Report. You will receive a copy of the Community Inspection Report, which you must submit to us along with your renewal premium payment for your policy to be renewed. We will review your policy rating information against the information provided by the inspection report to ensure that your policy is rated correctly. If we find your policy to be incorrectly rated, you will be notified. You will be given the choice of paying additional premium or accepting lower limits of coverage. If you have any questions concerning this procedure please contact your agent or us. EXHIBIT G-2. Policyholder Notification Letter Appendix G G-4 Revision 4 (10/1/01) Change 7 Effective 5/1/05 insurer with proof of a satisfactory result on thebuilding inspection. • The insurer must send a reminder notice to the policyholder (already notified of the need for aninspection) with the renewal notice at least 45 daysbefore the policy expires. • The policyholder must request an inspection from thecommunity official. • Upon completion of the inspection, the policyholder willreceive an inspection report (Exhibit G-3) from thecommunity official. The policyholder must submit theinspection report by the end of the grace period forpolicy renewal (30 days after date of expiration). • The B&SA must be notified in writing (by mail, fax, ore-mail) of the dates the insured was mailed thesenotifications. 5. Underwriting a. Introduction • When the community official’s inspection report isreceived from the policyholder, the insurer’sunderwriting staff will review the informationprovided on the inspection report and rerate thepolicy as appropriate. • The insurer will notify the B&SA of the receipt ofthe inspection report, by mail, fax, or e-mail. The correspondence must contain the following: 1. Policy number 2. Name of policyholder 3. Property address 4. Date the policyholder was sent by letter the 6month notice that an inspection was required as acondition of renewing the policy 5. Date the insurer received the inspection report 6. Underwriting action taken. • If the policyholder does not obtain and submit acommunity inspection report as part of the renewalprocess, the insurer will not renew the policy. Appendix G G-5 Revision 4 (10/1/01) Change 4 Effective 5/1/03 County of Monroe Board of County Commissioners Growth Management Division Mayor George Neugent, Dist. 2 2798 Overseas Highway Suite 300 Mayor ProTem Nora Williams, Dist. 4 Marathon, Florida 33050 Commissioner Sonny McCoy, Dist. 3 Voice: (305) 289 2518 Commissioner Murray Nelson, Dist. 5 Fax: (305) 289-2515 Commissioner Dixie Spehar, Dist. 1 COMMUNITY INSPECTION REPORT LEGAL DESCRIPTION AND PARCEL ID #: NAME: INSPECTION DATE:___________ ADDRESS: INSURANCE COMPANY NAME: POLICY #: FIRM ZONE: This is to certify that the above referenced property has been inspected for compliance with the Monroe County Floodplain Management Ordinance Division 6, Section 9.5-315, 9.5-316 and 9.5-317. BUILDING OCCUPANCY: ___1 to 4 family ___Other Residential (5 or more family) ____Non-residential NUMBER OF FLOORS, INCLUDING ENCLOSURE________ METHOD OF ELEVATION: (circle one): Piers, posts, piles, solid perimeter walls, columns, or other-specify_____________. IS THE ENCLOSED AREA USED FOR OTHER THAN PARKING, BUILDING ACCESS OR STORAGE? ___YES____NO IF YES, DESCRIBE:___________________________________________________________________________ DOES THE AREA BELOW THE ELEVATED FLOOR CONTAIN MACHINERY AND EQUIPMENT?____YES____NO INDICATE THE NUMBER AND TYPE (circle one): ___furnace; ___heat pump; ___hot water heater; ___oil tank; ___elevator equipment; ___air conditioner; ___washer; ___dryer; ___food freezer; ___ other equipment or machinery serving the building (specify):________ SIZE OF ENCLOSED AREA:_________SQUARE FEET IS THE AREA BELOW THE ELEVATED FLOOR ENCLOSED USING: BREAKAWAY WALLS_____SOLID WOOD FRAME WALLS____MASONRY_____OTHER (explain) IS ENCLOSED AREA CONSTRUCTED WITH COMPLIANT OPENINGS (excluding doors and windows) TO ALLOW THE PASSAGE OF FLOODWATERS? ___YES____NO IS ENCLOSED AREA BUILT WITH MATERIALS RESISTANT TO FLOOD DAMAGES? ___YES____NO DOES THE ENCLOSED AREA HAVE MORE THAN 20 LINEAR FEET OF FINISHED WALLS, PANELING, ETC.? ___YES____NO INSPECTION PERFORMED BY:______________________________________________ EXHIBIT G-3. Sample Community Inspection Reports, 1 of 2 Appendix G G-6 Revision 4 (10/1/01) Effective 12/31/00 ISLAMORADA, VILLAGE OF ISLANDS MAYOR JAMES V. MOONEY VICE MAYOR FRANK R. KULISKY COUNCILMAN GEORGE GEISLER COUNCILMAN MARK GREGG COUNCILMAN RON LEVY Community Inspection Report Legal Description: Date of Inspection: Name: Address: Insurance company name: Policy Number: FIRM flood zone: This is to certify that the above referenced property has been inspected for compliance with the Village of Islamorada Floodplain Management Ordinance Section 9.5-317 b(1) and b(2). Building Occupancy: ___1-4 family ___Other Residential (5 or more family) ___Non residential Number of floors, including enclosure:_______ Method of Elevation (check): ___piers; ___post; ___piles; ___columns; ___solid perimeter walls; ___Other (specify)__________________________ Is the enclosed area used for other than parking, building access, and or/storage? ___Yes ____ No If Yes, describe the use: ____________________________________________ Does the area below the elevated floor contain machinery and equipment? ___Yes ____No Indicate the No. and Type: ___Heat Pump; ___Hot Water Heater; ___Elevator Equipment; __Washer ___Air Conditioner:; __Dryer; __Freezer; ___Other Equipment or Machinery Servicing Building (specify)________________________ Size of enclosed area: ____ square feet Is the area below the elevated floor enclosed using: ____ breakaway walls ____solid wood frame walls ____masonry ____other (explain) Is the enclosed area constructed with compliant openings (excluding doors & windows) to allow the passage of floodwaters? ___yes ___no Is the enclosure built with materials resistant to flood damages? ___yes ___no Explain: ___________________________________________________ Does the enclosed area have more than 20 linear feet of finished walls, paneling, etc.? ___yes ___no Inspection performed by: ______________________________ Date:_______ EXHIBIT G-3 (cont’d.). Sample Community Inspection Reports, 2 of 2 Appendix G G-7 Revision 4 (10/1/01) Effective 12/31/00 • If the policy is inadvertently renewed, the policywill receive the TRRP error PL004120 (InspectionProcedure Policy Written in Error). The W2RPINVDreport, Invalid Policies - By Company Code andPolicy Number, will reflect the error. The policymust be cancelled on the policy term’s effectivedate with Cancellation/Voidance Reason 6, Risk NotEligible for Coverage. The insurer is required totake immediate action. There is no tolerance level for these errors, and the cancellation must bereported within 6 months of notification. b. New Policies The B&SA will edit the new business transactions against the directory of properties identified by thecommunities as possible violations for which aninspection report was not obtained or submitted. New business transactions also will be edited against theSection 1316 declaration edit list. If the propertyaddress of the new business transaction is found, thepolicy will receive the TRRP error PL004120 (InspectionProcedure Policy Written in Error). The W2RPINVDreport, Invalid Policies - By Company Code and PolicyNumber, will reflect the error. These new business policies must be cancelled on thepolicy term’s effective date using Cancellation/ Voidance Reason 6, Risk Not Eligible for Coverage. The insurer is required to take immediate action. There is no tolerance level for these errors, and thecancellation must be reported within 6 months ofnotification. c. Inspection Delays If the policyholder made a "good faith" effort to getan inspection, but the community was unable to conductan inspection before the expiration of the policy, thecommunity will send the policyholder a "good faith" letter. This letter will acknowledge that thecommunity was unable to perform the requestedinspection in the timeframe required. The policyholdermust