Increased Cost of Compliance (ICC) Overview
National Flood Insurance Program (NFIP) policyholders are eligible for an Increased Cost of Compliance (ICC) claim benefit provided that certain eligibility criteria are satisfied. Compliance activities include elevation, flood-proofing, relocation, and demolition.
NFIP policyholders may receive up to $30,000 under this coverage to comply with state or local floodplain management laws or ordinances. This insurance facilitates an insurance alternative to disaster assistance to reduce the escalating costs of repairing damage to buildings and their contents caused by floods.
The NFIP policyholder may voluntarily elect to assign his or her ICC claim benefit to the local community. Once the Assignment of Coverage D form has been signed by the policyholder, the local community official will forward the Assignment of Coverage D form and Substantial Damage Notification to FEMA/NFIP. Upon receipt of both documents, FEMA will verify the submission and release the appropriate documentation to the WYO Company and/or Vendor. The WYO Company and/or Vendor will contact the local community official and initiate an investigation of the claim.
- When and how to file an Increased Cost of Compliance Claim
- Increased Cost of Compliance Proof of Loss (FEMA Form 086-0-10)
This form is used by the policyholder to state the amount for an Increased Cost of Compliance claim with sworn details of loss.
ICC documentation should be transmitted to FEMA/NFIP via the following methods:
Fax to: 301-577-3421; or
Claims Administration Team - NFIP
P.O. Box 310
Lanham, MD 20706