{"text_format":"3","workbook":"xlsx","n_sheets":10,"sheets":["Policy Info","Insured Info","RCV"," Structure Condition","Cost of Repair","Contents","Formulas","POL","ICC POL","ICC Info"],"not_rendered":{"images":1,"macros":1,"defined_names":2},"read":"whole","date_system":"1900"}

{"sheet":"Policy Info","index":0,"n_rows":25,"n_cols":10,"rows_kept":25,"merged":[[1,0,1,11],[2,1,7,11],[9,1,9,3],[9,4,9,6],[11,1,11,3],[11,4,11,6],[11,7,11,10],[13,0,13,3],[13,4,13,6],[15,0,15,3],[15,4,15,6],[15,7,15,12],[17,0,17,3],[17,4,17,6],[17,7,17,12],[19,0,19,3],[19,4,19,8],[21,0,21,3],[21,4,21,5],[23,4,23,5],[24,3,24,7],[24,8,24,12],[25,0,25,11]]}
[]
["Policy Information"]
[null,"The policy number, term, and coverage amounts  are located on the declarations page of your policy, new declarations page are mailed with a packet annually.  If you do not have the decalarations page, you can look on some of the correspondence you  have had with the insurance company, it is normally on there as well.  If possible, for accuracy sake, use the declarations page."]
[]
[]
[]
[]
[]
[]
[null,"Policy Number",{"$nulls":5},"Enter the policy number "]
[]
[null,"Policy Term",{"$nulls":5},"Enter the policy coverage peiod, use format mmyy - mmyy"]
[]
["Building Coverage Amount",{"$nulls":3},{"v":250000,"d":"$250,000"},null,null,"Enter the total amount of coverage on the building"]
[]
["Contents Coverage Amount",{"$nulls":6},"Enter the total amount of coverage on the contents, enter zero if contents coverage wasn’t purchased"]
[]
["Agent",{"$nulls":6},"Enter the name of agency"]
[]
["Agency Address",{"$nulls":8},"Enter the city and state of the agency that sold the policy"]
[]
["Building Deductible",{"$nulls":3},{"v":2000,"d":"$2,000"}]
[]
[{"$nulls":3},"Contents Deductible",{"v":500,"d":"$500"}]
[{"$nulls":3},"Next",{"$nulls":4},"Back"]

{"sheet":"Insured Info","index":1,"n_rows":32,"n_cols":16,"rows_kept":32,"merged":[[1,1,1,12],[3,2,3,6],[3,8,5,11],[5,2,5,6],[7,1,7,12],[9,2,9,6],[9,9,10,12],[10,2,10,4],[13,1,13,12],[15,3,16,8],[18,4,18,5],[20,2,20,4],[22,1,22,12],[23,1,24,1],[24,3,25,11],[26,1,28,1],[26,2,26,10],[26,11,28,13],[28,2,28,10],[31,2,31,6],[31,7,31,11]]}
[]
[null,"Name of Insureds"]
[]
[{"$nulls":8},"List the all persons on the declarations page that are shown as named insureds"]
[]
[]
[]
[null,"Address of Insured Property"]
[]
[null,"Street",{"$nulls":7},"Enter the adress of the property that was insured under the flood coverage"]
[null,"City",{"$nulls":3},"State",null,"Zip"]
[]
[]
[null,"Date, Time, & Origin of Loss"]
[]
[null,"Time",null,"Enter approximate time of flood, your best guess will work. Use format as follows: 3:05pm, 9:00am, etc"]
[]
[]
[null,"Day of Month",null,"Month",null,null,"Year 20",{"$nulls":8},"   "]
[]
[null,"Origin",{"$nulls":3},"Cause of loss: Superstorm Sandy, Hurricane Isabel, etc"]
[]
[null,"Occupancy & Interest"]
[null,"Property Use"]
[{"$nulls":3},"Enter \"Residentaial\" if the property was a dwelling place for one to four families"]
[]
[null,"Interest of Others",{"$nulls":9},"List mortgage companies and any other lienholders or persons/businesses that have an interest in the property"]
[]
[]
[]
[]
[null,null,"Next",{"$nulls":4},"Back"]

{"sheet":"RCV","index":2,"n_rows":21,"n_cols":10,"rows_kept":21,"merged":[[1,1,1,12],[2,14,3,25],[4,1,6,12],[7,1,10,12],[12,1,12,12],[13,1,13,12],[14,1,14,6],[14,7,14,8],[15,1,15,9],[16,1,17,3],[17,4,17,5],[19,2,19,6],[19,7,19,11]]}
[]
[null,"Building Valuation/Replacement Cost Value"]
[]
[]
