[16 Test Answers] FEMA IS-1109: Understanding Basement Coverage

Here are the final exam answers to FEMA IS-1109.A: Understanding Basement Coverage.

Overview: The FEMA IS-1109.A course was published on 2/21/2018 to distinguish between covered and non-covered buildings and personal property items in basements and explain the coverage limitations associated with it.

After passing the IS-1109.A final exam, you will receive a Certificate of Achievement noting CE earned through the International Association for Continuing Education & Training (IACET).

FEMA IS-1109.A test answers

Each time this test is loaded, you will receive a unique set of questions and answers. The test questions are scrambled to protect the integrity of the exam.

Question 1. Which of the following statements best describes the characteristics of a basement? 
A. A stairway leading to an entry door below ground level and windows at ground level are characteristics of a basement.✅
B. A stairway leading to an entry door at ground level and windows at ground level are characteristics of a basement.
C. A stairway leading to an entry door above ground level and windows at ground level are characteristics of a basement.

Question 2. Basement coverage does not include which of following? 
A. Windows and doors installed on foundation walls of basements
B. Non-flammable insulation✅
C. Drywall for ceilings
D. Carpet over finished flooring

Question 3. A sunken portion of a room may be considered a basement. 

Question 4. Identify the correct statement regarding elevator-related equipment. 
A. Elevator-related equipment is never covered in a basement.
B. Elevator-related equipment is always covered in a basement.
C. Elevator-related equipment is sometimes covered in a basement.✅

Question 5. Elevators and their related equipment are covered in a basement if installed below the Base Flood Elevation… 
A. After September 30, 1987
B. On or before September 30, 1987✅
C. On December 31, 1974
D. Before December 31, 1974

Question 6. If cleanup is only applicable to items covered in a basement, the stud walls in the basement on which unfinished drywall hangs can be considered for cleanup. 

Question 7. If a risk is not below ground level on all sides, but the homeowner calls this area a basement, the adjuster should: 
A. Advise the insured not to call this a basement
B. Apply limitations of a basement✅
C. Treat the area as having no basement limitations

Question 8. Basement coverage limitations are applicable to: 
A. Contents Items
B. Building Items
C. Both Contents and Building Items✅
D. Neither Contents or Building Items

Question 9. Which one of the following is not covered in a basement? 
A. Heat pumps
B. Drywall (hung, taped, and floated)
C. Cisterns and the water in them
D. Sump pumps✅

Question 10. The SFIP defines a basement as any area of a building, including any sunken room or sunken portion of a room, having its floor: 
A. At ground level on all sides
B. Above ground level on one side
C. Below ground level on all sides✅

Question 11. Which of the following contents items is not covered in a basement if installed in its functioning location? 
A. Food freezer
B. Dryer
C. Washer
D. Portable microwave✅

Question 12. Which of the following are excluded from coverage in a basement? (Select one.) 
A. Baseboard heaters
B. Water heaters
C. Furnaces
D. Stairs
E. None of the above✅

Question 13. Basement coverage limitations and restrictions apply only to properties located in an SFHA. 

Question 14. Adjusters should be able to explain to policyholders that while finishes in a basement are not covered, very important building items are. Which of the following items is not covered? 
A. Structural items (such as footings, foundations, and posts)
B. Stairways and staircases attached to the building
C. Central air conditioners
D. Dining room table with four chairs✅

Question 15. In the Standard Flood Insurance Policy floor and wall finishes are: 
A. Covered in a Basement
B. Not covered in a Basement✅
C. Sometimes covered in a Basement
D. Never covered in a Basement

Question 16. Which of the following are not covered in a basement? (Select one.) 
A. Electrical outlets✅
B. Unfinished drywall
C. Fuel tanks
D. Light fixtures