PLMAeasy
To qualify for a Massachusetts FAIR Plan (MPIUA) policy under M.G.L. c. 175C, an applicant generally must show what?
AThat they have filed at least three NFIP flood claims in the past five years and live in a FEMA special flood hazard area
That they have been unable to obtain comparable property coverage in the voluntary market
CThat they live more than fifty miles inland from Cape Cod
DThat their dwelling is worth at least $3,000,000
Why this is the answer
Under M.G.L. c. 175C and the MPIUA Plan of Operation, an applicant becomes eligible only after demonstrating a declination history or inability to obtain comparable basic property coverage in the voluntary market. The Plan is not tied to inland distance, dwelling value above a floor, or NFIP flood claim history — it is a residual safety net for any otherwise-uninsurable Massachusetts risk.
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