[null," Enter the cost to replace the insured structure immediatly prior to the loss, only the value of the structure is pertinent. The value of the land and site improvements (landscaping, driveway, detached accessory structures, etc.)  is excluded. "]
[]
[]
[null," This does not mean the cost to build your house/buiding from scratch, it is talking about  repairing or replacing every item, which cost 30-50% more than new construction.  This number is open to interpretation so do not worry about being exact. If you have already received a proof of loss from the insurance company, line #2 contains the amount as calculated by insurance company software. I feel this amount is usually low, but it typically has no effect on your claim. Another simple method is to do an internet search of the square footage price for new home construction in your area. Multiply this number by your homes square footage and  then add an additional 30-50%."]
[]
[]
[]
[]
[null,{"$f":"IF('Policy Info'!E14<250000,\"If you are covered under the Dwelling Policy or RCBAP, one of the conditions that must be met to receive replacement   \",\"\")","v":""}]
[null,{"$f":"IF('Policy Info'!E14<250000,\"cost coverage is the building must be insured to 80% or more of its full replacement cost.  Using the information you\",\"\")","v":""}]
[null,{"$f":"IF('Policy Info'!E14<250000,\"provided,  the amount entered should not be greater than\",\"\")","v":""},{"$nulls":5},{"$f":"IF('Policy Info'!E14<250000,'Policy Info'!E14*1.25,\"\")","v":""},null,{"$f":"IF('Policy Info'!E14<250000,\"to meet this requirement.\",\"\")","v":""}]
[]
[null,"Replacement Cost Value of Building Only"]
[{"$nulls":4},{"v":185000,"d":"$185,000"}]
[]
[null,null," Next",{"$nulls":4},"Back"]
[{"$nulls":7}," "]

{"sheet":" Structure Condition","index":3,"n_rows":38,"n_cols":11,"rows_kept":38,"merged":[[1,1,1,12],[2,1,6,12],[8,1,10,12],[13,1,17,12],[18,1,19,12],[21,1,21,12],[23,1,23,6],[23,7,23,8],[24,1,24,12],[25,1,26,5],[25,6,26,7],[25,10,26,12]]}
[]
[null,"Depreciation on Structure"]
[null,"It is important to understand the difference between replacement cost value (rcv), actual cash value (acv), and depreciation, Nfip defines acv as: \"the cost to replace an insured item of property at the time of loss, less the value of its physical depreciation\". Rcv is \"the cost to replace property with the same kind of material and construction without deduction for depreciation.\" "]
[]
[]
[]
[]
[]
[null,"A simpler explanation is that  rcv is cost of the item, including labor & material, brand new. Acv is the used cost of the item and depreciation is the difference in these two values.  The amount of depreciation is based on the age and condition of the item. Personal property, i.e. contents, is always paid at ACV and structure coverage can be either acv or rcv."]
[]
[]
[null,"Depreciation on Structure"]
[]
[null,"There are two ways to calculate depreciation, on each individual repair item or a flat percentage for all items. Nfip does not like the use of a flat rate because all Items being replaced or repaired are likely not in the same condition or of the same age. However, it is not on the structure this is very difficult to accomplish without the help of software that has typical depreciation schedules built in. For that reason we are using a flat rate for the structure."]
[]
[]
[]
[]
[null,"Below is a ist of depreciation percentages , it is just a rule of thumb, use whatever percentage you feel is appropiate."]
[]
[]
[null," Brand New - 0%   Excellent-5%   Good - 10%   Average - 15%   Poor - 20%   Very Poor - 25%"]
[]
[null,"Enter Building Depreciation %",{"$nulls":5},{"v":0.05,"d":"5%"}]
[null,"Do You Have Contents Coverage           "]
[null,"Yes",{"$nulls":4},"No ",{"$nulls":3},"Back"]
{"$rows_empty":11}
[null,"++"]

{"sheet":"Cost of Repair","index":4,"n_rows":6,"n_cols":6,"rows_kept":6,"merged":[[1,1,1,12],[3,1,3,12],[5,5,5,6]]}
[]
[null,"Cost to Repair Structure"]
[]
[null,"Enter the estimated total cost of repairs on the covered struture(s). It should include line item totals, overhead and profit, taxes and any other expences for repair . If you are submitting a supplemental estimate requesting funds in addition to what has already been approved , add the original amount to the supplemental amount. Make sure you use  replacement cost values (rcv), not the actual cash value, what is needed is the full cost of repairs without depreciation."]
[]
[null,"Enter Building Repair Costs",{"$nulls":3},{"v":100000,"d":"$100,000"}]

{"sheet":"Contents","index":5,"n_rows":30,"n_cols":8,"rows_kept":30,"merged":[[1,1,1,12],[3,1,4,12],[6,1,10,12],[14,1,16,12],[18,2,18,3],[18,4,18,5],[18,6,18,7],[22,1,23,12],[23,19,23,20],[25,1,25,12],[27,2,27,3],[27,4,27,6],[27,7,27,8],[29,2,30,3],[29,6,30,7]]}
[]
[null,"Depreciation"]
[]
[null,"All contents coverage provided by NFIP is on an actual cash value basis, this means you cannot recover any of the withheld depreciation. It is very important that it is calculated fairly and accurately."]
[]
[]
[null,"You have the option of calculating the depreciation at a flat rate or on each individual item. As it was explained on the last page, calculation on each item is the most accurate, it is also the format NFIP requires to dispute the amount of depreciation taken.  You have the option because it takes a lot of time to depreciate each item individually and it may not be neccesary. If the amount withheld is fair or the value of your contents far exceed your amount of coverage or if you are simply in a hurry, use the flat rate. Choose which option to use below, only fill in the blanks under \"Depreciation by Item\" or \"Flat Rate Depreciation\", not both."]
[]
[]
[]
[]
[]
[null,"Depreciation by Item"]
[]
[null,"If you havent already created your contents list, it is a good idea to search the web for tips and techniques, sites like United Policyholders have a wealth of information.  Your list should contain the age, cost, condition and depreciated value. Once the list is completed, add up the new costs and the depreciated cost and enter them is boxes below."]
[]
[]
[]
[null,"Cost New",null,null,"Depreciated Value"]
[]
[null,"Flat Rate Depreciation"]
[]
[null,"Add up the total value of all covered contents and the appropiate depreciation percentage and enter in boxes below. The sample depreciation percentages  are a rule of thumb, use whatever percentage you feel is appropiate."]
