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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 41 - 50 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 Decision Upheld Ceramic Tiles

The policyholder appeals the denial for no direct physical loss for ceramic floor tiles. (Coverage)
Coverage
ceramic tiles
Download Memo
    No Direct Physical Loss Decision Upheld Foundation Walls

The policyholder appeals the denial of no direct physical loss to the foundation, basement walls, window, and interior finishes. (Coverage)
Coverage
flood loss
Download Memo
    No Direct Physical Loss Decision Upheld Garage Doors

The policyholder appeals the denial for no direct physical loss to their garage doors. (Coverage, Scope)
CoverageScope
garage
Download Memo
    No Direct Physical Loss Decision Upheld Garage, Flooring, Powerwalls

The policyholders appeal the denial for no direct physical loss of tile flooring, structural damages to the detached garage, and the Tesla Powerwalls. (Coverage, scope, price)
CoveragePriceScope
garage
Download Memo
    No Direct Physical Loss Decision Upheld Interior Finishes

The policyholder appeals the denial for no direct physical loss to interior finishes and seeks policy limits. (Scope)
Scope
flooding
Download Memo
    No Direct Physical Loss Decision Upheld Kitchen Cabinets

The policyholder appeals the denial for no direct physical loss to their upper kitchen cabinets. (Coverage)
Coverage
flooding
Download Memo
    No Direct Physical Loss Decision Upheld Prior Flood

The policyholder appeals the denial for no direct physical loss building items damaged in a prior flood. (Coverage)
Coverage
Download Memo
    No Direct Physical Loss Decision Upheld Stucco

The policyholder appeals the denial for no direct physical loss to their stucco. (Coverage)
Coverage
flooding
Download Memo
    No Direct Physical Loss Decision Upheld Travertine Tile Flooring

The policyholder appeals the denial for no direct physical loss for ceramic floor tiles. (Coverage)
Coverage
Download Memo
    No Direct Physical Loss Detached Garage Decision Upheld

The policyholder appeals the denial for a non-covered building. (Coverage)
Coverage
detached garage
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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