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• Any event,weather-related or otherwise, for which FEMA assistance is available; <br /> • Any interruption in the electric power supply to the city's sewer system or to any city sewer lift <br /> station which continues for more than 72 hours; or <br /> • Rainfall or precipitation that exceeds the amount determined by the National Weather Service <br /> to constitute a 100-year storm event. <br /> What costs would be covered? <br /> The coverage would reimburse the property owner for the cost of cleaning up the backup, and for <br /> any damage to the property,up to the coverage limit. For purposes of the city's deductibles, <br /> claims under the no-fault coverage are treated as liability claims, so the same per-occurrence <br /> and/or annual deductibles will apply. <br /> However,there are certain costs that would not be reimbursed under the no-fault coverage: <br /> • Any costs which have been or are eligible to be covered under the property owner's own <br /> homeowner's or other property insurance; and <br /> • Any costs that would be eligible to be reimbursed under an NFIP flood insurance policy, <br /> whether or not the property owner actually has NFIP coverage. <br /> What is the coverage limit? <br /> The basic limit is $10,000 per building per year. The city also has options to purchase additional <br /> limits of$25,000 or$40,000 per building. For purposes of the limit, a structure or group of <br /> structures that is served by a single connection to the city's sewer system will be considered a <br /> single building. <br /> Only true "no-fault"claims are counted toward the limit. Claims for damages caused by city <br /> negligence, for which the city would be legally liable in any case, are not charged against that <br /> limit. <br /> What does it cost? <br /> The premium charge is a percentage of the city's municipal liability premium: <br /> • 8.5% for the$10,000 limit; <br /> • 10.0%for the$25,000 limit; or <br /> • 12.5%for the$40,000 limit. <br /> Because the LMCIT Board's intent is that this coverage be self-supporting, charges will be <br /> continually monitored and, if necessary, adjusted in the future. <br /> Is every city automatically eligible? <br /> No. To be eligible, the city must meet these underwriting criteria: <br /> Sewer Toolkit <br /> Other Resources- 15 <br />