Air conditioning units, portable or window type.If covered items are stored in a basement, meaning they are not connected to a power source, they are not covered.Ĭovered items, provided they are connected to a power source, include: Flood insurance policies cover direct physical loss by or from flood to personal property inside a building at the described location, if: the property is owned by you or your household family members and, at your option, the property is owned by guests or servants. Contents Coverage in a Basement (if purchased separately)Ĭontents coverage is optional coverage for the property that must be purchased separately. The NFIP requires that the adjuster provide this information during the claims process. Foundation elements and anchorage systems required to support a buildingīefore a flood event, be sure to document the manufacturer, model, and serial number as well as capacity on building equipment such as furnaces, central air conditioning units, and appliances such as freezers, washers, and dryers in a basement.Stairways and staircases attached to the building.Electrical junction and circuit breaker boxes.Drywall that is unfinished and un-taped for walls and ceilings.Elevators, dumbwaiters, and related equipment.Sump pumps, heat pumps, and well water tanks and pumps.Review your flood insurance policy for a comprehensive list of covered items and expenses. 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 must be connected to a power source, where appropriate, and/or installed in their functioning location. Building Coverage in a Basementīasement coverage under the Standard Flood Insurance Policy (SFIP) consists of specific building items in a basement and cleanup. Rooms that are not fully below ground level (such as sunken living rooms, crawlspaces, and the lower-levels of split-level buildings) may still be considered basements because the lowest floor is below ground on all sides. The NFIP defines a basement as any area of a building with a floor that is below ground level on all sides. Basement coverage through FEMA’s National Flood Insurance Program (NFIP) is limited. After a flood event, you may not be sure what is included by flood insurance as it pertains to basements.
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