Do covered porches figure into the square footage of a dwelling for insurance purposes?
37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaI just completed an estimated replacement cost for a home with a covered porch. Yes, it did take the cost of replacing that covered porch into the estimate for rebuilding the home. It isn’t treated as though it were a finished part of the house but merely the cost of replacing the roof over the porch.Answered on November 7, 2014flag this answer
14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482Yes, they do. When calculating the reconstruction amount of a home, the agent must take into consideration all elements of the structure and that does include covered porches, decks, open porches and the like. The point is that in order to properly evaluate what it would cost to replace your home as is with building materials of like kind and quality, accuracy is critical.Answered on November 7, 2014flag this answer
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