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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 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
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