WAKULLA COUNTY BUILDING DEPARTMENT CRAWFORDVILLE, FLORIDA 32327

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1 WAKULLA COUNTY BUILDING DEPARTMENT CRAWFORDVILLE, FLORIDA PHONE: (850) FAX: (850) SUBSTANTIAL IMPROVEMENT/DAMAGE (THE 50% RULE) NOTICE TO PROPERTY OWNERS Rebuilding your home after the storm? Adding on, renovating, or remodeling your home? Information you need to know about the 50% rule If your home or business is below the established base flood elevation and has flood damage, flood prevention regulations may affect how you remodel, renovate, or add on to your building. If your home or business sustained structural and/or interior damage, these regulations may affect how you rebuild. These laws are required by the National Flood Insurance Program to protect your lives and investments from future flood damages. Our community must adopt and enforce these laws in order for federally-backed flood insurance to be made available to our residents and property owners. Save yourself time, aggravation and money. Please read the following information: SUBSTANTIAL DAMAGE: Damage of any origin sustained by a structure whereby the cost of restoring the structure to its pre-damage condition would equal or exceeds 50 percent of the market value or replacement cost of the structure before the damage occurred. (Note: The cost of the repairs must include all costs necessary to fully repair the structure to its pre-damaged condition.) SUBSTANTIAL IMPROVEMENT: Any reconstruction, rehabilitation, addition, or other improvement of a structure, the cost of which equals or exceeds 50 percent of the market value of the structure before the start of construction of the improvement. If the building is substantially damaged or substantially improved it must be brought into compliance with the Wakulla County flood damage prevention regulations, including elevation of the building to or above the minimum established base flood elevation. The National Flood Insurance Program (NFIP) requirements, as incorporated in Wakulla County Flood Ordinance, has the responsibility to determine substantial damage and substantial improvements and has implemented the following procedures to do so: 1. Wakulla County will estimate market value by using the tax assessment value of your structure via Wakulla County Property Appraiser s web site (excluding land). If you disagree with this estimate of market value, you may hire a Florida licensed appraiser and submit a comparable property appraisal for the depreciated value of the structure.

2 2. You must obtain and submit to Wakulla County; a detailed and complete cost estimate for any addition, remodeling, reconstruction and/or repair(s) of all the damage(s) sustained to your home; prepared and signed by a Florida licensed contractor. The contractor must sign an affidavit indicating that the cost estimate submitted includes all damages and/or all improvements to your home, not just structural. (See copy attached) Your contractor will evaluate the cost of improvements and/or repairs and Wakulla County will determine if they are fair and reasonable. For damage repairs, pre-storm prices and rates will be utilized. The cost of improvements and/or repairs does not include items not considered a permanent part of the structure. (i.e., Plans, Surveys, Permits, Sidewalks, Pools, Screens, Sheds, Gazebos, Fence etc.) The Property owner must sign and have notarized the 50% rule affidavit of acknowledgement and recorded in the Wakulla County Clerk s Office. (See attached) 3. If your home is determined to have substantial damage or is proposed to be substantially improved, then an elevation certificate must be submitted to determine the lowest floor elevation. Garage(s) and carport(s) are not considered to be the lowest floor. 4. If the lowest floor is below the 100-year flood elevation, the building must be elevated to or above that level (i.e., base flood elevation). Likewise, all electrical and mechanical equipment (heating and cooling, etc.), bathrooms, and laundry rooms must be elevated to or above the established base flood level. Only parking, building access and limited incidental storage is allowed below the flood level. Non-residential building in A zones may be flood-proofed instead of elevated. If the lowest floor, electrical, mechanical equipment, laundry and bathroom are already above the 100-year flood elevation, the building can be repaired and reconstructed without further modifications. 5. Building plans must be prepared to show how the building is to be elevated. These plans must be prepared by a professional engineer or architect certified or registered in the State of Florida. 6. Following a presidential disaster declaration, the Small Business Administration may make loans available for both house(s) and businesses for purposes of elevating the structure to or above the 100-year flood elevation; Proof of substantial damage from the Building Department is required.

3 ITEMS TO BE INCLUDED All structural elements including: Spread or continuous foundation footing and pilings Monolithic or other types of concrete slabs Bearing walls, tie beams and trusses Wood or reinforced concrete decking or roofing Floors and ceilings Attached decks and porches Interior partition walls Exterior wall finishes (i.e. Brick, Stucco, or Siding) including painting and decorative molding Windows and doors Re-shingling or re-tiling a roof Hardware All interior finish elements including: Tiling, linoleum, stone, or carpet over sub-flooring Bathroom tiling and fixtures Wall finishes (i.e. Drywall, Painting, Stucco, Plaster, Paneling, Marble, or other decorative finishes) Kitchen, utility and bathroom cabinets, built-in; bookcases, cabinets and furniture Hardware All utility and service equipment including: Hvac equipment Repair or reconstruction of plumbing and electrical services Light fixtures and ceiling fans Security systems Built-in kitchen appliances Central vacuum systems Water filtration, conditioning or recirculation systems Labor and other costs associated with demolishing, removing or altering building components, overhead and profit.

