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Section 1.14: Hazard and Flood Insurance | 04/23/2021

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Section 1.14: Hazard and Flood Insurance | 04/23/2021 Section 1.14 – Hazard and Flood Insurance In This Policy This policy section contains the following topics. Section Overview ...............................................................................................3 General ..............................................................................................3 Suspension of Policy Issuance Due to Impending Disaster Warnings ...........3 Enforceable Insurance Policy.................................................................4 Related Bulletins.....................................................................................4 General ..............................................................................................4 Hazard Insurance – 1-4 Unit Single Family Dwelling.....................................5 General ..............................................................................................5 Property Address .................................................................................5 Coverage Amount ................................................................................5 Insurable Value Defined ........................................................................5 Formula for Determining Amount of Required Coverage ............................6 Deductibles .........................................................................................7 Exclusions from Coverage.....................................................................7 Mortgagee Clause................................................................................7 Policy Term.........................................................................................7 Policy Prepayment ...............................................................................7 Binder Term ........................................................................................7 Receipt...............................................................................................7 Acceptable Rating Agencies ..................................................................8 Alternative Arrangements ......................................................................9 Perpetual Homeowner’s Insurance Policies..............................................9 Escrow ...............................................................................................9 Refinances .........................................................................................9 Hazard Insurance – Condominium........................................................... 10 General ............................................................................................ 10 All in Policy ....................................................................................... 11 Bare Walls Policy ............................................................................... 11 HO-6 Policy ...................................................................................... 12 Master Insurance Requirements........................................................... 13 Refinances ....................................................................................... 15 Special Endorsements ........................................................................ 16 Acceptable Rating Agencies ................................................................ 16 Alternative Arrangements .................................................................... 16 PUD Insurance Requirements................................................................. 17 Attached PUD Requirements for Units Being Insured Individually .............. 17 Detached PUD Requirements .............................................................. 17 Fire Insurance ...................................................................................... 18 Single Family (1-4 unit) Dwelling .......................................................... 18 Acceptance of Combined Insurance Policies ............................................. 18 General ............................................................................................ 18 Flood Insurance.................................................................................... 19 General ............................................................................................ 19 Flood Hazard Determination ................................................................ 21 Flood Act Requirements...................................................................... 22 Escrows ........................................................................................... 23 Address Differences ........................................................................... 23 Truist Internal Information Only ............................................................ 24 Flood Determination Vendor ................................................................ 24 Acceptable Proof of Initial Insurance ..................................................... 24 Section 1.14 April 23, 2021 Hazard and Flood Insurance Page 1 of 40 Correspondent Seller Guide Broker Seller Guide Condominiums .................................................................................. 28 Refinances ....................................................................................... 31 Unacceptable Proof of Insurance.......................................................... 32 Grandfathering and Preferred Risk Eligibility Extension Policy................... 33 Special Rules for Coastal Barrier and Other Protected Areas (CBRS and OPAs) 34 Availability of Flood Insurance in CBRS/OPAs ...................................... 35 Private Flood Insurance -Acceptable Rating Agencies and Rating Categories35 Waiving Flood Insurance..................................................................... 36 Map Amendment Request ................................................................... 37 Definitions............................................................................................ 38 Definitions......................................................................................... 38 Exhibit 1 .............................................................................................. 39 Section 1.14 April 23, 2021 Hazard and Flood Insurance Page 2 of 40 Correspondent Seller Guide Broker Seller Guide Overview General Agency Loan Programs Reference: See the “Property and Flood Insurance” topic outlined in Section 2.01 Agency Loan Programs of the Correspondent Seller Guide for hazard and flood insurance guidelines for Agency loan programs. FHA Loan Programs Reference: See the “Property and Flood Insurance” topic outlined in Section 2.22 The FHA 203(b) Loan Programs of the Correspondent Seller Guide. VA Loan Programs Reference: See the “Property and Flood Insurance” topic outlined in Section 2.23: Veterans Administration (VA) Loan Program of the Correspondent Seller Guide. RD Loans Reference: See the property and flood Insurance topic outlined in RD Handbook 3555-1. Key Loan Program Property insurance, including homeowners/hazard policies, fire policies and flood policies, is required for all loans. The type of insurance required depends on varying factors such as property type, occupancy, the flood zone improvements are located in, etc. Note: The Mortgage obligates the Mortgagor thereunder to maintain all such insurance at the Mortgagor’s cost and expense, and on the Mortgagor’s failure to do so, authorizes the holder of the Mortgage to maintain such insurance at the Mortgagor’s cost and expense and to seek reimbursement therefor from the Mortgagor and may not be canceled, reduced or terminated without 30 days’ prior notice. If the Mortgaged Property is a condominium unit, it is included under coverage afforded by a blanket policy for the project. Suspension of In the event of impending disasters (earthquake, hurricane, tornado, etc.), insurance Policy Issuance companies may suspend the issuance of new policies until there is no longer a risk Due to to the property from the disaster. Under no circumstances can loans be closed Impending until such time as a policy can be obtained. Disaster Warnings Continued on next page Section 1.14 April 23, 2021 Hazard and Flood Insurance Page 3 of 40 Correspondent Seller Guide Broker Seller Guide Overview, Continued Enforceable With respect to any insurance policy including, but not limited to, hazard, title, or Insurance mortgage insurance, covering a Mortgage Loan and/or the related Mortgaged Policy Property, (A) such policy (i) is a valid, binding and enforceable obligation of the qualified insurer and is in full force and effect and will inure to the benefit of the Purchaser and will be in full force and effect upon the consummation of the transactions contemplated by the Correspondent Loan Purchase Agreement, and (ii) contains a standard mortgagee clause naming the Seller, its successors, and its assigns as mortgagee, (B) neither the originator nor any prior holder has engaged in any act or omission which would impair the coverage of any such policy, the benefits of the endorsement, or the validity and binding effect of either, including without limitation, no unlawful fee, commission, kickback or other unlawful compensation or value of any kind has been or will be received, retained or realized by any attorney, firm or other person or entity, and no such unlawful items have been received, retained or realized by the originator, (C) all premiums due thereunder have been paid, and (D) all provisions are being complied with and no action,
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