Q: With regard to the detached structure exemption, what is meant by “detached?”
A: “Detached” means that the structure is not joined by any structural connection to the primary residential structure.
The preamble to the final rule included this discussion: “The Agencies agree that a clear definition of “detached” would ensure consistent application by lenders in determining which structures qualify for the exemption. Therefore, for purposes of the detached structure exemption, the Agencies have drafted the final rule to clarify that a structure is “detached” from the primary residential structure if it is not joined by any structural connection to the residential structure. That is, a structure is “detached” if it stands alone. This clarification is consistent with the coverage provision of the NFIP’s Standard Flood Insurance Policy (SFIP) for additions and extensions to a dwelling unit.”