NATIONAL FLOOD INSURANCE PROGRAM TRANSACTION RECORD REPORTING AND PROCESSING (TRRP) PLAN 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 PART 1 - INSTRUCTIONS TABLE OF CONTENTS Page INTRODUCTION................................................ 1-1 I. SCOPE OF THE PLAN..................................... 1-1 A. Background Information............................ 1-1 B. Purposes of the Plan.............................. 1-1 C. Recording of Data................................. 1-2 D. Data Record Keys - WYO Prefix Code, PolicyNumbers, and Claim Numbers........................ 1-2 E. Special Data Requirements......................... 1-2 1. Insured Property Address...................... 1-2 2. Insured Mailing Address....................... 1-2 3. Identification of Policyholder................ 1-3 4. Special Loss Information...................... 1-3 F. Reporting Transactions............................ 1-3 G. Data Quality and Financial Reconciliation......... 1-3 II. GENERAL INFORMATION................................... 1-4 A. Coverages......................................... 1-4 B. Premiums.......................................... 1-4 C. Minimum Premium................................... 1-4 D. Expense Constant.................................. 1-5 E. Amounts of Insurance.............................. 1-5 F. Policy Term....................................... 1-5 G. Catastrophe Losses................................ 1-5 H. Deductible Amount................................. 1-5 I. Geographical Division: Community Number, FloodRisk Zone......................................... 1-5 Part 1 1-i Revision 4 (10/1/01) Change 8 Effective 10/1/05 PART 1 - INSTRUCTIONS Table of Contents (Cont’d.) Page J. Classification.................................... 1-5 1. Building Occupancy............................ 1-6 2. Building Type................................. 1-6 3. Basement/Enclosure/Crawlspace Type............ 1-6 4. Special Ownership Type........................ 1-6 5. Special Building Status Type.................. 1-6 6. Obstruction Type.............................. 1-6 7. Lowest Floor Elevation Relative to the Base Flood Elevation or Base Flood Depth........... 1-7 8. Special Certifications........................ 1-7 9. Program Status................................ 1-7 K. Effective Dates and Expiration Dates.............. 1-7 L. Changes in Policies by Endorsement................ 1-8 M. Adjustments....................................... 1-8 N. Accounting Date (WYO Transaction Date)............ 1-8 III. SPECIAL DEFINITIONS................................... 1-8 A. Number of Claims.................................. 1-8 B. Losses............................................ 1-9 C. Allocated Loss Adjustment Expenses................ 1-9 D. Unallocated Loss Adjustment Expenses............. 1-10 E. Deductible Amounts............................... 1-10 F. Amounts of Insurance............................. 1-11 G. Policies-In-Force Statistics..................... 1-11 Part 1 1-ii Revision 4 (10/1/01) Change 12 Effective 5/1/08 D. Expense Constant The Expense Constant in effect as of the effective dateof the policy term is to be included in the writtenpremium on a per policy basis. Effective May 1, 2003, the Expense Constant will be zero dollars. E. Amounts of Insurance Total amounts of insurance must be reported for each ofthe three coverages separately (building, contents, andICC). The basic limits and additional limits for building and contents, and the ICC coverage limit, willbe determined and recorded separately by the NFIP/WYOSystem. F. Policy Term WYO companies may offer a 1-year policy term. The policy term is to be recorded on a per-policy basisaccording to the policy effective date. No mid-term endorsement of the policy can change the policy term. G. Catastrophe Losses Under the NFIP, there are at present two catastrophedesignations. These are: 1. FICO designation 2. FEMA Disaster Declaration Each loss shall be identified by the proper catastrophedesignation, when applicable, in addition to otherrecording requirements. WYO companies will report onlythe FICO designation that is provided to them. H. Deductible Amount Each policy must be identified by the appropriatedeductible amount applicable to the insurance policy. I. Geographical Division: Community Number, Flood RiskZone The appropriate coding shall be recorded on all policytransactions. Information regarding a community'sstatus in the NFIP and valid flood risk zones is provided to WYO companies. J. Classification The appropriate classification data shall be recordedon all policy transactions. The classification data are to be reported unless the data element is Part 1 1-5 Revision 4 (10/1/01) Change 4 Effective 10/1/03 designated as optional (N) or is not listed in Part 3, Section A, of this Plan. The classification criteria under the NFIP are: 1. Building Occupancy a. Single family b. 2-4 family c. Other residential d. Nonresidential 2. Building Type a. One floor b. Two floors c. Three or more floors d. Split level e. Manufactured (mobile) home or travel trailer onfoundation f. Townhouse/Rowhouse with three or more floors(RCBAP Low-rise only) 3. Basement/Enclosure/Crawlspace Type a. Finished b. Unfinished c. None 4. Special Ownership Type a. Condominiums - unit or association b. State government 5. Special Building Status Type a. Building in course of construction b. Principal residence 6. Obstruction Type (combinations are possible) a. Free of obstruction underneath elevated lowest floor b. With obstruction: less than 300 sq. ft. withbreakaway walls underneath the lowest elevatedfloor c. With obstruction: 300 sq. ft. or more withbreakaway walls underneath the lowest elevatedfloor d. With obstruction: machinery or equipmentattached to the building and located underneaththe lowest elevated floor Part 1 1-6 Revision 4 (10/1/01) Change 12 Effective 5/1/08 e. Nonbreakaway walls f. With obstruction underneath lowest elevated floor g. With obstruction: enclosure/crawlspace withproper openings not used in rating (notapplicable in V zones) h. With certification subgrade crawlspace(applicable to zones AE, A01-A30, unnumberedA, AO, AH, AOB, AHB) i. Without certification subgrade crawlspace(applicable to all zones) 7. Lowest Floor Elevation Relative to the Base Flood Elevation or Base Flood Depth This information is recorded as: a. Lowest Floor Elevation (LFE) b. Base Flood Elevation (BFE) c. Lowest Adjacent Grade (LAG) d. LFE Elevation Difference to BFE or BFD 8. Special Certifications a. Floodproofing certification b. Elevation certification - FEMA form or equivalent documentation c. Other elevation certificates d. V-Zone Risk Factor Rating Form - FEMA 81-25 e. Unnumbered V Zone Certification to standards of CFR 44, Sec. 60.3(e) (4) f. Coastal Barrier Resources Act (CBRA) 9. Program Status a. Emergency Program – Post-September 30, 1982, Construction b. Emergency Program - All other c. Pre-FIRM Regular Program d. V-Zone 1975-81 Post-FIRM Regular Program e. V-Zone 1981 Post-FIRM Regular Program f. Other Post-FIRM Regular Program K. Effective Dates and Expiration Dates On premium entries for new business and renewals, thepolicy effective and expiration dates shall berecorded. Part 1 1-7 Revision 4 (10/1/01) Change 12 Effective 5/1/08 On endorsements changing premiums, amounts ofinsurance, previously recorded policy classification, and/or geographical division information, the policyeffective date, policy expiration date, and effectivedate of change must be reported. L. Changes in Policies by Endorsement Changes to the policy records can be made byendorsement. Each endorsement must bear the effective date of the policy and the effective date of thechange, as well as the transaction date to facilitatethe assignment of exposure, amount of insurance, premium and loss to the proper classification, riskzone, community, and program type in the NFIP ActuarialInformation System. This level of detail allows for reconciliation with WYO company financial reports forfinancial control purposes. M. Adjustments Adjustment of errors in the original entries reportedare to be made by the use of the appropriate correctiontransaction or in some cases by the use of a differenttransaction type. The NFIP/WYO System requires that all adjustments tothe policy and claims record be reconciled. Specialcare must be given to ensure changes to classification, geographical division, premiums, amount of insurance, and all claims-related data elements are processedcorrectly as they have a direct bearing on theinformation used to maintain financial control of the WYO Program. N. Accounting Date (WYO Transaction Date) The date on which a policy, loss, or loss adjustmentrelated transaction was recorded on the books of the insurer shall be recorded to facilitate the updating ofexperience compilations. III.SPECIAL DEFINITIONS A. Number of Claims In the NFIP, cases, claims, and closed without paymentsare counted by coverage. The number of losses arecounted by policy. Thus, up to three cases, claims, orclosed without payments (one for each of the building, contents, and ICC coverages) may be associated with onepolicyholder loss. Each loss under a policy isidentified in this Plan by a date of loss. Part 1 1-8 Revision 4 (10/1/01) Effective 10/1/03 PART 3 - REPORTING REQUIREMENTS INTRODUCTION This section lists the data elements to be recorded and reported by WYO insurers. The list identifies the data element and the primary source and indicates whether thereporting is required (Y) or optional (N). Additionally, samples of the following NFIP application and claimforms are included to show the sources of the data elements: • Flood Insurance Application • Flood Insurance Preferred Risk Policy Application • Preliminary Report • Final Report • Cause of Loss and Subrogation Report • Narrative Report WYO Companies are authorized to develop their own application andclaim forms as long as the required data elements are reported. Part 3 3-1 Revision 4 (10/1/01) Effective 10/1/03 I. DATA ELEMENT REQUIREMENTS FOR WRITE YOUR OWN DATA DICTIONARY DATA ELEMENT REQ. PAGE SOURCE POLICY TRANSACTIONS Additional Building Rate Y 4-4 Application, 4L WYO Additional Contents Rate Y 4-5 Application, 4N WYO Base Flood Elevation Y 4-7 Application, 3G Basement/Enclosure/ Y 4-8 Application, 2G Crawlspace Type Basic Building Rate WYO Y 4-9 Application, 4K Basic Contents Rate WYO Y 4-10 Application, 4M Building in Course of Y 4-14 Application, 2N Construction Indicator Cancellation/Voidance Y 4-15 Reason Case File Number for Y 4-44A Application, 1J Disaster Assistance Community Identification Y 4-55 Application, 2A Number Condominium Indicator Y 4-56 Application, 2J, 2KCondominium Master Y 4-60 Application, 2E Policy Units Coverage Required for Y 4-64 Application, 1J Disaster Assistance CRS Classification Y 4-65 Application, 4H Credit Percentage Deductible-Building Y 4-76 Application, 2P Deductible-Contents Y 4-78 Application, 2Q Deductible Percentage Y 4-80 Application WYO *Diagram Number N 4-81 Application, 3D; Elevation Certificate Elevated Building Y 4-84 Application, 2R Indicator Elevation Certificate Y 4-85 Indicator *Elevation Certification Y 4-87 Application; Date Elevation Certificate *Refer to Part 3 – Reporting Requirements, III. Reporting Requirementsfor New/Rollover Indicator, to determine if the Diagram Number and/orthe Elevation Certification Date are required based on reportedNew/Rollover Indicator. Part 3 3-2 Revision 4 (10/1/01) Change 12 Effective 5/1/08 PART 4 - DATA DICTIONARY TABLE OF CONTENTS Page INTRODUCTION................................................4-1 Actual Salvage