Question on this. If those additions and extensions are able to be insured separately, doesn't that make it sound like they are in fact considered separate detached structures? Otherwise, they would be insured together.
We are using this exemption for the first time, and I am also a little nervous. In our case, the house is just outside the flood zone, and the large detached garage is in a flood zone. The two properties are connected by a fence. We would be able to use the detached structure exemption on the garage wouldn't we?