[!lemma=great] [□]
[!lemma=great] [□=□]
[!lemma=great] [□ | □]
Even though a room may have windows and constitute living quarters , it is still considered to be a basement if the floor is below ground level on all sides . A FIRM usually is issued following a flood risk assessment conducted in connection with the conversion to the regular program . For more information about federal flood insurance , contact the National Flood Insurance Program at 1-800-638-6620 . The NFIP 's definition of " basement " includes any part of a building where all sides of the floor are located below ground level . Talk time tariffs for instance have come down by 74 percent over the past two years , and handset prices , which were sold at a premium of as high as 40 percent over international prices even until a year back , are now at par . for more information , ask your insurance agent or insurance company if this peril is covered by your policy . Buildings over water or principally below ground , gas and liquid storage tanks , animals , birds , fish , aircraft , wharves , piers , bulkheads , growing crops , shrubbery , land , livestock , roads , machinery or equipment in the open , and motor vehicles are not insurable . You may want to consult a tax advisor well in advance of retirement for more information about the taxation of retirement income . During the 30-day period following a community 's initial entry into the emergency program or following the community 's conversion to the regular program , the effective date and time of any new or added amount of flood insurance coverage is 12:01 a.m. of the day following the application date and the presentment of payment of premium .