[]
[]
[null," Brand New - 0%   Excellent-5%   Good - 10%   Average - 15%   Poor - 20%   Very Poor - 25%"]
[]
[null,"Cost New",{"v":10000,"d":"$10,000"},null,"Enter Flat Depreciation %",null,null,{"v":0.05,"d":"5%"}]
[]
[null,null,"Next",{"$nulls":3},"Back"]

{"sheet":"Formulas","index":6,"n_rows":5,"n_cols":1,"rows_kept":5,"hidden":true}
[{"$f":"TODAY()","v":"2015-05-12"}]
[{"$f":"YEAR(A1)","v":2015}]
[{"$f":"TEXT(MONTH(NOW()),\"mmmmmmmmmmmmmmm\")","v":"January"}]
[{"$f":"MONTH(A1)","v":5}]
[{"$f":"DAY(A1)","v":12}]

{"sheet":"POL","index":7,"n_rows":58,"n_cols":26,"rows_kept":58,"merged":[[0,8,2,16],[0,20,0,25],[1,19,1,26],[2,1,2,6],[3,1,3,4],[3,8,3,16],[4,8,5,16],[5,1,5,6],[5,19,5,27],[8,1,8,8],[8,19,8,27],[11,1,11,8],[15,1,15,16],[15,17,15,27],[16,1,17,24],[18,15,19,18],[19,1,19,4],[19,6,19,14],[19,19,19,20],[20,5,20,6],[20,10,20,13],[20,16,20,20],[20,21,20,27],[21,5,22,28],[23,5,23,27],[26,5,26,15],[26,16,26,27],[27,1,27,17],[27,23,27,27],[28,23,28,27],[29,23,29,27],[30,23,30,27],[31,23,31,27],[32,23,32,27],[33,23,33,27],[34,23,34,27],[35,23,35,27],[37,1,40,27],[41,1,43,27],[45,1,47,28],[48,1,49,27],[50,1,50,27],[51,1,51,27],[53,4,53,5],[53,8,53,14],[53,15,53,16],[55,3,55,17],[56,3,56,17]]}
[{"$nulls":8},"DEPARTMENT OF HOMELAND SECURITY FEDERAL EMERGENCY MANAGEMENT AGENCY NATIONAL FLOOD INSURANCE PROGRAM",{"$nulls":11},"O.M.B. No. 1660-0005"]
[{"$nulls":19},"Expires October 31, 2013"]
[null,{"$f":"'Policy Info'!E10","v":0}]
[null,"POLICY NO. FL",{"$nulls":6},"PROOF OF LOSS"]
[{"$nulls":8},"See reverse side for Privacy Act Statement and Paperwork Burden Disclosure Notice)"]
[null,{"$f":"'Policy Info'!E12","v":0},{"$nulls":17},{"$f":"'Policy Info'!E18","v":0}]
[null,"POLICY TERM",{"$nulls":17},"AGENT"]
[]
[null,{"$f":"'Policy Info'!E14","v":{"v":250000,"d":"$250,000"}},{"$nulls":17},{"$f":"'Policy Info'!E20","v":0}]
[null,"AMT OF BLDG COV AT TIME OF LOSS",{"$nulls":17},"AGENCY AT"]
[]
[null,{"$f":"'Policy Info'!E16","v":{"v":0,"d":"$0"}}]
[null,"AMT OF CONTS COV AT TIME OF LOSS"]
[]
[null,"TO THE NATIONAL FLOOD INSURANCE PROGRAM:"]
[null,"At time of loss, by above indicated policy of insurance, you insured the interest of",{"$nulls":15},{"$f":"'Insured Info'!C4&'Insured Info'!C6","v":""}]
[null,"against loss by flood to the property described according to the terms and conditions of said policy and of all forms, endorsements, transfers and assignments attached thereto."]
[]
[{"$nulls":15},"loss occurred about the hour of"]
[null,"TIME AND ORIGIN:",{"$nulls":3},"A","Flood",{"$nulls":12},{"$f":"'Insured Info'!C16","v":0},null,"o'clock"]
[{"$nulls":5},"on the   ",null,{"$f":"'Insured Info'!C19","v":0},"day of  ",null,{"$f":"'Insured Info'!E19","v":0},{"$nulls":3},20,{"$f":"'Insured Info'!H19","v":0},"The cause of said loss was:",{"$nulls":4},{"$f":"'Insured Info'!C21","v":0}]
[null,"OCCUPANCY",{"$nulls":3},"The premises described, or containing the property described, was occupied at the time of the loss as follows, and for no other purpose whatever"]
[]
[{"$nulls":5},{"$f":"'Insured Info'!C25","v":0}]
[]
[null,"INTEREST",{"$nulls":3},"No other person or persons had any interest therein or encumbrance thereon except:"]
[{"$nulls":5},{"$f":"'Insured Info'!C27","v":0},{"$nulls":10},{"$f":"'Insured Info'!C29","v":0}]
[null,"1. FULL AMOUNT OF INSURANCE application to the property for which claim is presented is",{"$nulls":16},"…………………………………………",{"$nulls":4},{"$f":"B9+B12","v":{"v":250000,"d":"$250,000.00"}}]
