Basement Coverage Limitations: Difference between revisions
No edit summary |
|||
| Line 18: | Line 18: | ||
* Foundation elements and anchorage systems required to support a building | * Foundation elements and anchorage systems required to support a building | ||
=== Basement Contents Coverage === | |||
'''What kind of contents coverage is provided in a basement under the NFIP Standard Flood Insurance Policy?''' | '''What kind of contents coverage is provided in a basement under the NFIP Standard Flood Insurance Policy?''' | ||
| Line 26: | Line 27: | ||
* Food freezers and the food in them (excluding walk-in freezers) | * Food freezers and the food in them (excluding walk-in freezers) | ||
=== Basement Coverage Exclusions === | |||
'''What kind of items are excluded from coverage in a basement under the NFIP Standard Flood Insurance Policy?''' | '''What kind of items are excluded from coverage in a basement under the NFIP Standard Flood Insurance Policy?''' | ||
Revision as of 16:15, 10 December 2024
 |
This page may need to be edited based on suggestions or concerns. Read more in the Discussion page. |
Basement coverage under the Standard Flood Insurance Policy (SFIP) consists of specific building items in a basement and cleanup. Items must be connected to a power source, where appropriate, and/or installed in their functioning location.
Cleanup expenses can include pumping out trapped floodwater, labor to remove or extract spent cleaning solutions, treatment for mold and mildew, and structural drying of salvageable interior foundation elements.
Items Covered
Examples of covered items include:
- Central air conditioners
- Fuel tanks and the fuel in them
- Furnaces and water heaters
- Sump pumps, heat pumps, and well water tanks and pumps
- Electrical outlets and switches
- Elevators, dumbwaiters, and related equipment
- Drywall that is unfinished and un-taped for walls and ceilings
- Electrical junction and circuit breaker boxes
- Stairways and staircases attached to the building
- Foundation elements and anchorage systems required to support a building
Basement Contents Coverage
What kind of contents coverage is provided in a basement under the NFIP Standard Flood Insurance Policy?
Contents covered items, provided they are connected to a power source, include:
- Clothes washers and dryers
- Air conditioning units, portable or window type
- Food freezers and the food in them (excluding walk-in freezers)
Basement Coverage Exclusions
What kind of items are excluded from coverage in a basement under the NFIP Standard Flood Insurance Policy?
Items located in the basement and not specifically listed in your flood insurance policy are not covered. Additionally, SFIPs do not pay for removal of non-covered building or personal property, Contents not specifically listed above are not covered.
Additional Resources
- Basement Flooding Infographic
- FEMA Fact Sheet: Coverage in a Basement
- Summary of Coverage - Residential
 |
This page contains information about the NFIP. Find more NFIP Resources. |