ICC

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OPTIONS:

Provide up to $30,000.00 with no deductible to:

• Elevate above the current or projected base flood elevation.
• Relocate (move) the building to another property.
• Demolish the structure and clear the site.
• Construct a approved compliant FEMA foundation.
• Flood proofing primarily for nonresidential buildings, and structures with FEMA compliant basements.
• Combination of any of above.
• Be part of a FEMA buyout program.

 

ICC Handbook: HANDBOOK A ICC

Overview, questions and answers: OVERVIEW ICC A ACM

Assignment FEMA buyout: ASSIGNMENT CVG D BUYOUT ICC ACM

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REQUIREMENTS TO QUALIFY:

• Have Building Coverage A at the time of loss.
• The claim payment on coverage A cannot be exhausted. The Dwelling Policy provides a max of $250,000.00 for Coverage A, and $500,000.00 for a General Property policy. If your claim payable was at, or in excess of these limits there is no more money. But if the claim payable was for example $225,000.00 on a Dwelling Polcy there would be $25,000.00 maximum ICC coverage available.
• ICC coverage is a separate coverage. If you had a $50,000.00 Coverage A policy that you received the full amount in flood damages you can still qualify for up to 30K ICC coverage.
• Building must be located in a Special Flood Hazard Area A and V zones. Or structures in B, C, X or D zones where FEMA is going to create or raise the base flood elevations.

Policy link: INCREASING THE BFE

• Structure must have 50% or more damage by Flood as determined by a local official.
• Structure has sustained flood damage on two occasions in the last 10 year which equals or exceeds 50%. This only applies providing your community has a repetitive loss provision in there floodplain law. Not many communities do.

Policy Link: REPETITIVE LOSS STRUCTURES

• Structure must not be in compliance which means that lowest elevated floor cannot be above the current Base Flood Elevation. Unless FEMA is going to adjust the Base Flood Elevation higher.

Policy Link: INCREASING THE BFE

• Community where property located must be in the Regular program.
• The coverage A building claim will need to be finalized and payment from the Insurance Company received.

 

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EXCLUSIONS:

Policy Link:ICC EXCLUSIONS DP

• Any structure insured under a NFIP Group Flood Insurance Policy.
• ICC to a detached garage or out building unless the structure has a flood policy. Carports are also excluded.
• Cost to comply with code compliance (upgrades) or ordinance of law.
• Loss in residual value of undamaged portion of building.
• Assessments made by a Condo Association to units owners.
• Units insured under a condominium unit owner policy.

ACM Link: CONDO UNIT EXCL

• Structures will less than 50% damage by flood.

ACM Link: SUBSTANTIAL DAMAGE DEFINATION

• Transferring of ICC benefits.

WYO Link: TRANSFER ICC A WYO 07003

 

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FILING A CLAIM:

Contact your local official (Building Inspector) to discuss their requirements to document your building is more than 50% substantially damaged by flood. They usually will want to come out to inspect the structure and review the adjusters building estimate. In most cases the building official will use the assessed valuation as their guild line to determine if you qualify . If the official agrees the structure is 50% damaged by flood they will provide the following letter.

Sample letter link: SAMPLE LETTER SUBSTANTIAL DAMAGE ICC 301

According to FEMA directive (F-301) your local building official must support the following information in detail, as outlined below:

1. Flood zone your property is currently located in.

2. State the market value used by the community to determine the percentage the structure was damaged by flood waters.

3. State the dollar amount of damages to the building caused by flood.

4. State which of the approved mitigation measures the building official is requiring you to perform (elevate, relocate, demolish or flood proof).

CLAIMS PROCESS:

• Adjustment firms and Insurance Companies may have different requirement so check with the adjuster to confirm their requirements.
• Contact a surveyor to come out to the property and complete an Elevation Certificate. The information on the certificate will show the relationship of the lowest elevated flood to the current base flood elevation.
• Revised Elevation Certificate attached:

Link: RVSD ELEVATION AND FLOODPROOFING CERT 12102

• Contact the contractor(s) based on your option(s) to provide an estimate(s) to perform the mitigation work. Best to get two estimates for each mitigation chosen.
• Provide the above documents to your Insurance agent who wrote your flood policy, and have them file the ICC claim to your Insurance Company.
• You will then be contacted by the adjuster who will let you know what their process is to complete the claim.
• You have 4 years from the date of loss to complete the ICC claim. It previously was 2 years.

