What constitutes a second story? Gregory Corliss asked 5 days ago
What constitutes a second story?

I have a one-story ranch house. In 1977 the previous owners enclosed and finished a covered exterior patio space and made it part of the home. There is a less than 3-inch step up from the enclosed area to the main floor of the house. My homeowners insurance said this constitutes a second floor or two-story house–can this be correct?