Donald Solins
Quiz by , created more than 1 year ago

I have created this quiz to aid in the understanding some information that required to obtain the "ANFI" Designation. All questions originated from the SFIP and cover the differences between the "Dwelling Form", "General Property Form", "RCBAP" and "Preferred Risk Policy". Other fellow adjusters are welcome to use this this quiz to enhance their knowledge, understanding and application of the NFIP.

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Donald Solins
Created by Donald Solins almost 6 years ago
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ANFI Study Quiz

Question 1 of 15

1

What are some of the requirements to be considered a "NFIP Participating Community"?

Select one of the following:

  • The community must be designated as participating in the NFIP by FEMA. To be eligible, a community must adopt a floodplain management ordinance that meets or exceeds the minimum NFIP criteria and have a Flood Insurance Rate Map (FIRM) or a Flood Hazard Boundary Map (FHBM) for the community to participate in the NFIP.

  • The community must inquire formally with FEMA through certified mail. To be eligible, a community may adopt a floodplain management ordinance that meets or exceeds the minimum NFIP criteria and have a Flood Insurance Rate Map (FIRM) or a Flood Hazard Boundary Map (FHBM) for the community to participate in the NFIP.

  • The community must be within 5 miles of the nearest body of water with no history of prior flooding. All of the insured building also have to at or above the BFE.

  • The community must be designated as participating in the NFIP by the local city planner. To be eligible, a community should adopt a floodplain management ordinance that meets or exceeds the minimum NFIP criteria and have a Flood Insurance Rate Map (FIRM) or a Flood Hazard Boundary Map (FHBM) for the community to participate in the NFIP.

Explanation

Question 2 of 15

1

What is FEMA's "Emergency Program" when referring to the NFIP?

Select one of the following:

  • The Emergency Program represents the initial phase of a community’s
    participation in the NFIP in which limited amounts of coverage are available.

  • The Emergency Program is applied whenever there is a flood that that covers 2 or more properties.

  • The Emergency Program is applied when a "State of Emergency" is declared by the State Governor during mass flood event involving the HVHZ.

  • The Emergency Program represents the initial phase of a community’s participation in the NFIP in which the full amount of coverage is available due to the extent of flooding.

Explanation

Question 3 of 15

1

What best describes the "Regular Program" when referring to the NFIP?

Select one of the following:

  • The Regular Program is the fnal phase of a community’s participation in the
    NFIP. In this phase, the completed FIRM is in effect and full coverage limits
    are available.

  • The Regular Program is one that does not afford coverages for ALE and LOU. The Regular Program rate is also preserved for a period of 1 policy term.

  • The Regular Program was enacted to ensure that common building materials and techniques are used when estimating losses in Zones AE and V.

  • Originally, the Regular Program was created in 1999 and was popularized by a performer who was "Formally known as a symbol".

  • The Regular Program is the first phase of a community’s participation in the
    NFIP. In this phase, the completed FIRM is in effect and full coverage limits
    are available.

Explanation

Question 4 of 15

1

Is NFIP food insurance is available on land owned by the Federal Government?

Select one of the following:

  • NFIP food insurance is available on land owned by the Federal Government
    when the local community meets the floodplain management requirements.

  • NFIP food insurance is not available on land owned by the Federal Government. The Government properties are self insured and do not qualify for FEMA.

  • Yes, the NFIP underwrites all federal land under a local community number even if that local
    community has jurisdiction.

  • Yes, and is available for Government Buildings that employ personal only. These building must meet strict building requirements including waterproofing and break away walls.

Explanation

Question 5 of 15

1

What is the amount of surcharge applied to all policies of participating NFIP community on probation?

Select one of the following:

  • A $50 Probation Surcharge to all policies except (GFIP's) in the community, issued on or after the probation effective date.

  • A $100 Probation Surcharge to all policies except (GFIP's) in the community, issued on or after the probation effective date.

  • A $200 Probation Surcharge to all policies except (GFIP's) in the community, issued on or after the probation effective date.

  • A $250 Probation Surcharge to all policies in the community, issued on or after the probation effective date.

Explanation

Question 6 of 15

1

What type of community does not participate in the NFIP or where flood insurance is no longer available one year from the date FEMA provided the community with an FHBM or a FIRM delineating its food-prone areas?

