What total amount of damage is covered under Paul's Dwelling Form flood policy if his home and detached garage are both damaged?

In the scenario presented, the total amount of damage covered under Paul's Dwelling Form flood policy is $208,000 because this figure likely represents the combined coverage limits for both the home and detached garage affected by the flood.

Flood policies under the National Flood Insurance Program have specific coverage limits for different types of structures. Typically, a single-family dwelling can be insured up to a certain amount, which may vary but often ranges close to $250,000 for the home itself. Detached structures like garages can have additional coverage, which may also be capped at $100,000.

If we consider that the damage to the home is covered up to $200,000 and the detached garage is valued at around $8,000 based on typical coverage allowances, this would result in a total of $208,000. Understanding how these policies operate and what limits apply to various structures can clarify why the total amount covered reaches this figure.