Our friends over at Wright Flood recently sent out a communication labeled "Make sure you're aware of the Post-FIRM Elevated Building Coverage Limitations." It provides information on coverages of items in a building enclosure below the lowest elevated floor of an elevated post-FIRM building in select flood zones or in a basement, regardless of zone. They write the following regarding covered items:
"Any of the following items, if installed in their functioning locations and, if necessary for operation, connected to a power source:
• Central air conditioners
• Cisterns and the water in them
• Drywall for walls and ceilings in a basement and the cost of labor to nail it, unfinished and un-floated and not taped, to the framing
• Electrical junction and circuit breaker boxes
• Electrical outlets and switches
• Elevators, dumbwaiters and related equipment, except for related equipment installed below the base flood elevation after September 30, 1987
• Fuel tanks and the fuel in them
• Furnaces and hot water heaters
• Heat pumps
• Nonflammable insulation in a basement
• Pumps and tanks used in solar energy systems
• Stairways and staircases attached to the building, not separated from it by elevated walkways
• Sump pumps
• Water softeners and the chemicals in them, water filters, and faucets installed as an integral part of the plumbing system
• Well water tanks and pumps
• Required utility connections for any item in this list
• Footings, foundations, posts, pilings, piers, or other foundation walls and anchorage systems required to support a building
• Clean-up
If you purchased personal property coverage the following additional items are covered
• Air conditioning units, portable or window type
• Clothes washers and dryers
• Food freezers, other than walk-in, and food in any freezer"
Interested in learning more about flood insurance? Give us a call at 516-922-6500 or send us an email at info@brcinsurance.com and we'd be happy to discuss with you!
About Brooks Robb & Callahan
Brooks Robb & Callahan is a family owned and operated independent insurance agency protecting personal and commercial clients from property and casualty risks since 1871. Sisters Kristen Ducharme and Lindsey Stortz acquired the business from their long time family friends in July 2013. Their brother, Scott Brekne, joined the business in 2021. Together they continue to run the business the way it always has been – by family with honesty and integrity. They feel incredibly blessed to have the opportunity to work together every day.
The information provided in this blog is for educational purposes only and is not a substitute for professional advice. Insurance coverages and policies can vary significantly based on individual circumstances and the terms of the policy. Brooks Robb & Callahan recommends consulting a licensed insurance professional or your insurance carrier to determine the appropriate coverage for your specific personal needs.
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