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 Change 10.........................May 1, 2008 Change 11.........................May 1, 2008 Change 12.........................May 1, 2008 Change 13.....................October 1, 2009 Change 13.1...................October 1, 2009 Change 13.2...................October 1, 2009 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 overflow3 -Alluvial fan overflow 4 -Accumulation of rainfall or snowmelt 7 -Erosion – demolition (See NOTE below)8 -Erosion – removal (See NOTE below)9 - Earth movement, landslide, land subsidence, sinkholes, etc.A - Closed basin lake B - Expedited claim handling process without site inspectionC – Expedited claim handling process follow-upsite inspectionD - Expedited claim handling process byAdjusting Process Pilot Program NOTE: Due to certain provisions of the Upton-Jones Amendment to the National Flood Insurance Act, cause of loss codes ‘7’ and ‘8’ may be usedonly if the date of loss is prior to September23, 1995. 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 13.2 Effective 10/1/09 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. Preferred Risk Policy (PRP) There are various levels of coverage that may be chosen for aPreferred Risk Policy. The coverage amounts for each option arefixed and cannot vary (with the exception of Other Residentialand Non-residential building/contents coverage combinations) andinclude both building and contents coverage combinations andcontents-only coverage. PRP Residential building coverage amounts: Single Family, 2-4 Family, Other Residential: $20,000 $ 75,000 $150,000 $30,000 $100,000 $200,000 $50,000 $125,000 $250,000 Other Residential building coverage will be allowed for policieseffective on or after May 1, 2008. Part 4 4-199 Revision 4 (10/1/01) Change 10 Effective 5/1/08 DATA ELEMENT: Total Amount of Insurance – Building (Cont’d) DESCRIPTION: (Cont’d.) PRP Non-residential building coverage amounts: Effective on or after May 1, 2004, and prior to May 1, 2008: $ 50,000 $200,000 $350,000 $100,000 $250,000 $400,000 $150,000 $300,000 $500,000 Effective on or after May 1, 2008: $ 50,000 $200,000 $350,000 $500,000 $100,000 $250,000 $400,000 $150,000 $300,000 $450,000 Group Flood Insurance Policy (GFIP) Effective October 1, 2009, the limit of coverage for Group FloodInsurance Policy (GFIP) existing and new policies issued underthe Individual and Households Program (IHP) is $29,900. The limit for the IHP GFIP is $30,300 and applicable to disastersdeclared on or after October 1, 2008. The limit for the IHP GFIP is $28,800 and applicable to disastersdeclared on or after October 1, 2007. The limit for the IHP GFIP is $28,200 and applicable to disastersdeclared on or after October 1, 2006. The limit for the IHP GFIP is $27,200 and applicable to disastersdeclared on or after October 1, 2005. For disasters declared on or after October 1, 2004, throughSeptember 30, 2005, the IHP GFIP limit is $26,200. For disasters declared on or after October 1, 2003, throughSeptember 30, 2004, the IHP GFIP limit is $25,600. For disasters declared on or after October 15, 2002, throughSeptember 30, 2003, the IHP GFIP limit is $25,000. Under the Individual and Family Grant (IFG) program, which endedOctober 14, 2002, the limit is $15,800 and applicable todisasters declared on or after October 1, 2004, through September30, 2005. For disasters declared on or after October 1, 2003, throughSeptember 30, 2004, the IFG GFIP limit is $15,300. For disasters declared on or after October 1, 2002, throughSeptember 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 additional coverages. SYSTEM FUNCTION: Premium Computation Insurance to Value Analysis REPORTING REQUIREMENT: Required Part 4 4-200 Revision 4 (10/1/01) Change 13.2 Effective 10/1/09 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 Preferred Risk Policy (PRP) There are various levels of coverage that may be chosen for aPreferred Risk Policy (PRP). The coverage amounts for eachoption are fixed and cannot vary (with the exception of OtherResidential and Non-residential building/contents coveragecombinations) and include both building and contents coveragecombinations and contents-only coverage. Effective May 1, 2004,contents-only coverage will be available for PRP policies.Contents-only policies are not available for contents located inbasement only. Individual residential condominium unit owners in non-residential condominium buildings are only eligible forcontents coverage. PRP Residential contents coverage amounts: Effective 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 Effective on or after May 1, 2004 (Single Family, 2-4 Family,Other Residential): $ 8,000 $30,000 $ 60,000 $12,000 $40,000 $ 80,000 $20,000 $50,000 $100,000 Part 4 4-201 Revision 4 (10/1/01) Change 10 Effective 5/1/08 DATA ELEMENT: Total Amount of Insurance – Contents (Cont’d) DESCRIPTION: (Cont’d) PRP Non-residential contents coverage amounts: Effective on or after May 1, 2004, and prior to May 1, 2008: $ 50,000 $200,000 $350,000 $100,000 $250,000 $400,000 $150,000 $300,000 $500,000 Effective on or after May 1, 2008: $ 50,000 $200,000 $350,000 $500,000$100,000 $250,000 $400,000$150,000 $300,000 $450,000 Group Flood Insurance Policy (GFIP) Effective October 1, 2009, the limit of coverage for Group FloodInsurance Policy (GFIP) existing and new policies issued underthe Individual and Households Program (IHP) is $29,900. Building and contents coverage is available for building ownersand contents-only coverage is available for renters. EDIT CRITERIA: Positive numeric in hundreds of dollars; cannotexceed 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 13.2 Effective 10/1/09 REGULAR/EMERGENCY PROGRAM INDICATOR DESCRIPTION CODE Emergency Program E Regular Program R REPETITIVE LOSS TARGET GROUP INDICATOR DESCRIPTION CODE Repetitive Loss Target Group Policy Y Not a Repetitive Loss Target Group Policy N or Blank REPLACEMENT COST INDICATOR DESCRIPTION CODE Replacement Cost BasisActual Cash Value Basis R A RISK RATING METHOD DESCRIPTION CODE Manual 1 SpecificAlternative 2 3 V-Zone Risk Factor Rating FormUnderinsured Condominium Master PolicyProvisional 4 5 6 Preferred Risk PolicyTentative 7 8 MPPP PolicyOptional Post-1981 V ZoneLeased Federal PropertiesGroup Flood Insurance PolicyFEMA Special RatesSevere Repetitive Loss Properties 9 A F G S T SPECIAL EXPENSE TYPE DESCRIPTION CODE Engineering expenseCost to establish coverage or property valueLegal expenseCost of appraisal 1 2 3 4 STATE-OWNED PROPERTY DESCRIPTION CODE State-Owned Y Not State-Owned N Part 5 5-15 Revision 4 (10/1/01) Change 13.2 Effective 10/1/09 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 More than $20,000 6 VALUE OF CONTENTS 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 More than $20,000 6 Part 5 5-16 Revision 4 (10/1/01) Change 13 Effective 10/1/09