Insurance: What You Need to Know

Nepenthe Insurance Forum, February 16, 2023

Our experts from the City of Sacramento, Daniel Smith and Neal Joyce provided this link to view in detail the flood maps for our area:

Edith Lohman from FEMA also provided these digital copies of information about the National Flood Insurance Program:

Flood Insurance What’s Covered Infographic

NFIP Summary of Coverage Residential September 2021

Hopefully, you will never suffer a sudden loss, but if you do, you need to know what Nepenthe Insurance Policies will cover. The association’s master policy will pay for- reconstruction up to the installation of dry wall. Everything else- the fixtures and contents will be covered under your insurance. Also, it’s important to know that the insurance deductible is your responsibility. Currently, this deductible is $25,000. Usually the homeowner’s insurance policy covers this cost.

Nepenthe Insurance Homeowner Insurance (Commonly known as an “HO-6)
Building Structure Wall texture
Plumbing Cabinetry
Electrical wiring Appliances
Doors and windows Plumbing Fixtures
Drywall and taping Flooring
Wall insulation Lighting Fixtures
Personal Belongings

The flood policy is different and covers up to $100,000 worth of personal belongings.

Questions? Contact management:

General Manager:  Nicole Marks 916.929.8380,

Here are some handouts that may be helpful:

Disclosure 2023-2024

2.0 Dwelling Form – Standard Flood Insurance Policy_NFIP