Recovery.....................................4-2 Actual Salvage Recovery Date................................4-3 Additional Building Rate WYO................................4-4 Additional Contents Rate WYO................................4-5 Alteration Date.............................................4-6 Base Flood Elevation........................................4-7 Basement/Enclosure/Crawlspace Type..........................4-8 Basic Building Rate WYO.....................................4-9 Basic Contents Rate WYO.....................................4-10 Building Claim Payment (ACV or RCV as applicable)...........4-11 Building Claim Payment Recovery.............................4-12 Building Damage Subject to Policy Exclusions (ACV)..........4-13 Building in Course of Construction Indicator................4-14 Cancellation/Voidance Reason................................4-15 Case File Number for Disaster Assistance....................4-44A Catastrophe Number..........................................4-45 Cause of Loss...............................................4-46 Claim/Loss Closed Date......................................4-49 Claim/Loss Reopen Date......................................4-50 Claim Closed Without Payment Reason - Building..............4-51 Claim Closed Without Payment Reason - Contents..............4-52 Claim Closed Without Payment Reason - ICC...................4-53 Coinsurance Claim Settlement Indicator......................4-54 Community Identification Number.............................4-55 Condominium Indicator.......................................4-56 Condominium Master Policy Units.............................4-60 Contents Claim Payment (ACV)................................4-61 Contents Claim Payment Recovery.............................4-62 Contents Damage Subject to Policy Exclusions (ACV)..........4-63 Coverage Required for Disaster Assistance...................4-64 CRS Classification Credit Percentage........................4-65 Damage - Appurtenant (ACV)..................................4-67 Damage - Main (ACV).........................................4-68 Damage to Contents - Appurtenant (ACV)......................4-69 Damage to Contents - Main (ACV).............................4-70 Date of Loss................................................4-71 Deductible - Applicable to Building Claim Payment...........4-72 Deductible - Applicable to Contents Claim Payment...........4-74 Deductible - Building.......................................4-76 Deductible - Contents.......................................4-78 Deductible Percentage WYO...................................4-80 Diagram Number..............................................4-81 Duration Building Will Not Be Habitable.....................4-82 Duration of Flood Waters in the Building....................4-83 Elevated Building Indicator.................................4-84 Elevation Certificate Indicator.............................4-85 Elevation Certification Date................................4-87 Part 4 4-i Revision 4 (10/1/01) Change 12 Effective 5/1/08 PART 4 – DATA DICTIONARY Table of Contents (Cont’d.) Page Elevation Difference........................................4-88 Endorsement Effective Date..................................4-89 Endorsement Premium Amount..................................4-90 Expense Constant............................................4-91 Expense of Contents Removal.................................4-92 Expense of Manufactured (Mobile) Home Removal...............4-93 Exterior Wall Structure Type................................4-94 Exterior Wall Surface Treatment.............................4-95 Factors Related to Cause of Loss............................4-96 Federal Policy Fee..........................................4-97 Federal Policy Fee - Refunded...............................4-98 Final Payment Indicator - Building..........................4-99 Final Payment Indicator - Contents..........................4-100 Final Payment Indicator - ICC...............................4-101 First Lender City...........................................4-102 First Lender Loan Number....................................4-103 First Lender Name...........................................4-104 First Lender State..........................................4-105 First Lender Street Address.................................4-106 First Lender ZIP Code.......................................4-107 Flood Characteristics.......................................4-108 Flood Risk Zone.............................................4-110 Floodproofed Indicator......................................4-112 Foundation Type.............................................4-113 ICC Actual Expense..........................................4-116 ICC Claim Indicator.........................................4-117 ICC Claim Payment...........................................4-118 ICC Claim Payment Recovery..................................4-119 ICC Flood Damage Amount - Prior.............................4-120 ICC Mitigation Indicator....................................4-121 ICC Premium WYO.............................................4-122 ICC Prior Date of Loss......................................4-123 ICC Property Value - Current................................4-124 ICC Property Value - Prior..................................4-125 Insurance to Value Ratio Indicator..........................4-126 Insured First Name..........................................4-127 Insured Last Name...........................................4-128 Location of Contents Indicator..............................4-129 Lowest Adjacent Grade.......................................4-130 Lowest Floor Elevation......................................4-131 Mailing City................................................4-131A Mailing State...............................................4-131B Mailing Street Address......................................4-131C Mailing ZIP Code............................................4-131D Map Panel Number............................................4-132 Map Panel Suffix............................................4-133 Name Format Indicator.......................................4-134 Name or Descriptive Information Indicator...................4-135 New Date of Loss............................................4-136 Part 4 4-ii Revision 4 (10/1/01) Change 10 Effective 5/1/08 DATA ELEMENT: Base Flood Elevation ALIAS: BFE, 100 Year Flood Elevation, 1% Chance of Flooding ACRONYM: Direct (CMF) Base-Fld-Elev-FtDirect (PMF) Base-Flood-Elevation (PMF) WYO (PMF) BASE-FLOOD FILE: Policy Master (PMF) Claims Master (CMF) Elevation Certificate Master (ECMF) Actuarial (APOL) DESCRIPTION: Base Flood Elevation (BFE) is the elevation (or depth in zone AO) at which there is a 1% chance per year of flooding as shown oneffective FIRM in tenths of feet. Value of 9999.0 indicates the field is not reported and/or used for this policy. Floodproofed Policies: For floodproofed policies effective on or after May 1, 2005, theactual value for the LFE, BFE, and elevation difference should bereported. The lowest floor elevation must be at least one footabove the BFE in order to use the floodproofing certificate. EDIT CRITERIA: Numeric - may be positive or negative LENGTH: 6 with an implied decimal of one position DEPENDENCIES: Information is obtained from the Flood Insurance application and the Elevation Certificate. SYSTEM FUNCTION: Used in computing the elevation differencebetween lowest floor and BFE. REPORTING REQUIREMENT: Required on policies with an originalnew business date on or after October 1,1997, and the policy effective date onor after May 1, 2006. Unnumbered ‘A’ Zone policies, Group Flood policies, provisionally rated policies, andtentatively rated policies are excludedfrom reporting the BFE. NOTE: For policies effective prior to May 1, 2006, it is stilladvisable to continue reporting the BFE and LFE (other than9999.0), if available, in order to calculate the correctelevation difference. Part 4 4-7 Revision 4 (10/1/01) Change 11 Effective 5/1/08 DATA ELEMENT: Basement/Enclosure/Crawlspace Type ALIAS: None ACRONYM: WYO (PMF) BASEMENT FILE: Policy Master (PMF) Claims Master (CMF) Recertification Master (RCMF) Actuarial (APOL) DESCRIPTION: Code indicating the type of basement/enclosure/crawlspace in theinsured building. Basement is defined for purposes of the NFIP asany level or story which has its floor subgrade on all sides. An enclosure is that portion of an elevated building below the lowestelevated floor that is either partially or fully shut in by rigidwalls. Crawlspace foundations are commonly used to elevatebuildings located in Special Flood Hazard Areas (SHFAs) at orabove the Base Flood Elevation (BFE). Finished (Habitable) Area: A finished area is a basement or other enclosed area having more than 20 linear feet of finishedwalls (paneling, etc.) or equipped for use as kitchen, diningroom, living room, family or recreational room, bedroom, office, professional or private school, studio occupancies, workshop, orother such uses. Coverage restrictions may apply. Unfinished Area: An unfinished area is a basement or other enclosed area used for parking vehicles and/or storage purposesonly and does not meet the definition of a finished area. Drywallused for fire protection is permitted. Enclosure: To define an enclosure, the following data elements must be present: -Basement/Enclosure/Crawlspace Type is “1” or “2” -Elevated Building Indicator is “Y” -Obstruction Type is “20”, “24”, “30”, “34”, “50”, “54”, or“60” Crawlspace: To define a subgrade crawlspace, the following data elements must be present: -Basement/Enclosure/Crawlspace Type is “2” -Elevated Building Indicator is “N” -Obstruction Type is “70” or “80” EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 0 - None 1 - Finished 2 - Unfinished LENGTH: 1 DEPENDENCIES: Basement-Type in Policy Master and Claims Mastershould be the same. Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Rating Element REPORTING REQUIREMENT: Required Part 4 4-8 Revision 4 (10/1/01) Change 12 Effective 5/1/08 DATA ELEMENT: Case File Number for Disaster Assistance ALIAS: FEMA Registration Number, Disaster Assistance Number, Personal Access Account Number ACRONYM: WYO (PMF) DIS-ASST-CASE-NUM FILE: Policy Master (PMF) DESCRIPTION: The case file number assigned to a disaster aid recipient. EDIT CRITERIA: Alphanumeric LENGTH: 9 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Prevention of duplication of benefits during federally declared disasters and prevention of duplicate flood insurance policies and claims payments. REPORTING REQUIREMENT: This data element is required for policies effective on or afterMay 1, 2008, and designated as receiving disaster assistance(Data Element “Coverage Required for Disaster Assistance” reported with value 1, 2, 3, 4, or 5). Note: If the Case File Number contains more than 9 characters, reportthe first 9 characters, eliminating any embedded specialcharacters such as dashes, slashes, spaces, etc. If the Case File Number contains less than 9 characters, reportthe entire number followed by trailing spaces. Part 4 4-44A Revision 4 (10/1/01) Change 12 Effective 5/1/08 This page is intentionally left blank. Part 4 4-44B Revision 4 (10/1/01) Change 10 Effective 5/1/08 DATA ELEMENT: Community Identification Number ALIAS: Community ID Number, Community Number ACRONYM: CID ID Number Direct (PMF) State-ID and Community-IDDirect (CMF) State-ID Code and Community-IDDirect (COMF) CM-State-ID and CM-Community-IDWYO (PMF) A-Community Community FILE: Policy Master (PMF) Claims Master (CMF) Community Master (COMF) Actuarial (APOL) DESCRIPTION: The Community ID Number is a 6-digit number that uniquelyidentifies each community participating or potentiallyparticipating in the NFIP. The first two digits of the ID Numberare the standard state numeric identifier. The four digitsmaking up the remainder of the ID number are randomly assigned. The ID number is maintained in NFIP files, but the state numericidentifier is a separate data element from the rest of the IDnumber. EDIT CRITERIA: Numeric, must be 6 digits LENGTH: 6 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Key to risk zone data used to rate policies REPORTING REQUIREMENT: Required Part 4 4-55 Revision 4 (10/1/01) Effective 1/17/84 DATA ELEMENT: Condominium Indicator ALIAS: None ACRONYM: WYO (PMF) CONDO FILE: Policy Master (PMF) Recertification Master (RCMF) Actuarial (APOL) DESCRIPTION: This is an indicator of what property is being insured. The property may be: 1. Not a condominium (N). 