Stafford Act 406(d) states that any facility located in a special flood hazard area; identified more than year by the Director; that is damaged by flooding in a major disaster and is not covered by flood insurance on the date the flooding occurred will have any federal assistance available reduced by the maximum amount of insurance proceeds which would have been payable through the National Flood Insurance Act of 1968.None of the Applicant facilities included in the second appeal were covered on the date the flooding occurred.Standard Flood Insurance Policy (SFIP) V(D)(4) states that mold damage resulting from “failure to inspect and maintain the property after a flood recedes” is not covered by NFIP.The Applicant performed mold remediation approximately one year after the flooding; however; initial mold abatement activities were conducted to include the application of mildewcide and fungicide to prevent further contamination.

HeadnotesStafford Act § 406(d) states that any facility located in a special flood hazard area; identified more than year by the Director; that is damaged by flooding in a major disaster and is not covered by flood insurance on the date the flooding occurred will have any federal assistance available reduced by the maximum amount of insurance proceeds which would have been payable through the National Flood Insurance Act of 1968.None of the Applicant’s facilities included in the second appeal were covered on the date the flooding occurred.Standard Flood Insurance Policy (SFIP) § V(D)(4) states that mold damage resulting from “failure to inspect and maintain the property after a flood recedes” is not covered by NFIP.The Applicant performed mold remediation approximately one year after the flooding; however; initial mold abatement activities were conducted to include the application of mildewcide and fungicide to prevent further contamination.