Table of Contents. PART 3: ADJUSTING COMMERCIAL FLOOD CLAIMS UNDER THE NFIP S GENERAL PROPERTY POLICY Lesson 1 Overview of the General Property Form
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1 National Online Flood Adjuster Training Program: The 4-Corners of Flood Insurance Table of Contents PART 3: ADJUSTING COMMERCIAL FLOOD CLAIMS UNDER THE NFIP S GENERAL PROPERTY POLICY Lesson 1 Overview of the General Property Form Chapter Introduction to the GPF and Program Objectives (Audio) Chapter 1.2 Eligibility Chapter 1.3 Residential Risks Other Residential Risks Chapter 1.4 Non Residential Risks Chapter 1.5 Condominium Building Associations Chapter 1.6 GPF: Higher Coverage Limits Building Personal Property Treatment of Deductibles Chapter 1.7 GPF: Four Types of Coverage Coverage A: Building Property Coverage B: Personal Property Coverage C: Other Coverages Coverage D: Increased Cost of Compliance Chapter 1.8 How Flood Damages are Valued Chapter 1.9 Lesson 1 Quiz Lesson 2 Exploring Coverage A Chapter 2.1 Introduction to Coverage A of the GPF (Audio) Chapter 2.2 Important Reminder on Coverage Issues Chapter 2.3 The General Property Form Agreement No Application to Residential Condominium Buildings Chapter 2.4 Definition of Flood in the GPF Chapter 2.5 How is Coverage Triggered? Chapter 2.6 When Does Coverage Apply under the GPF? i
2 Chapter 2.7 Section III: Property Covered Chapter 2.8 Property Removed to Safety Chapter 2.9 Additions & Extensions Chapter 2.10 Fixtures Chapter 2.11 Machinery and Equipment Chapter 2.12 Materials and Supplies Chapter 2.13 Building under Construction Chapter 2.14 Manufactured Homes or Travel Trailers Chapter 2.15 Over the Top Tie-Downs Chapter 2.16 Ground Anchors Chapter 2.17 Property Covered Below the Lowest Elevated Floor (Audio) Defined: Elevated, Post-FIRM Building Chapter 2.18 A Note about Skirting Chapter 2.19 Lesson 2 Quiz Lesson 3 Exploring Coverage B Chapter 3.1 Introduction to Coverage B: Personal Property (Audio) Lesson Objectives Chapter 3.2 What s Covered under Coverage B? Household Property Other than Household Property Inventory or Stock Chapter 3.3 Coverage Limitations to Property Below the Lowest Elevated Floor Exceptions Chapter 3.4 Personal Property Subject to Specific Limits Chapter 3.5 Treatment of Antiques Examples Chapter 3.6 Improvements The Importance of Lease Agreements Chapter 3.7 Improvements for Commercial Condominium Unit Owners ii
3 Chapter 3.8 Lesson 3 Quiz Lesson 4 Coverage for Stock Chapter 4.1 Introduction to Inventory, or Stock (Audio) Lesson Objectives Chapter 4.2 A Stock Example: A Bakery Chapter 4.3 Policy Definition Merchandise Held in Storage Merchandise Held for Sale Raw Materials In-Process or Finished Goods Supplies Used in Packing or Shipping Chapter 4.4 Stock: Parts & Equipment Parts and Equipment for Self-Propelled Vehicles Furnishings & Equipment for Watercraft Spas and Hot Tubs, including their Equipment Swimming Pool Equipment Chapter 4.5 Stock that is NOT Covered Chapter 4.6 Lesson 4 Quiz Lesson 5 Exploring Coverages C & D Chapter 5.1 Lesson Objectives (Audio) Chapter 5.2 What s Covered under Coverage C? Loss Avoidance Measures Property Removed to Safety Loss Remediation Debris Removal Pollution Damage Chapter 5.3 Coverage D: Increased Cost of Compliance (ICC) Chapter 5.4 Lesson 5 Quiz Lesson 6 What s NOT Covered under the General Property Form? Chapter 6.1 Introduction to Property Not Covered (Audio) Chapter 6.2 Property NOT Covered Equipment in Service to Building if Not Attached or Inside Personal Property Not Inside a Fully Enclosed Building Property Entirely In, On, or Over Water Open Structures Recreational Vehicles Self-Propelled Vehicles or Machines iii