2. An individual condominium unit owned by a unit owner, orby a condominium association (U). 3. The entire condominium building owned by the associationinsuring building common elements as well as buildingelements (additions and alterations) within all units inthe building, not eligible under Condominium MasterPolicy (A). 4. The entire residential condominium building owned by theassociation eligible under Condominium Master Policy, insuring the entire condominium building common elementsas well as building elements (additions and alterations) within all units in the building, (H) for High-Rise or (L) for Low-Rise. Note: Effective May 1, 2008, condominium indicator “T” (Townhouse/Rowhouse condominium unit) will not be used forPreferred Risk Policies (PRPs). PRPs will be reported withcondominium indicator value “N”, “U”, or “A”. Condominium indicator “U” will designate the property as a condominiumunit or townhouse/rowhouse condominium unit for PRPs. Residential condominium associations eligible under theResidential Condominium Building Association Policy (RCBAP, condominium indicator “H” or “L”) are not eligible for thePRP. Residential Condominiums Residential condominiums are basically four types: 1. A single-family detached building - The condominiumassociation may insure the building under CondominiumMaster Policy using the low-rise limits of coverage andrates. The RCBAP is used. 2. Townhouse/Rowhouse type with a separate entrance foreach unit - The individual unit and its contents may beseparately insured under the Dwelling Form. These are designated as single-family occupancy, single-unitdwellings, and are rated as single-family based on thelowest floor elevation of the unit. Part 4 4-56 Revision 4 (10/1/01) Change 12 Effective 5/1/08 DATA ELEMENT: CRS Classification Credit Percentage ALIAS: CRS Credit ACRONYM: Direct (PMF) CRS-DISCOUNT-PCTWYO (PMF) CRS_CLASS FILE: Community Master File (COMF) Policy Master File (PMF) Community Rating System Table (COMR) DESCRIPTION: The Community Rating System (CRS) Classification CreditPercentage that is used to rate the policy. The insurance premium credit is based on whether a property is inor out of the Special Flood Hazard Area (SFHA), i.e., the A and Vzones as shown on the community's Flood Insurance Rate Map. The premium credit for properties in the SFHA increases according toa community's CRS class. The credit for properties outside ofthe SFHA is 10 percent for Class 1-6 communities and 5 percentfor Class 7-9 communities because premiums in these areas arealready relatively low and can be lowered further through thePreferred Risk Policy. Also, most of the activities undertakento qualify for those classes are implemented only in thefloodplain. The CRS classifications and flood insurance premium credits areshown below: SFHA Non-SFHA Classes Credit* Credit 1 45% ** 10% ** 2 40% ** 10% ** 3 35% ** 10% ** 4 30% ** 10% ** 5 25% ** 10% ** 6 20% ** 10% ** 7 15% ** 5% ** 8 10% ** 5% ** 9 5% 5% 10 0% 0% *For the purpose of determining CRS Premium Discounts, all AR andA99 zones are treated as non-SFHAs. **These percentages are subject to change. Always refer to theFlood Insurance Manual for the latest information. Part 4 4-65 Revision 4 (10/1/01) Change 10 Effective 5/1/08 DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) DESCRIPTION: (Cont’d.) NOTE: The CRS credits will not apply to the following categories andthe CRS Classification Credit Percentage should be reported aszero. • Preferred Risk Policies • Mortgage Portfolio Protection Program (MPPP) Policies • Group Flood Policies • Post-FIRM non-elevated building policies issued or renewedeffective on or after May 1, 2008, where the Lowest FloorElevation (LFE) used for rating is 1 foot or more below theBase Flood Elevation (BFE), mapped in A zones (AE, A01-A30, unnumbered A, AO, AH) or V zones (VE, V01-V30), reportedwith a blank obstruction type. • Post-FIRM elevation-rated policies issued or renewedeffective on or after May 1, 2008, where the LFE used forrating is 1 foot or more below the BFE, mapped in zones AE, A01-A30, unnumbered A, AO, or AH and reported withobstruction types 10, 15, 20, 24, 30, 34, 40, 50, 54, 60, or80 (obstruction type 80 is ‘Without Certification subgradecrawlspace’). Refer to TRRP Data Element ‘Obstruction Type’for additional information on subgrade crawlspace. • Post-FIRM elevation-rated policies issued or renewedeffective on or after May 1, 2008, where the LFE used forrating is 1 foot or more below the BFE, mapped in zones VEor V01-V30, and reported with obstruction types 10, 20, 24,34, 40, 50, 54, 60, or 80). Obstruction types 15 and 70 arenot applicable for V zones in this category. Refer to TRRP Data Element ‘Obstruction Type’ for additional informationon subgrade crawlspace. For policies issued or renewed effective on or after May 1, 2008, the CRS Classification Credit Percentage is allowed for the following categories: • Post-FIRM non-elevated building policies effective on orafter May 1, 2008, with elevation difference equal to orgreater than zero, mapped in A zones (AE, A01-A30, unnumbered A, AOB, AHB) or V zones (VE, V01-V30), reportedwith a blank obstruction type. Part 4 4-66 Revision 4 (10/1/01) Change 12 Effective 5/1/08 DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) DESCRIPTION: (Cont’d.) • Post-FIRM elevation-rated policies, regardless of elevationdifference, mapped in A zones (AE, A01-A30, unnumbered A, AO, AH), reported with obstruction type 70 (WithCertification subgrade crawlspace). Note: The insured must provide a letter from a community official certifying thatthe subgrade crawlspace was built in compliance with theNFIP requirements for crawlspace construction, as outlinedin FEMA Technical Bulletin 11-01. Also refer to TRRP Data Element ‘Obstruction Type’ for additional information onsubgrade crawlspace. • Post-FIRM elevated building policies, regardless of elevation difference, mapped in V zones (VE, V01-V30), reported with obstruction type 30. • Post-FIRM elevation-rated policies with elevation differenceequal to or greater than zero, mapped in A zones (AE, A01A30, unnumbered A, AOB, AHB) or V zones (VE, V01-V30), reported with any valid obstruction type. • Pre-FIRM policies (with and without elevation) mapped in Azones (AE, A01-A30, unnumbered A, AO, AH) or V zones (VE, V01-V30, unnumbered V), reported with any valid obstructiontype. • Post-FIRM non-elevated building policies, not elevation rated in AO or unnumbered A zones. • Pre-FIRM and Post-FIRM policies (with and without elevation) mapped in B, C, D, X, A99, AR/AR dual zones, reported withany valid obstruction type. NOTE: Since Obstruction type 60 is a default value for ‘unknown’, WYOcompanies are encouraged to verify the reported obstruction typefor insured properties. Obstruction type 60 should be usedcarefully as this will impact the CRS credit percentage. Effective May 1, 2008, please refer to the CRS Matrices on the following pages in determining CRS eligibility/ineligibility. EDIT CRITERIA: Numeric, see preceding table of credits foracceptable values. LENGTH: 2 DEPENDENCIES: Information is obtained from the Flood Insurance Application and the NFIP Flood Insurance Manual. SYSTEM FUNCTION: Premium Computation REPORTING REQUIREMENT: Required Part 4 4-66A Revision 4 (10/1/01) Change 12 Effective 5/1/08 DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) CRS REPORTING REQUIREMENTS – Effective May 1, 2008: A. Introduction Effective May 1, 2008, flood insurance policies formost buildings that are rated as having the lowestfloor 1 foot or more below the Base Flood Elevation (BFE) will no longer be eligible for the community’sCRS discount. The following CRS Matrices are provided to assist WYOcompanies in quickly and accurately determining anaffected building’s eligibility or ineligibility forthe CRS discount on the basis of the building’sreported elevation difference, obstruction type, andflood risk zone. B. CRS Matrices Post-FIRM AE, A01-A30 Zones ELEVATION DIFFERENCE No Elevation Below the Zero or (+999)BFE above the Tentative or (-) BFE (+) Provisional Rates Only OBSTRUCTION TYPE Blank (Non- elevated NO YES YES buildings only) 10 NO YES YES 15 NO YES YES 20 NO YES YES 24 NO YES YES 30 NO YES YES 34 NO YES YES 40 NO YES YES 50 NO YES YES 54 NO YES YES 60 NO YES YES 70 YES YES YES 80 NO YES YES Notes: ‘NO’ = CRS discount is not allowed (report CRS discount as zero)‘YES’ = CRS discount is allowed Part 4 4-66B Revision 4 (10/1/01) Change 12 Effective 5/1/08 DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) CRS REPORTING REQUIREMENTS – Effective May 1, 2008: (Cont’d) Post-FIRM Unnumbered A Zones OBSTRUCTION TYPE Blank (Non- elevated buildings only) ELEVATION DIFFERENCE Below the Estimated BFE or LFE below HAG (-) NO Zero or above the Est. BFE or above HAG (+) YES No Elevation (+999) YES 10 NO YES YES 15 NO YES YES 20 NO YES YES 24 NO YES YES 30 NO YES YES 34 NO YES YES 40 NO YES YES 50 NO YES YES 54 NO YES YES 60 NO YES YES 70 YES YES YES 80 NO YES YES Notes: ‘NO’ = CRS discount is not allowed (report CRS discount as zero)‘YES’ = CRS discount is allowed Part 4 4-66C Revision 4 (10/1/01) Change 12 Effective 5/1/08 DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) CRS REPORTING REQUIREMENTS – Effective May 1, 2008: (Cont’d) Post-FIRM AO, AH Zones OBSTRUCTION TYPE Blank (Non- elevated buildings only) ELEVATION DIFFERENCE Below the BFE or Base Flood Depth(-) NO Zero or above the BFE or Base Flood Depth(+) YES No Elevation or Rated UsingTentative or Provisional Rates(+999) YES 10 NO YES YES 15 NO YES YES 20 NO YES YES 24 NO YES YES 30 NO YES YES 34 NO YES YES 40 NO YES YES 50 NO YES YES 54 NO YES YES 60 NO YES YES 70 YES YES YES 80 NO YES YES Notes: ‘NO’ = CRS discount is not allowed (report CRS discount as zero)‘YES’ = CRS discount is allowed Part 4 4-66D Revision 4 (10/1/01) Change 12 Effective 5/1/08 Notes: ‘NO’ = CRS discount is not allowed (report CRS discount as zero)‘YES’ = CRS discount is allowed Part 4 4-66E Revision 4 (10/1/01) Change 12 Effective 5/1/08 DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) CRS REPORTING REQUIREMENTS – Effective May 1, 2008: (Cont’d.) Post-FIRM AOB, AHB Zones OBSTRUCTION TYPE Blank (Non- elevated buildings only) ELEVATION DIFFERENCE Below the BFE or Base Flood Depth(-) N/A Zero or above the BFE or Base Flood Depth (+) YES No Elevation (+999) (AOB only) YES 10 N/A YES YES 15 N/A YES YES 20 N/A YES YES 24 N/A YES YES 30 N/A YES YES 34 N/A YES YES 40 N/A YES YES 50 N/A YES YES 54 N/A YES YES 60 N/A YES YES 70 YES YES YES 80 N/A YES YES DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) CRS REPORTING REQUIREMENTS – Effective May 1, 2008: (Cont’d.) Post-FIRM