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Last Post 10/31/2008 11:18 AM by  roni
Flood On The Coast
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ILBCNU10
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09/27/2008 9:48 PM

    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

     

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    mcmoore
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    09/30/2008 8:19 AM
    Hello Justin,

    Regarding your unfinished drywall question. Unfinished drywall replacement is only covered in a basement. It is not covered in an enclosure beneath the lowest elevated floor of a post-FIRM elevated building. It's a bit confusing the way they lump this together in the policy but the items of property listed as covered under Coverage A - Building Property, Paragraph 8.a. are for basements and elevated building enclosures. The list of covered items is almost indentical in both areas with the exception of the unfinished drywall and insulation in a basement.

    Wall framing beneath the lowest elevated floor of a post-FIRM elevated building located in a SFHA is typically excluded from coverage unless it is a part of the foundation or anchorage systems required to support a building. This exclusion may also apply to the buildings you have with the enclosed entry areas but it may be worth asking for additional interpretation on these areas especially it there is not another door located at the top of the entry area that closes off the main elevated living areas. Check out the NFIP bulliten website at http://bsa.nfipstat.com/wyobull/wyobull.htm for information on the flood response office location in TX or LA where you can get some guidance from an NFIP GA. There is also a recent flood insurance claims guidance memo dated 9/25/08 on this website that contains some discussion regarding post-FIRM elevated buildings.

    Hope this was a help.
    Mark Moore
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    roni
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    10/31/2008 11:18 AM

    Justin,

    Mark is correct in his explanation of covered items in an enclosure of a post-FIRM elevated dwelling. However, even if the enclosed entry has no door located at the top of the entry area, there would still be no coverage for that area's wall framing or any other items not specifically listed. The stairs, if damaged, would be covered but, no finishes on the stairs.  Also look out for the flood zones. There are a couple zones where coverage would not be limited.

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