Select one of the following:

  • Non Participating Community

  • Suspended NFIP Community

  • Neglected Flood Community

  • District Map Community

Explanation

Question 7 of 15

1

Check the correct answers that would result from a "Suspended NFIP Community"?

Select one or more of the following:

  • The NFIP may not renew a policy while the community
    is suspended.

  • Insurers must cancel any policies issued in error or any policy
    renewed after the date of a community suspension.

  • To obtain coverage after the NFIP reinstates a community,
    property owners should contact their agent or insurer to submit
    a new application.

  • Insurers must use the applicable waiting period required to
    obtain coverage.

  • Insurers must pay out ACV only on losses while community suspended.

Explanation

Question 8 of 15

1

What's different about the (CBRS) and (OPA's) when determining coverage through the NFIP?

Select one of the following:

  • Flood insurance may not be available in the Coastal Barrier
    Resources System and Otherwise Protected Areas.

  • Flood insurance is always available in the (CBRS) and (OPA's) due to coastal preservation efforts.

  • Flood insurance is a right in any (CBRS) and (OPA's) no matter where you live.

  • Flood insurance is available in the Coastal Barrier
    Resources System and Otherwise Protected Areas of historic value only.

Explanation

Question 9 of 15

1

The NFIP will insure a building affixed to a permanent site that:

Select one or more of the following:

  • Has two or more outside rigid walls with a fully secured roof;

  • Resists flotation, collapse, and lateral movement; and

  • Has at least 51 percent of the Actual Cash Value (ACV) of the building,
    including machinery and equipment that are a part of the building,
    above ground level unless the lowest level of the affixed structure is
    at or above the Base Flood Elevation (BFE) and is below ground
    using earth as insulation material in conjunction with energy-efficient
    building techniques.

  • Is completely over water and was substantially improved by 1983 to meet more stringent building codes.

Explanation

Question 10 of 15

1

What percentage of qualified coverage is available for detached garage that can service a 1-4 family dwelling.

Select one of the following:

  • 5%

  • 10%

  • 15%

  • 20%

Explanation

Question 11 of 15

1

In NFIP Regular Program community or Emergency Program community, provides
building coverage and/or contents coverage for these and similar non-residential business
or other non-residential building or unit. : Check all the correct answers

Select one or more of the following:

  • Hotel or motel with normal guest occupancy of less than 6 months;

  • Licensed bed-and-breakfast inn;

  • Retail shop, restaurant, or other business

  • Mercantile building

  • Grain bin, silo, or other farm building

  • Agricultural or industrial processing facility

  • Single family home

  • Warehouse

  • Poolhouse, clubhouse, or other recreational building

  • House of worship

Explanation

Question 12 of 15

1

Check all the correct answers that describe the eligibility of the Dwelling Form.

Select one or more of the following:

  • Single-family, non-condominium residence with incidental occupancy limited to
    less than 50% of the total floor area;

  • 2–4 family, non-condominium building with incidental occupancy limited to less
    than 25% of the total floor area;

  • Dwelling unit in residential condominium building

  • Residential townhouse/rowhouse

  • Personal contents in a non-residential building

  • Commercial warehouse

  • Dormitory

Explanation

Question 13 of 15

1

Which is true about the Dwelling Form. Check all the correct answers.

Select one of the following:

  • The Dwelling Form is Issued to homeowner, residential renters, or owner of residential building containing 1 to 4 units.

  • The Dwelling Form is issued by underwriting to ensure the structure meets the checklist of requirements to join a flood community.

  • ALE is available under the Dwelling Form for a period not to exceed 30 days.

  • Dwelling form can be used in some instances to cover a residential condominium building with a homeowners association.

Explanation

Question 14 of 15

1

What types of structures can be insured with the "General Property Form"?

Select one or more of the following:

  • Apartment building;

  • Residential cooperative building;

  • Dormitory;

  • Assisted-living facility;

  • Hotels, motels, tourist homes, and rooming houses that have more than 4 units
    where the normal guest occupancy is 6 months or more.

  • Single family home.

Explanation

Question 15 of 15

1

What percentage is residential occupation is required to qualify for a (RCBAP) policy?

Select one of the following:

  • 25%

  • 50%

  • 75%

  • 100%

Explanation

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