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. Connect and share knowledge within a single location that is structured and easy to search. Stack Exchange network consists of 183 Q&A communities including Stack Overflow, the largest, most trusted online community for developers to learn, share their knowledge, and build their careers. These examples are programmatically compiled from various online sources to illustrate current usage of the word ‚cover.‘ Any opinions expressed in the examples do not represent those of Merriam-Webster or its editors. Send us feedback about these examples. A .gov website belongs to an official government organization in the United States.

Basement coverage under the Standard Flood Insurance Policy (SFIP) consists of specific building items in a basement and cleanup. Items must be connected to a power source, where appropriate, and/or installed in their functioning location. 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. Review your flood insurance policy for a comprehensive list of covered items and expenses.

Contents Coverage in a Basement (if purchased separately)

When determining coverage, the cause of flooding matters. The NFIP requires that the adjuster provide this information during the claims process. The meanings are very similar, and these three prepositions can be used almost interchangeably, particularly in the context of your „The mountain is covered with/in/by snow“ example. The NFIP defines a basement as any area of a building with a floor that is below ground level on all sides.

Items not specifically listed in your flood insurance policy are not covered. Additionally, SFIPs do not pay for removal of non-covered building or personal property items, even if the removal of these items facilitates cleanup of covered building repairs, such as the removal of carpet installed inside a basement. Refer to your policy for specific https://www.globalcloudteam.com/ language as it pertains to basement exclusions. After a flood event, you may not be sure what is included by flood insurance as it pertains to basements. Basement coverage through FEMA’s National Flood Insurance Program (NFIP) is limited. To learn more about your flood insurance coverage, speak with your insurance agent or visit FloodSmart.gov.

covered

For example, damage caused by a sewer backup is covered if the backup is a direct result of flooding. If the sewer backup is not caused directly by flooding, the damage is not covered. Flood insurance covers losses directly caused by flooding. In simple terms, a flood is an excess of water on land that is normally dry, affecting two or more acres of land or two or more properties. In the event of a flood, your National Flood Insurance Program (NFIP) policy covers direct physical losses to your structure and belongings.