What is the lowest horizontal member of a Building #1a or #1b?
I have an insurance company insisting that Lowest Hor. Member is required for this. When I look at the FEMA lowest floor guide, it does not show an item C (lowest sup. member) for a type 1 house.
http://www.fema.gov/pdf/nfip/manual200605/07lfg.pdf
I found this on page 40 of FEMA's insurance company's guide, for non-elevated homes in Zone V ... it tells the insurance agent how to handle this situation.
In V zones, the lowest floor for rating should reflect the bottom of the slab. If the surveyor used item C3. a or d (attached garage/top of slab) in lieu of C3.c of the Elevation Certificate, and the top of the bottom floor is at or above the lowest adjacent grade (C3.f), deduct (for 1-4 family residences) 12 inches from the elevation figure found in item C3. a or d, whichever is lower. For buildings other than 1-4 family, deduct 18 inches from the elevation figure found in item C3. a or d, whichever is lower.
Of course, they are telling the client that I made a mistake by putting N/A there ...