U.S. Department of Homeland Security 500 C Street, SW Washington, DC 20472 W-09066 October 19, 2009 MEMORANDUM FOR: Write Your Own (WYO) Principal Coordinators and NFIP Servicing Agent FROM: Branch Chief, Underwriting Risk Insurance Division SUBJECT: October 2009 Edit Specifications (Change 6.1) and TRRP Plan Revisions (Change 13.2) The purpose of this memorandum is to provide notification of further changes to the October 2009 NFIP Transaction Record Reporting and Processing (TRRP) Plan and Edit Specifications, identified for specific data elements, based on inquiries received from WYO companies and vendors. The additional Edit Specifications and TRRP Plan changes should replace or be included with those October 2009 changes identified in the following bulletins: WYO Clearinghouse Bulletin W-09043 – October 2009 TRRP Changes (Change 13), dated August 5, 2009. WYO Clearinghouse Bulletin W-09051 – October 2009 Edit Specifications (Change 6) and TRRP Plan Revisions (Change 13.1), dated September 16, 2009. After further consideration, FEMA has determined that the TRRP header, financial reconciliation, and trailer records will not be included with the submission of TRRP transaction files, beginning with the October 2009 WYO cycle. The record layouts for the TRRP header, financial reconciliation, and trailer records will remain in the TRRP Plan (Part 6), but will not be used for any TRRP submissions until further notice. In regard to edit PL037030 (Floodproofed Indicator), WYO companies and vendors will be required to set up their own data file with the Residential Basement Floodproofing Rating Credit information provided in the Flood Insurance Manual, Special Certifications section (pages CERT 5 and CERT 6), in order to verify floodproofing eligibility. Please see the attached Edit Specifications and TRRP Plan summaries for more details of the latest changes. If you have any questions, please contact your WYO Business Analyst. Attachments cc: Vendors, IBHS, FIPNC, Government Technical Representative Suggested Routing: Data Processing, Underwriting, Marketing www.fema.gov A summary of the October 2009 Edit Specifications updates (Change 6.1) is as follows: Error code CI070020 included in New and Revised Edits section Part 1 (1.2) -Instructions Part 2 - PL024030: Edits Dictionary - CI070020: - PI016020: - PL029050: - PL029060: - - PL030040: - PL030060: - - PL037030: - PL033030: - PL041060: -- PL038075: - PL039055: - Basement/Enclosure/Crawlspace Type changed ‘original new business date’ to ‘policy effective date’ Cause of Loss added text regarding codes ‘7’ and ‘8’ Coverage Required for Disaster Assistance changed ‘policy effective date’ to ‘original new business date’ Deductible – Building changed ‘original new business date’ to ‘policy effective date’ Deductible – Building removed reference of deductible code ‘1’ for pre-firm rated policies with effective dates on or after 10/1/09 removed reference of deductible code ‘0’ for pre-firm rated policies with effective dates from 5/1/98 to 9/30/09 Deductible – Contents changed ‘original new business date’ to ‘policy effective date’ Deductible – Contents removed reference of deductible code ‘1’ for pre-firm rated policies with effective dates on or after 10/10/09 removed reference of deductible code ‘0’ for pre-firm rated policies with effective dates from 5/1/98 to 9/30/09 Floodproofed Indicator added text regarding the location of the community effective date and community rescission date Location