> I did an elevation certificate on a house, diagram 5, that had a carport. Behind the carport was a workshop that is diagram 1B and is not attached to the main house by any common walls. It is however attached by a roofline. Insurance company is telling me that the workshop is part of the house and needs to be the lowest floor as it shares a common roofline, according to FEMA guidelines. I was thinking of just doing a separate elevation certificate for the workshop as I do not think that the workshop should be considered part of the main house. If the workshop had to flood it would not impact the main house.
>
> Any thoughts as what would be the correct solution?
Tell the insurance company you feel it is a detached building, and not part of the house which is why you said the building is a type 5. We run into this a lot the insurance company always wants to change the building type so they can charge more, then when the client files a claim they will say that isn’t part of the house, you better get hold of the surveyor and ask him why he called it a building 1B.
If they tear down the breeze way then is it a stand alone shed.
Anytime we get a called do an elevation certificate and the garage is detached we tell the client it will take a separate elevation certificate which we be an addition fee, if they want to insurance the garage they get it, if they don’t insurance the garage they can save their money.