Residential Condominium Building Association National Flood Insurance Program Flood Policies do not cover most personal property items below the first elevated floor.  Most post FIRM residential condominium buildings along the New Jersey shore have an elevated first floor.  In many instances the space below the first floor where the garage, breezeway, utility and storage areas are located is enclosed, and has been improved.  In some cases these improvements even include showers and toilets which traditionally may have been in secondary structures in older beach community developments.  Most of these improvements are not covered.  If someone promised you insurance coverage for improvements and personal property stored in these areas you may have a claim against them.