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:
https://www.cityofsacramento.org/Utilities/Drainage/Flood-Ready/Flood-Depth-and-Evacuation-Maps
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 photo above is what the association’s master policy will pay for- reconstruction up to this point. 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: Bettsi Ledesma, CMCA, AMS, 916.929.8380, Bettsi.ledesma@fsresidential.com
Here are some handouts that may be helpful: