Elevated Buildings

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Elevated buildings:

There are two types of elevated buildings. Pre Firm and Post Firm. See below for policy language. Restrictions do not apply if you property is in an X or C FIRM zone (Check your policy declaration page).

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Post-FIRM Building Defination:

A building for which was construction or substantial improvement occurred after December 31, 1974, or on or after the effective date of an initial Flood Insurance Rate Map (FIRM), whichever is later. To determine your FIRM (Flood Insurance Rate Map) date click on this link and follow the instructions.
Link: http://bas.nfipstat.com/comm-status/index.htm

Link to easily print out a FIRM map for your location for $2.95
Link: floodsource.com

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BUILDING RESTRICTIONS:

If you do have a Post Firm elevated building there is no coverage for drywall, doors, windows, siding, sheathing or contents below the lowest elevated floor. Most insurance companies only allow for minimal clean up.
Links:
BUILDING ITEMS COVERED PFE A DP
CONTENTS ITEMS COVERED PFE A DP
RESTRICTIONS ELEVATED BUILDING A ACM

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NO RESTRICTIONS:

If you have a Pre Firm elevated building there are no restrictions.

FLOOR INSULATION AND UNDERPINNING MATERIAL UNDER A POST FIRM BUILDING IN A V ZONE:

Is covered, but not the painting of the underpinning material (plywood ect) per attached Link
Link: FLOOR INSULATION UNDER A PFE BLDG ACM

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SLABS:
under a Post Firm elevated building must be connected to piers, pilings or shear walls by rebar, and must be at least 6″ thick.
Links:
SLABS ELEVATED BUILDING A ACM
SLABS ELEVATED BUILDING A WYO-04091

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ELEVATORS IN BASEMENTS AND POST FIRM ELEVATED BLDGS:

If the elevator was installed after Sep 30, 1987 there is only coverage for the “Related Equipment”
Links:
ELEVATOR COVERAGE A ACM
ELEVATOR RELATED EQUPMENT DIAGRAM

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ATTACHED GARAGES:

FULL COVERAGE: There is full coverage for building and contents damage in pre firm buildings.
LIMITED COVERAGE: There is limited coverage for building and contents damage in a post firm elevated buildings in a special flood hazard area.
Link: GARAGE ATTACHED CONTENTS PFE DP ACM

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