Flood Insurance and Contents Coverage

Employee at a bank ($246MUSA)
We have an interim construction loan that the real estate is in Zone AE; our Deed of Trust list building materials along with the real estate we are taking a lien on, all of the building items listed are covered under the building insurance with the exception of drapes (yes, the Deed of Trust for some unknown reason lists drapes), drapes would have to be covered under contents coverage.  The building plans and specs does not list drapes (and I highly doubt drapes would be included in the construction)….do we have to have contents coverage since the Deed of Trust list drapes?