[null,"2.  ACTUAL CASH VALUE of building structures",{"$nulls":9},"…………………………………………………………………………………",{"$nulls":11},{"$f":"RCV!E18-(RCV!E18*' Structure Condition'!H24)","v":{"v":175750,"d":"$175,750.00"}}]
[null,"3.  ADD ACTUAL CASH VALUE OF CONTENTS of personal property insured",{"$nulls":14},"……………………………………………..",{"$nulls":6},{"$f":"IF(Contents!G19>0,Contents!G19,(100%-Contents!H28)*Contents!C28)","v":{"v":9500,"d":"$9,500.00"}}]
[null,"4.  ACTUAL CASH VALUE OF ALL PROPERTY……..",{"$nulls":9},"………………………………………………………………………………..",{"$nulls":11},{"$f":"X30+X29","v":{"v":185250,"d":"$185,250.00"}}]
[null,"5.  FULL COST OF REPAIR OR REPLACEMENT (Building and Contents)",{"$nulls":21},{"$f":"'Cost of Repair'!F6+Contents!C28+Contents!C19","v":{"v":110000,"d":"$110,000.00"}}]
[null,"6.  LESS APPLICABLE DEPRECIATION",{"$nulls":21},{"$f":"('Cost of Repair'!F6*' Structure Condition'!H24)+(Contents!C19-Contents!G19)+(Contents!C28*Contents!H28)","v":{"v":5500,"d":"$5,500.00"}}]
[null,"7.  ACTUAL CASH VALUE LOSS is",{"$nulls":21},{"$f":"X30+'Cost of Repair'!F6","v":{"v":109500,"d":"$109,500.00"}}]
[null,"8.  LESS DEDUCTIBLES",{"$nulls":21},{"$f":"'Policy Info'!E22+'Policy Info'!E24","v":{"v":2500,"d":"$2,500.00"}}]
[null,"9. NET AMOUNT CLAIMED under above numbered policy is ",{"$nulls":21},{"$f":"X34-X35","v":{"v":107000,"d":"$107,000.00"}}]
[]
[null,"The said loss did not originate by any act, design or procurement on the part of your insured, nothing has been done by or with the privity\nor consent of insured to violate the conditions of the policy, or render it void; no articles are mentioned herein or in annexed schedules but such as were destroyed or damaged at the time of said loss, no property saved has in any manner been concealed, and no attempt to deceive the said insurer as to the extent of said loss, has in any manner been made. Any other information that may be required will be furnished and considered a part of this proof.\n\n"]
[]
[]
[]
[null,"I understand that this insurance (policy) is issued Pursuant to the National Flood Insurance Act of 1968, or Any Act Amendatory thereof, and Applicable Federal Regulations in Title 44 of the Code of Federal Regulations, Subchapter B, and that knowingly and willfully making any false answers or misrepresentations of fact may be punishable by fine of imprisonment under applicable United State Codes"]
[]
[]
[]
[null,"Subrogation - To the extent of the payment made or advanced under this policy; the insured hereby assigns, transfers and sets over the insurer all rights,claims or interest that he has against any person, firm or corporation liable for the loss or damage to the property for which payment is made or advanced.  He also hereby authorizes the insurer to sue any such third party in his name."]
[]
[]
[null,"The insured hereby warrants that no release has been given or will be given or settlement or compromise made or agreed upon with any third party who may be liable in damages to the insured with respect to the claim being made herein."]
[]
[null,"The furnishing of this blank or the preparation of proofs by a representative of the above insurer is not a waiver of any of its rights."]
[null,"I declare under penalty of perjury that the information contained in the foregoing is true and correct to the best of my knowledge and belief."]