VE, V01-V30, Unnumbered V Zones OBSTRUCTION TYPE Blank (Non- elevated buildings only) ELEVATION DIFFERENCE Below the BFE (-) NO Zero or above the BFE (+) YES No Elevation Unnumbered V Zone or Rated UsingTentative or Provisional Rates(+999) YES 10 NO YES YES 15 N/A N/A N/A 20 NO YES YES 24 NO YES YES 30 YES YES YES 34 NO YES YES 40 NO YES YES 50 NO YES YES 54 NO YES YES 60 NO YES YES 70 N/A N/A N/A 80 NO YES YES Notes: ‘NO’ = CRS discount is not allowed (report CRS discount as zero)‘YES’ = CRS discount is allowed Obstruction Types 15 and 70 are not applicable to zones VE, V01-V30, and unnumbered V. Part 4 4-66F Revision 4 (10/1/01) Change 12 Effective 5/1/08 DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) CRS REPORTING REQUIREMENTS – Effective May 1, 2008: (Cont’d.) Pre-FIRM AE, A01-A30, Unnumbered A Zones Notes: ‘NO’ = CRS discount is not allowed (report CRS discount as zero)‘YES’ = CRS discount is allowed Part 4 4-66G Revision 4 (10/1/01) Change 12 Effective 5/1/08 OBSTRUCTION TYPE Blank (Non- elevated buildings only) ELEVATION DIFFERENCE Below the BFE or Estimated BFE or LFE below HAG (-) YES Zero or above the BFE or Est. BFE or LFE Above HAG(+) YES No Elevation (+999) YES 10 YES YES YES 15 YES YES YES 20 YES YES YES 24 YES YES YES 30 YES YES YES 34 YES YES YES 40 YES YES YES 50 YES YES YES 54 YES YES YES 60 YES YES YES 70 YES YES YES 80 YES YES YES DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) CRS REPORTING REQUIREMENTS – Effective May 1, 2008: (Cont’d.) Pre-FIRM AO, AH Zones OBSTRUCTION TYPE Blank (Non- elevated buildings only) ELEVATION DIFFERENCE Below the BFE or Base Flood Depth(-) YES Zero or above the BFE or Base Flood Depth(+) YES No Elevation (+999) YES 10 YES YES YES 15 YES YES YES 20 YES YES YES 24 YES YES YES 30 YES YES YES 34 YES YES YES 40 YES YES YES 50 YES YES YES 54 YES YES YES 60 YES YES YES 70 YES YES YES 80 YES YES YES Notes: ‘NO’ = CRS discount is not allowed (report CRS discount as zero)‘YES’ = CRS discount is allowed Part 4 4-66H Revision 4 (10/1/01) Change 12 Effective 5/1/08 DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) CRS REPORTING REQUIREMENTS – Effective May 1, 2008: (Cont’d.) Pre-FIRM AOB, AHB Zones OBSTRUCTION TYPE Blank (Non- elevated buildings only) ELEVATION DIFFERENCE Below the BFE or Base Flood Depth(-) YES Zero or above the BFE or Base Flood Depth (+) YES No Elevation (+999) AOB only YES 10 YES YES YES 15 YES YES YES 20 YES YES YES 24 YES YES YES 30 YES YES YES 34 YES YES YES 40 YES YES YES 50 YES YES YES 54 YES YES YES 60 YES YES YES 70 YES YES YES 80 YES YES YES Notes: ‘NO’ = CRS discount is not allowed (report CRS discount as zero)‘YES’ = CRS discount is allowed Part 4 4-66I Revision 4 (10/1/01) Change 12 Effective 5/1/08 DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) CRS REPORTING REQUIREMENTS – Effective May 1, 2008: (Cont’d.) Pre-FIRM VE, V01-V30, Unnumbered V Zones OBSTRUCTION TYPE Blank (Non- elevated buildings only) ELEVATION DIFFERENCE Below the BFE (-) YES Zero or above the BFE (+) YES No Elevation (+999) YES 10 YES YES YES 15 N/A N/A N/A 20 YES YES YES 24 YES YES YES 30 YES YES YES 34 YES YES YES 40 YES YES YES 50 YES YES YES 54 YES YES YES 60 YES YES YES 70 N/A N/A N/A 80 YES YES YES Notes: ‘NO’ = CRS discount is not allowed (report CRS discount as zero)‘YES’ = CRS discount is allowed Obstruction Types 15 and 70 are not applicable to zones VE, V01-V30, and unnumbered V. Part 4 4-66J Revision 4 (10/1/01) Change 12 Effective 5/1/08 DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) CRS REPORTING REQUIREMENTS – Effective May 1, 2008: (Cont’d.) Pre-FIRM and Post-FIRM B, C, D, X, A99, AR/AR Dual Zones OBSTRUCTION TYPE Blank (Non- elevated buildings only) ELEVATION DIFFERENCE Below the BFE (-) YES Zero or above the BFE (+) YES No Elevation (+999) YES 10 YES YES YES 15 YES YES YES 20 YES YES YES 24 YES YES YES 30 YES YES YES 34 YES YES YES 40 YES YES YES 50 YES YES YES 54 YES YES YES 60 YES YES YES 70 N/A N/A N/A 80 YES YES YES Notes: ‘NO’ = CRS discount is not allowed (report CRS discount as zero)‘YES’ = CRS discount is allowed Obstruction Type 70 is not applicable to B, C, D, X, A99, AR/AR Dual zones. Part 4 4-66K Revision 4 (10/1/01) Change 12 Effective 5/1/08 This page is intentionally left blank. Part 4 4-66L Revision 4 (10/1/01) Change 12 Effective 5/1/08 DATA ELEMENT: Obstruction Type ALIAS: None ACRONYM: WYO (PMF) OBSTRUCTION FILE: Policy Master (PMF) Actuarial (APOL) DESCRIPTION: This describes the type of obstruction that may be present underan elevated building. An obstruction includes an enclosed area and/or machinery and equipment attached to the building below thelowest elevated floor. Enclosed Area: An enclosure is that portion of an elevatedbuilding below the lowest elevated floor that is either partiallyor fully shut in by rigid walls. Certain areas are considered to be free of obstruction if the areas have: (1) insect screening, provided that no additionalsupports are required for the screening; or (2) wooden or plasticlattice with at least 40 percent of its area open and made ofmaterial no thicker than ½ inch; or (3) wooden or plastic slatsor shutters with at least 40 percent of their area open and madeof material no thicker than 1 inch. In zones other than V, Vl-V30, and VE, unfinished enclosed areasconstructed with openings, such as with parallel shear walls, open lattice walls, discontinuous foundation walls, orcombination thereof, to facilitate the free movement of water, are not considered to be obstructions. Machinery and equipment attached to a building below the lowestelevated floor and below the BFE are always considered to beobstructions, whether or not they are enclosed. In Zones V, Vl-V30, and VE, solid breakaway walls, nonbreakawaywalls, or finished areas below the lowest elevated floor arealways considered to be an obstruction. Subgrade Crawlspace: Buildings with subgrade crawlspaces areeligible for the community’s CRS discount provided that they havea letter from a community official certifying that the subgradecrawlspace is built in compliance with the NFIP requirements forcrawlspace construction, as outlined on pages 3-5 of FEMA Technical Bulletin 11-01, Crawlspace Construction for BuildingsLocated in Special Flood Hazard Areas. In addition to meetingthe NFIP requirements applicable to all crawlspace constructionin Special Flood Hazard Areas (SFHAs), buildings with subgradecrawlspaces must also meet special requirements for subgradecrawlspaces. These additional requirements are as follows: • The interior grade of a crawlspace below the BFE must not bemore than 2 feet below the lowest adjacent exterior grade(LAG). Part 4 4-141 Revision 4 (10/1/01) Change 12 Effective 5/1/08 DATA ELEMENT: Obstruction Type (Cont’d.) DESCRIPTION: (Cont’d.) • The height of the below-grade crawlspace, measured from theinterior grade of the crawlspace to the top of thecrawlspace foundation wall, must not exceed 4 feet at anypoint. • There must be an adequate drainage system that removes floodwaters from the interior area of the crawlspace. • The velocity of flood waters at the site should not exceed 5feet per second for any crawlspace. The full text of the NFIP requirements for subgrade crawlspaceconstruction can be found in FEMA Technical Bulletin 11-01, whichis available online at http://www.fema.gov/pdf/fima/tb1101.pdf. EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 10 - Free of obstruction (See NOTE) 15 - With obstruction: enclosure/crawlspace withproper openings not used for rating (notapplicable in V Zones) 20 - With obstruction: less than 300 sq. ft. with breakaway walls, but no machinery orequipment attached to building below lowestelevated floor, or the elevation of themachinery or equipment is at or above theBase Flood Elevation 24 - With obstruction: less than 300 sq. ft. with breakaway walls and with machinery orequipment attached to building below lowestelevated floor. The elevation of the machinery or equipment is below the BaseFlood Elevation. 30 - With obstruction: 300 sq. ft. or more withbreakaway walls, but no machinery orequipment attached to building below theBase Flood Elevation 34 - With obstruction: 300 sq. ft. or more withbreakaway walls and with machinery orequipment attached to building below theBase Flood Elevation Part 4 4-142 Revision 4 (10/1/01) Change 12 Effective 5/1/08 DATA ELEMENT: Obstruction Type (Cont'd.) EDIT CRITERIA: (Cont'd.) 40 - With obstruction: no walls, but theelevation of machinery or equipmentattached to building is below Base FloodElevation (NOTE: Use Obstruction Type “10” and Without Obstruction Rate Table if the elevation of machinery or equipment is ator above the Base Flood Elevation.) 50 - With obstruction: nonbreakaway walls withno machinery or equipment attached tobuilding below lowest elevated floor 54 - With obstruction: nonbreakaway walls withmachinery or equipment attached to buildingbelow lowest elevated floor 60 - With obstruction 70 – With Certification subgrade crawlspace(AE, A01-A30, unnumbered A, AO, AH, AOB, AHB zones) 80 – Without Certification subgrade crawlspace(all zones) LENGTH: 2 DEPENDENCIES: Information is obtained from the Flood Insurance Application. SYSTEM FUNCTION: Rating Element REPORTING REQUIREMENT: Required NOTE: If the Original New Business date is on or after October1, 2001, and the Elevated Building indicator is ‘N’ (notelevated), then the Obstruction Type must be blank. Prior to October 1, 2001, the obstruction type can be either‘10’ or blank. For policies with effective dates on or after May 1, 2008, and the Elevated Building indicator is ‘N’, theObstruction Type must be blank, ‘70’, or ‘80’. Part 4 4-142A Revision 4 (10/1/01) Change 12 Effective 5/1/08 This page is intentionally left blank. Part 4 4-142B Revision 4 (10/1/01) Change 12 Effective 5/1/08 DATA ELEMENT: Risk Rating Method (Cont'd.) DESCRIPTION: (Cont'd.) Provisional Rating: Provisional rating is available to enable theplacement of coverage prior to receipt of the Elevation Certificate. An Elevation Certificate and conversion to standard rating is stillrequired. Provisionally rated policies cannot be renewed or rewrittenwith provisional rates. Provisionally rated policies cannot beendorsed to increase coverage limits until the required elevationinformation is received. Failure to obtain the Elevation Certificate could result in reduced coverage limits at the time of a loss. Provisional rates may be used in writing new business whether ornot the 30 day waiting period is applicable. The policy term is 1year. Policies rated using provisional rates are subject to CRSdiscounts, probation surcharges, and optional deductiblerelativities, as applicable. The Expense Constant and FederalPolicy Fee also apply to policies rated using provisional rates. Preferred Risk Policy (PRP): Prior to May 1, 2004, this policy wasavailable for one- to four-family residential buildings only andsolely in B, C, and X zones. Effective May 1, 2004, this policywill also be available for other residential and non-residential buildings solely in B, C and X zones. There are various levels of coverage that may be chosen. The amounts for each option are fixed and cannot vary and include bothbuilding and contents coverage. Effective May 1, 2004, contents- only coverage will be available for PRP policies. Premiums, likewise, are flat and fixed, with no rates, and varyonly for basement and no-basement structures. Effective May 1,2004, premiums for contents-only PRP policies will vary dependingupon the specific location of contents reported, regardless of the basement/enclosure/crawlspace type. The only deductible availableis the standard $500.00. Tentative Rate: Tentative rates, which are generally higher thanthe normal manual rates, are used to issue policies when producersfail to provide the required actuarial rating information such as avalid Elevation Certificate. By applying tentative rates, theagent can generate a policy with coverage limits based on theactual premium received. Tentatively rated policies cannot beendorsed to increase coverage limits, or renewed for another policyterm, until the required actuarial rating information and fullpremium payment are received. Note: Effective May 1, 2004, tentative rates can be used only onceon new business or renewal transactions. Any subsequent renewalsusing tentative rates will be in error. Mortgage Portfolio Protection Program (MPPP) Policies: MPPP policies are allowed only in conjunction with mortgage portfolioreviews and the servicing of those portfolios by lenders andmortgage servicing companies. Policies are written because the mortgagor did not respond to previous notices to purchase coverageand show evidence of such. Policies under the MPPP will be for one term only and can be renewed but not automatically. Part 4 4-181 Revision 4 (10/1/01) Change 12 Effective 5/1/08 DATA ELEMENT: Risk Rating Method (Cont'd.) DESCRIPTION: (Cont'd.) The following data elements are required to be reported for MPPPpolicies: 1. WYO Transaction Code 2. WYO Transaction Date 3. WYO Prefix Code 4. Policy Number 5. Policy Effective Date 6. Policy Expiration Date 7. Name or Descriptive Information Indicator 8. Property Street Address 9. Property City 10. Property State 11. Property ZIP Code 12. Community Identification Number 13. Map Panel Number 14. Map Panel Suffix 15. Flood Risk Zone 16. Occupancy Type 17. Total Amount of Insurance - Building 18. Total Amount of Insurance - Contents 19. Total Calculated Premium 20. Risk Rating Method 21. Insured Last Name 22. Condominium Indicator 23. Regular/Emergency Program Indicator 24. Insured First Name 25. Name Format Indicator 26. Mailing City 27. Mailing State 28. Mailing Street Address 29. Mailing ZIP Code Optional Post-1981 V Zone Rate: Pre-FIRM and Post-FIRM 1975-1981 buildings in Zones VE and V01-V30 are allowed to use Post-1981V Zone rates if the rates are more favorable to the insured. In order to qualify, the following criteria must be met: • The policy must be rated using the BFE printed on the FIRMthat includes wave height. • The building rates are determined based on the ratio of theestimated building replacement cost and amount of insurancepurchased. • The effective date of the FIRM or the reported map panel dateis on or after October 1, 1981. • The building must be either elevated free of obstruction orwith breakaway wall obstruction less than 300 square feet. All machinery and equipment below the BFE are consideredobstructions. Group Flood Insurance Policy (GFIP): This policy provides atemporary mechanism for the recipients of IFG (Individual andFamily Grant) and IHP (Individual and Households Grant Program) disaster assistance – generally low-income persons – to haveflood insurance coverage for a period of three years following Part 4 4-182 Revision 4 (10/1/01) Change 10 Effective 5/1/08 PART 5 - CODES TABLE OF CONTENTS Page INTRODUCTION................................................5-1 Basement/Enclosure/Crawlspace Type..........................5-1 Building Damage Subject to Policy Exclusions (ACV)..........5-1 Building in Course of Construction Indicator................5-1 Cancellation/Voidance Reason................................5-1 Cause of Loss...............................................5-2 Claim Closed Without Payment Reason - Building..............5-2 Claim Closed Without Payment Reason - Contents..............5-2 Claim Closed Without Payment Reason - ICC...................5-3 Claim Status Indicator......................................5-3 Coinsurance Claim Settlement Indicator......................5-3 Community Identification Number.............................5-3 Condominium Indicator.......................................5-3 Contents Damage Subject to Policy Exclusions (ACV)..........5-4 Coverage Required for Disaster Assistance...................5-4 Deductible - Applicable to Building Claim Payment...........5-4 Deductible - Applicable to Contents Claim Payment...........5-5 Deductible - Building.......................................5-5 Deductible - Contents.......................................5-5A Duration Building Will Not Be Habitable.....................5-5A Elevated Building Indicator.................................5-5A Elevation Certificate Indicator.............................5-6 Exterior Wall Structure Type................................5-6 Exterior Wall Surface Treatment.............................5-6 Factors Related to Cause of Loss............................5-7 Final Payment Indicator - Building..........................5-7 Final Payment Indicator - Contents..........................5-7 Final Payment Indicator - ICC...............................5-7 Flood Characteristics.......................................5-7 Floodproofed Indicator......................................5-8 Foundation Type.............................................5-8 ICC Claim Indicator.........................................5-8 ICC Mitigation Indicator....................................5-8 Insurance to Value Ratio Indicator..........................5-9 Location of Contents Indicator..............................5-9 Name Format Indicator.......................................5-9 Name or Descriptive Information Indicator...................5-9 New/Rollover Indicator......................................5-9 Number of Floors (Including Basement)/Building Type.........5-9 Obstruction Type............................................5-10 Occupancy Type..............................................5-11 Policy Status Indicator.....................................5-11 Policy Term Indicator.......................................5-11 Post-FIRM Construction Indicator............................5-11 Premium Payment Indicator...................................5-11 Part 5 5-i Revision 4 (10/1/01) Change 12 Effective 5/1/08 PART 5 - CODES Table of Contents (Cont’d.) Page Principal Residence Indicator...............................5-11 Regular/Emergency Program Indicator.........................5-11 Repetitive Loss Target Group Indicator......................5-11 Replacement Cost Indicator..................................5-12 Risk Rating Method..........................................5-12 Special Expense Type........................................5-12 State-Owned Property........................................5-12 Substantial Improvement Indicator...........................5-12 Value of Building Items Subject to Policy Exclusions (ACV)..5-12 Value of Contents Items Subject to Policy Exclusions (ACV)..5-13 WYO Transaction Code........................................5-13 1981 Post-FIRM V Zone Certification Indicator...............5-14 Part 5 5-ii Revision 4 (10/1/01) Change 6 Effective 5/1/04 PART 5 - CODES INTRODUCTION This section documents the coding scheme used to record NFIP/WYOinsurance information. BASEMENT/ENCLOSURE/CRAWLSPACE TYPE DESCRIPTION CODE None 0 Finished 1 Unfinished 2 BUILDING DAMAGE SUBJECT TO 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 BUILDING IN COURSE OF CONSTRUCTION INDICATOR DESCRIPTION CODE Yes Y No N CANCELLATION/VOIDANCE REASON DESCRIPTION CODE Building Sold or Removed 01 Contents Sold or Removed (for Contents-Only Policy) 02 Policy Canceled and Rewritten to Establish a Common Expiration Date with Other Insurance Coverage 03 Duplicate NFIP Policies 04 Nonpayment 05 Risk Not Eligible for Coverage 06 Property Closing Did Not Occur 08 Insurance No Longer Required by Mortgagee Because Property Is No Longer Located in a Special Flood Hazard Area Due to Physical Map Revision 09 Other: Continuous Lake Flooding or Closed Basin Lakes 10 Nonpayment/No Refund (No longer valid) 11 Insurance No Longer Required Based on FEMA Review of Lender's Special Flood Hazard Area Determination 16 Duplicate Policies from Sources Other Than the NFIP 17 Mid-Term Cancellation of a 3-Year Policy to Obtain ICC Coverage 18 Mortgage Paid Off on a Mortgage Portfolio ProtectionProgram (MPPP) Policy (combined with 52) 19 Part 5 5-1 Revision 4 (10/1/01) Change 12 Effective 5/1/08 CANCELLATION/VOIDANCE REASON (Cont’d.) DESCRIPTION CODE Insurance No Longer Required by Mortgagee Because Structure Has Been Removed from Special Flood Hazard Area by Means of Letter of Map Amendment (LOMA) or Letter of Map Revision (LOMR) 20 Policy Was Written to the Wrong Facility (Repetitive Loss Target Group) 21 Cancel/Rewrite Due to Misrating 22 Fraud 23 Cancel/Rewrite Due to Map Revision 24 Condominium Policy (Unit or Association) Converting to RCBAP 45 Policy Not Required by Mortgagee 50 Mid-Term Voidance of 3-Year Policy Due to Cessation of Community Participation in the NFIP 51 Mortgage Paid Off 52 Voidance Prior to Effective Date 60 Voidance Due to Credit Card Error 70 CAUSE OF LOSS DESCRIPTION CODE Other Causes 0 Tidal Water Overflow 1 Stream, River, or Lake Overflow 2 Alluvial Fan Overflow 3 Accumulation of Rainfall or Snowmelt 4 Erosion – Demolition 7 Erosion – Removal 8 Earth Movement, Landslide, Land Subsidence, Sinkholes, etc. 9 Closed Basin Lake A Expedited Claim Handling Process Without Site Inspection B Expedited Claim Handling Process Follow-up Site Inspection C Expedited Claim Handling Process by Adjusting Process Pilot Program D CLAIM CLOSED WITHOUT PAYMENT REASON - BUILDING CLAIM CLOSED WITHOUT PAYMENT REASON - CONTENTS DESCRIPTION CODE Claim denied that was less than deductible 01 Seepage 02 Backup drains 03 Shrubs not covered 04 Sea wall 05 Not actual flood 06 Loss in progress 07 Failure to pursue claim 08 Debris removal only 09 Fire 10 Part 5 5-2 Revision 4 (10/1/01) Change 8.1 Effective 10/1/05 INSURANCE TO VALUE RATIO INDICATOR DESCRIPTION CODE Less than .50 1 .50 - .74 2 .75 or More 3 LOCATION OF CONTENTS INDICATOR DESCRIPTION CODE Basement Only 1 Basement and Above 2 Lowest Floor Only Above Ground Level 3 Lowest Floor Above Ground Level and Higher Floors 4 Above Ground Level More Than One Full Floor 5 Manufactured (Mobile) Home or Travel Trailer on Foundation 6 NAME FORMAT INDICATOR DESCRIPTION CODE Person P Group G NAME OR DESCRIPTIVE INFORMATION INDICATOR DESCRIPTION CODE Name N Descriptive D NEW/ROLLOVER INDICATOR DESCRIPTION CODE New Issue N Rollover/Renewal R Rollover/Renewal with Elevation Certification Date Prior to October 1, 1997 (effective May 1, 2005, code no longer valid) E Rewritten for TRRP Cancellation Reason Codes 22 and 24 Z NUMBER OF FLOORS (INCLUDING BASEMENT)/BUILDING TYPE DESCRIPTION CODE One Floor Two Floors Three or More Floors Split-LevelManufactured (Mobile) Home or Travel Trailer on FoundationTownhouse/Rowhouse with three or more floors (RCBAP Low-rise only) 6 Part 5 5-9 Revision 4 (10/1/01) Change 7 Effective 5/1/05 OBSTRUCTION TYPE DESCRIPTION CODE Free of obstruction 10 With obstruction: enclosure/crawlspace with properopenings not used for rating (not applicable in V zones) 15 With obstruction: less than 300 sq. ft. withbreakaway walls, but no machinery or equipmentattached to building below lowest elevated floor, orelevation of machinery/equipment is at or above BaseFlood Elevation 20 With obstruction: less than 300 sq. ft. withbreakaway walls and with machinery or equipmentattached to building below lowest elevated floor, andelevation of machinery/equipment is below Base FloodElevation 24 With obstruction: 300 sq. ft. or more withbreakaway walls, but no machinery or equipmentattached to building below the Base Flood Elevation 30 With obstruction: 300 sq. ft. or more withbreakaway walls and with machinery or equipmentattached to building below the Base Flood Elevation 34 With obstruction: no walls, but the elevation of machineryor equipment attached to building is below Base FloodElevation (NOTE: Use Obstruction Type “10” and WithoutObstruction Rate Table if the elevation of machinery/ Equipment is at or above Base Flood Elevation.) 