send this letter to the insurer before or with submission of the renewal premium payment. If neither the "good faith" letter nor the inspectionreport is received, the policy must not be renewed. Ifthe policy is inadvertently renewed, the policy willreceive the TRRP error PL004120 (Inspection Procedure Appendix G G-8 Revision 4 (10/1/01) Change 4 Effective 5/1/03 Policy Written in Error). The W2RPINVD report, InvalidPolicies - By Company Code and Policy Number, willreflect the error. The policy must be cancelled on thepolicy term’s effective date with Cancellation/ Voidance Reason 6, Risk Not Eligible for Coverage. The insurer is required to take immediate action. There is no tolerance level for these errors, and thecancellation must be reported within 6 months ofnotification. If the "good faith" letter is received, the policy canbe renewed. The insurer must follow the notification procedures described in Section 1.A.4., PolicyholderNotification. The inspection report must be receivedprior to the subsequent renewal (within the graceperiod of 30 days after expiration) in order for thepolicy to renew. Once the inspection report isreceived, the insurer’s underwriting staff will reviewthe information provided on the inspection report andrerate the policy as appropriate. The insurer willnotify the B&SA, by mail, fax, or e-mail, of thereceipt of the "good faith" letter. The letter is to contain policy number, property address, date thepolicyholder was notified of the inspectionrequirement, and date of receipt of the "good faith" letter. 6. Enforcement Action for Floodplain Ordinance Violations If the community inspected the building and identified aviolation of the floodplain management ordinance, thecommunity will undertake an enforcement action to remedythe violation to the maximum extent possible. If the violation has been corrected, the community will notifyFEMA of the date the violation was remedied. If the violation is not remedied after one year, the communitymay submit a request for denial of flood insurance under44 CFR 73, Implementation of Section 1316 of the NationalFlood Insurance Act of 1968. FEMA will provide the B&SA with the date the property wasdeclared ineligible for flood insurance under Section1316. This information will be reported to the WYOcompany or the NFIP Servicing Agent through hardcopyreport or the B&SA FTP site. The policy will receive the TRRP error PL004120 (Inspection Procedure Policy Writtenin Error). The W2RPINVD report, Invalid Policies - ByCompany Code and Policy Number, will reflect the error. Appendix G G-9 Revision 4 (10/1/01) Change 4 Effective 5/1/03 The policy must not renew and must be cancelled effectivethe date of expiration of the policy term in which the1316 declaration was issued. Use Cancellation/VoidanceReason 6, Risk Not Eligible for Coverage. The insurer is required to take immediate action. There is no tolerance level for these errors, and the cancellation must bereported within 6 months of notification. 7. B&SA Processing A directory of all Inspection Procedure propertiespossibly in violation of community floodplain managementordinances will be created and maintained by the B&SA. This directory will be made available to the WYOcompanies and the NFIP Servicing Agent on the B&SA FTPsite or through hardcopy. A second directory of all Inspection Procedure propertiesineligible for flood insurance will be created andmaintained by the B&SA. This directory will be madeavailable to the WYO companies and the NFIP ServicingAgent on the B&SA FTP site or through hardcopy. Thedirectory of ineligible policies will contain only thosepolicies that have been: • Identified as a possible violation, were cancelled orwere expired for more than 120 days, and for which aninspection report was never received; or • declared ineligible per Section 1316. A community contact database will be maintained by theB&SA. This database will be made available to the WYO companies and the NFIP Servicing Agent on the B&SA FTPsite or through hardcopy. Any renewal or new business transaction for a policyidentified as a possible community ordinance violation forwhich the B&SA has not received notification of the inspection report or "good faith" letter will receive theTRRP error PL004120 (Inspection Procedure Policy Writtenin Error). The W2RPINVD report, Invalid Policies - ByCompany Code and Policy Number, will reflect the error. These policies must be cancelled on the policy term’seffective date using Cancellation/Voidance Reason 6, RiskNot Eligible for Coverage. The insurer is required totake immediate action. There is no tolerance level for these errors, and the cancellation must be reported within6 months of notification. Appendix G G-10 Revision 4 (10/1/01) Change 4 Effective 5/1/03 8. Schedule August 1,2000 B&SA provides WYO companies and NFIP ServicingAgent with camera-ready endorsement andexplanation. October 1,2000 B&SA mails to insurers samples of Monroe Countyand Village of Islamorada community inspectionreports. The mailing will include a sample"good faith" letter (policyholder requested aninspection from the community). December 31, 2000 Inspection Procedure goes into effect. January 1,2001 B&SA gives insurers official implementationletter reiterating the procedures andrequirements. January 1,2001, andthereafter Insurers send renewal notices for affected communities with Inspection Procedureendorsements. Earliest effective date of the renewals is February 15, 2001, depending on theinsurer’s renewal billing cycle. February15, 2001, and thereafter Renewals for affected communities with Inspection Procedure endorsements becomeeffective. April 30,2001, andthereafter B&SA provides insurers lists of possibleviolations. The lists will include onlypolicies more than 8 months from expiration. Affects renewals November 1, 2001. April 30,2001, andthereafter B&SA provides insurers lists of structuresrated as pre-FIRM but identified by communityfloodplain officials as post-FIRM. August 1,2001, andthereafter Insurers send policyholders notification ofpossible violation and of the inspectionrequirement. August 2,2001, andthereafter Insurers by letter, fax, or e-mail notify theB&SA of policyholder actions, e.g., obtainedinspection, “good faith” letter, complaint. January 1,2002, andthereafter For policyholders who received “good faith” letters, insurers send renewal notices foraffected communities with endorsements and reminders for those policyholders alreadyinformed of possible violations. Earliest effective date of the renewals is February 15,2002, depending on the insurer's renewalbilling cycle. February15, 2002 First possible nonrenewals for policyholderswho did not obtain and submit inspection reports. Appendix G G-11 Revision 4 (10/1/01) Effective 12/31/00 B. POSSIBLE PRE-FIRM DETERMINATION ERRORS 1. Identification The B&SA will provide Monroe County and the Village ofIslamorada, Florida, a list of pre-FIRM policies inSFHAs. The communities will review the list of pre-FIRMpolicies and identify those buildings that, because theywere built or substantially improved on or after theeffective date of the initial FIRM, have been incorrectlyrated as pre-FIRM. The list of possible violations andthe list of possible post-FIRM structures that areincorrectly identified as pre-FIRM will be sent to theFEMA Region IV office, which will forward the material tothe B&SA for distribution to the WYO companies and theNFIP Servicing Agent. 2. WYO Company & NFIP Servicing Agent Notification The B&SA will notify the WYO companies and the NFIPServicing Agent by letter or through the B&SA FTP site ofthe properties rated as pre-FIRM and identified as post- FIRM. The notification to insurers will contain policynumber, property address, and community contactinformation. 