[]
[null,"Executed this",null,null,{"$f":"Formulas!A5","v":12},null,"day of",null,{"$f":"Formulas!A3","v":"January"},{"$nulls":6},{"$f":"Formulas!A2","v":2015}]
[]
[null,"Signature"]
[null,"Signature"]
[null,"FEMA Form 086-0-9, (10/10)",{"$nulls":7},"REPLACES ALL PREVIOUS EDITIONS",{"$nulls":15},"F-101"]

{"sheet":"ICC POL","index":8,"n_rows":57,"n_cols":25,"rows_kept":57,"merged":[[1,1,1,16],[2,1,2,16],[2,17,2,22],[2,23,2,27],[3,1,3,16],[3,17,3,22],[3,23,3,27],[5,1,5,8],[5,9,5,18],[6,1,6,8],[6,9,6,18],[6,19,6,27],[7,1,7,8],[7,9,7,18],[7,19,7,27],[8,1,8,8],[8,9,8,18],[8,19,8,27],[9,1,9,27],[10,1,10,27],[11,1,12,27],[13,1,14,27],[15,2,15,4],[15,16,15,22],[15,23,15,26],[16,6,16,9],[16,10,16,22],[17,6,17,27],[18,6,18,27],[21,7,21,16],[21,18,21,27],[23,2,23,23],[23,24,23,27],[24,2,24,23],[24,24,24,27],[25,2,25,23],[25,24,25,27],[26,2,26,23],[26,24,26,27],[27,2,27,23],[27,24,27,27],[28,2,28,23],[28,24,28,27],[30,2,33,27],[35,2,40,27],[42,2,45,27],[47,2,48,27],[52,7,52,8],[52,11,52,15],[52,17,52,19],[54,4,54,8],[54,9,54,22],[55,4,55,8],[55,9,55,22],[56,1,56,7]]}
[]
[null,"DEPARTMENT OF HOMELAND SECURITY "]
[null,"FEDERAL EMERGENCY MANAGEMENT AGENCY",{"$nulls":15},"NATIONAL FLOOD ",{"$nulls":5},"O.M.B. No. 1660-0005"]
[null,"INCREASED COST OF COMPLIANCE PROOF OF LOSS",{"$nulls":15},"INSURANCE PROGRAM",{"$nulls":5},"Expires October 31, 2013"]
[]
[null,"Policy Number",{"$nulls":7},"Policy Term",{"$nulls":9},"Amount of Bldy at Time of Loss"]
[null,{"$f":"'Policy Info'!E10","v":0},{"$nulls":7},{"$f":"'Policy Info'!E12","v":0}]
[null,"Agent",{"$nulls":7},"Agency At",{"$nulls":9},"Date of Loss"]
[null,{"$f":"'Policy Info'!E18","v":0},{"$nulls":7},{"$f":"'Policy Info'!E20","v":0},{"$nulls":9},{"$f":"'Insured Info'!E19 &\" \"&'Insured Info'!C19&\",\"&\"20\"&'Insured Info'!H19","v":" ,20"}]
[null,"TO THE NATIONAL FLOOD INSURANCE PROGRAM:"]
[null,"At time of loss, by above indicated policy of insurance, you insured the interest of"]
[null,{"$f":"'Insured Info'!C4&'Insured Info'!C6","v":""}]
[]
[null,"against loss by flood to the property described according to the terms and conditions of said policy and of all forms, endorsements, transfers and assignments attached thereto."]
[]
[null,null,"TIME AND ORIGIN.  An increased cost of compliance claim was filed on",{"$nulls":3},"An increased cost of compliance claim was filed on",{"$nulls":16},"The mitigation "]
[{"$nulls":6},"option selected was"]
[null,null,"OCCUPANCY",{"$nulls":3},"The described building was occupied at the time of the flood loss as follows, and for no other purpose whatever as:"]
[]
[]
[null,null,"INTEREST",{"$nulls":3},"No other person or persons had any interest therein or encumbrance thereon except"]
[{"$nulls":6},"1)",{"$nulls":10},"2)"]
[]
[null,null,"1. FULL AMOUNT OF ICC INSURANCE application to the property for which claim is presented is................................",{"$nulls":21},"$30,00"]
[null,null,"2. REPLACEMENT COST VALUE of building structure....................................................................................................."]
[null,null,"3. ACTUAL CASH VALUE of building structure........................................................................................................ ......"]
[null,null,"4. FULL COST OF COMPLIANCE not limited to the amount of ICC coverage...................................................................."]
[null,null,"5. AMOUNT PAID under Coverage A .............................................................................................................................."]
