Basement And Elevated Building Enclosure Coverages

Building and Contents Elements Covered:

  • Foundation Elements
  • Required Utility Connections
  • Sump Pumps
  • Well Water Tanks and Pumps
  • Oil Tanks and the oil in them
  • Cisterns and the water in them
  • Natural Gas Tanks and the gas in them
  • Pumps and/or Tanks used in conjunction with solar energy
  • Furnaces
  • Hot Water Heaters
  • Clothes Washers and Dryers
  • Food Freezers and the Food in them
  • Air Conditioners
  • Heat Pumps
  • Electrical Junction and Circuit Breaker Boxes
  • Clean-up
  • Elevators, Dumbwaiters, and Equipment, except for such equipment located below the base flood level, if such equipment was installed on or after October 1, 1987

Elements Covered in Basements Only:

Unpainted drywalls and sheetrock walls, including fiberglass insulation, and ceilings (replace, and in substitution for finished walls)

Elements Not Covered in Basements and Elevated Building Enclosures*:

  • Contents
  • Improvements such as Finished Walls, Floors, and Ceilings
  • Building Equipment and Fixtures Not Specifically Covered

*NOTE: In the case of elevated buildings, coverage limitation applies only to post-firm elevated buildings in Special Hazard Areas designated as Zones A1-30 (AE), AH, and V1-30 (VE).


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