SCOPE OF BASEMENT COVERAGE
ELEMENTS COVERED AS PART OF THE DWELLING
- foundation elements
- required utility connections
- sump pumps
- well water tanks and pumps
- oil tanks (including the oil in them)
- cisterns (including the water in them)
- natural gas tanks (and the gas in them)
- pumps and/or tanks used in conjunction with solar energy systems
- furnaces
- hot water heaters
- heat pumps
- all damaged electrical items
- clean-up
- drywall, sheetrock walls including fiber glass insulation, and ceiling
- if walls are finished or paneled, NFIP will allow only for replacement with unfinished sheetrock (only nailed, not taped)
- elevators and related equipment except for such equipment located below the base flood level if such equipment was installed on or after October 1, 1987
- stairways and staircases attached to the building
- central air conditioners
ELEMENTS COVERED AS CONTENTS
- clothes washers and dryers
- food freezers and the food in them
- portable or window air conditioners
ELEMENTS NOT COVERED
- household contents
- improvements such as finished walls, floors, and ceilings
- building equipment and fixtures not specifically covered
- elevators-relevant equipment installed after October 1, 1987, if located below the base flood level.