preserve the property, and (iii) may move the property if necessary to use the land, provided such action is taken in a reasonable manner.
2. How will I know if my property is safe to move back to?
Town health officials and the Division of Fire Safety do not inspect private, single-family homes for safety. Only if a structure poses an imminent risk to public health does the government have the power to condemn the property. It is up to the homeowner to hire a contractor or electrician to determine the safety of the home.
3. Can my property be condemned?
Yes. A single family home can be condemned only if it poses an imminent risk to public health. Rental properties, conversely, can be condemned by the Division of Fire Safety based on electrical, fire, or structural hazards, or by the local board of health for a variety of other problems.
4. If the property is condemned due to a disaster, will I be paid for it?
This form of condemnation (determining that a structure is no longer habitable) is not a “taking” for public use. The government would not be liable to the property owner where it has condemned the property in the interest of public safety, and in any case, the value of a condemnable property is generally $0. Insurance or FEMA or similar relief will be the sole source of recovery.
5. Is flood damage to my home covered under my insurance policy?
Your homeowner’s insurance policy (sometimes called a “casualty insurance policy,” “hazard insurance policy,” or “fire and extended coverage policy”) normally does not cover flood damage. A separate policy purchased through the National Flood Insurance Program is the only policy that covers homeowners in the event of a flood. You may have been required to purchase flood insurance if your home was in a floodplain or floodway and you had a federally insured mortgage. Normal insurance policies may cover water damage inside the home from direct or blowing rainfall, but it normally does not cover damage from surface water or rising water. Windstorm insurance normally will be limited to greater-than-normal wind conditions, such as from a disaster. You should read your policy, talk to your insurance agent, and consult an attorney if you have questions.
6.
Does my automobile insurance cover the damage to my car resulting from the disaster?
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