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A. Established: The determination as to whether to make payment for loss under this chapter shall be based on the following criteria:

1. Whether an eligible applicant suffered an otherwise uninsured property loss, caused by break, obstruction or backup of a city owned water main or sewer line, under circumstances where the applicant acted responsibly to avoid the loss; and

2. If so, whether the extent of the loss has been adequately substantiated.

B. Denial: The following shall result in the denial of an application:

1. Application not timely submitted;

2. Loss fully covered by private insurance;

3. Applicant ineligible under the terms of this chapter;

4. Loss caused by an irresponsible act of the applicant, applicant’s agent, or member of applicant’s business or household;

5. Loss or eligibility unsubstantiated.

C. Reduction: The following shall result in reduction of payment:

1. Loss partially covered by private insurance;

2. Loss exceeds payment limits of this chapter;

3. Verification of loss inadequate or incomplete;

4. Applicant did not cause the problem but failed to act responsibly to minimize the loss. (Ord. 1-1-1991, 1-3-1991)