We live on Anna Maria Island in Florida. While we were not devastated as much as most, we do have two feet of flood damage to our home from the surge. We have an elevated home so most of the damage was to contents in the garage, the garage itself, our yard, pool, landscaping and of course, drywall. We do have stairs that go down from our upstairs to our foyer and into our garage. At the bottom of that foyer is a storage closet. Everything in it was destroyed, as well as all the drywall. Today, we had an adjuster come and tell us that we won’t have flood coverage for any contents or wall replacement due to a restricted coverage post firm elevated home. Built after 1984. This is devastating to us. And there’s no way we will be able to pay for this on our own without insurance. Further, he told us because we’ve not opened the walls yet ourselves insurance will deny mold mediation because we let it happen. Can you please provide any guidance to help?
Jaime King asked 4 months ago 
Brian Evans Expert answered 3 months ago Hi Jaime,
In the National Flood Insurance Program (NFIP), post-FIRM building coverage applies to buildings constructed or significantly improved after the community’s Flood Insurance Rate Map (FIRM) was established. These buildings in high-risk flood areas (like flood zones A and V) have specific coverage limitations, particularly for enclosed areas below the lowest elevated floor, such as ground-level garages or storage areas. In these spaces, coverage is limited to essential items like electrical and heating equipment, foundation elements, and structural components needed for access and safety. Non-essential finishes and personal property—such as drywall, flooring, and furniture—are typically excluded. Full NFIP coverage applies to upper floors, covering structural elements and personal contents above the base flood elevation. (FloodSmart)
Regarding mold remediation, most policies exclude coverage for mold damage that could have been prevented by the property owner. Often, policyholders can demonstrate that the damage resulted from the flood rather than neglect if the walls were not opened immediately due to limited access, high moisture levels, or other obstacles. If mold spread due to delays caused by flooding itself, this could potentially still be claimed as flood-related damage.
Given the complexities of NFIP policies and the significant impact on your home, I recommend consulting with a public adjuster or an attorney experienced in flood insurance claims. They can provide personalized guidance and assist in appealing the denial if appropriate. I don’t want to set false expectations however because it does appear that much of the damaged property you cite could be excluded from coverage.
There are several financial resources available for individuals who suffered uninsured losses due to Hurricanes Helene and Milton:
FEMA Individual Assistance: The Federal Emergency Management Agency (FEMA) offers aid to homeowners and renters in designated disaster areas who experienced uninsured damage or losses. Assistance can cover temporary housing, basic home repairs, personal property loss, and other disaster-related needs. To apply, visit DisasterAssistance.gov, use the FEMA App, or call 800-621-3362. (FEMA)
U.S. Small Business Administration (SBA) Disaster Loans: The SBA provides low-interest disaster loans to homeowners, renters, and businesses to repair or replace property damaged by the hurricanes. Even if you don’t own a business, you may qualify for assistance. Apply online at the SBA’s Disaster Loan Assistance portal. (FEMA)
State and Local Assistance Programs: Some states have allocated funds for disaster relief. For example, Georgia’s state government approved $100 million for disaster relief and cleanup efforts following extensive damage caused by Hurricane Helene. Check with your state’s emergency management agency or local government offices for available programs. (AP News)
Nonprofit and Charitable Organizations: Organizations like the American Red Cross, Salvation Army, and local community foundations often provide financial assistance, supplies, and services to disaster victims. Contact these organizations directly or visit their websites to learn about available resources. (Southern Living)
Tax Relief: The IRS may offer tax relief for individuals in federally declared disaster areas, including options to deduct casualty losses on your federal income tax return. There are companies that you can hire to help you document you damaged property and value your damages. You may find some useful resources here on the UP website. You can consult the IRS website or a tax professional for additional guidance.
It’s important to apply for assistance as soon as possible, as some programs have application deadlines. Keep detailed records of all damages, expenses, and communications related to your recovery efforts to support your applications.
Hope this is helpful and good luck.