3. Underwriting The community floodplain officials will be provided witha list of pre-FIRM insured structures by the B&SA. Upontheir review of this list, the community floodplainofficials will compile a list of insured structures thatare incorrectly rated as pre-FIRM because they were builtor substantially improved on or after the effective dateof the initial FIRM. This list will be sent to the FEMA Region IV office, which will forward it to the B&SA fordistribution to the WYO companies and the NFIP ServicingAgent. The insurer’s underwriting staff will review theinformation provided and rerate the policy as appropriateback to the beginning of the current term. The insurerwill notify the B&SA, by letter, fax, or e-mail, of thepolicy number, property address, and underwriting actiontaken. Any renewal transaction for a building identified aspost-FIRM and rated as pre-FIRM by the WYO companies orthe NFIP Servicing Agent will receive the TRRP errorPL035060 (Post-FIRM Construction Indicator Invalid per Appendix G G-12 Revision 4 (10/1/01) Change 4 Effective 5/1/03 Community Floodplain Official). This error will be generated on renewals that occur 180 days afternotification. Any new business transaction for a building identified aspost-FIRM and rated as pre-FIRM by the WYO companies orthe NFIP Servicing Agent will receive the TRRP errorPL035060 (Post-FIRM Construction Indicator Invalid perCommunity Floodplain Official). 4. B&SA Processing A directory of all Inspection Procedure properties ratedas Pre-FIRM and identified by the community as post-FIRMwill be created and maintained by the B&SA. This directory will be made available to the WYO companies andthe NFIP Servicing Agent on the B&SA FTP site or throughhardcopy. Any renewal or new business transaction for a policyidentified as a post-FIRM structure and rated as pre-FIRMby the WYO companies or the NFIP Servicing Agent willreceive the TRRP error PL035060 (Post-FIRM ConstructionIndicator Invalid per Community Floodplain Official). C. POLICYHOLDER COMPLAINTS If a policyholder complains to the insurer about theInspection Procedure requirement or any NFIP constructionrequirements such as for enclosures below elevated floors, refer them to their local floodplain management official. Any general concerns about flood insurance rating or coverageshould be handled by the insurer as usual. D. B&SA CORRESPONDENCE All hardcopy correspondence should be directed to the following: Underwriting Department Attention: Underwriting Manager NFIP Bureau & Statistical Agent 7700 Hubble Drive Lanham, MD, 20706 All e-mail correspondence should be directed to: inspproc@nfipstat.com Appendix G G-13 Revision 4 (10/1/01) Effective 12/31/00 SECTION 2 – DIRECTORY OF PROPERTIES WITH POSSIBLE COMMUNITY ORDINANCE VIOLATIONS The B&SA will generate a monthly report to each insurer of thepolicies on buildings that have been identified by the communityofficial as a possible violation of the local floodplainmanagement ordinance. These policies are at least 240 days(8 months) from expiration. The following criteria will be followed for inclusion/exclusion onthe report: • Policies that have been cancelled, have expired, or haveotherwise been resolved will be removed from this report. • Policies on properties for which an inspection report has beensubmitted and the violation has been corrected will remain on the report for 2 months after the correction was reported by thecommunity official. • Policies for properties that have been declared ineligible forflood insurance per Section 1316 will remain on this reportuntil the policy term has been cancelled. • Policies that have been determined by the community to becompliant or otherwise resolved will remain on the report for 2 months after the compliant closure date. The directory of ineligible policies will contain only thosepolicies that have been: • identified as a possible violation, cancelled or expired formore than 120 days, and for which an inspection report was neverreceived; or • declared ineligible per Section 1316. The hardcopy report is sent to each insurer. The data is also available as a flat ASCII file through the B&SA FTP site. Pleasecontact your Program Coordinator to choose the format for yourinformation. Appendix G G-14 Revision 4 (10/1/01) Change 4 Effective 5/1/03 A. INDIVIDUAL COMPANY MONTHLY REPORT This report is sorted by policy expiration date (ascending) within community number for each WYO company and the NFIPServicing Agency. Report: Rundate: Runtime: W2RIPBLG Federal Emergency Management Agency PAGE: XX XX/XX/XXXX National Flood Insurance ProgramXX.XX.XX Write Your Own (WYO) Inspection Procedure Properties with Possible Community Ordinance Violationsas of XX/XX/XXXX Company Nbr: XXXXX Company Name: XXXXXXXXX XXXXXXXX XXXX Community: XXXXXX - XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXCommunity Contact: XXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXX, XX XXXXX Policy Exp. Dt/ WYO Notify Dt/ Ins. Notify Dt/ Ins. Reminder D Insp. Rpt RcvdGood Faith Rcvd Violation Corr. Declared 1316 D Complaint/ Complt Rcvd/ Complt Close Error/ Error Date Policy No/ Insured Name/ Property Address XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXComments: XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXXXXXX XX/XX/XXXXXX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXXXXXXXX XXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXX XXXXXXXXXXXX, XX XXXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXComments: XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXXXXXX XX/XX/XXXXXX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXXXXXXXX XXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXX XXXXXXXXXXXX, XX XXXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXComments: XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXXXXXX XX/XX/XXXXXX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXXXXXXXX XXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXX XXXXXXXXXXXX, XX XXXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXComments: XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXXXXXX XX/XX/XXXXXX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXXXXXXXX XXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXX XXXXXXXXXXXX, XX XXXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXComments: XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXXXXXX XX/XX/XXXXXX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXXXXXXXX XXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXX XXXXXXXXXXXX, XX XXXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXComments: XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXXXXXX XX/XX/XXXXXX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXXXXXXXX XXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXX XXXXXXXXXXXX, XX XXXXX Appendix G G-15 Revision 4 (10/1/01) Effective 12/31/00 B. DIRECTORY OF INELIGIBLE PROPERTIES MONTHLY REPORT This report is sorted by property address within communitynumber. Report: Rundate: Runtime: W2RIPCOM XX/XX/XXXXXX.XX.XX Federal Emergency Management AgencyNational Flood Insurance ProgramWrite Your Own (WYO) PAGE: XX Inspection Procedure Ineligible Propertiesas of XX/XX/XXXX Community: XXXXXX - XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX Declared 1316 Date XX/XX/XXXX Property AddressXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXX, XX XXXXX XX/XX/XXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXX, XX XXXXX XX/XX/XXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXX, XX XXXXX XX/XX/XXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXX, XX XXXXX XX/XX/XXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXX, XX XXXXX XX/XX/XXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXX, XX XXXXX XX/XX/XXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXX, XX XXXXX XX/XX/XXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXX, XX XXXXX XX/XX/XXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXX, XX XXXXX Appendix G G-16 Revision 4 (10/1/01) Effective 12/31/00 C. RECORD LAYOUT OF INDIVIDUAL COMPANY DATA 01 INSPECTION-PROCEDURE-PROPERTIES-BUILDING-CODE-VIOLATION-RECORD. 05 INSP-COMPANY-NAME PIC X(30). 05 INSP-COMPANY-CODE PIC X(05). 05 INSP-VENDOR-CODE PIC X(05). 05 INSP-VENDOR-NAME PIC X(30). 05 INSP-POLICY-NUMBER PIC X(10). 05 INSP-INSURED-NAME PIC X(50). 05 INSP-PROP-ADDR-LINE1 PIC X(50). 05 INSP-PROP-ADDR-LINE2 PIC X(50). 05 INSP-PROP-ADDR-LINE3 10 INSP-PROP-CITY PIC X(30). 10 FILLER PIC X(01). 10 INSP-PROP-STATE PIC X(02). 10 FILLER PIC X(01). 10 INSP-PROP-ZIP-CODE. 15 INSP-PROP-ZIP PIC X(05). 15 FILLER PIC X(01). 15 INSP-PROP-ZIP4 PIC X(04). 10 FILLER PIC X(06). 05 INSP-ADDRESS-KEY PIC X(25). 05 INSP-COMMUN-NBR PIC X(06). 05 INSP-EXPIRATION-DATE (policyexpiration date at the time WYOcompany was first notified of possible violation) PIC 9(8). (From WYO Company) 05 INSP-WYO-CMPY-NOTIFICATION-DATE (of possible violation) PIC 9(8). (First day of thecalendar month set by NFIP B&SA) 05 INSP-INSURED-NOTIFICATION-DATE PIC 9(8). (From WYO Company) 05 INSP-INSURED-REMINDER-DATE PIC 9(8). (From WYO Company) 05 INSP-INSPECTION-RPT-RECVD-DATE PIC 9(8). (From WYO Company) 05 INSP-GOOD-FAITH-RPT-RECVD-DATE PIC 9(8). (From WYO Company) 05 INSP-VIOLATION-CORR-RECVD-DATE PIC 9(8). (From community official) 05 INSP-COMPLAINT-RECVD-DATE PIC 9(8). (From community official) 05 INSP-COMPLAINT-CLOSED-DATE PIC 9(8). (From community official) 05 INSP-COMPLAINT-STATUS PIC X(1). (From community official, "P" – Pending, "D" – Closed Denied, "A" – Closed Accepted) 05 INSP-DECLARED-1316-DATE PIC 9(8). (From FEMA) 05 LAST-UPDATE-DATE PIC 9(8). 05 LAST-UPDATE-TIME PIC 9(8). 05 COMMENT-AREA PIC X(1875). 05 FILLER PIC X(50). Appendix G G-17 Revision 4 (10/1/01) Effective 12/31/00 D. RECORD LAYOUT OF DIRECTORY OF INELIGIBLE PROPERTIES 01 INSPECTION-PROCEDURE-PROPERTIES-BUILDING-CODE-VIOLATION-RECORD. 05 INSP-PROP-ADDR-LINE1 PIC X(50). 05 INSP-PROP-ADDR-LINE2 PIC X(50). 05 INSP-PROP-ADDR-LINE3 10 INSP-PROP-CITY PIC X(30). 10 FILLER PIC X(01). 10 INSP-PROP-STATE PIC X(02). 10 FILLER PIC X(01). 10 INSP-PROP-ZIP-CODE. 15 INSP-PROP-ZIP PIC X(05). 15 FILLER PIC X(01). 15 INSP-PROP-ZIP4 PIC X(04). 10 FILLER PIC X(06). 05 INSP-ADDRESS-KEY PIC X(25). 05 INSP-COMMUN-NBR PIC X(06). 05 INSP-DECLARED-1316-DATE PIC 9(8). (From FEMA) 05 LAST-UPDATE-DATE PIC 9(8). 05 LAST-UPDATE-TIME PIC 9(8). 05 FILLER PIC X(50). E. RECORD LAYOUT OF COMMUNITY CONTACT INFORMATION 01 INSPECTION-PROCEDURE-COMMUNITY-OFFICIAL-RECORD. 05 INSP-COMMUNITY-NUMBER PIC 9(06). 05 INSP-COMM-OFFICIALSNAME PIC X(50). 05 INSP-COMM-ADDR-LINE1 PIC X(50). 05 INSP-COMM-ADDR-LINE2 PIC X(50). 05 INSP-COMM-ADDR-LINE3 10 INSP-COMM-CITY PIC X(30). 10 FILLER PIC X(01). 10 INSP-COMM-STATE PIC X(02). 10 FILLER PIC X(01). 10 INSP-COMM-ZIP-CODE. 15 INSP-COMM-ZIP PIC X(05). 15 FILLER PIC X(01). 15 INSP-COMM-ZIP4 PIC X(04). 10 FILLER PIC X(06). 05 INSP-COMM-OFFICIALS- TELEPHONE PIC 9(10). 05 FILLER PIC X(50). Appendix G G-18 Revision 4 (10/1/01) Effective 12/31/00 SECTION 3 – DIRECTORY OF PROPERTIES WITH POSSIBLE PRE-/POST-FIRM DETERMINATION ERRORS The B&SA will generate a monthly report to each insurer of thepolicies on buildings that have been identified by the communityofficial as post-FIRM. Policies with TRRP error PL035060 (Post- FIRM Construction Indicator Invalid Per Community FloodplainOfficial) will appear on this report. Policies that have beencancelled or otherwise resolved will be removed from this report. Policies that been endorsed (20A transaction) or corrected (23Atransaction) to indicate post-FIRM construction (Post-FIRMindicator is "Y" and Original Construction/Substantial ImprovementDate updated to correct date) will be removed from this report. The hardcopy report is sent to each insurer. The data is also available as a flat ASCII file through the B&SA FTP site. Pleasecontact your Program Coordinator to choose the format for yourinformation. Appendix G G-19 Revision 4 (10/1/01) Change 4 Effective 5/1/03 A. MONTHLY REPORT This report is sorted by policy number (ascending) withincommunity number for each WYO company and the NFIP ServicingAgent. Report: W2RIPFRM Federal Emergency Management Agency PAGE: XX Rundate: XX/XX/XXXX National Flood Insurance ProgramRuntime: XX.XX.XX Write Your Own (WYO) Inspection Procedure Properties with Possible Pre-/Post-FIRM Violationsas of XX/XX/XXXX Company Nbr: XXXXX Company Name: XXXXXXXXX XXXXXXXX XXXX Community: XXXXXX – XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXInitial FIRM Date: XX/XX/XXXX Community Contact: XXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXX, XX XXXXX Policy Exp. Dt/ Error/ Policy No/ Insured Name/ WYO Notify Dt/ Error Date Property AddressContr. Date XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXXXXXXXX XX/XX/XXXX XXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXX, XX XXXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXXXXXXXX XX/XX/XXXX XXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXX, XX XXXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXXXXXXXX XX/XX/XXXX XXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXX, XX XXXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXXXXXXXX XX/XX/XXXX XXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXX, XX XXXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXXXXXXXX XX/XX/XXXX XXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXX, XX XXXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXXXXXXXX XX/XX/XXXX XXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXX, XX XXXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXXXXXXXX XX/XX/XXXX XXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXX, XX XXXXX Appendix G G-20 Revision 4 (10/1/01) Effective 12/31/00 B. RECORD LAYOUT OF INDIVIDUAL COMPANY DATA 01 INSPECTION-PROCEDURE-PRE-FIRM-PROPERTIES-RECORD. 05 INSP-COMPANY-NAME PIC X(30). 05 INSP-COMPANY-CODE PIC X(05). 05 INSP-VENDOR-CODE PIC X(05). 05 INSP-VENDOR-NAME PIC X(30). 05 INSP-POLICY-NUMBER PIC X(10). 05 INSP-INSURED-NAME PIC X(50). 05 INSP-PROP-ADDR-LINE1 PIC X(50). 05 INSP-PROP-ADDR-LINE2 PIC X(50). 05 INSP-PROP-ADDR-LINE3 10 INSP-PROP-CITY PIC X(30). 10 FILLER PIC X(01). 10 INSP-PROP-STATE PIC X(02). 10 FILLER PIC X(01). 10 INSP-PROP-ZIP-CODE. 15 INSP-PROP-ZIP PIC X(05). 15 FILLER PIC X(01). 15 INSP-PROP-ZIP4 PIC X(04). 10 FILLER PIC X(06). 05 INSP-ADDRESS-KEY PIC X(25). 05 INSP-COMMUN-NBR PIC X(06). 05 INSP-ORIG-CONSTR-SUB-IMPROVE-DATE PIC 9(8). (From Community) 05 INSP-COMM-INIT-FIRM-DATE PIC 9(8). (From Community) 05 INSP-EXPIRATION-DATE (policyexpiration date at the time WYOcompany was first notified ofpossible violation) PIC 9(8). (From WYO Company) 05 INSP-WYO-CMPY-NOTIFICATION-DATE (of possible violation) PIC 9(8). (First day of thecalendar month set byNFIP B&SA) 05 FILLER PIC X(50). Appendix G G-21 Revision 4 (10/1/01) Effective 12/31/00 SECTION 4 - DATA RETRIEVAL PROCEDURES A. USING THE FTP SITE The retrieval procedures will be using the File TransferProtocol (FTP) from site address bureau.nfipstat.com. The files will be placed on the FTP site on a monthly basis. • The file names located in the Inspection ProcedureCommon directory /ftpcommon/monroe are outlined below: Community Contact Information: insp_community_contact.zip Inspection Procedure Ineligible Directory: insp_ineligible_directory.zip Pre-/Post-FIRM Directory: insp_firmdirectory.zip Inspection Procedure Directory: insp_directory.zip Note: All four files are in compressed format. The expanded zipped file name will be the same as the zipfile name except the extension will be .dat. • The file name located in the Inspection ProcedureIndividual Company directory /users/coxxxxx/monroe is outlined below: Inspection Procedure Company Data: insp_cxxxxx.zip xxxxx = company/vendor code All files will be available from the designated FTP address(bureau.nfipstat.com). User ID, passwords, and directoryaccess will be provided to each insurer that does not alreadyhave these. Insurers will be able to access, read, and writeonly to their directories. They will not be able to access, read, or write to other directories. Insurers will be requiredto obtain an FTP client (e.g., CuteFTP, WSFTP, etc.). Instructions will be provided on how to properly set up theFTP client to gain access to our site by contacting yourProgram Coordinator at the NFIP Bureau. Appendix G G-22 Revision 4 (10/1/01) Change 4 Effective 5/1/03 APPENDIX H – CONDOMINIUM INSPECTION PROGRAM TABLE OF CONTENTS Page INTRODUCTION................................................. H-1 SECTION 1 – GENERAL PROCEDURES .............................. H-2 A. Data Processing Workflow....................... H-2 B. Discrepancy List............................... H-7 C. Company Response/Appeal Procedures............. H-8 D. Data Processing Schedules ..................... H-10 SECTION 2 – REPORT LAYOUTS................................... H-13 A. WYO Discrepancy Notification Report (W2CIPNOT) H-13 B. Appeal/Response Status Report (W2CIPRES)....... H-15 C. Historical Appeal/ResponseStatus Report (W2CIPHIS) ....................... H-17 SECTION 3 - DATA RETRIEVAL PROCEDURES ....................... H-19 A. Using the FTP Site ............................ H-19 B. Internet FTP Login Procedures ................. H-19 C. Report File Description ....................... H-19 D. Data File Description ......................... H-20 Appendix H H-i Revision 4 (10/1/01) Change 7 Effective 05/01/05 APPENDIX H – CONDOMINIUM INSPECTION PROGRAM INTRODUCTION The Federal Emergency Management Agency (FEMA) is conducting aCondominium Inspection Program to inspect selected residentialcondominium buildings insured by the National Flood InsuranceProgram (NFIP). High-rise condominium properties will be selected for inspection from active policies that are elevationrated, and that are located in Special Flood Hazard Areas. The level of exposure associated with high-rise condominium buildingswarrants a careful review of the rating data for each property. As of November 2004, all inspections were completed in the statesof California, Louisiana, Maryland, New Jersey, North Carolina, South Carolina, Texas, and Virginia. During 2005, additionalinspections will be completed for high-rise buildings in otherstates beginning with the counties of Broward, Collier, and Dadein Florida. Appendix H H-1 Revision 4 (10/1/01) Change 7 Effective 05/01/05 SECTION 1 – GENERAL PROCEDURES A. DATA PROCESSING WORKFLOW The workflow for each policy that is selected for inspection underthe Condominium Inspection Program (CIP) is described below as aseries of five processes. WYO Companies and vendors will benotified of discrepancies between inspection data and policy dataas inspections are completed. The inspection procedure beganDecember 2004 and will continue at least through 2005. The workflow schedule provides lead-time for WYO Companies to reviewdocuments, correspond with the NFIP Bureau and Statistical Agent(BSA) Underwriting Unit, appeal the inspection results, and effectpolicy changes as necessary. 1. Data Collection FEMA’s Inspection Contractor will perform onsite inspectionsof active NFIP policies that are underwritten as elevation- rated, high-rise condominium buildings located in SpecialFlood Hazard Areas. The Inspection Package includes thecollected data, FEMA Elevation Certificate, Flood ZoneDetermination Form, and digital photographs for the subjectproperty. 2. Inspection Package Review and Discrepancy Determination The NFIP (BSA) Underwriting Unit will review the inspectionpackages that have been prepared by the InspectionContractor. The policy data will be compared to theinspection data, and any discrepancies will be identified andplaced on the WYO Discrepancy Notification Report (W2CIPNOT). The inspection package documents related to a policydetermined to have a discrepancy will be included in the datafile described in process “3. Discrepancy Notification(W2CIPNOT Report and Data),” below. 3. Discrepancy Notification (W2CIPNOT Report and Data) a. Report Companies and vendors will receive the WYO DiscrepancyNotification Report (W2CIPNOT) every month as part of theregular monthly process. The report layout is located inSECTION 2 – REPORT LAYOUTS. The first report will beposted on the bureau.nfipstat.com File Transfer Protocol(FTP) site by December 15, 2004, and thereafter by the 15th of each month. Information concerning the FTP site is Appendix H H-2 Revision 4 (10/1/01) Change 7 Effective 05/01/05 provided in SECTION 3 - DATA RETRIEVAL PROCEDURES. The W2CIPNOT report contains active policies, and policiesexpiring within the next 30 days from the cycle date, thathave been identified as having a discrepancy between theinformation reported through TRRP and the inspection data. This non-cumulative report will be sorted in ascendingorder by Vendor Number, WYO Company Number, Notification Date, Required Response Date, Policy Expiration Date, andPolicy Number. Please note that the policy rating elements listed on theW2CIPNOT, W2CIPRES, and W2CIPHIS reports have an oldervintage than the vendor number, WYO Company number, andpolicy expiration date. The vintage of the policy ratingelements appearing on the WYO Discrepancy NotificationReport (W2CIPNOT) is generally 1 month prior to the firstmonth in which the discrepancy is reported to the WYOCompany. This time delay is due to the review of the datathat has been performed by the NFIP BSA Underwriting Unit. The vintage of the policy rating elements is indicated bythe “As of” date for the column of policy data, rather thanby the “As of Cycle Date” for the report. The 1-month-old vintage of the rating elements would be a notable factor ifa rating element has been endorsed during the same month asthe discrepancy notification. In the event that a coinciding endorsement has resolved the discrepancy, theappeal process should be followed. b. Data WYO Companies and vendors will receive documents from theinspection package every month as part of the regularmonthly process. Documents will be provided for anypolicies that have been identified with a discrepancybetween the information reported through TRRP and theinspection data. These documents will correspond to thepolicies listed on the W2CIPNOT report for the currentmonth. The first documents will be posted as data on thebureau.nfipstat.com FTP site by December 15, 2004, andthereafter by the 15th of each month. The inspection documents are a FEMA Elevation Certificate, a Flood Zone Determination Form, and photographs of therisk. The FEMA Elevation Certificate and Flood Zone Determination Form will be in Adobe PDF format, and thephotographs will be in JPG image format. In most cases, atleast two photographs will be provided for each policy. The photographs can be viewed using programs such asMicrosoft Photo Editor or the Microsoft Imaging Applet that Appendix H H-3 Revision 4 (10/1/01) Change 7 Effective 05/01/05 is included with specific versions of Microsoft Windows, orother image editors can be used. The FEMA Elevation Certificate, Flood Zone DeterminationForm, and photograph documents will be provided in a PKWAREPKZip archive (*.zip) file that will be located in the“CondoInsp” folder on the bureau.nfipstat.com FTP site. The Reports and Data Files will be available on the FTPsite with the normal monthly reports. The WYO Companyshould download and save these files monthly, so that theinformation will be available as needed. The FTP site is cleared of all reports and files on the 21st of each month. 4. Review Inspection Packages and Respond The WYO Company should review each policy with a discrepancy, and either correct the rating of the policy at renewal, orsuccessfully appeal the discrepancy with the NFIP BSAUnderwriting Unit. The date by which either a policy must beendorsed, or a discrepancy must be appealed, is set accordingto the following 5-month rule. For policies with a discrepancy, if the expiration date ismore than 5 months from the Discrepancy Notification Date, then the discrepancy must be addressed at the upcomingrenewal. When the policy expiration date is within 5 monthsof the Discrepancy Notification Date, the WYO Company maychoose to postpone rating corrections until the subsequentrenewal period. For example, if the Discrepancy Notification Date is January1, 2005, then policies renewing in May 2005 and in earliermonths are within 5 months of renewal, and therefore, the WYOCompany may choose to postpone rating corrections until thesubsequent renewal period, i.e., 2006. However, policiesrenewing in June 2005 and in later months are more than 5months from renewal, and therefore the discrepancy must beaddressed at the upcoming renewal, i.e., 2005. Furthermore, the WYO Company must notify the NFIP BSAUnderwriters of their intended