My understanding is that flood insurance doesn't cover basements. Probably depends on the level of insurance you pay for. I know this is the case for raised homes over garages, anyway. You can chose to pay for insurance on just the upstairs contents, or the contents on the lower level as well. I suspect the structure is covered either way.It's a moot point. They were out of the flood plain and did not have insurance.IP,going by what she's been told, never having obtained flood insurance personally, though not for lack of trying
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