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.