Standard Flood Insurance Policy, Dwelling Form (44 CFR part 61, appendix A(1))

Exactly what this source supports

These are the only claims this record is used to carry anywhere in the library.

• The Dwelling Form defines direct physical loss by or from flood as loss or damage to insured property, directly caused by a flood, and states that there must be evidence of physical changes to the property.

  claim nfip-sfip-dwelling-form#c1

• The Dwelling Form defines actual cash value as the cost to replace an insured item of property at the time of loss, less the value of its physical depreciation.

  claim nfip-sfip-dwelling-form#c2

• The Dwelling Form applies replacement cost settlement to a single family dwelling that is the insured's principal residence when, at the time of loss, the amount of insurance in the policy that applies to the dwelling is 80 percent or more of its full replacement cost immediately before the loss, or is the maximum amount of insurance available under the NFIP. The two branches are stated in the alternative, so satisfying either one meets the insurance-amount condition.

  claim nfip-sfip-dwelling-form#c3

• The Dwelling Form provides separate coverages with separate limits for Building Property and Personal Property, with the limit amounts shown on the Declarations Page, and provides that separate deductibles apply to the building and personal property insured by the policy.

  claim nfip-sfip-dwelling-form#c4

• The Dwelling Form provides that the insurer will pay no more than $2,500 for any one loss to one or more of several listed kinds of personal property, including artwork, photographs, collectibles, or memorabilia, rare books, jewelry, and furs.

  claim nfip-sfip-dwelling-form#c5

Each claim above has its own address. Link to a single claim with/sources/nfip-sfip-dwelling-form#c1, and read the same list with its identifiers, checksums and dates at nfip-sfip-dwelling-form.json. A checksum lets you tell whether a claim you cited still says what it said.

Pages that cite this source

Reviewer notes

Fetched 2026-08-31 and each claim read on the page. Re-fetched on 2026-08-31 to read the Loss Settlement replacement cost condition in full, because an earlier draft quoted only the 80 percent branch; the form states the insurance-amount condition in the alternative, '80 percent or more of its full replacement cost immediately before the loss, or is the maximum amount of insurance available under the NFIP', and both branches are now recorded. eCFR was tried again on 2026-08-31 for the official rendering and returned a redirect to unblock.federalregister.gov rather than the appendix, so the Cornell hosted copy remains the accessible text. authorityLevel is recorded as 'secondary' rather than 'primary-law' for that reason. This is one specific published federal form and is cited as an example that anyone can read, not as representative of private homeowners or commercial form wording.