U.S. Department of Homeland Security 
500 C Street, SW Washington, DC 20472 

W-10015 
March 3, 2010 
MEMORANDUM FOR: Write Your Own (WYO) Principal Coordinators 
National Flood Insurance Program (NFIP) Servicing Agent 

FROM: Dennis Kuhns 
Division Director 
Risk Insurance Division 

SUBJECT: NFIP Reauthorization until March 28, 2010 

On March 2, 2010, Congress passed and the President signed H.R. 4691, which extends the NFIP through March 28, 2010. The extension was not made retroactive at this time; however, Congress is considering legislation that would make it retroactive. 
Because the extension only lasts until March 28, 2010, you are to be guided by Bulletin W-09068, issued October 27, 2009, and titled “Recommendations/Guidance for Possible NFIP Authority Lapse and Hiatus” available at: 
http://www.nfipiservice.com/stakeholderpdf/bulletin/w-09068.pdf 
Attached is additional guidance that may be useful to you in processing policies affected by the recent 2-day hiatus (March 1-2, 2010) during which the NFIP was not authorized. 

cc: Vendors, IBHS, FIPNC, Government Technical Representative 

Suggested Routing: All Departments 

Attachment 

www.fema.gov 

Guidance for Policy Processing Following the Hiatus 
New Policies 
No Waiting Period New policies not requiring a waiting period cannot be issued with an effective date of March 1, 2010, or March 2, 2010. All new policies not requiring a waiting period, which would have been issued with either a March 1, 2010, or March 2, 2010, effective date, are to be issued with an effective date of March 3, 2010 (the date of Program reauthorization). 
30-day Waiting Period New policies requiring a 30-day waiting period can be issued with an effective date of March 1, 2010, or March 2, 2010, provided the application and premium payment were made prior to March 1, 2010, and were received within 10 days from the date of application. 
For applications for policies requiring a 30-day waiting period that are dated on March 1, 2010, or March 
2, 2010, the waiting period is to be calculated from March 3, 2010. 

1-day Waiting Period 
New policies requiring a 1-day waiting period can be issued with an effective date of March 1, 2010 (but 
not March 2, 2010), provided the application and premium payment were made prior to March 1, 2010, 
and were received within 10 days from the date of application. 

For applications for policies requiring a 1-day waiting period that are dated March 1, 2010, or March 2, 2010, the waiting period is to be calculated from March 3, 2010. 
Added Coverage Endorsements 
No Waiting Period Coverage increases or additions not requiring a waiting period cannot be issued with an effective date of March 1, 2010, or March 2, 2010. All added coverage endorsements where a waiting period does not apply, that would have been issued with a March 1, 2010, or March 2, 2010, effective date, are to be issued with an effective date of March 3, 2010. 
30-day Waiting Period Coverage increases or additions requiring a 30-day waiting period can be issued with an effective date of March 1, 2010, or March 2, 2010, provided the endorsement request and premium payment were made prior to March 1, 2010, and were received within 10 days from the date of the endorsement request. 
For endorsements requiring a 30-day waiting period that are dated on March 1, 2010, or March 2, 2010, the waiting period is to be calculated from March 3, 2010. 
Renewals 

Renewal polices renewing without a lapse in coverage may be issued with an effective date of March 1, 2010, or March 2, 2010. 
Policies renewing after a lapse in coverage (because the renewal premium was not received by the end of the 30-day grace period) that would have had an effective date of March 1, 2010, or March 2, 2010, are to be issued with an effective date of March 3, 2010. 
If a renewal premium was received on March 1, 2010, or March 2, 2010, where this date is after the end of the 30-day grace period, the 30-day waiting period is to be calculated from March 3, 2010.