4 Land, Plants, or Animals Bills, Currency, Securities, etc. Underground Structures or Equipment Walks, Walkways, Decks, etc. Containers, Tanks, etc. Buildings or Units Below Ground Level Bailee s Property Fences, Seawalls, Docks, etc. Aircraft or Watercraft Hot Tubs, Pools, and Spas Coastal Barrier Property Chapter 6.3 Exclusions Indirect Loss Flood Already in Progress Earth Movement Pressure or Weight of Ice, Freezing or Thawing, Rain, Snow, Sleet, Hail or Water Spray Damaged Caused by Water, Moisture, Mildew, or Mold Caused by Failure to Inspect or Maintain Property after Flood Recedes Water Back-up through Sewers, Drains, Sump Pumps, etc. Other Chapter 6.4 Deductibles Chapter 6.5 Lesson 6 Quiz: An Interactive Case Study Lesson 7 General Conditions under the GPF Chapter 7.1 Pairs and Sets Chapter 7.2 Causes for Voidance of Policy by Insurer Chapter 7.3 Other Insurance Chapter 7.4 Cancellation by Insured Chapter 7.5 Policy Renewal/Nonrenewal Chapter 7.6 Insured s Responsibilities in Case of Loss Chapter Loss Payment to Insured Chapter Salvage & Abandonment Chapter Appraisal Process Chapter Mortgage Clause Chapter Subrogation iv
5 Chapter Continuous Lake Flooding Chapter Loss Settlement Chapter Liberalization Clause Chapter What Law Governs? Chapter 7.16 Lesson 7 Quiz Lesson 8 Inspecting and Scoping the Commercial Loss Chapter 8.1 Introduction to Inspecting and Scoping for Commercial Losses (Audio) Lesson Objectives Chapter 8.2 The First Steps to Adjusting a Commercial Loss Chapter 8.3 First Contact: Different Issues for Different Customers Chapter 8.4 Preparing for the Inspection Chapter 8.5 When Meeting with the Commercial Policyholder Lease Agreements Chapter 8.6 Lease Agreements Chapter 8.7 The Flood Questionnaire Chapter 8.8 Offering an Advance The Advance Request Form Chapter 8.9 An Adjuster s Primary Responsibilities when Inspecting and Scoping a Commercial Loss Chapter 8.10 Inspecting & Scoping the Exterior Chapter 8.11 Photographs Exterior Interior Chapter 8.12 Non-Flood-Related Damage Chapter 8.13 Documenting and Labeling Photographs Chapter 8.14 The Diagram Chapter 8.15 Rule of Thumb on Repair or Replace on a Commercial Loss Chapter 8.11 Concluding the Scope Chapter 8.12 Handling Coverage Issues v
6 Chapter 8.13 Lesson 9 Quiz Lesson 9 Special Loss Adjustment Issues Chapter 9.1 Introduction and Objectives (Audio) Chapter 9.2 Boathouses Partially Over Water Chapter 9.3 Elevators and Dumbwaiters Chapter 9.4 Elevator Equipment Chapter 9.5 Elevator Equipment Below the Base Flood Elevation (BFE) Chapter 9.6 Other Insurance Example A: Primary Example B: Excess Example C: Pro Rata Chapter Commercial Stock Losses Purchased Stock Manufactured Stock Chapter Applying Depreciation to Stock Losses Chapter Bailee Property Chapter 9.11 Special Limits on Commercial Stock Losses Chapter 9.12 Salvage Chapter 9.13 When Should a Salvor be Retained? Chapter 9.14 Questions of First Impression PART 3: FINAL EXAM ADJUSTING COMMERCIAL FLOOD CLAIMS UNDER THE NFIP S GENERAL PROPERTY POLICY ADDENDUM Manuals and Forms NFIP Dwelling Policy NFIP General Property Policy vi
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