Section II. Definitions - Basement
A basement is defined by the SFIP as any area of the building, including any sunken room or sunken portion of a room, having its floor below ground level (subgrade) on all sides.
Diagram of house with space below ground labeled Basement and shaded rectangle indicating ground level and below, overlapping basement and extending to the right of the house.
A pencil writing across paper.

Adjuster Tip: It is important to know if the risk has a basement; all basements have restricted coverage.