For a National Flood Insurance Program dwelling form, when does coverage apply if a structure is under construction without walls or a roof?

Coverage under the National Flood Insurance Program (NFIP) for a structure under construction, specifically when it lacks walls or a roof, typically applies for a limited period if work is halted. This means that if construction begins but then stops, the policy provides coverage for up to 90 days. This provision is designed to offer a degree of protection for property owners who may experience flooding during the construction phase, mitigating the financial risk associated with unfinished structures.

If work is ongoing, coverage may not be applicable in the same way as it would be for a completed building. This approach helps ensure that builders and homeowners have some protection during periods when a structure may be particularly vulnerable to flooding, without providing indefinite coverage for incomplete works, which would pose a greater risk to the insurer.

Other options are not consistent with NFIP guidelines, as there is a specific provision for 90 days in cases where construction is halted, distinct from suggesting coverage applies only after the structure's completion or is entirely absent under any circumstance. Thus, the option indicating a 90-day coverage period in the event of halted work accurately reflects the provisions set forth by the NFIP.