of Contents Code removed second paragraph Risk Rating Method changed ‘original new business date’ to ‘policy effective date’ removed references of zones ‘AR’, ‘ARE’, ‘ARA’, ‘ARH’, and ‘ARO’ Total Amount of Insurance – Building added new building coverage amount 299 ($29,900), effective 10/1/09 Total Amount of Insurance - Contents added new contents coverage amount 299 ($29,900), effective 10/1/09 NATIONAL FLOOD INSURANCE PROGRAM EDIT SPECIFICATIONS FOR THE WRITE-YOUR-OWN PROGRAM MAY 1, 2004 REVISION 8 ............................. MAY 1, 2004 CHANGE 6 ......................... OCTOBER 1, 2009 CHANGE 6.1 ....................... OCTOBER 1, 2009 CHANGE 1 ............................. MAY 1, 2005 CHANGE 2 ......................... OCTOBER 1, 2005 CHANGE 3 ............................. MAY 1, 2006 CHANGE 4 ............................. MAY 1, 2008 CHANGE 5 (REVISED).................... MAY 1, 2008 BLANK PAGE NEW AND REVISED EDITS EFFECTIVE OCTOBER 1, 2009 BASE FLOOD ELEVATION (RATING MAP INFORMATION) BASEMENT/ENCLOSURE/CRAWLSPACE TYPE BUILDING CONSTRUCTION DATE TYPE BUILDING OVER WATER TYPE BUILDING USE TYPE CAUSE OF LOSS COMMUNITY IDENTIFICATION NUMBER (RATING MAP INFORMATION) CONDOMINIUM FORM OF OWNERSHIP INDICATOR COVERAGE REQUIRED FOR DISASTER ASSISTANCE CURRENT MAP INFO – BASE FLOOD ELEVATION CURRENT MAP INFO – COMMUNITY IDENTIFICATION NUMBER CURRENT MAP INFO – FLOOD RISK ZONE CURRENT MAP INFO – MAP PANEL NUMBER CURRENT MAP INFO – MAP PANEL SUFFIX CURRENT MAP INFO – PRIOR POLICY NUMBER DEDUCTIBLE – APPLICABLE TO BUILDING CLAIM PAYMENT DEDUCTIBLE – APPLICABLE TO CONTENTS CLAIM PAYMENT ORDER ERROR CODE 10 PU049010 20 PI049020 30 PL049030 40 PL049040 50 PU049050 20 PI024020 30 PL024030 10 PL298010 10 PL201010 20 PL201020 10 PL202010 20 CI070020 10 PU017010 20 PL017020 30 PL017030 40 PL017040 50 PL017050 60 PL017060 70 PL017070 80 PL017080 100 PL017100 110 PL017110 10 PL218010 20 PI016020 10 PI216010 20 PL216020 30 PL216030 40 PL216040 10 PL223010 20 PL223020 10 PL215010 20 PL215020 30 PL215030 10 PL220010 20 PL220020 10 PL221010 20 PL221020 30 PL221030 10 PL222010 20 PL222020 10 CI095020 10 CI096020 NEW AND REVISED EDITS EFFECTIVE OCTOBER 1, 2009 DEDUCTIBLE – BUILDING DEDUCTIBLE – CONTENTS DIAGRAM NUMBER ELEVATION DIFFERENCE FLOODPROOFED INDICATOR FLOOD RISK ZONE (RATING MAP INFORMATION) GRANDFATHERING TYPE CODE LOCATION OF CONTENTS CODE LOWEST FLOOR ELEVATION MAP PANEL NUMBER (RATING MAP INFORMATION) MAP PANEL SUFFIX (RATING MAP INFORMATION) NUMBER OF FLOORS/BUILDING TYPE (INCLUDING BASEMENT) OBSTRUCTION TYPE POLICY NUMBER RISK RATING METHOD TOTAL AMOUNT OF INSURANCE - BUILDING TOTAL AMOUNT OF INSURANCE - CONTENTS ORDER ERROR CODE 40 PL029040 50 PL029050 60 PL029060 30 PL030030 40 PL030040 60 PL030060 10 PU160010 30 PL036030 40 PL036040 30 PL037030 20 PL021020 30 PL021030 40 PL021040 50 PL021050 60 PL021060 65 PL021065 70 PL021070 80 PL021080 10 PI214010 20 PL214020 30 PL214030 40 PL214040 30 PL033030 40 PL048040 10 PU018010 20 PL018020 30 PL018030 40 PL018040 30 PL019030 30 PL023030 30 PL032030 40 PL032040 85 PL004085 40 PL041040 50 PL041050 60 PL041060 80 PL041080 75 PL038075 55 PL039055 EDIT DICTIONARY DATA ELEMENT: BASEMENT/ENCLOSURE/CRAWLSPACE TYPE EDIT CRITERIA -------------ORDER: 20 | EFFECTIVE: 10/01/1984 REVISED: 10/01/2009 CANCELLED: EDIT LEVEL: EDIT PROCESSOR PROGRAM EDIT TYPE: INFORMATIONAL ERROR CODE: PI024020 ERROR TYPE: CRITICAL ERROR MESSAGE: BASEMENT/ENCLOSURE/CRAWLSPACE TYPE IS NOT A VALID CODE. FAIL EDIT UPDATE ACTION: UPDATE DESCRIPTION: MUST BE A VALID CODE AS DESCRIBED IN THE WYO TRRP PLAN | VALID CODES ARE 0, 1, 2, 3, OR 4. EDIT DICTIONARY DATA ELEMENT: BASEMENT/ENCLOSURE/CRAWLSPACE TYPE EDIT CRITERIA ------------- ORDER: 30 | EFFECTIVE: 10/01/1984 REVISED: 10/01/2009 CANCELLED: EDIT LEVEL: EDIT PROCESSOR PROGRAM EDIT TYPE: INFORMATIONAL ERROR CODE: PL024030 ERROR TYPE: CRITICAL ERROR MESSAGE: BASEMENT/ENCLOSURE/CRAWLSPACE TYPE DOES NOT CORRESPOND WITHTHE ELEVATED BUILDING AND THE OBSTRUCTION TYPE. FAIL EDIT UPDATE ACTION: UPDATE DESCRIPTION: IF ELEVATED BUILDING INDICATOR IS 'Y' AND | OBSTRUCTION TYPE IS '10', ‘15’, OR '40',THEN BASEMENT/ENCLOSURE/CRAWLSPACE MUST BE '0'. | IF ELEVATED BUILDING INDICATOR IS 'Y' AND | OBSTRUCTION TYPE IS '50', '54', OR ‘60’ AND| POLICY EFFECTIVE DATE IS PRIOR TO 10/1/2009,| THEN BASEMENT/ENCLOSURE/CRAWLSPACE MUST BE '1' OR ‘2’. | IF ELEVATED BUILDING INDICATOR IS 'Y' AND | OBSTRUCTION TYPE IS ‘50’, ‘54’, OR '60' AND| POLICY EFFECTIVE DATE IS ON OR AFTER 10/1/2009,| THEN BASEMENT/ENCLOSURE/CRAWLSPACE MUST BE '1', ‘2’, OR ‘3’. | IF ELEVATED BUILDING INDICATOR IS 'Y' AND | OBSTRUCTION TYPE IS '20', ‘24’, ‘30’, OR '34',| THEN BASEMENT/ENCLOSURE/CRAWLSPACE MUST BE '1' OR ‘2’. IF ELEVATED BUILDING INDICATOR IS 'N' AND | OBSTRUCTION TYPE IS '70' OR '80' AND POLICY EFFECTIVE DATE IS PRIOR TO 10/1/2009,THEN BASEMENT/ENCLOSURE/CRAWLSPACE MUST BE '2'. | IF ELEVATED BUILDING INDICATOR IS 'N' AND | OBSTRUCTION TYPE IS '70' OR '80' AND | POLICY EFFECTIVE DATE IS ON OR AFTER 10/1/2009,| THEN BASEMENT/ENCLOSURE/CRAWLSPACE MUST BE '4'. IF ELEVATED BUILDING INDICATOR IS 'N' AND OBSTRUCTION TYPE IS 'BLANK',| THEN BASEMENT/ENCLOSURE/CRAWLSPACE MUST BE ‘0’, ‘1’, ‘2’, ‘3’ or ‘4’. EDIT CRITERIA -------------ORDER: 20 | EFFECTIVE: 10/01/1984 REVISED: 10/01/2009 CANCELLED: EDIT LEVEL: EDIT PART I PROGRAM EDIT TYPE: INFORMATIONAL ERROR CODE: CI070020 ERROR TYPE: CRITICAL ERROR MESSAGE: CAUSE OF LOSS IS NOT A VALID CODE. FAIL EDIT UPDATE ACTION: UPDATE DESCRIPTION: MUST BE A VALID CODE AS DESCRIBED IN THE WYO TRRP PLAN | VALID CODES ARE 0, 1, 2, 3, 4, 7, 8, 9, A, B, C, D. | IF THE CAUSE OF LOSS IS ‘7’ OR ‘8’, THE DATE OF LOSS MUST BE PRIOR TO| 09/23/1995 (UPTON-JONES AMENDMENT). EDIT DICTIONARY DATA ELEMENT: CAUSE OF LOSS EDIT CRITERIA ------------- ORDER: 30 EFFECTIVE: 10/01/2005 REVISED: CANCELLED: EDIT LEVEL: EDIT PART I PROGRAM EDIT TYPE: RELATIONAL ERROR CODE: CL070030 ERROR TYPE: CRITICAL ERROR MESSAGE: THE LOSS IS NOT ELIGIBLE TO USE THE SPECIAL CAUSE OF LOSS CODES. FAIL EDIT UPDATE ACTION: UPDATE DESCRIPTION: IF THE CAUSE OF LOSS IS 'B', 'C' OR 'D' AND THE REPORTED DATE OF LOSS AND PROPERTY STATE DO NOT COMPLY WITH ANY OF THE THREE (3) GROUPS OF ELIGIBILITY, THE LOSS WILL BE IN ERROR. THE 3 GROUPS OF ELIGIBILITY ARE: 1. DATE OF LOSS IS ON OR AFTER 08/24/2005 AND THE PROPERTY STATE IS FLORIDA 2. DATE OF LOSS IS ON OR AFTER 08/29/2005 AND THE PROPERTY STATE IS LOUISIANA, ALABAMA OR MISSISSIPPI 3. DATE OF LOSS IS ON OR AFTER 09/23/2005 AND THE PROPERTY STATE IS LOUISIANA OR TEXAS EDIT CRITERIA -------------ORDER: 20 | EFFECTIVE: 10/01/1984 REVISED: 10/01/2009 CANCELLED: EDIT LEVEL: EDIT PROCESSOR PROGRAM EDIT TYPE: INFORMATIONAL ERROR CODE: PI016020 ERROR TYPE: CRITICAL ERROR MESSAGE: COVERAGE REQUIRED FOR DISASTER ASSISTANCE IS NOT A VALIDCODE. FAIL EDIT UPDATE ACTION: UPDATE DESCRIPTION: MUST BE A VALID CODE AS DESCRIBED IN THE WYO TRRP PLAN | IF ORIGINAL NEW BUSINESS DATE IS PRIOR TO 10/01/2009, | VALID CODES ARE 0, 1, 2, 3, 4, OR 5. | | IF ORIGINAL NEW BUSINESS DATE IS ON OR AFTER 10/01/2009, | VALID CODES ARE 0, 1, 2, 3, OR 5. BASIC INFORMATION ----------------- FILE: POLICY STATUS: REQUIRED ALIAS: FIELD NAME: CRS_CREDIT UPDATE: REPLACEMENT FORMAT: TWO (2) DIGIT NUMBER EDIT CRITERIA ------------- ORDER: 10 EFFECTIVE: 10/01/1991 REVISED: CANCELLED: EDIT LEVEL: REFORMAT/PRE-PROCESSER PROGRAM EDIT TYPE: INFORMATIONAL ERROR CODE: PU139010 ERROR TYPE: CRITICAL ERROR MESSAGE: CRS CLASSIFICATION CREDIT PERCENTAGE MUST BE NUMERIC. FAIL EDIT UPDATE ACTION: UPDATE DESCRIPTION: CRS CLASSIFICATION CREDIT PERCENTAGE MUST BE NUMERIC. EDIT CRITERIA -------------ORDER: 50 | EFFECTIVE: 01/01/1989 REVISED: 10/01/2009 CANCELLED: EDIT LEVEL: EDIT PROCESSOR PROGRAM EDIT TYPE: RELATIONAL ERROR CODE: PL029050 ERROR TYPE: CRITICAL ERROR MESSAGE: DEDUCTIBLE - BUILDING IS INVALID FOR PREFERRED RISK POLICY. FAIL EDIT UPDATE ACTION: UPDATE DESCRIPTION: | IF POLICY EFFECTIVE DATE IS PRIOR TO 10/1/2009 AND| RISK RATING METHOD IS '7', MUST BE '0' (DEFAULT VALUE).|| IF POLICY EFFECTIVE DATE IS ON OR AFTER 10/1/2009 AND| RISK RATING METHOD IS '7', MUST BE '1' (DEFAULT VALUE). EDIT CRITERIA ------------- ORDER: 60 | EFFECTIVE: 10/01/1992 REVISED: 10/01/2009 CANCELLED: EDIT LEVEL: POST RATING PROGRAM EDIT TYPE: RELATIONAL ERROR CODE: PL029060 ERROR TYPE: CRITICAL ERROR MESSAGE: DEDUCTIBLE - BUILDING DOES NOT HAVE THE CORRECT STANDARD DEDUCTIBLE. FAIL EDIT UPDATE ACTION: UPDATE DESCRIPTION: IF THE POLICY EFFECTIVE DATE IS PRIOR TO 05/01/1998: IF (THE RISK RATING METHOD IS '3' AND THE POLICY EFFECTIVEDATE IS GREATER THAN OR EQUAL TO FEBRUARY 1, 1993) OR ( THERISK RATING METHOD IS NOT '3' AND THE POLICY EFFECTIVE DATE IS GREATER THAN OR EQUAL TO OCTOBER 1, 1992), THEN IFTHE RATES SELECTED ARE PRE-FIRM RATES, AND THE FLOOD RISKZONE IS NOT B, C, X, D, AOB, AHB, OR A99, CANNOT BE ‘0’. | IF POLICY EFFECTIVE DATE IS ON OR AFTER 05/01/1998 AND PRIOR TO 10/1/2009 AND| THE RATES SELECTED ARE PRE-FIRM RATES, AND THE FLOOD RISK| ZONE IS NOT B, C, X, D, AOB, AHB, OR A99, CANNOT BE ‘9’.||| IF POLICY EFFECTIVE DATE IS ON OR AFTER 10/1/2009 AND| THE RATES SELECTED ARE PRE-FIRM RATES, AND THE FLOOD RISK| ZONE IS NOT B, C, X, D, AOB, AHB, OR A99, CANNOT BE ‘0’ OR ‘9’.||| FOR ALL OTHER POLICIES THAT DO NOT MEET THE CRITERIA STATED ABOVE: || IF POLICY EFFECTIVE DATE IS ON OR AFTER 05/01/1998 AND PRIOR TO 10/1/2009,| CANNOT BE ‘9’. || IF POLICY EFFECTIVE DATE IS ON OR AFTER 10/1/2009, CANNOT BE ‘0’ OR ‘9’. EDIT CRITERIA -------------ORDER: 40 | EFFECTIVE: 01/01/1989 REVISED: 10/01/2009 CANCELLED: EDIT LEVEL: EDIT PROCESSOR PROGRAM EDIT TYPE: RELATIONAL ERROR CODE: PL030040 ERROR TYPE: CRITICAL ERROR MESSAGE: DEDUCTIBLE - CONTENTS IS INVALID FOR PREFERRED RISK POLICY. FAIL EDIT UPDATE ACTION: UPDATE DESCRIPTION: | IF POLICY EFFECTIVE DATE IS PRIOR TO 10/1/2009 AND| RISK RATING METHOD IS '7', MUST BE '0' (DEFAULT VALUE).|| IF POLICY EFFECTIVE DATE IS ON OR AFTER 10/1/2009 AND| RISK RATING METHOD IS '7', MUST BE '1' (DEFAULT VALUE). DATA ELEMENT: DEDUCTIBLE - CONTENTS EDIT CRITERIA ------------- ORDER: 60 | EFFECTIVE: 10/01/1992 REVISED: 10/01/2009 CANCELLED: EDIT LEVEL: POST RATING PROGRAM EDIT TYPE: RELATIONAL ERROR CODE: PL030060 ERROR TYPE: CRITICAL ERROR MESSAGE: DEDUCTIBLE - CONTENTS DOES NOT HAVE THE CORRECT STANDARD DEDUCTIBLE. FAIL EDIT UPDATE ACTION: UPDATE DESCRIPTION: IF THE POLICY EFFECTIVE DATE IS PRIOR TO 05/01/1998: IF (THE RISK RATING METHOD IS '3' AND THE POLICY EFFECTIVEDATE IS GREATER THAN OR EQUAL TO FEBRUARY 1, 1993) OR ( THERISK RATING METHOD IS NOT '3' AND THE POLICY EFFECTIVE DATE IS GREATER THAN OR EQUAL TO OCTOBER 1, 1992), THEN IFTHE RATES SELECTED ARE PRE-FIRM RATES, AND THE FLOOD RISKZONE IS NOT B, C, X, D, AOB, AHB, OR A99, CANNOT BE ‘0’. | IF POLICY EFFECTIVE DATE IS ON OR AFTER 05/01/1998 AND PRIOR TO 10/1/2009 AND| THE RATES SELECTED ARE PRE-FIRM RATES, AND THE FLOOD RISK| ZONE IS NOT B, C, X, D, AOB, AHB, OR A99, CANNOT BE ‘9’.