40 With obstruction: nonbreakaway walls with no machineryor equipment attached to building below lowest elevatedfloor 50 With obstruction: nonbreakaway walls with machineryor equipment attached to building below lowestelevated floor 54 With obstruction 60 With Certification subgrade crawlspace (AE, A01-A30, unnumbered A, AO, AH, AOB, AHB zones) 70 Without Certification subgrade crawlspace (applicable toall zones) 80 OCCUPANCY TYPE DESCRIPTION CODE Single-Family 1 Two- to Four-Family 2 Other Residential 3 Nonresidential 4 Part 5 5-10 Revision 4 (10/1/01) Change 12 Effective 5/1/08 PART 6 - RECORD LAYOUTS INTRODUCTION This section provides a description of the record layout for eachsystem transaction. The description includes the field lengthand record position. Each transaction has the possibility of a"Record A" and a "Record B." The "Record A" designates thosedata elements that are required and the "Record B" the optionaldata elements for the transaction. Each transaction is presentedin a narrative form. Part 6 6-1 Revision 4 (10/1/01) Effective 10/1/89 11 New Business Field Record Record A Length Position Transaction Code (11A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Policy Effective Date 8 27-34 Policy Expiration Date 8 35-42 Name or Descriptive Information Indicator 1 43 Property Beginning Street Number 10 44-53 Property Address 1 50 54-103 Property Address 2 50 104-153 Property City 30 154-183 Property State 2 184-185 Property ZIP Code 9 186-194 Case File Number for Disaster Assistance 9 195-203 Coverage Required for Disaster Assistance 1 204 Community Identification Number 6 205-210 Map Panel Number 4 211-214 Map Panel Suffix 1 215 Regular/Emergency Program Indicator 1 216 Flood Risk Zone 3 217-219 Occupancy Type 1 220 Number of Floors (Including Basement)/ Building Type 1 221 Basement/Enclosure/Crawlspace Type 1 222 Condominium Indicator 1 223 State-Owned Property 1 224 Building in Course of Construction Indicator 1 225 Deductible - Building 1 226 Deductible - Contents 1 227 Elevated Building Indicator 1 228 Obstruction Type 2 229-230 Location of Contents Indicator 1 231 Original Construction Date/Substantial Improvement Date 8 232-239 Post-FIRM Construction Indicator 1 240 Elevation Difference 4 241-244 Floodproofed Indicator 1 245 Total Amount of Insurance - Building 8 246-253 Total Amount of Insurance - Contents 5 254-258 Total Calculated Premium 7 259-265 Risk Rating Method 1 266 Policy Term Indicator 1 267 Premium Payment Indicator 1 268 New/Rollover Indicator 1 269 Filler 8 270-277 Insurance to Value Ratio Indicator 1 278 Elevation Certificate Indicator 1 279 1981 Post-FIRM V Zone Certification Ind. 1 280 Condominium Master Policy Units 3 281-283 Insured Last Name 25 284-308 Insured First Name 25 309-333 The Taxpayer Identification Number has been removed from the TRRPtransaction, effective May 1, 2008. Part 6 6-2 Revision 4 (10/1/01) Change 12 Effective 5/1/08 New Business (Cont’d.) Field Record Record A (Cont’d.) Length Position Name Format Indicator 1 334 CRS Classification Credit Percentage 2 335-336 Federal Policy Fee 3 337-339 Expense Constant 3 340-342 Principal Residence Indicator 1 343 Replacement Cost 10 344-353 Lowest Floor Elevation (LFE) 6 354-359 Base Flood Elevation (BFE) 6 360-365 Repetitive Loss Target Group Indicator 1 366 Lowest Adjacent Grade 6 367-372 Diagram Number 1 373 Elevation Certification Date 8 374-381 Basic Building Rate WYO 5 382-386 Additional Building Rate WYO 5 387-391 Basic Contents Rate WYO 5 392-396 Additional Contents Rate WYO 5 397-401 ICC Premium WYO 3 402-404 Probation Surcharge Amount WYO 3 405-407 Deductible Percentage WYO 4 408-411 Repetitive Loss ID Number 7 412-418 Reserved for NFIP Use 39 419-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-3 Revision 4 (10/1/01) Change 12 Effective 5/1/08 12 Mailing Address Data Field Record Record A Length Position Transaction Code (12A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Name or Descriptive Information Indicator 1 27 Mailing Address 1 50 28-77 Mailing Address 2 50 78-127 Mailing City 30 128-157 Mailing State 2 158-159 Mailing ZIP Code 9 160-168 Reserved for NFIP Use 289 169-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 NOTE: This transaction must be submitted with any new business (11A), renewal (17A), or reinstatement transaction (14A,15A) OR when the mailing address information has been updated by the WYO company. Part 6 6-3A Revision 4 (10/1/01) Change 8 Effective 10/1/05 15 Policy Reinstatement With Policy Changes Field Record Record A Length Position Transaction Code (15A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Policy Effective Date 8 27-34 Policy Expiration Date 8 35-42 Name or Descriptive Information Indicator 1 43 Property Beginning Street Number 10 44-53 Property Address 1 50 54-103 Property Address 2 50 104-153 Property City 30 154-183 Property State 2 184-185 Property ZIP Code 9 186-194 Case File Number for Disaster Assistance 9 195-203 Coverage Required for Disaster Assistance 1 204 Community Identification Number 6 205-210 Map Panel Number 4 211-214 Map Panel Suffix 1 215 Regular/Emergency Program Indicator 1 216 Flood Risk Zone 3 217-219 Occupancy Type 1 220 Number of Floors (Including Basement)/ Building Type 1 221 Basement/Enclosure/Crawlsapce Type 1 222 Condominium Indicator 1 223 State-Owned Property 1 224 Building in Course of Construction Indicator 1 225 Deductible - Building 1 226 Deductible - Contents 1 227 Elevated Building Indicator 1 228 Obstruction Type 2 229-230 Location of Contents Indicator 1 231 Original Construction Date/Substantial Improvement Date 8 232-239 Post-FIRM Construction Indicator 1 240 Elevation Difference 4 241-244 Floodproofed Indicator 1 245 Total Amount of Insurance - Building 8 246-253 Total Amount of Insurance - Contents 5 254-258 Reinstatement Premium 9 259-267 Risk Rating Method 1 268 Policy Term Indicator 1 269 Premium Payment Indicator 1 270 New/Rollover Indicator 1 271 Endorsement Effective Date 8 272-279 Insurance to Value Ratio Indicator 1 280 Elevation Certificate Indicator 1 281 1981 Post-FIRM V Zone Certification Ind. 1 282 Condominium Master Policy Units 3 283-285 Insured Last Name 25 286-310 Insured First Name 25 311-335 The Taxpayer Identification Number has been removed from the TRRPtransaction, effective May 1, 2008. Part 6 6-5 Revision 4 (10/1/01) Change 12 Effective 5/1/08 Policy Reinstatement With Policy Changes (Cont’d.) Field Record Record A (Cont’d) Length Position Name Format Indicator 1 336 CRS Classification Credit Percentage 2 337-338 Reinstatement Federal Policy Fee 5 339-343 Expense Constant 3 344-346 Principal Residence Indicator 1 347 Replacement Cost 10 348-357 Lowest Floor Elevation (LFE) 6 358-363 Base Flood Elevation (BFE) 6 364-369 Repetitive Loss Target Group Indicator 1 370 Lowest Adjacent Grade 6 371-376 Diagram Number 1 377 Elevation Certification Date 8 378-385 Basic Building Rate WYO 5 386-390 Additional Building Rate WYO 5 391-395 Basic Contents Rate WYO 5 396-400 Additional Contents Rate WYO 5 401-405 ICC Premium WYO 3 406-408 Probation Surcharge Amount WYO 3 409-411 Deductible Percentage WYO 4 412-415 Repetitive Loss ID Number 7 416-422 Reserved for NFIP Use 35 423-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-6 Revision 4 (10/1/01) Change 12 Effective 5/1/08 17 Renewals Field Record Record A Length Position Transaction Code (17A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Policy Effective Date 8 27-34 Policy Expiration Date 8 35-42 Name or Descriptive Information Indicator 1 43 Property Beginning Street Number 10 44-53 Property Address 1 50 54-103 Property Address 2 50 104-153 Property City 30 154-183 Property State 2 184-185 Property ZIP Code 9 186-194 Case File Number for Disaster Assistance 9 195-203 Coverage Required for Disaster Assistance 1 204 Community Identification Number 6 205-210 Map Panel Number 4 211-214 Map Panel Suffix 1 215 Regular/Emergency Program Indicator 1 216 Flood Risk Zone 3 217-219 Occupancy Type 1 220 Number of Floors (Including Basement)/ Building Type 1 221 Basement/Enclosure/Crawlspace Type 1 222 Condominium Indicator 1 223 State-Owned Property 1 224 Building in Course of Construction Indicator 1 225 Deductible - Building 1 226 Deductible - Contents 1 227 Elevated Building Indicator 1 228 Obstruction Type 2 229-230 Location of Contents Indicator 1 231 Original Construction Date/Substantial Improvement Date 8 232-239 Post-FIRM Construction Indicator 1 240 Elevation Difference 4 241-244 Floodproofed Indicator 1 245 Total Amount of Insurance - Building 8 246-253 Total Amount of Insurance - Contents 5 254-258 Total Calculated Premium 7 259-265 Risk Rating Method 1 266 Policy Term Indicator 1 267 Premium Payment Indicator 1 268 Filler 9 269-277 Insurance to Value Ratio Indicator 1 278 Elevation Certificate Indicator 1 279 1981 Post-FIRM V Zone Certification Ind. 1 280 Condominium Master Policy Units 3 281-283 Insured Last Name 25 284-308 Insured First Name 25 309-333 The Taxpayer Identification Number has been removed from the TRRPtransaction, effective May 1, 2008. Part 6 6-7 Revision 4 (10/1/01) Change 12 Effective 5/1/08 Renewals (Cont’d.) Field Record Record A (Cont’d.) Length Position Name Format Indicator 1 334 CRS Classification Credit Percentage 2 335-336 Federal Policy Fee 3 337-339 Expense Constant 3 340-342 Principal Residence Indicator 1 343 Replacement Cost 10 344-353 Lowest Floor Elevation (LFE) 6 354-359 Base Flood Elevation (BFE) 6 360-365 Repetitive Loss Target Group Indicator 1 366 Lowest Adjacent Grade 6 367-372 Diagram Number 1 373 Elevation Certification Date 8 374-381 Basic Building Rate WYO 5 382-386 Additional Building Rate WYO 5 387-391 Basic Contents Rate WYO 5 392-396 Additional Contents Rate WYO 5 397-401 ICC Premium WYO 3 402-404 Probation Surcharge Amount WYO 3 405-407 Deductible Percentage WYO 4 408-411 Repetitive Loss ID Number 7 412-418 Reserved for NFIP Use 39 419-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-8 Revision 4 (10/1/01) Change 12 Effective 5/1/08 20 Endorsements Field Record Record A Length Position Transaction Code (20A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Policy Effective Date 8 27-34 Policy Expiration Date 8 35-42 Name or Descriptive Information Indicator 1 43 Property Beginning Street Number 10 44-53 Property Address 1 50 54-103 Property Address 2 50 104-153 Property City 30 154-183 Property State 2 184-185 Property ZIP Code 9 186-194 Case File Number for Disaster Assistance 9 195-203 Coverage Required for Disaster Assistance 1 204 Community Identification Number 6 205-210 Map Panel Number 4 211-214 Map Panel Suffix 1 215 Regular/Emergency Program Indicator 1 216 Flood Risk Zone 3 217-219 Occupancy Type 1 220 Number of Floors (Including Basement)/ Building Type 1 221 Basement/Enclosure/Crawlspace Type 1 222 Condominium Indicator 1 223 State-Owned Property 1 224 Building in Course of Construction Indicator 1 225 Deductible - Building 1 226 Deductible - Contents 1 227 Elevated Building Indicator 1 228 Obstruction Type 2 229-230 Location of Contents Indicator 1 231 Original Construction Date/Substantial Improvement Date 8 232-239 Post-FIRM Construction Indicator 1 240 Elevation Difference 4 241-244 