- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
Flood Insurance Experts
Posted on 5/31/16 at 3:19 pm
Posted on 5/31/16 at 3:19 pm
I purchased a raised camp/house and assumed the current flood policy. The insurance company is using the slab underneath as the lowest level for flood insurance purposes. There is an enclosure and a toilet underneath, and there are no flood vents. Do I need to install the appropriate number of flood vents and remove the bathroom in order for FEMA to recognize the raised floor as the base flood elevation?
3
Posted on 5/31/16 at 4:05 pm to tigerrocket
The vents are a must. Shouldn't matter what's in the enclosure as long as the property is properly vented.
Posted on 5/31/16 at 4:12 pm to Shadowlink
Just make sure the square inches of venting is greater than the square feet of the enclosure.
Posted on 6/1/16 at 9:34 am to tigerrocket
Get rid of the toilet and you can skip the vents altogether. Probably a lot cheaper than adding enough vents to comply.
You need the vents because you have a finished bottom floor with the presence of the toilet.
With unfinished space, the bottom of the lowest horizontal structural member becomes the bottom of your house for rating purposes.
Get a new insurance agent because they don't know this answer and call a surveyor who will confirm the flood rating rules.
You need the vents because you have a finished bottom floor with the presence of the toilet.
With unfinished space, the bottom of the lowest horizontal structural member becomes the bottom of your house for rating purposes.
Get a new insurance agent because they don't know this answer and call a surveyor who will confirm the flood rating rules.
This post was edited on 6/1/16 at 9:36 am
Posted on 6/2/16 at 11:25 am to GoIrish02
The underneath does have an elevator enclosure, a storage area, and toilet enclosure. All of these enclosures are unfinished, meaning stud walls. Suppose I remove the toilet, install the vents in all of the enclosures, would I still be screwed because of the elevator?
Posted on 6/2/16 at 12:39 pm to tigerrocket
The big issue is pressure on the structure. If the elevator is a basket/winch type, then knock out the walls. If it is a full blown elevator, you are out of luck. If you need the enclosures, remove them from the structure and add them outside the structure (bathroon, storage). Then don't add them to your policy.
Page 1 of 1
Popular
Back to top
Follow TigerDroppings for LSU Football News