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

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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 71 - 80 of 89
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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 General Condition of Flood Decision Upheld

The policyholder appeals the denial for no general condition of flood. (Eligibility)
Eligibility
drying mitigation
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    No General Condition of Flood Decision Upheld

The policyholder appeals the denial for no general condition of flood. (Eligibility)
Eligibility
Download Memo
    No General Condition of Flood Earth Movement Decision Upheld

The policyholder appeals the decision of no general condition of flood and earth movement. (Eligibility. Coverage.)
CoverageEligibility
earth movement
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    No General Condition of Flood Mold, Moisture, and Mildew Upheld

The policyholder appeals the denial for no general condition of flood. (Eligibility)
Eligibility
house with water
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    No General Condition of Flood Upheld

The policyholder appeals the denial due to no general condition of flood. (Eligibility)
Eligibility
Download Memo
    No General Condition of Flood, Earth Movement, and No Direct Physical Loss Upheld

The policyholder appeals the denial due to no general condition of flood and earth movement. (Eligibility. Coverage.)
CoverageEligibility
Earth Movement
Download Memo
    Other Insurance Multiple Perils Decision Upheld

The policyholder appeals the denial for failure to prove their loss. (Coverage)
Coverage
Download Memo
    Other RCBAP Decision Upheld

The policyholder appeals the denial of building items under their unit owner policy. (Eligibility)
Eligibility
Download Memo
    Overhead and Profit Decision Overturned

The policyholder appeals the denial for additional supervision and other economic losses. (Scope. Price.)
PriceScope
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    Policy Renewal Decision Overturned

The policyholder appeals the denial for non-renewal of policy. (Eligibility)
Eligibility
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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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