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DHS FEMA NFIP Services - eWaterwark Article
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New EC Photo Requirements
With the introduction of the NFIP's new Elevation Certificate (EC), all ECs certified on or after
January 1, 2007, must be submitted on the new EC form and with few exceptions (discussed below)
must include a least two recent photographs that show the front and back of the building and are
taken and dated within 90 days of the submission date, which is the mailing date (not within 90 days
of the EC certification date). If the EC certification date is older than 90 days, the insured or
agent must provide photographs taken within 90 days of the submission date. If the building is a
split-level or has multi-level areas at ground level, at least two additional photographs showing
views of both sides of the building must be submitted.
A building in the course of construction, without the "as-built elevations," can obtain a policy
based on proposed elevations, even though photographs are not submitted. However, prior to the policy
being renewed, a revised EC with "as-built elevations" must be provided along with the photographs.
These new requirements pertain to all new business applications, including transfer of business,
for elevation-rated risks with a policy effective date of January 1, 2007, or later. The requirements
also apply to all renewal and endorsement transactions adding elevation rating effective on or after
January 1, 2007.
Use of the Building Photographs sheets included with the new EC (see example below) is not a requirement
for photograph submission as long as the date the photographs were taken is provided and attested. All
photographs must measure at least 3"×3" and provide a good, clear image of the building's distinguishing
features. Analog or digital photographs are acceptable. Color photographs are preferred.
An EC submitted without the required photographs is not considered a valid EC unless the building
is in the course of construction. Each WYO company may use its current business practice in handling
ECs without photographs, whether this is using tentative or provisional rates, or rejecting the
application.
In cases where the agent is transferring his or her entire book of business to another company or
when a company acquired a book of business of another company, the photograph requirements do not
apply. FEMA will continue to consider these policies as renewals even though they are reported as
new business under the Transaction Record Reporting and Processing Plan. However, in cases where
an individual insured decides to change agent and company, that application is considered new business
and the photograph requirement applies.
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| Last Modified:
Friday, 21 January 2011 |
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