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We will be performing server maintenance beginning Thursday, March 22nd, 2018 at 8:00 AM EST. Service is expected to be restored by 9:00 AM EST. However, this could run over. During this time Independent Study exams will not be available. Please contact us if you experience any issues outside of this maintenance window.

Notice: Independent Study Exams now require a FEMA Student Identification (SID) Number. If you do not yet have a SID, register for one today: Please do not contact the Independent Study program office as they are unable to provide assistance with these requests.

If you have an inquiry regarding the FEMA Independent Study Program, NIMS or other Emergency Management Institute (EMI) related requests such as: requests for certificates, transcripts, online test scores/results, please contact the FEMA Independent Study program office at 301-447-1200 or email for further assistance. Please do not contact the FEMA SID Help Desk as they are unable to provide assistance with these requests.

IS-1109.A: Understanding Basement Coverage

Adjuster Authorization Note: In 2016, FEMA issued WYO Bulletin w-16005, which introduced EMI Independent Study Program courses for claims adjusters. The option to take the Independent Study Program courses to satisfy part of the requirements for obtaining NFIP authorization was offered temporarily due to the reduced number of NFIP Claims Presentations in 2016. In 2017, however, FEMA significantly increased the number of Claims Presentations. Therefore, flood adjusters must attend one of the onsite presentations in order to receive their authorization for 2018. It is important to note that the EMI online courses CANNOT be used to accomplish the adjuster authorization requirements for 2018 or for maintaining the Flood Control Number (FCN).

PLEASE NOTE: These courses are NOT approved for continuing education (CE) credit by any State Department of Insurance.

Upon successfully passing the exam, you will receive a Certificate of Achievement noting CE earned through the International Association for Continuing Education & Training (IACET). Each hour of instruction completed earns 0.1 CE Unit through IACET (.1 CE Unit = one CE). If you are taking a FEMA EMI Independent Study course in order to earn CE, be sure to confirm in advance that your professional board or other preferred entity will accept IACET CE. You can also check IACET's website for a list of entities that accept IACET CE at FEMA accepts IACETs.

Course Date


Course Overview

Understanding Basement Coverage reviews key characteristics of basement buildings and discusses covered and non-covered building and personal property items located in basement buildings. The final section concludes with Special Adjustment Issues.

Course Objectives:

At the end of this course, you will be able to:

  • Identify characteristics of a basement
  • Distinguish between covered and non-covered building and personal property items in basements
  • Identify special adjusting issues related to a basement claim
  • Explain coverage limitations associated with basements and document accordingly

Primary Audience

Flood Claims Adjusters employed by a claims adjusting company, insurance companies that write NFIP flood insurance (WYO), or contracted to work through other adjusting companies, salvors, engineers, architects, building code officials, floodplain managers, local officials and the general public


Recommended Prerequisites

IS-1104, IS-1107, IS-1112



Course Length:

1 hour
Take This Course
Take Final Exam
  • Test questions are scrambled to protect test integrity
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