Repairing Flood-Damaged Structures in Citrus County

Citrus County homeowners with insurance policies covered by the National Flood Insurance Program (NFIP) are urged to file flood claims as soon as possible. Policyholders should call their insurance agent or provider to initiate a claim. If the flood insurance policy recently expired, ask your agent if you are still within a renewal grace period. You may be able to pay in full to renew and be covered for a loss during that time.

For homes with significant damage, a Substantial Damage Determination (SDD) can qualify property owners for the Increased Cost of Compliance (ICC) portion of their flood insurance policy. ICC coverage provides up to $30,000 to help pay for relocating, elevating, demolishing, and floodproofing (non-residential buildings), or any combination of these mitigation activities.

Are You Eligible to File a Claim for ICC?

Yes, if:

1) You have an NFIP flood insurance policy; and
2) The building department determines your home to be substantially damaged by flooding; and
3) The flood damage to your home is equal to 50% or more of the pre-flood market value.

The formula to determine the cost of repair begins with the Property Appraiser’s Replacement Cost New Less Depreciation, increases that number by 20%, then utilizes 50% of the calculated value. Structures requiring more than this total cost in repairs are determined to be substantially damaged.

To obtain an SDD letter from Citrus County Growth Management:

• Complete and submit an itemized cost estimate form that details the entire scope of work, all material costs, labor, overhead and profit for restoring the structure to pre-flood condition. The form must contain the date of the damage, structure address, the property owner’s name, and a signature from the person requesting the determination.
• Submit photos of before and after the damage (if available).

To obtain a flood damage repair permit to restore structure to pre-flood condition*:

• Complete a permit application.
• Complete and submit an itemized cost estimate form that details the entire scope of work, all material costs, labor, overhead and profit for restoring the structure to pre-flood condition. The form must contain the date of the damage, structure address, the property owner’s name, and a signature from the person requesting the determination.
• Submit a floor plan indicating the depth of water intrusion and area of damage.

* Please note that flood damage repair permits are necessary even for those structures not covered by flood insurance.

For additional assistance, visit the Lecanto Government Building (located at 3600 W Sovereign Path, Lecanto) during normal business hours, call (352) 527-5310, or email Karla.Grezca@citrusbocc.com.