Flood insurance covers your home's foundation elements and equipment that's necessary to support the structure (for example a furnace, water heaters, circuit breakers). It's important to note that some items in your basement are covered under building coverage (like a furnace, hot water heater and circuit breaker), and others are covered under contents coverage (for example, your washer and dryer, or your freezer and the food in it).

Strict exclusions of coverage apply in any basement. A basement is defined as any area that is below grade on all four sides. In some cases, sunken living rooms can be defined as a basement. Building coverage in basements is limited to systems that service the building, such as electrical boxes, heat pumps and air conditioners. Contents in basements are not covered with a few exceptions such as a washer, dryer, freezer and the food in it.

No. Your property and the structure (the basement) are covered by your policy as is your personal liability. However, the tenants' possessions and liability are not covered by your policy. Therefore, they may wish to purchase their own renters insurance. Whether you are a lessor or a renter, you should check with your agent to make sure you have the right coverage.

If the water is coming from seepage through the basement walls this is commonly excluded. Homeowner's insurance has very limited water damage coverage. Water damage caused by flood or water which, backs up through sewers or drains or overflow from a sump are excluded. However, for an additional premium you may purchase a limited amount of coverage for sewer backup or overflow of a sump. You may want to contact your agent or insurance company to see if your policy has these coverages.

Yes. The majority of our homes are built over full basements. Depending on the topography of the land, either a full basement or a crawl space can be used since our pre-cut log homes are constructed upon "conventional" sub floors with ease.

If the water is coming from seepage through the basement walls this is commonly excluded. However, there may be coverage available if the water resulted from back up of the sewage system or from flooding ground water. You may want to find out from your agent or company if your policy has these coverage’s. Possibly, in the event of injury to someone on the property, you could be liable for damages. As such, you may want to consider premises liability coverage.

After a SANI-TRED installation, you may finish your basement by installing wall studs approximately 3/4" from the exterior walls, in the normal manner, or you may paint with any interior paint directly over the SAN-TRED installation.

It is most often seen on sloping lots that allow a portion of the basement to have larger windows. Depending upon the amount of slope, you can often times have a door that walks directly out. There are also home plans listed with daylight basements that are simply built farther out of the ground thereby exposing part of the basement wall. These go under the names of "split-entry", "raised ranch", "bi-level" and "multi-level" home plans.

If you can lift or remove the floor covering, chances are good that you will reduce radon significantly. Many homeowners do that. Most radon gets in through the floor, because it is trapped underneath the slab between footings. quot;Should I caulk around the bottom of the existing paneled walls?" It would be useless, because radon easily passes through drywall and paneling. Just like paints, tile adhesives are attacked by alkalis from the concrete. Lift and discard the tiles.

Solid 3/4" Hardwood flooring cannot be installed below grade (below the soil line) or over concrete. When a solid product encounters moisture it reacts very negatively. Therefore, a laminate or engineered flooring must be used. Laminate flooring is constructed by fusing 4-plys of material together to form a product with unprecedented strength and durability. An engineered product is very similar with the exception that they usually have a real wood layer on top of the constructed core.

Each unit includes a full basement at no extra cost. Finishing options are available by designated contractor.

The National Flood Insurance Program's definition of "basement" includes any part of a building where all sides of the floor are located below ground level. Even though a room may have windows and constitute living quarters, it is still considered to be a basement if the floor is below ground level on all sides.

Set your Display Settings to 800x600 pixels and High Color (16 Bit). Go to your “Start” menu, select Settings>Control Panels> Display>Settings. If you notice that the 3D display is not clear, set back the Graphics Acceleration. Go to your “Start” menu, select Settings>Control Panels> System>Performance>Graphics, then set the acceleration back one notch. A common cause of this error message is a fragmented hard drive.

One of the best features of the Basement De-Watering System? is its flexibility. The Basement De-Watering System? can be installed only at the affected area, saving you money and trouble. Top

This is where normally the property on the back of the house allows a drop in the foundation (Shown in the wall section above) to have larger windows downstairs. This can also be done on a fairly flat lot by raising the foundation and adding steps from the garage to the house.