Hours 3

AL-National Flood Insurance Course

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Lessons

AL-National Flood Insurance Course Chapter 2

Utilize Loss Control Measures There are various measures that homeowners or business owners can take to protect their homes and businesses from flood, including the following. Elevate the structure Relocate…

AL-National Flood Insurance Course Chapter 3

Write-Your-Own (“WYO”) Program NFIP flood policies can be issued directly by the NFIP or by a private insurer that participates in NFIP’s Write-Your-Own (WYO) program. Write-Your-Own participating insurers write the…

AL-National Flood Insurance Course Chapter 4

Eligible Structures There are numerous structures that are considered eligible buildings including: Appurtenant structures—detached garages at the described location that are covered under a fire policy. The policy does not…

AL-National Flood Insurance Course Chapter 6

Eligibility Rules for Standard National Flood (“NFIP”) Forms The standard flood insurance policy consists of three separate forms: Dwelling form General property form Residential condominium building association policy (RCBAP) Dwelling…

AL-National Flood Insurance Course Chapter 7

General Application Procedures The NFIP Flood Insurance Application form, or a similar form for Write-Your-Own (WYO) insurers, must be used for all flood insurance policies except the PRP. The NFIP’s…

AL-National Flood Insurance Course Chapter 8

Statutory Coverage Limits Maximum flood insurance limits are based on the type of program, whether the property is residential or nonresidential, the size of the residential property (e.g., one-family dwelling…

AL-National Flood Insurance Course Chapter 9

Covered Building Property (Coverage A)        Flood insurance coverage is limited in areas below the lowest elevated floor (including crawlspaces) depending on the flood zone and date of construction and in…

AL-National Flood Insurance Course Chapter 10

What is not insured by either Building Property or Personal Property Coverage? Paneling, bookcases, and window treatments such as curtains and blinds. Carpeting, area carpets, and other floor coverings such…

AL-National Flood Insurance Course Chapter 13

Flood Insurance Claims Handbook The Flood Insurance Claims Handbook was created by FEMA to help insured’s with the claims adjusting process. It includes three key sections, including the following. What…