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Every state has a safety net to protect insurance consumers from financial loss in the rare instance that a company becomes insolvent . Substantial improvement or damage does not , however , include any project for improvement of a building to correct existing violations of state or local health , sanitary , or safety code specifications which have been identified by the local code enforcement official and which are the minimum necessary to assure safe living conditions . It is almost a certainty that the minority Democrats will oppose the agreement more in unison than their opponents . Representatives of major insurance companies and insurance trade associations met with FIA officials to determine the best way to achieve this reinvolvement , and the company representatives outlined conditions under which the voluntary sector would become involved in the WYO program . Because detailed hydraulic analyses have not been performed , no base flood elevation or depths are shown .