||| IF POLICY EFFECTIVE DATE IS ON OR AFTER 10/1/2009 AND| THE RATES SELECTED ARE PRE-FIRM RATES, AND THE FLOOD RISK| ZONE IS NOT B, C, X, D, AOB, AHB, OR A99, CANNOT BE ‘0’ OR ‘9’.||| FOR ALL OTHER POLICIES THAT DO NOT MEET THE CRITERIA STATED ABOVE: || IF POLICY EFFECTIVE DATE IS ON OR AFTER 05/01/1998 AND PRIOR TO 10/1/2009,| CANNOT BE ‘9’. || IF POLICY EFFECTIVE DATE IS ON OR AFTER 10/1/2009, CANNOT BE ‘0’ OR ‘9’. DATA ELEMENT: FLOODPROOFED INDICATOR EDIT CRITERIA ------------- ORDER: 30 | EFFECTIVE: 10/01/1984 REVISED: 10/01/2009 CANCELLED: EDIT LEVEL: EDIT PROCESSOR PROGRAM EDIT TYPE: RELATIONAL ERROR CODE: PL037030 ERROR TYPE: CRITICAL ERROR MESSAGE: RESIDENTIAL FLOODPROOFING IS NOT ELIGIBLE FOR RATE CREDIT IN COMMUNITY IN WHICH THIS PROPERTY IS LOCATED. FAIL EDIT UPDATE ACTION: UPDATE DESCRIPTION: | THE FLOODPROOFED INDICATOR MUST BE ‘N’ IF ANY OF THE FOLLOWING CONDITIONS OCCUR: || IF ORIGINAL NEW BUSINESS DATE IS ON OR AFTER 10/1/2009 AND| OCCUPANCY TYPE IS ‘1’, ‘2’, OR ‘3’ AND | BASEMENT/ENCLOSURE/CRAWLSPACE IS ‘0’, ‘3’, OR ‘4’ AND | COMMUNITY FLOODPROOFING ELIGIBILITY TYPE IS ‘A’, ‘B’, ‘C’ OR BLANK.|| IF ORIGINAL NEW BUSINESS DATE IS ON OR AFTER 10/1/2009 AND| OCCUPANCY TYPE IS ‘1’, ‘2’, OR ‘3’ AND | BASEMENT/ENCLOSURE/CRAWLSPACE IS ‘1’ OR ‘2’ AND | COMMUNITY FLOODPROOFING ELIGIBILITY TYPE IS ‘A’ OR BLANK. || IF ORIGINAL NEW BUSINESS DATE IS ON OR AFTER 10/1/2009 AND| OCCUPANCY TYPE IS ‘1’, ‘2’, OR ‘3’ AND | BASEMENT/ENCLOSURE/CRAWLSPACE IS ‘1’ OR ‘2’ AND | COMMUNITY FLOODPROOFING ELIGIBILITY TYPE IS ‘C’ AND | ORIGINAL CONSTRUCTION DATE IS PRIOR TO THE COMMUNITY EFFECTIVE DATE –OR- AFTER THE | COMMUNITY RESCISSION DATE. (SEE NOTE)|| IF ORIGINAL NEW BUSINESS DATE IS PRIOR TO 10/1/2009 AND | COMMUNITY FLOODPROOFING ELIGIBILITY TYPE IS NOT ‘B’ AND | OCCUPANCY TYPE IS NOT ‘4’. | NOTE: THE COMMUNITY EFFECTIVE DATE AND THE COMMUNITY RESCISSION DATE REFERENCED | FOR RESIDENTIAL BASEMENT FLOODPROOFING ELIGIBILITY TYPE ‘C’ ARE NOT LOCATED | ON THE COMMUNITY MASTER FILE. THESE DATES SHOULD BE OBTAINED FROM THE NFIP | FLOOD INSURANCE MANUAL (SPECIAL CERTIFICATIONS SECTION – PAGES CERT 5 AND| CERT 6). . DATA ELEMENT: FLOODPROOFED INDICATOR EDIT CRITERIA ------------- ORDER: 40 EFFECTIVE: 01/01/1989 REVISED: CANCELLED: EDIT LEVEL: EDIT PROCESSOR PROGRAM EDIT TYPE: RELATIONAL ERROR CODE: PL037040 ERROR TYPE: CRITICAL ERROR MESSAGE: FLOODPROOFED INDICATOR MUST BE 'N' (DEFAULT VALUE) FOR APREFERRED RISK POLICY. FAIL EDIT UPDATE ACTION: UPDATE DESCRIPTION: IF RISK RATING METHOD IS '7', FLOODPROOFED INDICATOR MUST BE 'N' (DEFAULT VALUE). EDIT DICTIONARY EDIT CRITERIA -------------ORDER: 30 | EFFECTIVE: 10/01/1984 REVISED: 10/01/2009 CANCELLED: EDIT LEVEL: EDIT PROCESSOR PROGRAM EDIT TYPE: RELATIONAL ERROR CODE: PL033030 ERROR TYPE: CRITICAL ERROR MESSAGE: LOCATION OF CONTENTS DOES NOT CORRESPOND WITH THE BASEMENT/ENCLOSURE/CRAWLSPACE TYPE. FAIL EDIT UPDATE ACTION: UPDATE DESCRIPTION: | IF BASEMENT/ENCLOSURE/CRAWLSPACE TYPE IS '0',| LOCATION OF CONTENTS MAY NOT BE '1' OR '2'. EDIT CRITERIA ------------- ORDER: 40 EFFECTIVE: 10/01/1984 REVISED: 12/01/1984 CANCELLED: EDIT LEVEL: EDIT PROCESSOR PROGRAM EDIT TYPE: RELATIONAL ERROR CODE: PL033040 ERROR TYPE: CRITICAL ERROR MESSAGE: LOCATION OF CONTENTS DOES NOT CORRESPOND WITH THE BUILDING TYPE. FAIL EDIT UPDATE ACTION: UPDATE DESCRIPTION: IF NUMBER OF FLOORS/ BUILDING TYPE IS '1', MAY NOT BE '2', '4', '5', OR '6'. IF NUMBER OF FLOORS/ BUILDING TYPE IS '5' AND TOTAL AMOUNTOF INSURANCE - CONTENTS IS NOT EQUAL TO ZERO, MUST BE '6'. DATA ELEMENT: RISK RATING METHOD EDIT CRITERIA ------------- ORDER: 60 | EFFECTIVE: 10/01/1984 REVISED: 10/01/2009 CANCELLED: EDIT LEVEL: EDIT PROCESSOR PROGRAM EDIT TYPE: RELATIONAL ERROR CODE: PL041060 ERROR TYPE: CRITICAL ERROR MESSAGE: RISK RATING METHOD IS NOT VALID FOR THIS POLICY. FAIL EDIT UPDATE ACTION: UPDATE DESCRIPTION: THE RISK RATING METHOD MUST BE '2' OR 'S' IF THE FOLLOWING IS TRUE: A. POST-FIRM CONSTRUCTION INDICATOR = 'Y' 1. FLOOD RISK ZONE = 'D' AND | BASEMENT/ENCLOSURE/CRAWLSPACE TYPE NOT EQUAL TO '0' AND| POLICY EFFECTIVE DATE IS PRIOR TO 10/1/2009. 2. FLOOD RISK ZONE = 'AO ', 'AH ', 'AOB' OR 'AHB' ANDBASEMENT/ENCLOSURE/CRAWLSPACE TYPE NOT EQUAL TO '0'. | 3. FLOOD RISK ZONE = 'A01' - 'A30', OR 'AE ', | ELEVATION DIFFERENCE OF '-1' OR LESS, AND BUILDING TYPE = ‘5’. | 4. FLOOD RISK ZONE = 'A01' - 'A30', OR 'AE ', | ELEVATION DIFFERENCE OF '-2' OR LESS, AND BUILDING TYPE NOT EQUAL ‘5’. 5. OCCUPANCY TYPE = '1',BASEMENT/ENCLOSURE/CRAWLSPACE TYPE NOT EQUAL TO '0',ELEVATED BUILDING INDICATOR = 'N',FLOOD RISK ZONE = 'A ', ANDRISK RATING METHOD NOT EQUAL '6'. 6. FLOOD RISK ZONE = 'A' OCCUPANCY TYPE NOT EQUAL TO '1',BASEMENT/ENCLOSURE/CRAWLSPACE TYPE NOT EQUAL TO '0',ELEVATED BUILDING INDICATOR IS EQUAL TO 'N',( TOTAL AMOUNT OF INSURANCE - BUILDING IS GREATERTHAN ZERO OR LOCATION OF CONTENTS IS NOT EQUALTO '5'), AND RISK RATING METHOD NOT EQUAL '6'. 7. FLOOD RISK ZONE = 'A' POLICY EFFECTIVE DATE IS ON OR AFTER 01/01/86 ANDBEFORE 10/1/92, OCCUPANCY TYPE IS '1',ELEVATION CERTIFICATE INDICATOR IS '4',AND ELEVATION DIFFERENCE IS LESS THAN OR EQUAL TO '+1'. 8. FLOOD RISK ZONE = 'A ',POLICY EFFECTIVE DATE IS ON OR AFTER 10/01/92,OCCUPANCY TYPE IS '1',ELEVATION CERTIFICATE INDICATOR IS '4', ANDELEVATION DIFFERENCE IS LESS THAN OR EQUAL TO ' 0'. 9. FLOOD RISK ZONE = 'A ' POLICY EFFECTIVE DATE IS ON OR AFTER 01/01/86,OCCUPANCY TYPE IS '1',ELEVATION CERTIFICATE INDICATOR IS '3', ANDELEVATION DIFFERENCE IS LESS THAN OR EQUAL TO '-2'. 10. FLOOD RISK ZONE = 'A ' POLICY EFFECTIVE DATE IS ON OR AFTER 01/01/86 ANDBEFORE 10/01/92, OCCUPANCY TYPE IS NOT '1',ELEVATION CERTIFICATE INDICATOR IS '4',ELEVATION DIFFERENCE IS LESS THAN OR EQUAL TO '+1',AND (TOTAL AMOUNT OF INSURANCE - BUILDING ISGREATER THAN ZERO OR LOCATION OF CONTENTS IS NOT '5'). 11. FLOOD RISK ZONE = 'A ',POLICY EFFECTIVE DATE IS ON OR AFTER 10/01/92,OCCUPANCY TYPE IS NOT '1',ELEVATION CERTIFICATE INDICATOR IS '4', ELEVATIONDIFFERENCE IS LESS THAN OR EQUAL TO ' 0', AND(TOTAL AMOUNT OF INSURANCE - BUILDING IS GREATER THAN ZERO OR LOCATION OF CONTENTS IS NOT '5'). 12. FLOOD RISK ZONE = 'A ',POLICY EFFECTIVE DATE IS ON OR AFTER 01/01/86,OCCUPANCY TYPE IS NOT '1',ELEVATION CERTIFICATE INDICATOR IS '3', ELEVATIONDIFFERENCE IS LESS THAN OR EQUAL TO '-2', AND(TOTAL AMOUNT OF INSURANCE - BUILDING IS GREATER THAN ZERO OR LOCATION OF CONTENTS IS NOT '5'). | 13. OCCUPANCY TYPE NOT EQUAL '1', | FLOOD RISK ZONE = 'AE', OR 'A01 - 'A30', | ELEVATION DIFFERENCE OF '-2' OR LESS, | AND (TOTAL AMOUNT OF INSURANCE - BUILDING IS | GREATER THAN ZERO OR LOCATION OF CONTENTS IS NOT ‘5’). | 14. IF POST FIRM CONSTRUCTION INDICATOR IS 'Y', | FLOOD RISK ZONE IS 'AE', OR 'A01' - 'A30', | BASEMENT/ENCLOSURE/CRAWLSPACE TYPE IS '1', ‘2’, OR '3', ELEVATION DIFFERENCE IS LESS THAN OR EQUAL TO -1 ANDELEVATED BUILDING INDICATOR IS 'Y'. 15. IF POST FIRM CONSTRUCTION INDICATOR IS 'Y' AND | FLOOD RISK ZONE IS 'VE' OR 'V01' - 'V30' AND | BASEMENT/ENCLOSURE/CRAWLSPACE TYPE IS '1', ‘2’, OR '3' AND| OBSTRUCTION TYPE IS ‘30’, ‘34’, ‘40’, ‘50’, ‘54’ OR ‘60’ AND| ELEVATION DIFFERENCE IS LESS THAN OR EQUAL TO -1 AND| ELEVATED BUILDING INDICATOR IS 'Y'. | 16. IF POST FIRM CONSTRUCTION INDICATOR IS 'Y' AND | FLOOD RISK ZONE IS 'VE' OR 'V01' - 'V30' AND | BASEMENT/ENCLOSURE/CRAWLSPACE TYPE IS '1' OR '2' AND| OBSTRUCTION TYPE IS ‘10’, ‘15’, ‘20’, OR ‘24’, AND| ELEVATION DIFFERENCE IS LESS THAN OR EQUAL TO -4 AND| ELEVATED BUILDING INDICATOR IS 'Y'. EDIT CRITERIA ------------- ORDER: 75 | EFFECTIVE: 03/01/1995 REVISED: 10/01/2009 CANCELLED: EDIT LEVEL: EDIT PROCESSOR PROGRAM EDIT TYPE: RELATIONAL ERROR CODE: PL038075 ERROR TYPE: CRITICAL ERROR MESSAGE: TOTAL AMOUNT OF INSURANCE - BUILDING FOR THIS GROUP FLOOD POLICY IS NOT VALID. FAIL EDIT UPDATE ACTION: DESCRIPTION: GROUP FLOOD POLICIES IN EFFECT CAN BE ENDORSED UP TO THE AMOUNT OF BUILDING COVERAGE AVAILABLE DURING THE POLICY PERIOD. IF RISK RATING METHOD IS 'G', THE TOTAL AMOUNT OF INSURANCE - BUILDING MUST BE ONE OF THE FOLLOWING AMOUNTS: 0, 129, 131, 134, 136, 139, 144, 148, 150, 158, 250, 256,| 262, 272, 282, 288, 303, OR 299. IF RISK RATING METHOD IS 'G' AND THE TOTAL AMOUNT OF INSURANCE - BUILDING IS EQUAL TO ZERO (0), THE TOTALAMOUNT OF INSURANCE - CONTENTS MUST BE GREATER THAN ZERO. (APPLICABLE TO CONTENTS COVERAGE ONLY - RENTERS) IF RISK RATING METHOD IS 'G' AND THE TOTAL AMOUNT OF INSURANCE - BUILDING IS GREATER THAN ZERO (0), THE TOTALAMOUNT OF INSURANCE - CONTENTS MUST BE EQUAL TO ZERO (0).(APPLICABLE TO BUILDING/CONTENTS COVERAGE - OWNERS) NOTE: BELOW ARE THE INCREASED BUILDING COVERAGE AMOUNTS WITH THEIR RESPECTIVE EFFECTIVE DATES. IFG GFIP LIMITS: BUILDING COVERAGE 129 - EFFECTIVE PRIOR TO 10/1/96BUILDING COVERAGE 131 - EFFECTIVE ON 10/1/96BUILDING COVERAGE 134 - EFFECTIVE ON 10/1/97BUILDING COVERAGE 136 - EFFECTIVE ON 10/1/98BUILDING COVERAGE 139 - EFFECTIVE ON 10/1/99BUILDING COVERAGE 144 - EFFECTIVE ON 10/1/00BUILDING COVERAGE 148 - EFFECTIVE ON 10/1/01BUILDING COVERAGE 150 - EFFECTIVE ON 10/1/02BUILDING COVERAGE 158 - EFFECTIVE ON OR BEFORE 10/14/02 IHP GFIP LIMITS: BUILDING COVERAGE 250 - EFFECTIVE ON 10/15/02 EDIT DICTIONARY EDIT DICTIONARY DATA ELEMENT: TOTAL AMOUNT OF INSURANCE - BUILDING || BUILDING COVERAGE 256 - EFFECTIVE ON 10/1/03BUILDING COVERAGE 262 - EFFECTIVE ON 10/1/04BUILDING COVERAGE 272 - EFFECTIVE ON 10/1/05BUILDING COVERAGE 282 - EFFECTIVE ON 10/1/06BUILDING COVERAGE 288 - EFFECTIVE ON 10/1/07BUILDING COVERAGE 303 – EFFECTIVE ON 10/1/08BUILDING COVERAGE 299 - EFFECTIVE ON 10/1/09 DATA ELEMENT: TOTAL AMOUNT OF INSURANCE – CONTENTS IF TOTAL AMOUNT OF INSURANCE - BUILDING IS INVALID THEN: TOTAL AMOUNT OF INSURANCE - CONTENTS MUST BE 50, 80, 120,180, 250, 300, 380, 500, OR 600. IF POLICY EFFECTIVE DATE IS ON OR AFTER 05/01/04: 1. FOR RESIDENTIAL BUILDINGS: IF OCCUPANCY IS 1, 2, OR 3, THEN TOTAL AMOUNT OFINSURANCE - CONTENTS MUST BE 80, 120, 200, 300, 400,500, 600, 800 OR 1000. 