Property Removed to Safety

The policy pays up to $1,000 for the reasonable expenses the policyholder incurs to move insured property to a place other than the described location in order to protect it from flood or imminent danger of flood. Reasonable expenses include the value of the work, at Federal minimum wage, that the policyholder or a member of his or her household performs.

If the insured property is moved to a location other than the described location that contains the property in order to protect it from flood or the imminent danger of flood, the insured property is insured at that location for a period of 45 consecutive days from the date the policyholder begins to move it there. The personal property must be placed in a fully enclosed building or otherwise reasonably protected from the elements.

Any property removed, including a moveable home as described under the policy definition of a building, must be placed above ground level or outside of the SFHA.