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#2154166 - 11/18/17 02:18 AM Transition home maximum flood coverage
Bec Offline
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Bec
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The Great White North
Would a structure that is being used as a halfway house or transition home for homeless folks be considered a residential dwelling for the purpose of determining the maximum coverage. Or would that be a non-residential structure?
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Flood Compliance
#2154174 - 11/18/17 10:51 PM Re: Transition home maximum flood coverage Bec
David Dickinson Offline
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Central City, NE
Sounds like a residential structure to me. However, without knowing all of the details, this is really a question for the insurance agent - how will the agent classify it?
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#2154177 - 11/19/17 01:29 AM Re: Transition home maximum flood coverage Bec
Bec Offline
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Bec
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The Great White North
It does say non-residential on the insurance. Would we be able to dispute that with the insurance agent if we believe that it is a residential structure?
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#2154271 - 11/20/17 06:26 PM Re: Transition home maximum flood coverage Bec
David Dickinson Offline
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David Dickinson
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Central City, NE
You should, if you believe is is incorrect. I would ask the agent why they classified it as non-residential. Maybe that's right. Maybe not.
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#2154279 - 11/20/17 06:38 PM Re: Transition home maximum flood coverage Bec
Dan Persfull Offline
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Bloomington, IN
It's also possible these structures may be classified as other residential. I would be more inclined to attach that classification depending on the building's make-up. You'll have to make the determination based on the information you have.

Other Residential Building. A residential building that is designed for use as a residential space for 5 or more families or a mixed-use building in which the total floor area devoted to non-residential uses is less than 25% of the total floor area within the building.
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#2154313 - 11/20/17 08:55 PM Re: Transition home maximum flood coverage Bec
Bec Offline
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Bec
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The Great White North
If it is other residential then the $500,000 max would be in play, correct?
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#2154330 - 11/20/17 09:58 PM Re: Transition home maximum flood coverage Bec
David Dickinson Offline
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David Dickinson
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Central City, NE
Correct.
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#2154370 - 11/21/17 03:47 PM Re: Transition home maximum flood coverage Bec
Bec Offline
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Bec
Joined: Jul 2010
Posts: 1,114
The Great White North
Thank you!
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