[null,null,"6. AMOUNT PAID under the ICC Coverage D (excluding salvage and subrogation)......................................................."]
[]
[null,null,"By my signature below, I declare that the funds sought herein for Increased Cost of Compliance activities are in accordance with the terms and conditions of the applicable federal laws, regulations and the Standard Flood Insurance Policy; that nothing has been done by or with my knowledge or consent that would violate the conditions of the policy or render it void, and that no attempt to deceive you (the insurer) as to the extent of my loss has been made in any manner.  Any other information that may be required and requested by you (the insurer) will be furnished by me and will be considered a part of this proof of loss."]
[]
[]
[]
[]
[null,null,"\"I understand that I may be provided with an advance payment up to the lesser of 50 % of the maximum ICC coverage or 50% of the covered expenses, to be used only for eligible work under the Increased Cost of Compliance (\"ICC\") provision of my Standard Flood Insurance Policy (\"SFIP\"). If the ICC eligible work for which the funds are advanced is not completed within the time period provided for by the SFIP, or within any written extensions of that time period granted by the Federal Insurance Administrator for completion of eligible work, I agree to refund in full the amount advanced to me. I understand and agree that the advance payment is not an unconditional tender of payment, admission of coverage, or waiver of any of the terms and conditions of the Standard Flood Insurance Policy or the applicable federal laws, rules and regulations. \""]
[]
[]
[]
[]
[]
[]
[null,null,"Subrogation - To the extent of the payment made or advanced under this policy; the insured hereby assigns, transfers and sets over to the insurer all rights, claims or interest that he has against any person, firm or corporation liable for the loss or damage to the property for which payment is made or advanced.  He also hereby authorizes the insurer to sue any such third party in his name"]
[]
[]
[]
[]
[null,null,"The insured hereby warrants that no release has been given or will be given or settlement or compromise made or agreed upon with any third party who may be liable in damages to the insured with respect to the claim being made herein."]
[]
[]
[null,null,"I declare under penalty of perjury that the information contained in the foregoing is true and correct to the best of my knowledge and belief."]
[]
[{"$nulls":4},"Executed this",{"$nulls":4},"day of",{"$nulls":6},","]
[]
[{"$nulls":4},"Signature of Insured"]
[{"$nulls":4},"Signature of Insured"]
[null,"FEMA Form 086-0-10, (10/10)",{"$nulls":7},"REPLACES ALL PREVIOUS EDITION",{"$nulls":13},"F-101"]

{"sheet":"ICC Info","index":9,"n_rows":31,"n_cols":12,"rows_kept":31,"merged":[[14,11,14,18]]}
[]
[]
[]
[]
[{"$nulls":11},"Structure Elevation"]
[{"$nulls":11},"Property Acquisition with Structure Demolition"]
[{"$nulls":11},"Property Acquisition with Structure Relocation:"]
[{"$nulls":11},"Flood-proofing"]
[{"$nulls":11},"Mitigation Reconstruction"]
[]
[]
[]
[{"$nulls":11},"Architectural and engineering fees"]
[{"$nulls":11},"Permitting"]
[{"$nulls":11},"Clear necessary vegetation and prepare path for installation of lifting supports"]
[{"$nulls":11},"Excavation around the dwelling"]
[{"$nulls":11},"Lifting or jacking building "]
[{"$nulls":11},"Temporary support (cribbing)"]
[{"$nulls":11},"Disconnect utility connections "]
[{"$nulls":11},"Extend/modify utility connections "]
[{"$nulls":11},"Re-connect utility connections"]
[{"$nulls":11},"Construction of compliant foundation "]
[]
[{"$nulls":11},"Code upgrade"]
[{"$nulls":11},"Restoring lawn"]
[{"$nulls":11},"Walks, walkways, driveways, and other surfaces outside "]
[{"$nulls":11},"the perimeter exterior walls of the insured "]
[{"$nulls":11},"Fences, retaining walls, seawalls, bulkheads, wharves, "]
[{"$nulls":11},"piers, bridges, and docks"]
[{"$nulls":11},"The additional cost of elevating the risk above the "]
[{"$nulls":11},"minimum required height (BFE or Freeboard) "]