U.S. flagAn official website of the United States government
        Here's how you know
            Navegar a la página de inicio en españolDot gov**Official websites use .gov**
          
          A
          **.gov**
          website belongs to an official government organization in the United
          States.
    Https**Secure .gov websites use HTTPS**
          
          A
          **lock**
          (
          A locked padlock
          ) or
          **https://**
          means you’ve safely connected to the .gov website. Share sensitive
          information only on official, secure websites.Menu
         U.S. Department of Homeland Security - Federal Emergency Management Agency - National Flood Insurance Program

    close

        
                        Skip links
								Sign Up for Updates
											Find a Provider
											Resource Library
											FloodSmart for AgentsMain Global Search, Enter Search Term(s):

          
                        Skip nav links

      Buying a Policy
          
                                	
			      Buying a Policy
        
    
              Why Buy Flood Insurance
              Am I Required to Have Flood Insurance?
              What’s Covered
              Types of Flood Insurance
              How to Buy Flood Insurance
              Find an Insurance Provider
              Renewing a Policy
          
                                	
			      Renewing a Policy
        
    
              Why Should I Renew My Policy?
              How to Renew Your Policy
              Flood Risks and Costs
          
                                	
			      Flood Risks and Costs
        
    
              Cost of Flooding
              What Impacts My Premium and Policy Costs?
              Flood Insurance Mitigation Discount Tool
              Climate Change and Risk
              Policy Terms
              How Can I Pay Less?
              Before and After a Flood
          
                                	
			      Before and After a Flood
        
    
              Steps to Prepare for Flooding
              How Do I Start My Flood Claim?
              Document Damage and Start Clean Up
              Disaster Response
              Appeal Your Flood Claim
              Understanding Coverage Decisions
              Reducing Future Flood Damage
              Flood Zones and Maps
          
                                	
			      Flood Zones and Maps
        
    
              Historical Claims Map
              All About Flood Maps
              Flood Map Updates
              Elevation Certificates Steps to Prepare for Flooding
          How Do I Start My Flood Claim?
          Document Damage and Start Clean Up
          Disaster Response
          Appeal Your Flood Claim
          Understanding Coverage Decisions
          Reducing Future Flood DamageOptions if your flood claim has been denied
  After a flood, the National Flood Insurance Program (NFIP) is here for you – from starting a claim to making sure that we reach the correct claims resolution.
              Icon indicating more information
      

							**What if I’ve discovered additional flood damage after filing my claim?** Contact your agent or adjuster to update your claim.
              Flood claim appeal and guidance

We want to ensure that you and your family are on the road to recovery. If you are unsatisfied with the amount of your claim or receive a denial letter for some or all of your claim, you have options:
              Work with your insurance company to find a resolution.
      **If part or all of your claim has been denied, talk to your adjuster or insurer to request additional payment.**

Your adjuster and insurer can help clarify how the flood insurance policy applies to your claim and take immediate action if they missed a key fact, overlooked a document, or made a mistake.

				 
  File an appeal with FEMA.
      You may **file a flood insurance appeal directly to the Federal Emergency Management Agency (FEMA),** the federal agency that oversees the National Flood Insurance Program (NFIP).

On appeal, FEMA will work with you and your insurer to gather the claim facts, review the policy, and provide an appeal decision.

**There is no fee to file an appeal,** and you do not need a third party to represent you. **You must file your appeal within 60 days** of the date of the insurer’s denial letter.

				 
  Seek an appraisal.
      If you and your insurer agree that a loss occurred but disagree about the price of the loss, seeking an appraisal could resolve the claim.

You can seek appraisal for disputes over the amount of loss to flood-damaged property. However, if you complete an appraisal you cannot also file an appeal.

				 
  File a lawsuit.
      If you are not able to resolve your dispute using the options above, **you may file suit with your insurer within one year of the denial** of your claim.

