Page 110 - permit book

Building Permit and Property Protection

You might need a Building Permit to start your repairs. If you are in the floodplain, are substantially
damaged, and have flood insurance, you may be eligible for ‘Increased Cost of Compliance’ (ICC)
coverage, which will pay up to $30,000 to mitigate (elevate, demolish, or relocate) your flooded home.
Check with the Building & Development Department before you start repair work.

Substantial Damage
Some homes in your neighborhood may have received notification from the City of Rockport or the Building
Officials Association of Texas indicating that the home has been substantially damaged by the recent weather
event. Rebuilding a home that has sustained substantial damage has different requirements, and depends on
several factors.

Substantial Damage applies only to structures located in the Special Flood Hazard Area, 100-year floodplain
and floodway). The 100-year flood is an area having a 1% chance of flooding in any given year (not every 100
years.) “Substantial damage” means that the City’s Building & Development Department has determined
that the damage to the structure is such that the total cost of restoring the structure to its pre-damage
condition equals or exceeds 50% of the pre-damage market value of the structure only (i.e., not including
the land value).

How to Calculate Substantial Damage:

1. Find the Total Pre-Damage Value of the Structure (not including land) based on your County Appraisal
District records www.aransascad.org or a private appraisal that has been done in the last five years.

example: Total Value $200,000, Structure Value $100,000

2. Find the Repair Cost on the documents you get back from your flood insurance company or from a
contractor’s estimate of the total cost to repair your structure to pre-damage condition.

example: $60,000

3. Divide the Repair Cost by the Value of the Structure.

example: $60,000 ÷ $100,000 = 0.6

4. Multiply by 100 to convert to percentage

example: 0.6*100 = 60 %.

5. Result is 50% or more, the structure is Substantially Damaged

If You Are Substantially Damaged