actions regarding policycorrections or discrepancy appeals prior to the first day ofthe month that is prior to the policy expiration date. This is the Required Response Date that appears on the W2CIPNOTreport. The required response date is set according to therenewal year that is established by the 5-month rule, suchthat policies that qualify for postponed action do notrequire research and a response until 1 month prior to thesubsequent renewal. Appendix H H-4 Revision 4 (10/1/01) Change 7 Effective 05/01/05 For example, if the Discrepancy Notification Date is January1, 2005, then policies renewing in May 2005 and in earliermonths are within 5 months of renewal. Therefore, theRequired Response Date will be set to 1 month prior to thesubsequent renewal, i.e., 2006, rather than the upcomingrenewal, i.e., 2005. The WYO Company response can be sent to the attention of theNFIP BSA Underwriting Unit via one of the following methods: y E-mail to condoinsp@nfipstat.com y Fax to 301-918-1471 y Mail to the NFIP BSA Underwriting Unit at P. O. Box 310, Lanham, MD 20706. Failure to successfully appeal discrepancies or to notify theNFIP BSA Underwriting Unit appropriately will cause thegeneration of the critical TRRP error code “PL004140” (Condominium Inspection Program Policy Ineligible for NewBusiness or Renewal), as highlighted in process “5. TrackPolicy Corrections and Discrepancy Appeals (W2CIPRES andW2CIPHIS Reports).” 5. Track Policy Corrections and Discrepancy Appeals (W2CIPRES andW2CIPHIS Reports) The Appeal/Response Status Report (W2CIPRES) will be postedto the bureau.nfipstat.com FTP site monthly beginning onJanuary 15, 2005, and monthly thereafter. The reportcontains policies for which an appeal or response wasreceived from the WYO Company during the prior month. This report is sorted in ascending order by Vendor Number, WYOCompany Number, Notification Date, Required Response Date, Policy Expiration Date, and Policy Number. The report liststhe status of appeals and responses received by the NFIP BSAUnderwriting Unit during this reporting month. This reportis not cumulative. In addition to the fields listed on the W2CIPNOT report, thisreport lists the discrepancy-field value accepted by the NFIPBSA Underwriting Unit, the Appeal/Response Status, certainactions that are now required of the WYO Company, andcomments for each discrepancy. The Historical Appeal/Response Status Report (W2CIPHIS) willbe posted to the bureau.nfipstat.com FTP site monthly, beginning on January 15, 2005, and monthly thereafter. The report contains policies for which a discrepancy was reported Appendix H H-5 Revision 4 (10/1/01) Change 7 Effective 05/01/05 to the WYO Company or vendor via the W2CIPNOT report. This report is sorted in ascending order by Vendor Number, WYOCompany Number, Notification Date, Required Response Date, Policy Expiration Date, and Policy Number. The report liststhe status of all appeals and responses received by the NFIPBSA Underwriting Unit. This report is cumulative. In addition to the fields listed on the W2CIPNOT report, this report liststhe discrepancy-field value accepted by the NFIP BSAUnderwriting Unit, the Appeal/Response Status, certain actionsthat are now required of the WYO Company, and comments for eachdiscrepancy. The layouts for these reports are located in SECTION 2 – REPORT LAYOUTS. Information concerning the FTP site isprovided in SECTION 3 - DATA RETRIEVAL PROCEDURES. The following conditions will cause a policy to be assignedthe critical TRRP error code “PL004140” (CondominiumInspection Program Policy Ineligible for New Business orRenewal): y When a discrepancy is not successfully appealed prior to the renewal date and as indicated by the Required Response Date; y When a discrepancy is not corrected prior to the renewaldate and as indicated by the Required Response Date; y When the NFIP BSA Underwriting Unit has not been notified of the WYO Company’s intended action on or before the Required Response Date; y When a policy for an inspected property is written withanother WYO Company, and the following conditions are met: (1) the inspection had already been conducted, (2) a discrepancy exists, and (3) the policy continues to be rated incorrectly. This error code will appear on the Ineligible/Invalid PolicyReports (W2RPINVD and W2RPINVA). Appendix H H-6 Revision 4 (10/1/01) Change 7 Effective 05/01/05 B. DISCREPANCY LIST The following table provides an expanded description for theabbreviated field names that can appear as discrepancies on theWYO Discrepancy Report (W2CIPNOT), Appeal/Response Status Report(W2CIPRES), and Historical Appeal/Response Status Report(W2CIPHIS). Field Names Appearing onDiscrepancy and AppealReports Expanded Description and Possible Field Values First Name Last Name Number of Units Address1 Address Line 1 Address2 Address Line 2 CityState Zip1 5-Digit Zip CodeZip2 Plus-4 Zip CodeBeg. Street Number Beginning Street/House NumberHouse Number Street Prefix Dir Street Prefix Directional Street Name Street Suffix Street Suffix Dir Street Suffix Directional Apartment Desig. Apartment DesignatorApartment NumberCommunity Id Community Identification NumberMap PanelMap SuffixFlood Zone Diagram NumberBuilding TypeBasement (Yes, No, Unable to Verify) Basement Status (Finished, Unfinished, Unable to Verify) Enclosure Any Enclosed Areas Below the Elevated Floor? (Yes, No) Enclosure Status Enclosure Type (Finished, Unfinished, Unableto Verify) Elevation Is Building Elevated? (Yes, No) Elevation Method Method of Elevation (Posts or Piles, Piers orColumns, Shear Walls, Solid Perimeter Walls) Obstruction Obstruction Type/Code Flood Opening Any Flood Openings? Open Within 1 ft Any Flood Openings within 1 Foot of AdjacentGrade? (Yes, No) Wall Type Type of Wall around Enclosure (InsectScreening or Lattice, Masonry Walls, SolidWood Frame Walls, Breakaway Walls, Other Typesof Solid Walls) Area Size With PO Enclosed Area Size with Proper Openings within1 foot of Adjacent GradeArea Size W/O PO Enclosed Area Size without Proper Openingswithin 1 foot of Adjacent GradeBase Flood Elev Base Flood Elevation (BFE) Appendix H H-7 Revision 4 (10/1/01) Change 7 Effective 05/01/05 Low Floor Elev Lowest Floor Elevation (LFE) LAG Lowest Adjacent Grade ElevationHAG Highest Adjacent Grade ElevationTop of Next High Flr Top of Next Higher Floor ElevationElevation Difference Difference between LFE (Rating Floor) and BFECBRA Is Property Located in a Coastal BarrierResources Area? (Yes, No) Mach&Eq Elev Machinery and Equipment ElevationBot of Low Horiz Bottom of Lowest Horizontal Member (V ZonesOnly) C. COMPANY RESPONSE/APPEAL PROCEDURES 1. Agreement with Inspection Results a. If you agree with the inspection findings, notify the NFIPBSA Underwriting Unit of the action that is planned uponrenewal by the first day of the month prior to the policyexpiration date. The latest response date is the RequiredResponse Date that appears on the W2CIPNOT report. b. Confirmation of the WYO Company response to the NFIP BSAUnderwriting Unit is provided on the W2CIPRES and W2CIPHISreports. 2. Disagreement with Inspection Results a. If you disagree with the inspection findings, notify theNFIP BSA Underwriting Unit of the action that is plannedupon renewal by the first day of the month prior to thepolicy expiration date. The latest response date is theRequired Response Date that appears on the W2CIPNOT report. b. Discrepancy Appeals should be sent to the NFIP BSA Underwriting Unit via one of the following methods: y E-mail to condoinsp@nfipstat.com y Fax to 301-918-1471 y Mail to the NFIP BSA Underwriting Unit at P. O. Box 310, Lanham, MD 20706. Certain documents such as maps may not be legible whenfaxed. Illegible documents will result in a request foradditional information and will delay the appeal process. c. Written documentation must be provided for the discrepancythat is being appealed. d. To appeal a flood zone, community number, map panel, orbase flood elevation, a legible copy of the original FIRMwith the property location marked, a community official’sstatement, or original Elevation Certificate must be Appendix H H-8 Revision 4 (10/1/01) Change 7 Effective 05/01/05 provided. e. To appeal the number of condo units, submit supportingdocumentation, such as a written statement from the agentor insured. f. The appeal for all other discrepancies must include properwritten documentation to support the appeal. g. The NFIP BSA Underwriting Unit must approve all appeals. h. The NFIP BSA Underwriting Unit’s response to the receivedappeals is provided on the W2CIPRES and/or W2CIPHISreports. 3. Appeal Status Listed on the W2CIPRES and W2CIPHIS Reports Appeal Status DescriptionFavorable Appeal - Grandfathered The appeal was accepted due to the receiptof proper documentation, and in accordancewith the grandfathering rules. No further action is required. Favorable Appeal – Proper Documentation The appeal was accepted due to the receiptof proper documentation. No further action is required. Favorable Appeal – Inspection Error The appeal was accepted due to the receiptof proper documentation, which indicated anerror in the inspection data. No further action is required. Favorable Appeal – BSA Discrepancy Error The appeal was accepted due to the receiptof proper documentation, which indicated anerror was made by the NFIP BSA UnderwritingUnit in the identification of the discrepancy. No further action is required. Unfavorable Appeal The NFIP BSA Underwriting Unit did notaccept the documentation submitted for thediscrepancy. A response to the BSA isrequired. The response should indicate theaction that is planned upon renewal. Additional Data Required The documentation that was initiallysubmitted was not sufficient to prove thevalue of the field as proposed by the WYOCompany. A response to the NFIP BSAUnderwriting Unit is required. The response should either include theadditional information, or indicate theaction that is planned upon renewal. Endorse Now The WYO Company agrees with the inspectionresults for this discrepancy and plans toendorse the policy immediately. Endorse at Renewal The WYO Company agrees with the inspectionresults for this discrepancy and plans toendorse the policy upon renewal, asindicated by the required response date. No Company Response The WYO Company has not responded. Appendix H H-9 Revision 4 (10/1/01) Change 7 Effective 05/01/05 D. DATA PROCESSING SCHEDULES The Condominium Inspection Program’s processing dates andbusiness rules that appear on and govern the Discrepancy andAppeal Reports (W2CIPNOT, W2CIPRES, W2CIPHIS) are explained inthe table below. The timeline for future notifications and expiration dates should be extrapolated from this timeline, sinceadditional policies with discrepancies may be identified andreported each month. 1. Sample Timeline of Monthly Processing Activity Date(1st Month Example) Description12/15/2004 The WYO Discrepancy Notification ReportW2CIPNOT and Data (including ElevationCertificate, Flood Zone DeterminationForm, and photographs) are posted tothe bureau.nfipstat.com FTP site. The cycle date is October 2004. The values of the policy rating elements are as ofSeptember 2004 data due to BSAworkflow. The report and data includespolicies expiring in May, June, andJuly 2005 that have been inspected, andfor which a discrepancy has beenidentified. 01/01/2005 The Notification Date is set to January1, 2005, for the policies posted to theFTP site on 12/15/2004. Consequently, policies expiring in May 2005 arewithin 5 months of expiration, andtherefore the WYO Company may elect topostpone investigation and responseuntil the subsequent renewal in 2006, as indicated by the Required ResponseDate. However, policies expiring inJune and July 2005 are outside the5-month renewal window, and thereforethe Required Response Date for thesepolicies is set to the 1st day of themonth prior to renewal. 2/2005 & 3/2005 The WYO Company prepares responses, determines actions, and notifies theNFIP BSA Underwriting Unit of intendedactions (policy corrections anddiscrepancy appeals). The NFIP BSA Underwriting Unit reviews Appendix H H-10 Revision 4 (10/1/01) Change 7 Effective 05/01/05 responses from the WYO Company. The status of WYO Company appeals/responsesappears on the W2CIPRES and W2CIPHISreports. 4/2005 The WYO Company sends out 60-dayRenewal Notices for June renewals. The WYO Company prepares responses, determines actions, and notifies theNFIP BSA Underwriting Unit of intendedactions (policy corrections anddiscrepancy appeals). The NFIP BSA Underwriting Unit reviewsresponses from the WYO Company. The status of WYO Company appeals/responsesappears on the W2CIPRES and W2CIPHISreports. 5/1/2005 The WYO Company notifies the NFIP BSAUnderwriting Unit of intended actionprior to the May 1, 2005, RequiredResponse Date for June renewals. The WYO Company sends out 60-dayRenewal Notices for July renewals. The NFIP BSA Underwriting Unit reviewsresponses from the WYO Company. The status of WYO Company appeals/responsesappears on the W2CIPRES and W2CIPHISreports. Policies with a Required Response Dateof May 1, 2005, for which responseshave not been received from the WYO Company, will be assigned the criticalTRRP error code “PL004140”, beginningin the May 2005 Data Cycle. 6/1/2005 The WYO Company notifies the NFIP BSAUnderwriting Unit of intended actionprior to the June 1, 2005, RequiredResponse Date for July renewals. The NFIP BSA Underwriting Unit reviewsresponses from the WYO Company. The status of WYO Company appeals/responsesappears on the W2CIPRES and W2CIPHISreports. Appendix H H-11 Revision 4 (10/1/01) Change 7 Effective 05/01/05 Policies with a Required Response Date of June 1, 2005, for which responses have not been received from the WYO Company, will be assigned the critical TRRP error code “PL004140”, beginning in the May 2005 Data Cycle. 8/2005 The renewal transactions for policiesexpiring in June 2005 are processed in the August 2005 TRRP Data Cycle. The following conditions will cause apolicy to be assigned the critical TRRPerror code “PL004140”: y When a discrepancy is notsuccessfully appealed prior to therenewal date and as indicated by theRequired Response Date; y When a discrepancy is not correctedprior to the renewal date and asindicated by the Required ResponseDate; y When the NFIP BSA Underwriting Unithas not been notified of the WYO Company’s intended action on orbefore the Required Response Date; y When a policy for an inspectedproperty is written with another WYOCompany, and the followingconditions are met: (1) theinspection had already beenconducted, (2) a discrepancy exists, and (3) the policy continues to berated incorrectly. Appendix H H-12 Revision 4 (10/1/01) Change 7 Effective 05/01/05 SECTION 2 – REPORT LAYOUTS A. WYO DISCREPANCY NOTIFICATION REPORT (W2CIPNOT) This report contains active policies, and policies expiringwithin the next 30 days from the cycle date, that have beenidentified as having a discrepancy between the informationreported through TRRP and the inspection data. The report issorted in ascending order by Vendor Number, WYO Company Number, Notification Date, Required Response Date, Policy Expiration Date, and Policy Number. The report lists discrepancies between policyand inspection data fields, and comments from the NFIP BSAUnderwriting Unit. Please note that the vintage of the policydata column differs from the report “As of Cycle Date” asexplained in item “3. Discrepancy Notification (W2CIPNOT Reportand Data)” in SECTION 1 – GENERAL PROCEDURES. Appendix H H-13 Revision 4 (10/1/01) Change 7 Effective 05/01/05 Appendix H H-14 Revision 4 (10/1/01) Change 7 Effective 05/01/05 Report: W2CIPNOT Run Date: 12/15/2004 Notification Date: 01/01/2005 RequiredPolicyResponseExpirationPolicyDate Date Number 04/01/06 05/01/05 0000012345 05/01/05 06/01/05 0000045678 Federal Emergency Management Agency National Flood Insurance Program Condominium Inspection Program WYO Discrepancy Notification Report As of Cycle Date 10/31/2004 Vendor Nbr: 00000 Vendor Name: xxxxxxxxxxxx Company Nbr: 00000 Company Name: xxxxxxxxxxxxxxxx Policy Data As of InspectionBSA Field Name 09/30/04 Data Comment Page 1 of x Low Floor Elev 12 Map PanelMap SuffixObstruction 0000 G Base Flood Elev 9 Diagram NumberElevation No LAG 0 Low Floor Elev 10 Number of Units 12 5.4 0003 Please UpdateF 50 6 8 Yes 6.1 6.1 9 Verify Number of Units B. APPEAL/RESPONSE STATUS REPORT (W2CIPRES) The report contains policies for which an appeal or response wasreceived from the WYO Company or vendor during the prior month. This report is sorted in ascending order by Vendor Number, WYOCompany Number, Notification Date, Required Response Date, PolicyExpiration Date, and Policy Number. The report lists the statusof appeals and responses received by the NFIP BSA UnderwritingUnit during this reporting month. This report is not cumulative. In addition to the fields listed on the W2CIPNOT report, thisreport lists the discrepancy-field value accepted by the NFIP BSAUnderwriting Unit, the Appeal/Response Status, certain actionsthat are now required of the WYO Company, and comments for eachdiscrepancy. Please note that the vintage of the policy datacolumn differs from the report “As of Cycle Date” as explained initem “3. Discrepancy Notification (W2CIPNOT Report and Data)” inSECTION 1 – GENERAL PROCEDURES. The Policy Data is as of thedate indicated on the W2CIPNOT report, when the discrepancy was“Initially” reported. Appendix H H-15 Revision 4 (10/1/01) Change 7 Effective 05/01/05 Appendix H H-16 Revision 4 (10/1/01) Change 7 Effective 05/01/05 Report: W2CIPRES Federal Emergency Management AgencyRun Date: 01/15/2004 National Flood Insurance Program Condominium Inspection Program Appeal/Response Status Report As of Cycle Date 11/30/2004 Vendor Nbr: 00000 Vendor Name: xxxxxxxxxxxx Company Nbr: 00000 Company Name: xxxxxxxxxxxxxxxx Notification Date: 01/01/2005 Initial RequiredPolicyDiscrepancyResponseExpirationPolicyPolicyInspectionAcceptedDate Date Number Field Name Data Data Value 04/01/06 05/01/05 0000012345 Low Floor Elev 12 5.4 12 Map Panel 0000 0003 0003 Map Suffix G F G Obstruction 50 Appeal/ ResponseStatus Favorable Appeal – ProperDocumentation Unfavorable AppealFavorable Appeal – Grandfathered Additional Data Required Page 1 of x CompanyAction Required / Comment No further action required Endorse at Renewal No further action required Additional Proof Required C. HISTORICAL APPEAL/RESPONSE STATUS REPORT (W2CIPHIS) The report contains policies for which a discrepancy was reportedto the WYO Company or vendor via the W2CIPNOT report. This report (W2CIPHIS) is sorted in ascending order by Vendor Number, WYO Company Number, Notification Date, Required Response Date, Policy Expiration Date, and Policy Number. The report lists thestatus of all appeals and responses received by the NFIP BSAUnderwriting Unit. This report is cumulative. In addition to the fields listed on the W2CIPNOT report, this report lists thediscrepancy-field value accepted by the NFIP BSA UnderwritingUnit, the Appeal/Response Status, certain actions that are nowrequired of the WYO Company, and comments for each discrepancy. Please note that the vintage of the policy data column differsfrom the report “As of Cycle Date” as explained in item “3. Discrepancy Notification (W2CIPNOT Report and Data)” in SECTION 1 – GENERAL PROCEDURES. The Policy Data is as of the date indicatedon the W2CIPNOT report, when the discrepancy was “Initially” reported. Appendix H H-17 Revision 4 (10/1/01) Change 7 Effective 05/01/05 Appendix H H-18 Revision 4 (10/1/01) Change 7 Effective 05/01/05 Report: W2CIPHIS Federal Emergency Management AgencyRun Date: 01/15/2004 National Flood Insurance Program Condominium Inspection Program Historical Appeal/Response Status Report As of Cycle Date 11/30/2004 Vendor Nbr: 00000 Vendor Name: xxxxxxxxxxxx Company Nbr: 00000 Company Name: xxxxxxxxxxxxxxxx Notification Date: 01/01/2005 Initial RequiredPolicyDiscrepancyResponseExpirationPolicyPolicyInspectionAcceptedDate Date Number Field Name Data Data Value 04/01/06 05/01/05 0000012345 Low Floor Elev 12 5.4 12 Map Panel 0000 0003 0003 Map Suffix G F G Obstruction 50 AppealStatus Favorable Appeal – ProperDocumentation Unfavorable AppealFavorable Appeal – Grandfathered Additional Data Required Page 1 of x Action Required / Comment No further action required Endorse at Renewal No further action required Additional Proof Required SECTION 3 - DATA RETRIEVAL PROCEDURES A. USING THE FTP SITE The reports and data files are available electronically on theNFIP BSA’s File Transfer Protocol (FTP) site – bureau.nfipstat.com. These reports and data files will beavailable on the FTP site with the normal monthly reports. The WYO Company should download and save these files monthly, so thatthe information will be available as needed. The FTP site is cleared of all reports and files on the 21st of each month. User IDs, passwords, and directory access will be provided to eachWYO Company and vendor that does not already have these. Each WYOCompany will be able to access and read files only from their owndirectories. They will not be able to access, read, or write toother directories. B. INTERNET FTP LOGIN PROCEDURES 1. Activate an Internet account through any preferred InternetService Provider. 2. Key in the following IP name on the address line of theInternet browser, i.e., Internet Explorer, Netscape Navigator, etc., and press the Enter key: ftp://bureau.nfipstat.com 3. The logon screen will appear. Enter your user ID andpassword, and then click the login button. 4. Double click your WYO Company folder to access reports, and onthe “CondoInsp” folder to access data files. C. REPORT FILE DESCRIPTION The WYO Discrepancy Report (W2CIPNOT), Appeal/Response StatusReport (W2CIPRES), and Historical Appeal/Response Status Report(W2CIPHIS) will be located in the “Report” folder on the FTPsite. The reports are in Adobe PDF format, and the file namingconvention is: “rrrrrrrr.RxMMMYY.W2Cccccc.PDF”, where “rrrrrrrr”=report name, “x”=version number, “MMM”=month, Appendix H H-19 Revision 4 (10/1/01) Change 7 Effective 5/1/05 “YY”=year, “ccccc”=WYO Company number. If there is no data for a report for this reporting month, then atext file with the extension “*.NODATA” will replace the “*.PDF” file on the FTP site. The NODATA file will contain the message“No Data this month”. The NODATA file naming convention is: “rrrrrrrr.RxMMMYY.W2Cccccc.PDF”, where “rrrrrrrr”=report name, “x”=version number, “MMM”=month, “YY”=year, “ccccc”=WYO Company number. D. DATA FILE DESCRIPTION The FEMA Elevation Certificate, Flood Zone Determination Form, and photograph documents are provided in a PKWARE PKZip archive(*.zip) file that is located in the “CondoInsp” folder on thebureau.nfipstat.com FTP site. The PKZIP file naming convention is: “W2CIPDOC.COccccc.ZIP”, where “ccccc”=WYO Company/vendor number. A corresponding control file, in text format (*.txt), is alsolocated in the “CondoInsp” folder. This control file indicates the number and type of documents contained in each PKZip archive. The control file naming convention is: “W2CIPDOC.COccccc.TXT”, where “ccccc”=WYO Company/vendor number. The control file contains a message in the format: “Accompanying ZIP has xxx PDF Files, and xxx JPGfiles for WYO Company ccccc”, where: xxx=number of files, “ccccc”=WYO Company/vendor number. The naming convention used for the documents contained in thePKZipped W2CIPDOC archive differs according to document type asfollows: y Elevation Certificate: sscccccppppppppppEC.PDF, where: ss=state abbreviation (ex: MD=Maryland), ccccc=WYO Company/vendor number, pppppppppp=policy number. Appendix H H-20 Revision 4 (10/1/01) Change 7 Effective 5/1/05 y Flood Zone Determination Form: sscccccppppppppppMAP_0.PDF, where: ss=state abbreviation, ccccc=WYO Company/vendor number, pppppppppp=policy number. y Photographs: sscccccpppppppppp_x.JPG, where: ss=state abbreviation, ccccc=WYO Company/vendor number, pppppppppp=policy number, x=photograph number. The approximate size of the PDF document and JPG image files thatwill be extracted from the PKZipped W2CIPDOC archive vary according to document type, as follows: y Elevation Certificate PDF: 140KB to 550KB y Flood Zone Determination Form PDF: 130KB to 1.2MB y Photograph JPG: 115KB to 675KB Appendix H H-21 Revision 4 (10/1/01) Change 7 Effective 5/1/05