Floodproofed Indicator 1 245 Total Amount of Insurance - Building 8 246-253 Total Amount of Insurance – Contents 5 254-258 Endorsement Premium Amount 7 259-265 Risk Rating Method 1 266 Policy Term Indicator 1 267 Premium Payment Indicator 1 268 New/Rollover Indicator 1 269 Endorsement Effective Date 8 270-277 Insurance to Value Ratio Indicator 1 278 Elevation Certificate Indicator 1 279 1981 Post-FIRM V Zone Certification Ind. 1 280 Condominium Master Policy Units 3 281-283 Insured Last Name 25 284-308 Insured First Name 25 309-333 The Taxpayer Identification Number has been removed from the TRRPtransaction, effective May 1, 2008. Part 6 6-9 Revision 4 (10/1/01) Change 12 Effective 5/1/08 Endorsements (Cont’d.) Field Record Record A (Cont’d) Length Position Name Format Indicator 1 334 CRS Classification Credit Percentage 2 335-336 Federal Policy Fee 3 337-339 Expense Constant 3 340-342 Principal Residence Indicator 1 343 Replacement Cost 10 344-353 Lowest Floor Elevation (LFE) 6 354-359 Base Flood Elevation (BFE) 6 360-365 Repetitive Loss Target Group Indicator 1 366 Lowest Adjacent Grade 6 367-372 Diagram Number 1 373 Elevation Certification Date 8 374-381 Basic Building Rate WYO 5 382-386 Additional Building Rate WYO 5 387-391 Basic Contents Rate WYO 5 392-396 Additional Contents Rate WYO 5 397-401 ICC Premium WYO 3 402-404 Probation Surcharge Amount WYO 3 405-407 Deductible Percentage WYO 4 408-411 Repetitive Loss ID Number 7 412-418 Reserved for NFIP Use 39 419-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-10 Revision 4 (10/1/01) Change 12 Effective 5/1/08 23 Policy Correction Field Record Record A Length Position Transaction Code (23A) 3 1-3 Transaction Date 8 4-11 WYO Prefix Code 5 12-16 Policy Number 10 17-26 Policy Effective Date 8 27-34 Policy Expiration Date 8 35-42 Name or Descriptive Information Indicator 1 43 Property Beginning Street Number 10 44-53 Property Address 1 50 54-103 Property Address 2 50 104-153 Property City 30 154-183 Property State 2 184-185 Property ZIP Code 9 186-194 Case File Number for Disaster Assistance 9 195-203 Coverage Required for Disaster Assistance 1 204 Community Identification Number 6 205-210 Map Panel Number 4 211-214 Map Panel Suffix 1 215 Regular/Emergency Program Indicator 1 216 Flood Risk Zone 3 217-219 Occupancy Type 1 220 Number of Floors (Including Basement)/ Building Type 1 221 Basement/Enclosure/Crawlspace Type 1 222 Condominium Indicator 1 223 State-Owned Property 1 224 Building in Course of Construction Indicator 1 225 Deductible - Building 1 226 Deductible - Contents 1 227 Elevated Building Indicator 1 228 Obstruction Type 2 229-230 Location of Contents Indicator 1 231 Original Construction Date/SubstantialImprovement Date 8 232-239 Post-FIRM Construction Indicator 1 240 Elevation Difference 4 241-244 Floodproofed Indicator 1 245 Total Amount of Insurance - Building 8 246-253 Total Amount of Insurance - Contents 5 254-258 Premium (incremental adjustment to TotalCalculated Premium or Endorsement Premium) 7 259-265 Risk Rating Method 1 266 Policy Term Indicator 1 267 Premium Payment Indicator 1 268 New/Rollover Indicator 1 269 Endorsement Effective Date 8 270-277 Insurance to Value Ratio Indicator 1 278 Elevation Certificate Indicator 1 279 1981 Post-FIRM V Zone Certification Ind. 1 280 Condominium Master Policy Units 3 281-283 Insured Last Name 25 284-308 Insured First Name 25 309-333 The Taxpayer Identification Number has been removed from the TRRPtransaction, effective May 1, 2008 Part 6 6-11 Revision 4 (10/1/01) Change 12 Effective 5/1/08 Policy Correction (Cont’d.) Field Record Record A (Cont’d.) Length Position Name Format Indicator 1 334 CRS Classification Credit Percentage 2 335-336 Federal Policy Fee 3 337-339 Expense Constant 3 340-342 Principal Residence Indicator 1 343 Replacement Cost 10 344-353 Lowest Floor Elevation (LFE) 6 354-359 Base Flood Elevation (BFE) 6 360-365 Repetitive Loss Target Group Indicator 1 366 Lowest Adjacent Grade 6 367-372 Diagram Number 1 373 Elevation Certification Date 8 374-381 Basic Building Rate WYO 5 382-386 Additional Building Rate WYO 5 387-391 Basic Contents Rate WYO 5 392-396 Additional Contents Rate WYO 5 397-401 ICC Premium WYO 3 402-404 Probation Surcharge Amount WYO 3 405-407 Deductible Percentage WYO 4 408-411 Repetitive Loss ID Number 7 412-418 Reserved for NFIP Use 39 419-457 Original Submission Month 6 458-463 Rejected Transaction Control Number 6 464-469 Sort Sequence Key 1 470 Reserved for WYO Company Use 30 471-500 Part 6 6-12 Revision 4 (10/1/01) Change 12 Effective 5/1/08 PART 7 - INSTRUCTIONS FOR FORMATTING DATA ELEMENTS AND REVISING DATA ELEMENT VALUES INTRODUCTION This section lists each data element and provides specifications forits reporting format. I. FORMATTING DATA ELEMENTS This reporting format includes whether the element is areplacement or incremental value and whether it is a signedfield allowing for a negative number. The third column indicates whether dollars and cents, whole dollars, or hundredsof dollars are applicable formats for the money fields. The last column presents the picture expected for each element. In the picture column, numeric fields, indicated by a 9 or 9's, are right-justified and zero-filled. The number within the parentheses is the length of the field preceding the decimalposition. The V9 or V99 indicates an implied decimal position. For example, 123.45 with a picture of 9(7)V99 would berepresented as 000012345. Note that the field is zero-filled with four zeros because the numeric value is not large enoughto use up all of the required length. Alpha and alphanumeric fields, indicated by an X in the picturecolumn, are left-justified with trailing spaces. Zero, reported in numeric data elements, and blanks, reportedin alpha and alphanumeric data, indicate not reporting or notapplicable. The only exceptions to this rule are on a NewBusiness (11) transaction for the following data elements: • Elevation Difference: +999 • Lowest Floor Elevation: 9999.0 • Base Flood Elevation: 9999.0 • Lowest Adjacent Grade: 9999.0 On a New Business (11) transaction, zero indicates an actual elevation. II. REVISING DATA ELEMENT VALUES To change data element values already in the NFIP/WYO System toblank or zero, asterisk fill the appropriate field on thetransaction being submitted. "Asterisk fill" means that if a data element has a length of 'n,' then 'n' asterisks are to beplaced in the field. For example, if the data elementCommunity Identification Number: X(6) = 012345 is changed toblank or zero, the picture would be represented as ******. This feature is not allowed on New Business (11) and OpenClaim/Loss-Reserve (31) transactions. Part 7 7-1 Revision 4 (10/1/01) Change 9 Effective 5/1/06 III. LISTING OF DATA ELEMENTS WITH REPORTING SPECIFICATIONS $¢4 R1 $5 Data Element I2 S3 $/1006 Picture Actual Salvage RecoveryActual Salvage Recovery DateAdditional Building Rate WYOAdditional Contents Rate WYO Alteration Date Base Flood Elevation (BFE)Basement/Enclosure/Crawlspace TypeBasic Building Rate WYOBasic Contents Rate WYO Bldg. Claim Payment (ACV or RCV)Bldg. Claim Payment RecoveryBldg. Damage Subject to PolicyExclusions (ACV) Bldg. in Course of ConstructionIndicator Cancellation/Voidance ReasonCase File Num. for Disaster Assistance Catastrophe NumberCause of Loss Claim/Loss Closed DateClaim/Loss Reopen DateClaim Closed w/o Pymt. Reason - Bldg.Claim Closed w/o Pymt. Reason - Cont.Claim Closed w/o Pymt. Reason – ICCCoinsurance Claim Settlement Indicator Community Identification NumberCondominium Indicator Condominium Master Policy UnitsContents Claim Payment (ACV)Contents Claim Payment RecoveryContents Damage Subj. to PolicyExclusions (ACV)Coverage Req. for Disaster AssistanceCRS Classification Credit PercentageDamage - Appurtenant (ACV)Damage - Main (ACV)Damage to Contents - Appurtenant (ACV)Damage to Contents - Main (ACV)Date of Loss Deductible - App. to Bldg. Claim Pymt.Deductible - App. to Cont. Claim Pymt.Deductible – BuildingDeductible – Contents Deductible Percentage WYODiagram NumberDuration Bldg. Will Not Be HabitableDuration of Flood Waters in Bldg.Elevated Bldg. IndicatorElevation Certificate Indicator Elevation Certification Date Elevation Difference Endorsement Effective Date Endorsement Premium Amount I S R -R -R -R -R S R -R -R -I S I S R - R -R -R -R -R -R -R -R -R -R -R -R -R -R -I S I S R -R -R -R -R -R -R -Key -R -R -R -R -R -R -R -R -R -R -R -R S R -I S $¢ --- ----- $¢ $¢ - ------- -- -----$¢ $¢ ---$ $ $ $ --- -- ---------$ 9(10)V999(8)YYYYMMDD9(2)V9999(2)V9999(8)YYYYMMDDS9(5)V9X 9(2)V9999(2)V999S9(10)V99S9(10)V99 X X XX X(9)9(3)X 9(8)YYYYMMDD9(8)YYYYMMDDXX XX XX X X(6)X 9(3)S9(7)V99S9(7)V99 X X 9(2)9(7)9(10)9(7)9(7)9(8)YYYYMMDDX X X X 9V999 X X 9(3) HoursX X 9(8)YYYYMMDDS9(4)9(8)YYYYMMDDS9(7) 1R2I3S4$¢5$6$/100 -Replacement Value -Incremental Value -Signed Data Element-Dollars and Cents -Whole Dollars -Hundreds of Dollars Part 7 7-2 Revision 4 (10/1/01) Change 12 Effective 5/1/08 SECTION 27 - MORTGAGE PORTFOLIO PROTECTION PROGRAM (MPPP) The following data elements are not required to be reported whensubmitting data for an MPPP policy. The NFIP/WYO system willautomatically set these data elements to the following defaultvalues. This will be done regardless of what the WYO companyplaces in these data elements. Base Flood Elevation +9999 Basement/Enclosure/Crawlspace Type 0 Coverage Required for Disaster Assistance 0 Deductible - Building 0 Deductible - Contents 0 Elevated Building Indicator N Elevation Certificate Indicator 2 Elevation Difference +999 Floodproofed Indicator N Insurance-to-Value Ratio Indicator Blank Location of Contents Indicator Blank Lowest Floor Elevation +9999 New or Rollover Indicator N Number of Floors (Including Basement)/Building Type 1 Original Construction Date/SubstantialImprovement Date 00000000 Policy Term Indicator 1 Post-FIRM Construction Indicator Blank State-Owned Property N Appendix A A-33 Revision 4 (10/1/01) Change 12 Effective 5/1/08 The following data elements need to be reported only to justifyinsurance limits. If these data elements are not reported(blanks), then the following default values will be assigned bythe NFIP/WYO system: Condominium Indicator N Occupancy Type 1 For the NFIP/WYO system to accomplish the above, the data element Risk Rating Method must be reported for an MPPP policy on everyNew Business (11A), Renewal (17A), Endorsement (20A), PolicyReinstatement with Policy Changes (15A), and Policy Correction(23A) transaction submitted. Appendix A A-34 Revision 4 (10/1/01) Effective 10/1/96 SECTION 28 - LENDER DATA TRANSACTION The transaction code for the required format of the Lender Datais “99A.” This transaction provides first and second mortgageeinformation on policies that have expired more than 120 days. While the 99A transaction resembles the standard TRRP transaction format and is to be included in the monthly TRRP data, itsprocessing will be different. The Program does not intend to getinvolved in error processing on expired policies and no errorcodes will be generated on 99A transactions. However, someminimal error checking (such as the existence of the policynumber and that it is expired) must be done if the data are to beused. We will also be running internal reports to verify that99A transactions are being received for all pertinent expiredpolicies. MAJOR PROCESSING ACTIVITIES The Lender Data transactions are processed after all othertransactions. This transaction will have the following key dataedits: • Verify that the transaction code is "99A." • Verify that the transaction date is less than or equal totoday's date. • Verify that the WYO Prefix Code belongs to a