You may file suit after filing an appeal with FEMA. However, filing an appeal does not extend the one-year period of time to file suit.

Additionally, once you file suit, you also **forfeit your option to appeal** directly with FEMA.
              Ready to take the next step?

More detailed information if you’re ready to take the next step in your claims and appeals process.
              Ready to file an appeal?
      To file an appeal, you must do the following **within 60 calendar days of the date written on the denial letter:**

Explain the issue(s) in writing. To make this easier, and to help you ensure your appeal is eligible, please use the FEMA Form 206-FY-21-115 Claim Appeal. (Please note this is a fillable form and you will need to open it in Adobe Reader).
	Include a copy of the denial letter from your insurer;
	Provide any supporting documentation (e.g., photos of your flood damage, itemized estimates signed by a contractor, properly completed drying logs)**There is no fee to file an appeal,**and you do not need a third party to represent you. If you have a third party represent you, FEMA will not pay for any costs incurred for representation.

Send your appeal request to FEMA, 400 C Street SW, 6th Floor, Washington, D.C. 20472-3010, or FEMA-NFIP-Appeals@fema.dhs.gov.

Please note:

Your appeal is considered "on time" if:
	The envelope you send your appeal in has a post-marked date within 60 days of the date written on your denial letter; or
		The time stamp on the email submission is within 60 days of the date written on your denial letter.
		FEMA uses calendar days, not business days, to calculate this time period. If the 60th day is a Saturday, Sunday, or federal holiday, the time period extends to the next day that is not a Saturday, Sunday, or federal holiday.
	FEMA will receive and begin processing emailed appeals more quickly than those sent via U.S. mail or express carrier. Please note that due to cybersecurity requirements, FEMA cannot access file sharing sites, CDs, DVDs, or any electronic storage devices.
	By law, FEMA cannot discuss your claim with a third-party representative unless you provide certain information in writing.
	If you appeal, you can later choose to file suit against your insurer as long as you are still within the one-year timeframe available to file suit, but you can no longer seek appraisal.

				 
  Ready to authorize someone to represent you?
      If you wish to authorize another party to speak with FEMA about your claim, you will need to do so in writing. **By law, FEMA must obtain this authorization to protect your privacy.**

To authorize another party to represent you, please submit documentation that includes your full name, address, date and place of birth, the name(s) of your representative(s), and your signature.

You must have this document notarized or include the following statement: “I declare under penalty of perjury that the foregoing is true and correct. Executed on <DATE>.<SIGNATURE>.”

				 
  Ready to file a lawsuit?
      Federal law permits you to file suit **within one year** of the date the insurer first denied all or any part of your claim. You must file suit in the **district court where the damage occurred**. (42 U.S.C. § 4072, 44 C.F.R. § 62.22).

When FEMA's NFIP Direct is your insurer, you may file suit against FEMA.
	For all other insurers, FEMA is not a proper party pursuant to 44 C.F.R. § 62.23(g). You must sue the insurer.You may file suit after filing an appeal with FEMA, but **once you file suit the appeal option ends**. Filing an appeal does not extend the period to file suit against your insurer.


**Learn More**
 For more information about flood insurance claims, please reference the Flood Insurance Claims Handbook.


FEMA | National Flood Insurance Program
                        500 C St SW,
            Washington,
            D.C.
            20472 Disaster Assistance:
          (800) 621-FEMA An official website of the Department of Homeland Security
 **Need Help?** About Us Contact Us Glossary Privacy Policy Vulnerability Disclosure Policy
 **Related Links** Footer Accordion Links
  

        


    
    
            Partner Sites
          No Fear Data Act

      
    
      
        Freedom of Information Act

      
    
      
        Office of the Inspector General

      
    
      
        Whitehouse.gov

      
    
      
        DHS.gov

      
    
      
        USA.gov
 FEMA.gov Ready.gov DisasterAssistance.gov Accessibility Plug-Ins
 **Connect with NFIP**