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         U.S. Department of Homeland Security - Federal Emergency Management Agency - National Flood Insurance Program

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              Why Buy Flood Insurance
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This is a collection of FEMA decisions in response to NFIP policyholders who have appealed their flood insurer's denial. These documents are provided to claim professionals, as well as current and future policyholders for use to better understand flood policy coverage, claim requirements, and why claims get denied or overturned.

Flood Claim Decision Memos

Please use the features below to search the collection. You may sort by appeal issue, which is based on a common subject ‘tagwords’, decision type, or based on type decision rule, which are categorized on the hierarchy of insurance policy rules on (1) eligibility, (2) coverage, (3) scope of damage, and (4) price or scope to repair. FEMA will periodically add new decisions to its collection over time.
Displaying 51 - 60 of 89
        Search
Appeal Issue		Direct Physical Loss                                Ceramic TileStuccoCondo Loss AssessmentsDebondingFlood Borne DebrisFoundation WallsGranite CountertopsHVACMold, Moisture, or MildewSheathingStructural DryingStructural DamagesProof of lossPrior Flood DamagesLoss SettlementLaw or Ordinance                                AsbestosGeneral Condition of Flood                                CanvasLate ReportingMold, Moisture, or MildewStucco WallContinuous Lake FloodingBasementDrying MitigationDetached GarageEconomic Loss - Overhead & ProfitElevated Post-FIRM Building Coverage Limitations                                PFEEarth MovementFlood in ProgressICC BenefitsInsuring AgreementOther InsurancePolicy RenewalDecision Type		Concur

                    Upheld

                    OverturnDecision Rule		Coverage

                    Eligibility

                    Price

                    Scope
    
      No Direct Physical Loss Garage Door Decision Upheld

The policyholder appeals the denial for no direct physical loss. (Coverage)
Coverage
garage door
Download Memo
    No Direct Physical Loss HVAC Decision Upheld

The policyholder appeals the denial for no direct physical loss to the interior HVAC system. (Coverage)
Coverage
flood loss
Download Memo
    No Direct Physical Loss HVAC Decision Upheld

The policyholder appeals the denial for no direct physical loss to the interior HVAC system. (Coverage)
Coverage
Download Memo
    No Direct Physical Loss HVAC Decision Upheld

The policyholder appeals the denial for no direct physical loss to the interior HVAC system. (Coverage)
Coverage
flood loss
Download Memo
    No Direct Physical Loss Insuring Agreement Decision Upheld

The policyholder appeals the denial for property not covered and no direct physical loss (Eligibility, coverage)
CoverageEligibility
insuring agreement
Download Memo
    No Direct Physical Loss Late Reporting Prove Loss Decision Upheld

The policyholder appeals the denial for no direct physical loss and late reporting. (Coverage)
Coverage
flood loss
Download Memo
    No Direct Physical Loss Mold Mildew Moisture Decision Upheld

The policyholder appeals the denial for no direct physical loss to the floors. (Coverage)
Coverage
flood loss
Download Memo
    No Direct Physical Loss Mold Mildew or Moisture Decision Upheld

The policyholder appeals the denial for no direct physical loss of hardwood floors. (Coverage)
Coverage
flood loss
Download Memo
    No Direct Physical Loss Mold Moisture Mildew Decision Upheld

The policyholder appeals the denial for building property due to no direct physical loss by of from flood. (Coverage)
Coverage
drying mitigation
Download Memo
    No Direct Physical Loss Overturn Sheathing

The policyholder appeals the denial for no direct physical loss to their sheathing and vinyl siding. (Coverage)
Coverage
physical loss
Download Memo
  
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            Last »Related Resources
Appealing Your Flood Insurance Claim (fema.gov)
NFIP Claims Manual, October 2021 (fema.gov)
Flood Smart Glossary
Flood Smart | How to Appeal a Flood Insurance Claim Payment

Understanding Coverage Decisions (New)





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