Agenda 06/25/2013 Item #16E36/25/2013 16.E.3.
EXECUTIVE SUMMARY
Recommendation to approve the purchase of flood insurance effective July 1, 2013 in the
estimated amount of $105,183.
OBJECTIVE: To identify uninsured county -owned properties in special flood hazard areas under the
latest Flood Insurance Rate Maps (FIRM) and purchase flood insurance to protect these real and
personal property assets against losses caused by the peril of flood and to comply with the Stafford Act.
CONSIDERATIONS: The Board of Commissioners purchases flood insurance to protect the County's
real and personal property assets against losses caused by the peril of flood. Additionally, it is
purchased in order to comply with Section 311 (42 U.S.0 5154) of the Stafford Act which requires that
an applicant for FEMA assistance "shall comply with regulations prescribed by the President to assure
that, with respect to any property to be replaced, restored, repaired, or constructed with such assistance,
such types and extent of insurance will be obtained and maintained as may be reasonably available,
adequate, and necessary, to protect against future loss to such property."
Primary flood coverage is typically excluded from commercial property insurance policies. Flood
coverage is underwritten by the National Flood Insurance Program and policies are sold and serviced by
insurance carriers and brokers. The maximum limit of coverage that can be purchased per building is
$500,000 and $500,000 for contents. The county's property insurance policy provides excess flood
coverage above the $500,000 NFIP limit up to a maximum of $75,000,000. Currently, the county carries
coverage on ninety five (95) properties with total insured values of $43,290,114 at a premium of
$204,200.
The latest Flood Insurance Rate Maps were adopted in May, 2012. These maps significantly extended
the boundaries of the special flood hazard areas. This placed many county owned properties in flood
zones that previously were excluded. The Risk Management staff, Real Property Management staff and
the County's insurance broker, IRMS, worked together to identify properties that fall within the special
flood hazard areas of the newly adopted rate maps. Surveys were completed and elevation certificates
were obtained in .order to compile rates from the underwriter.
An. additional one hundred fifty seven (157) properties were identified in special flood hazard areas. Of
those, one hundred eleven (111) properties are recommended for the purchase of flood insurance. The
total insurable value of these properties is $33,050,800 and the premium to insure them is $105,183. It
is recommended that coverage not be purchased on forty six (46) properties due to excessive cost or
due to the limited value of the property (typically less than $10,000). In the event of loss, claims would
be paid from Fund 516, Property and Casualty reserves on these properties.
FISCAL IMPACT: The estimated annual cost to insure these additional properties is $105,183.
Sufficient funds have been budgeted within Fund 516, Property and Casualty Insurance for this
purchase.
GROWTH MANAGEMENT IMPACT: There is no growth management impact associated with this item.
LEGAL CONSIDERATIONS:
RECOMMENDATION: That the Board approves the purchase of flood insurance as outlined in the
Executive Summary and as may later be identified and authorizes the County Manager or designee to
complete any applications or other documents necessary to bind coverage effective July 1, 2013.
PREPARED BY: Jeffrey A. Walker, CPCU, ARM, Director, Risk Management Department
Packet Page -1166-
6/25/2013 16.E.3.
COLLIER COUNTY
Board of County Commissioners
Item Number: 16.16.E.16.E.3.
Item Summary: Recommendation to approve the purchase of flood insurance effective
July 1, 2013 in the estimated amount of $105,183.
Meeting Date: 6/25/2013
Prepared By
Name: WalkerJeff
Title: Director - Risk Management,Risk Management
6/6/2013 10:18:03 AM
Submitted by
Title: Director - Risk Management,Risk Management
Name: WalkerJeff
^ 6/6/2013 10:18:05 AM
Approved By
Name: pochopinpat
Title: Administrative Assistant,Facilities Management
Date: 6/6/2013 1:44:15 PM
Name: GreeneColleen
Title: Assistant County Attorney,County Attorney
Date: 6/13/2013 11:46:36 AM
Name: PriceLen
Title: Administrator, Administrative Services
Date: 6/13/2013 1:37:46 PM
Name: GreeneColleen
Title: Assistant County Attorney,County Attorney
Date: 6/14/2013 11:10:33 AM
14-N Name: KlatzkowJeff
Packet Page -1167-
Title: County Attorney
Date: 6/14/2013 2:28:39 PM
6/25/2013 16.E.3.
Name: PryorCheryl
Title: Management/ Budget Analyst, Senior,Office of Manag
Date: 6/18/2013 9:14:19 AM
Name: IsacksonMark
Title: Director -Corp Financial and Mgmt Svs,CMO
Date: 6/18/2013 12:05:42 PM
Packet Page -1168-
6/25/2013 16.E.3.
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