Your home site may be zoned inappropriately for residential development. In some cases the owner may be denied a building permit for property purchased for development. Development regulations prevent unwise use of flood prone lands. In other cases, development orders require that lowest floor elevation be above base flood levels . In either case, the owner faces significant unexpected costs .
Regulations prohibit substantial improvements, additions or reconstruction to flood prone homes.
Make an itemized list of personal property. Include in your list all home furnishings, clothing, and valuables. Take photographs or video of your home, inside and out. The list and the photographs will help the insurance adjuster settle your claim . Uninsured losses may be tax deductible if they can be documented.