Basement Coverage Limitations: Difference between revisions
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'''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. | |||
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: | Examples of covered items include: | ||
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* 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?''' | ||
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* 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?''' | ||
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* [https://agents.floodsmart.gov/sites/default/files/fema-nfip-basement-flooding-infographic-10-2021.pdf Basement Flooding Infographic] | * [https://agents.floodsmart.gov/sites/default/files/fema-nfip-basement-flooding-infographic-10-2021.pdf Basement Flooding Infographic] | ||
* [https://agents.floodsmart.gov/sites/default/files/fema_basement-flooding_fact-sheet_01-22.pdf FEMA Fact Sheet: Coverage in a Basement] | * [https://agents.floodsmart.gov/sites/default/files/fema_basement-flooding_fact-sheet_01-22.pdf FEMA Fact Sheet: Coverage in a Basement] | ||
* [https://agents.floodsmart.gov/sites/default/files/fema_NFIP-summary-of-coverage_brochure_09-2021.pdf Summary of Coverage - Residential] | |||
{{nfip}} | {{nfip}} | ||
Latest revision as of 16:15, 10 December 2024
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
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This page contains information about the NFIP. Find more NFIP Resources. |