2. FOR NON-RESIDENTIAL BUILDINGS: IF OCCUPANCY IS '4' AND THE POLICY EFFECTIVE DATE IS PRIOR TO 05/01/08, CONTENTS MUST BE 500, 1000, 1500,2000, 2500, 3000, 3500, 4000, OR 5000. IF OCCUPANCY IS '4' AND THE POLICY EFFECTIVE DATE IS ON OR AFTER 05/01/08, CONTENTS MUST BE 500, 1000, 1500,2000, 2500, 3000, 3500, 4000, 4500, OR 5000. 3. THE TOTAL AMOUNT OF INSURANCE - CONTENTS MUST BE ZERO IF ALL OF THE FOLLOWING ARE TRUE: A. BASEMENT/ENCLOSURE/CRAWLSPACE TYPE IS '1' OR '2' B. LOCATION OF CONTENTS IS '1' (BASEMENT ONLY) C. ELEVATED BUILDING INDICATOR IS 'N' D. TOTAL AMOUNT OF INSURANCE - BUILDING IS ZERO E. OCCUPANCY TYPE IS 1, 2, 3, OR 4 DATA ELEMENT: TOTAL AMOUNT OF INSURANCE - CONTENTS EDIT CRITERIA ------------- ORDER: 55 | EFFECTIVE: 03/01/1995 REVISED: 10/01/2009 CANCELLED: EDIT LEVEL: EDIT PROCESSOR PROGRAM EDIT TYPE: RELATIONAL ERROR CODE: PL039055 ERROR TYPE: CRITICAL ERROR MESSAGE: TOTAL AMOUNT OF INSURANCE - CONTENTS FOR THIS GROUP FLOOD POLICY IS NOT VALID. FAIL EDIT UPDATE ACTION: DESCRIPTION: GROUP FLOOD POLICIES IN EFFECT CAN BE ENDORSED UP TO THE AMOUNT OF CONTENTS COVERAGE AVAILABLE DURING THE POLICY PERIOD. IF RISK RATING METHOD IS 'G', THE TOTAL AMOUNT OF INSURANCE - CONTENTS MUST BE ONE OF THE FOLLOWING AMOUNTS: 0, 129, 131, 134, 136, 139, 144, 148, 150, 158, 250, 256,| 262, 272, 282, 288, 303, OR 299. IF THE RISK RATING METHOD IS 'G' AND THE TOTAL AMOUNT OF INSURANCE - CONTENTS IS GREATER THAN ZERO (0), THE TOTAL AMOUNT OF INSURANCE - BUILDING MUST BE ZERO. (APPLICABLE TO CONTENTS COVERAGE ONLY - RENTERS) IF THE RISK RATING METHOD IS 'G' AND THE TOTAL AMOUNT OF INSURANCE - CONTENTS IS EQUAL TO ZERO (0), THE TOTAL AMOUNT OF INSURANCE - BUILDING MUST BE GREATER THAN ZERO (0). (APPLICABLE TO BUILDING/CONTENTS COVERAGE - OWNERS) NOTE: BELOW ARE THE INCREASED CONTENTS COVERAGE AMOUNTS WITH THEIR RESPECTIVE EFFECTIVE DATES. IFG GFIP LIMITS: CONTENTS COVERAGE 129 - EFFECTIVE PRIOR TO 10/1/96 CONTENTS COVERAGE 131 - EFFECTIVE ON 10/1/96 CONTENTS COVERAGE 134 - EFFECTIVE ON 10/1/97 CONTENTS COVERAGE 136 - EFFECTIVE ON 10/1/98 CONTENTS COVERAGE 139 - EFFECTIVE ON 10/1/99 CONTENTS COVERAGE 144 - EFFECTIVE ON 10/1/00 CONTENTS COVERAGE 148 - EFFECTIVE ON 10/1/01 CONTENTS COVERAGE 150 - EFFECTIVE ON 10/1/02 CONTENTS COVERAGE 158 - EFFECTIVE ON OR BEFORE 10/14/02 IHP GFIP LIMITS: CONTENTS COVERAGE 250 - EFFECTIVE ON 10/15/02 CONTENTS COVERAGE 256 - EFFECTIVE ON 10/1/03 CONTENTS COVERAGE 262 - EFFECTIVE ON 10/1/04 CONTENTS COVERAGE 272 - EFFECTIVE ON 10/1/05 CONTENTS COVERAGE 282 - EFFECTIVE ON 10/1/06 CONTENTS COVERAGE 288 - EFFECTIVE ON 10/1/07 | CONTENTS COVERAGE 303 – EFFECTIVE ON 10/1/08| CONTENTS COVERAGE 299 – EFFECTIVE ON 10/1/09 A summary of the revisions for WYO TRRP Plan Change 13.2, effective October 1, 2009, is as follows: Part 4 – Data Dictionary • Cause of Loss: added notation for codes ‘7’ and ‘8’. • Total Amount of Insurance – Building: added text for new coverage limit amount $29,900 for Group Flood Insurance Policy. • Total Amount of Insurance – Contents: added text for new coverage limit amount $29,900 for Group Flood Insurance Policy. Part 5 – Codes • Added code ‘G’ (Group Flood Insurance Policy) for Risk Rating Method NATIONAL FLOOD INSURANCE PROGRAM 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. approval from FEMA.This procedure may be used only with prior EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 0 -Other causes 1 -Tidal water overflow 2 -3 -Stream, river, or lake overflowAlluvial fan overflow 4 -Accumulation of rainfall or snowmelt 7 -8 -Erosion – demolition (See NOTE below)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