[Code of Federal Regulations]
[Title 44, Volume 1]
[Revised as of October 1, 2004]
From the U.S. Government Printing Office via GPO Access
[CITE: 44CFR61.13]

[Page 272]
 
              TITLE 44--EMERGENCY MANAGEMENT AND ASSISTANCE
 
 CHAPTER I--FEDERAL EMERGENCY MANAGEMENT AGENCY, DEPARTMENT OF HOMELAND 
                                SECURITY
 
PART 61_INSURANCE COVERAGE AND RATES--Table of Contents
 
Sec. 61.13  Standard Flood Insurance Policy.

    (a) Incorporation of forms. Each of the Standard Flood Insurance 
Policy forms included in appendix ``A'' hereto (General Property, 
Dwelling, and Residential Condominium Building Association) and by 
reference incorporated herein shall be incorporated into the Standard 
Flood Insurance Policy.
    (b) Endorsements. All endorsements to the Standard Flood Insurance 
Policy shall be final upon publication in the Federal Register for 
inclusion in appendix A.
    (c) Applications. The application and renewal application forms 
utilized by the National Flood Insurance Program shall be the only 
application forms used in connection with the Standard Flood Insurance 
Policy.
    (d) Waivers. The Standard Flood Insurance Policy and required 
endorsements must be used in the Flood Insurance Program, and no 
provision of the said documents shall be altered, varied, or waived 
other than by the express written consent of the Administrator through 
the issuance of an appropriate amendatory endorsement, approved by the 
Administrator as to form and substance for uniform use.
    (e) Oral and written binders. No oral binder or contract shall be 
effective. No written binder shall be effective unless issued with 
express authorization of the Administrator.
    (f) The Standard Flood Insurance Policy and endorsements may be 
issued by private sector ``Write-Your-Own'' (WYO) property insurance 
companies, based upon flood insurance applications and renewal forms, 
all of which instruments of flood insurance may bear the name, as 
Insurer, of the issuing WYO Company. In the case of any Standard Flood 
Insurance Policy, and its related forms, issued by a WYO Company, 
wherever the names ``Federal Emergency Management Agency'' and ``Federal 
Insurance Administration'' appear, the WYO Company is authorized to 
substitute its own name therefor. Standard Flood Insurance Policies 
issued by WYO Companies may be executed by the issuing WYO Company as 
Insurer, in the place and stead of the Federal Insurance Administrator.

[43 FR 2570, Jan. 17, 1978. Redesignated at 44 FR 31177, May 31, 1979, 
as amended at 44 FR 62517, Oct. 31, 1979; 48 FR 46791, Oct. 14, 1983; 58 
FR 62424, Nov. 26, 1993]

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