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FEMA also works closely with each community 's officials before and during the study to describe the technical procedures and to obtain community input before publication of the Flood Insurance Study ( FIS ) and Flood Insurance Rate Map ( FIRM ) . Most contents and finishing materials located in a basement or in enclosures below the lowest elevated floor of an elevated Post-FIRM building are not covered . Israeli diplomats hope that " such contacts also help strengthen the moderates on the Palestinian side - those who recognize that dialogue and acceptance must always be preferred to hatred , terror and extremism " . Modified Coverage Form ( HO-8 ) is designed to provide package coverage to the owner-occupants of homes that do not meet all the requirements applicable to other homeowners forms . This type of coverage generally assumes that the medical provider ( usually a doctor or hospital ) will be paid a fee for each service rendered to the patient - - you or a family member covered under your policy .