Link: WAIVER 2 YEAR TIME LIMIT ICC FM 06019

FEMA Memo W-15038  extends the deadline to complete ICC claims to 6 Years from the Date of Loss for all ICC claims After Jan 1, 2011.
• FEMA Memo 13024 grants additional time to file ICC claims for Katrina, Rita and Wilma, and explains process to file a waiver for additional time.

Link: DEADLINE TO 02-11-2015 FOR COMPLETION 13024

• Typically the town will not allow you to make any repairs to the structure until it is elevated (in compliance).
• Check with the adjuster to see if the Insurance Company will issue an advance which is 50% of projected cost or max $15,000.00. Most Insurance Companies require all work to be completed then will issue you a final check for up to $30,000.00. This makes sense as you have the money from the building claim, and the town will not allow repairs until building is elevated.
• Have the town issue you a permit for the ICC mitigation option that the town and you agree on.

 

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ITEMS REQUIRED TO COMPLETE THE ICC CLAIM:

1. After the structure is elevated the surveyor will need to provide a revised elevation certificate (EC) noting the height of the lowest elevated floor. Not required for if the structure was demolished and not going to be rebuilt.

2. When the contractor(s) have completed their work for ICC have them provide you with a paid invoice(s)

3. When the work is completed the town will issue you a letter that the structure is now in compliance.

4. Take at least two photos front/right, then rear/left showing entire exterior with foundation and if applicable foundation flood vents.

Link Claims process: CLAIMS PROCESS ICC 301

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MANUALS & DOCS:

Assignment ICC FEMA buyout
Link: ASSIGNMENT CVG D BUYOUT ICC ACM
Brochure FEMA basic
Link: HANDBOOK A ICC
Claims process FEMA detailed 301
Link: CLAIMS PROCESS ICC 301
Coverage ICC Dwelling Policy
Link: DWELLING POLICY CVG DP
Definition substantial damage
Link: SUBSTANTIAL DAMAGE DEFINATION
Elevating guidelines
Link: ELEVATING OVERVIEW ICC DP FEMA
Exclusion Condo unit
Link : CONDO UNIT EXCL
Exclusion transfer rights
Link: TRANSFER ICC A WYO 07003
Exclusions Dwelling Policy
Link: EXCLUSIONS ICC DP
Guide detailed for Local officials
Link: GUIDE FOR LOCAL OFFICIAL ICC 301
Increasing the BFE B, C, X and D
Link: INCREASING THE BFE
Letter sample official
Link: SAMPLE LETTER SUBSTANTIAL DAMAGE ICC 301
Overview Coverage : COVERAGE OVERVIEW ICC A
Overview Detailed with questions answered
Link: OVERVIEW ICC A ACM
Repetitive loss structures
Link: REPETITIVE LOSS STRUCTURES
Vents requirements
Link: ENCLOSURES WITH OPENINGS ICC DP WYO
Waiver two years to file
Link: WAIVER 2 YEAR TIME LIMIT ICC FM 06019

 

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CONTRACTORS:

Elevating & Moving Buildings:
You can also check with your town to find more contractors. We are not affiliated or recommend any of the below contractors.

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NORTHEAST:

CT High Caliber
Link: http://www.highcalibercontracting.com/
CT RI MA Aquidneck
Link: http://aquidneckbuildingmovers.com/
PA Dzuiba
Link: http://www.dbmovers.com/
NH Granite State
Link: http://www.granitestatebuildingmovers.com/
VT Larmon
Link: http://www.larmonhousemovers.com/

MID ATLANTIC:

MD Mid Atlantic
Link: http://www.experthousemovers.com/

GULF COAST & FLORIDA:

FL Duckey
Link: http://www.duckyjohnsonhousemovers.com/
FL Patterson
Link: http://www.pattersonshoring.com/shoring-services/house-raising/florida-house-raising-shoring/

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EAST COAST TO THE MISSISSIPPI:

Wolf
Link: http://www.wolfehousebuildingmovers.com/contactus.html

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Flood Proofing Manufacturers:

Companies that provide products to keep water out of buildings.
Pawling Corp
Link: http://www.pawlingep.com/
Door Dam
Link: http://www.doordam.com/index.php
Flood panel
Link: http://www.floodpanel.com/

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