Definition of a Single Building

Another thing to consider is how many insurable divisions you might have in a building. Since the NFIP limits the amount of coverage that can be written for a particular building, understanding the program’s single building definition may provide you the opportunity to write additional coverage limits in some cases.

Here is how a single building is defined. It must be:

  • Separated from other buildings by intervening clear space; or
  • Separated into divisions by solid, vertical, load-bearing walls; each division may be insured as a separate building
  • Solid, vertical, load-bearing walls must divide the building from its lowest level to its highest ceiling
A photo of a raised metal building with the words Cameron Parish Emergency Medical Services District Office on the front of the building. A staircase leads from the ground level up to the front door. Several vehicles are parked underneath the building.
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Tip: If there is access through the division wall by a doorway or other opening, the structure must be insured as one building unless it meets all of the following criteria:
  • It is a separately titled building contiguous to the ground; and
  • It has a separate legal description; and
  • It is regarded as a separate property for other real estate purposes, meaning that it has most of its own utilities and may be deeded, conveyed, and taxed separately.