Does Flood Insurance Cover Screened-In Porches?
A couple of weeks ago, I was speaking in Breezy Point, New York at a flood insurance seminar and was approached by a couple who asked me if their porch should have been covered by their flood insurance. For anyone who has never been to Breezy Point, it is very common for residents to use a plexiglass material to enclose their porches. Glass and other materials are not used to avoid increasing the square footage of their home and thus increasing their cooperative fees.
The short answer to the couple’s question was yes. According to the National Flood Insurance Program adjuster’s manual, screened-in porches are covered under the Dwelling Form (unless it is a Post-FIRM structure and it is located below the first elevated floor).
About the Author: Christopher W. Gerold is an attorney in Wolff & Samson’s Disaster Recovery Claims Group. Chris represents homeowners and businesses with their Sandy related insurance claims with a special focus on flood insurance. For more information on flood insurance and ways Wolff & Samson can help you with your flood insurance claim, please contact Chris at (973) 530-2061.