I have handled flood claims for years and have handled coastal flood (elevated buildings) in the past.  However it has been at least 5 years.

I currently have a number of claims on elevated buildings.  The Dwelling SFIP policy clearly tell us that coverage is afforded for things such as A/C's, Freezer, Electrical, Water Heater.  We also know it pays to replace drywall nailed unfinished.

However NO WHERE in the dwelling policy are coverages discussed for the walls of that drywall goes onto.  I have multiple structures where these walls need replacment.  Is there any coverage for the framing of these walls, doors, etc?

Also in one structure they have storm doors on the lowest level.  Covered?  Finally two structures have enclosed entries.  You go in the front door to an entry area and then up the stairs.  Is this entry framing covered?

So with no definition of these items being covered are they excluded becasue the policy does not state they are covered in an elevated building?  Oh these are post firm by the way.  I have two pre-firm and i know they are covered.

Thanks for the feedback

Justin