4 ITEMS TO BE EXCLUDED Plans and specifications Survey costs Permit fees Debris removal (i.e. removal of debris from building or lot dumpster rental, transport fees to landfill and landfill tipping fees), and clean-up (i.e. dirt and mud removal, building dry out, etc.) Items not considered real property such as (throw rugs, carpeting over finished floor, furniture, refrigerator(s), stove(s) not built-in, etc.) Outside improvements, including: Landscaping Sidewalks Fences Yard lights Swimming Pools Screened pool enclosures Sheds Gazebos Detached Structures (including garages) Landscape irrigation systems

5 ITEMS REQUIRED TO DETERMINE SUBSTANTIAL DAMAGE IMPROVEMENT(S) Applicant must submit the following (MAKE SURE YOU HAVE EXTRA COPIES FOR YOUR FILES) 1. Complete the attached application 2. Detailed cost of improvement/reconstruction estimate, affidavit signed by a general contractor and a copy of his license certificate 3. Elevation certificate or elevation survey 4. Current photos and/or photos before and after the storm (if available) 5. Floor plans drawing (if available) 6. Owner s affidavit signed, dated, notarized and filed with the Wakulla County Clerk of Court 7. Contractor s affidavit signed and dated GUIDELINES TO COMPLETE THE ATTACHED RECONSTRUCTION/IMPROVEMENT COST ESTIMATE Reconstruction/Repair Ratio=Percentage of item that must be repaired or reconstructed. (Example: The structure has 20 windows, only 10 were damaged and are being replaced; ratio should equal 50%) ITEMS COST Labor + Materials % OF DAMAGE Concrete, Form, etc. $4, % Carpentry Material $9, % Doors/Windows, Shutters $2, %

6 WAKULLA COUNTY COST ESTIMATE OF RECONSTRUCTION / IMPROVEMENT DPA Number: Date: Address: This cost estimate of reconstruction/improvement must be prepared by and signed by the contractor or by the owner if the owner acts as the contractor. Owners who act as their own contractors must estimate their labor cost at the current market value for any work they intend to perform, including construction supervision costs. Sub-Constrictor Bids Contractor or Owner Estimates Bid Amounts (see note "D") Material Costs Labor Costs 1) Demolition & Removal 2) Masonry 3) Rough Carpentry/ Framing 4) Roofing 5) Insulation and Weather-strip 6) Exterior Finish 7) Doors 8) Windows and Shutter 9) Trim Interior 10) Trim Exterior 11)Hardware 12) Drywall 13) Cabinets (Built-In) 14) Floor Covering 15) Plumbing 16) Shower/ Tub/ Toilet 17) Electrical & Light Fixtures 18) Concrete 19) Built-In Appliances 20) HVACs 21) Paint 22) Construction Supervision Cost 23) Overhead & Profit Subtotals Total Estimate Cost (all three subtotals added together) A) A copy of the signed construction contract must accompany this estimate. B) Subcontractor bids may be used for any material and/or labor cost breakdown. INCLUDE donations and volunteer labor. C) If any amounts appear in the "Sub-contractor" column, a copy of each signed and dated bid must accompany this form. D) Cost backup must be provided for every line item entry. If any amounts appear in the "Sub-contractor" column, a copy of each signed and dated bid must accompany this form. For all other costs, you must list the quantity of materials to be installed and their unit cost on a separate sheet that references the line number. For example, the backup documentation may contain a section called "Drywall to be installed (Line 12)": Signature: Date: EXAMPLE This Sheet (Line12) Separate Sheet Materials: $2, ,000 so 1/2" $2.00/so = $2, Labor: $ MH to Hang $20.00/MH = $320.00

7 AFFIDAVIT OF ACKNOWLEDGEMENT 50% RULE Property Owner(s): Re: Property tax ID number: I hereby acknowledge that my property improvement(s) located at: is subject to Wakulla County Land Development Code Chapter 11, Ordinance number adopted March 4, 2013, regarding a non-conforming structure(s) located in a flood zone. As such, any improvement(s) may not exceed 50% of structure(s) value. The type of improvement(s) to be performed on the referenced property are as follows; The current market value is at $. The cost of improvement(s) shall not exceed 50% of the market value, which is calculated at: $. The (improvement(s) value) or contracted price is as follows: $. Owners Signature Date State of, County of Sworn to (or affirmed) and subscribed before me this day of, 20. Notary Signature (Seal) Personally known or Produced ID Type of ID: