Which costs are generally counted towards determining substantial damage during home repairs?

Determining substantial damage in the context of home repairs under the NFIP (National Flood Insurance Program) focuses on costs that are related to the structural integrity of the building. Replacement of structural components is a critical factor as it directly affects the safety and functionality of the property. When assessing substantial damage, costs incurred for repairing or replacing foundational elements, roofs, walls, or other key structural features are included in the evaluation for determining whether the cumulative damage meets the threshold defined by federal and local regulations.

Options such as landscaping expenses, cosmetic upgrades, and furniture purchases do not typically pertain to the structural elements of a building and are therefore excluded from considerations of substantial damage. Landscaping, while it can improve property aesthetics, is generally regarded as an external enhancement rather than a necessary repair for structural safety. Cosmetic upgrades, such as painting or interior design changes, improve appearance without addressing any underlying structural issues. Similarly, furniture purchases are personal property and do not contribute to the assessment of a home’s structural condition or damage. Thus, only the replacement of structural components qualifies for inclusion in substantial damage calculations.