WYO company. • Verify that the Policy Number is currently in the system. • Verify that the policy is expired more than 120 days. This transaction will be processed by the edit module, willupdate the Lender Master File, and will create a History Audittransaction. Appendix A A-35 Revision 4 (10/1/01) Change 8 Effective 10/1/05 SECTION 29 – GROUP FLOOD INSURANCE POLICY (GFIP) The following data elements are not required to be reported whensubmitting data for a Group Flood Insurance policy. The NFIP/WYOsystem will automatically set these data elements to thefollowing default values. This will be done regardless of whatthe WYO company places in these data elements. Basement/Enclosure/Crawlspace Type 0 Building in Course of Construction Indicator N Condominium Indicator N Condominium Master Policy Units 1 Coverage Required for Disaster Assistance 5 CRS Classification Credit Percentage 0 Deductible – Building X Deductible – Contents X Elevated Building Indicator N Elevation Certificate Indicator Blank Elevation Difference +999 Federal Policy Fee 0 Flood Risk Zone Blank Floodproofed Indicator Blank Insurance-to-Value Ratio Indicator Blank Location of Contents Indicator Blank Map Panel Number Blank Map Panel Suffix Blank New or Rollover Indicator N Number of Floors (Including Basement)/Building Type Blank Obstruction Type 10 Occupancy Type 1 Appendix A A-36 Revision 4 (10/1/01) Change 12 Effective 5/1/08 This page is intentionally left blank. Appendix C C-13 Revision 4 (10/1/01) Change 7 Effective 5/1/05 RECORD LAYOUT WYO Prefix Code* Policy Number* Policy Effective Date Policy Expiration Date Endorsement Effective Date Transaction Code Transaction Date Name or Descriptive Information Indicator* Property Beginning Street Number* Property Address 1* Property Address 2* Property City* Property State* Property ZIP Code* Case File Number for Disaster Assistance Coverage Required for Disaster Assistance Community Identification Number Map Panel Number Map Panel Suffix Regular/Emergency Program Indicator Flood Risk Zone Occupancy Type Number of Floors (Including Basement)/ Building Type Basement/Enclosure/Crawlspace Type Condominium Indicator State-Owned Property Record Length Position 5 1-5 10 6-15 8 16-23 8 24-31 8 32-39 2 40-41 8 42-49 1 50 10 51-60 50 61-110 50 111-160 30 161-190 2 191-192 9 193-201 9 202-210 1 211 6 212-217 4 218-221 1 222 1 223 3 224-226 1 227 1 228 1 229 1 230 1 231 Building in Course of Construction Indicator 1 232 Deductible – BuildingDeductible – Contents Elevated Building Indicator Obstruction Type Location of Contents Indicator Original Construction Date/SubstantialImprovement DatePost-FIRM Construction Indicator Elevation Difference Floodproofed Indicator Total Amount of Insurance – BuildingTotal Amount of Insurance – Contents Total Calculated Premium Endorsement Premium Amount Risk Rating MethodPolicy Term Indicator New/Rollover Indicator Insurance to Value Ratio Indicator Premium Payment Indicator 1 233 1 234 1 235 2 236-237 1 238 8 239-246 1 247 4 248-251 1 252 8 253-260 8 261-268 7 269-275 7 276-282 1 283 1 284 1 285 1 286 1 287 * Data Elements that are stored only once per policy record and not by policy term. The Taxpayer Identification Number has been removed from the TRRP transaction, effective May 1, 2008. Appendix C C-14 Revision 4 (10/1/01) Change 12 Effective 5/1/08 Record Layout (cont’d.) Record Length Position Elevation Certificate Indicator 1 288 1981 Post-FIRM V Zone Certification Indicator 1 289 Insured Last Name 25 290-314 Insured First Name 25 315-339 Principal Residence Indicator 1 340 Replacement Cost 9 341-349 Lowest Floor Elevation (LFE) 6 350-355 Base Flood Elevation (BFE) 6 356-361 Expense Constant 3 362-364 Name Format Indicator 1 365 Condominium Master Policy Units 3 366-368 Reserved for WYO Company Use 30 369-398 Policy Termination Date* 8 399-406 Cancellation/Voidance Reason* 2 407-408 Total Premium Refund* 9 409-417 CRS Classification Credit Percentage 2 418-419 Federal Policy Fee 3 420-422 Federal Policy Fee – Refunded* 5 423-427 Diagram Number 1 428 Filler 1 429 Lowest Adjacent Grade 6 430-435 Elevation Certification Date 8 436-443 Basic Building Rate WYO 5 444-447 Additional Building Rate WYO 5 449-453 Basic Contents Rate WYO 5 454-458 Additional Contents Rate WYO 5 459-463 ICC Premium WYO 3 464-466 Probation Surcharge Amount WYO 3 467-469 Deductible Percentage WYO 4 470-473 Repetitive Loss Target Group Indicator 1 474 Reserved for NFIP Use 13 475-487 NFIP Activity Date* 8 488-495 NFIP Policy Status Indicator* 1 496 NFIP Basic Limit Amount of Insurance – Building 8 497-504 NFIP Basic Limit Rate – Building 4 505-508 NFIP Additional Limit Amount of Insurance – Building 8 509-516 NFIP Additional Limit Rate – Building 4 517-520 NFIP Basic Limit Amount of Insurance – Contents 8 521-528 NFIP Basic Limit Rate – Contents 4 529-532 NFIP Additional Limit Amount of Insurance – Contents 8 533-540 NFIP Additional Limit Rate – Contents 4 541-544 NFIP Total Premium Refund* 9 545-553 NFIP CRS Classification Credit Percentage 2 554-555 NFIP Federal Policy Fee 3 556-558 NFIP Federal Policy Fee – Refunded* 5 559-563 NFIP Community Probation Surcharge Amount 3 564-566 NFIP Deductible Discount Percentage 5 567-571 *Data Elements that are stored only once per policy record and notby policy term. Data elements containing NFIP calculated values are provided toassist WYO companies in determining what conditions caused theerror. Appendix C C-15 Revision 4 (10/1/01) Change 11 Effective 5/1/08 Record Layout (cont’d.) Record Length Position NFIP Deductible Discount Amount 9 572-580 NFIP Property ZIP* 9 581-589 NFIP Expense Constant 3 590-592 NFIP Policy Term 1 593 NFIP ICC Premium 7 594-600 NFIP ICC Coverage 5 601-605 Reserved for NFIP Use 44 606-649 Error Code 1 8 650-657 Error Code Date 1 8 658-665 Error Code 2 8 666-673 Error Code Date 2 8 674-681 Error Code 3 8 682-689 Error Code Date 3 8 690-697 Error Code 4 8 698-705 Error Code Date 4 8 706-713 Error Code 5 8 714-721 Error Code Date 5 8 722-729 Error Code 6 8 730-737 Error Code Date 6 8 738-745 Error Code 7 8 746-753 Error Code Date 7 8 754-761 Error Code 8 8 762-769 Error Code Date 8 8 770-777 Error Code 9 8 778-785 Error Code Date 9 8 786-793 Error Code 10 8 794-801 Error Code Date 10 8 802-809 Error Code 11 8 810-817 Error Code Date 11 8 818-825 Error Code 12 8 826-833 Error Code Date 12 8 834-841 Error Code 13 8 842-849 Error Code Date 13 8 850-857 Error Code 14 8 858-865 Error Code Date 14 8 866-873 Error Code 15 8 874-881 Error Code Date 15 8 882-889 Error Code 16 8 890-897 Error Code Date 16 8 898-905 Error Code 17 8 906-913 Error Code Date 17 8 914-921 Error Code 18 8 922-929 Error Code Date 18 8 930-937 * Data Elements are stored only once per policy record and notby policy term. Data elements containing NFIP calculated values are provided toassist WYO companies in determining what conditions caused theerror. Appendix C C-16 Revision 4 (10/1/01) Change 12 Effective 5/1/08 Record Layout (cont’d.) Record Length Position Error Code 19 8 938-945 Error Code Date 19 8 946-953 Error Code 20 8 954-961 Error Code Date 20 8 962-969 Error Code 21 8 970-977 Error Code Date 21 8 978-985 Error Code 22 8 986-993 Error Code Date 22 8 994-1001 Error Code 23 8 1002-1009 Error Code Date 23 8 1010-1017 Error Code 24 8 1018-1025 Error Code Date 24 8 1026-1033 Error Code 25 8 1034-1041 Error Code Date 25 8 1042-1049 Appendix C C-17 Revision 4 (10/1/01) Change 12 Effective 5/1/08 RECORD LAYOUT - COBOL Output – Policy Information and Error Extract FD Output – FileLabel Records are Standard Block Contains 32 Records Recording Mode is FData Record is Output–Record 01 Output - Record05 OP-WYO-Prefix-Code PIC X(5). 05 OP-Policy-No* PIC X(10). 05 OP-Pol-Effective-Date PIC 9(8). 05 OP-Pol-Expiration-Date PIC 9(8). 05 OP-End-Effective-Date PIC 9(8). 05 OP-Transaction-Code PIC X(2). 05 OP-Transaction-Date PIC 9(8). 05 OP-Name-Desc-Info* PIC X(1). 05 OP-Begin-Street-Number* PIC X(10). 05 OP-Address1* PIC X(50). 05 OP-Address2* PIC X(50). 05 OP-City* PIC X(30). 05 OP-State* PIC X(2). 05 OP-ZIP* PIC X(9). 05 OP-Case-File-Number-DA PIC X(9). 05 OP-Disaster-Assist PIC X(1). 05 OP-Community-Number PIC 9(6). 05 OP-Map-Panel-Number PIC X(4). 05 OP-Map-Panel-Suffix PIC X(1). 05 OP-Regular-Emergency PIC X(1). 05 OP-Flood-Risk-Zone PIC X(3). 05 OP-Occupancy PIC X(1). 05 OP-Building-Type PIC X(1). 05 OP-Basement PIC X(1). 05 OP-Condominium PIC X(1). 05 OP-State-Own PIC X(1). 05 OP-Course-Construction PIC X(1). 05 OP-Deductible-Building PIC X(1). 05 OP-Deductible-Contents PIC X(1). 05 OP-Elevated-Building PIC X(1). 05 OP-Obstruction PIC X(2). 05 OP-Location-of-Contents PIC X(1). 05 OP-Original-Construction PIC 9(8). 05 OP-Post-Firm PIC X(1). 05 OP-Elevation-Difference PIC S9(4). 05 OP-Flood-Proof PIC X(1). 05 OP-Total-Coverage-Building PIC 9(8). 05 OP-Total-Coverage-Contents PIC 9(8). 05 OP-Total-Calc-Premium PIC S9(7). 05 OP-Endorsement-Premium PIC S9(7). 05 OP-Risk-Rating-Method PIC X(1). *Data Elements that are stored only once per policy recordand not by policy term. The Taxpayer Identification Numberwill not be reported, effective May 1, 2008. Appendix C C-18 Revision 4 (10/1/01) Change 12 Effective 5/1/08 Record Layout (cont’d.) 05 OP-Policy-Term PIC X(1). 05 OP-New-Rollover-Ind PIC X(1). 05 OP-Insurance-To-Value PIC X(1). 05 OP-Premium-Pay PIC X(1). 05 OP-Elevation-Certificate PIC X(1). 05 OP-Post-1981-Certificate PIC X(1). 05 OP-Insured-Last-Name PIC X(25). 05 OP-Insured-First-Name PIC X(25). 05 OP-Principal-Residence PIC X(1). 05 OP-Replacement-Cost PIC X(9). 05 OP-Low-Floor PIC S9(5)V9. 05 OP-Base-Floor PIC S9(5)V9. 05 OP-Expense-Constant PIC 9(3). 05 OP-Name-Format PIC X(1). 05 OP-Condo-Master-Units PIC 9(3). 05 OP-WYO-Cmpy-Use PIC X(30). 05 OP-Termination-Date PIC 9(8). 05 OP-Cancel-Reason PIC X(2). 05 OP-Total-Refund PIC S9(7)V99. 05 OP-CRS-Class-Perc PIC 9(2). 05 OP-Federal-Policy-Fee PIC S9(3). 05 OP-Federal-Policy-Fee-Refund PIC S9(3)V99. 05 OP-Diagram-Number PIC X(1). 05 Filler PIC X(1). 05 OP-Lowest-Adjacent-Grade PIC S9(5)V9. 05 OP-Elev-Certification-Date PIC 9(8). 05 OP-Base-Building-Rate-WYO PIC 9(2)V999. 05 OP-Additional-Building-Rate-WYO PIC 9(2)V999. 05 OP-Base-Contents-Rate-WYO PIC 9(2)V999. 05 OP-Additional-Contents-Rate-WYO PIC 9(2)V999. 05 OP-ICC-Premium-Rate-WYO PIC 9(3). 05 OP-Probation-Amount-WYO PIC 9(3). 05 OP-Deductible-Percentage-WYO PIC S9V999. 05 OP-Repetitive-Loss-Ind PIC X(1). 05 Filler PIC X(13). 05 OP-NFIP-Activity-Date* PIC 9(8). 05 OP-NFIP-Policy-Status* PIC X(1). 05 OP-NFIP-Basic-Cov-Building PIC 9(8). 05 OP-NFIP-Basic-Rate-Building PIC 9(2)V99. 05 OP-NFIP-Add-Cov-Building PIC 9(8). 05 OP-NFIP-Add-Rate-Building PIC 9(2)V99. 05 OP-NFIP-Basic-Cov-Contents PIC 9(8). 05 OP-NFIP-Basic-Rate-Contents PIC 9(2)V99. 05 OP-NFIP-Add-Cov-Contents PIC 9(8). 05 OP-NFIP-Add-Rate-Contents PIC 9(2)V99. 05 OP-NFIP-Total-Refund* PIC S9(7)V99. 05 OP-NFIP-CRS-Class-Perc PIC 9(2). 05 OP-NFIP-Policy-Service-Fee* PIC S9(3). 05 OP-NFIP-Policy-Service-Fee-Refund* PIC S9(3)V99. 05 OP-NFIP-Comm-Prob-Surcharge PIC 9(3). 05 OP-NFIP-DED-Discount-Perc PIC 9(2)V999. 05 OP-NFIP-DED-Discount-Amt PIC 9(9). 05 OP-NFIP-Property-ZIP* PIC X(9). 05 OP-NFIP-Expense-Constant PIC 9(3). 05 OP-NFIP-Policy-Term PIC X(1). 05 OP-NFIP-ICC-Premium PIC 9(07). 05 OP-NFIP-ICC-Coverage PIC 9(05). *Data Elements that are stored only once per policy record and not by policy term. Appendix C C-19 Revision 4 (10/1/01) Change 7 Effective 5/1/05 Record Layout (cont’d.) 05 Filler PIC X(44). 05 OP-Error-Codes-Out. 10 Error-CDEX Occurs 25 Times 15 Error-Code PIC X(8). 15 Error-Date PIC 9(8). Appendix C C-20 Revision 4 (10/1/01) Change 12 Effective 5/1/08