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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 21 - 30 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
    
      Elevated Post-FIRM Building Limitations Upheld

The policyholder appeals the denial of both building and personal property due to post-FIRM elevated building limitations. The policyholder also appeals the denial for mold testing and coverage for a hot tub installed in a non-covered structure. (Coverage)
Coverage
Download Memo
    Elevated Post-FIRM Coverage Limitations Decision Upheld

The policyholder appeals the denial related to basement limitations and coverage for structural drying. (Coverage. Scope. Price.)
CoveragePrice
basement coverage
Download Memo
    Elevated Post-FIRM Overturn

The policyholder appeals the denial due to post-FIRM elevated building limitations and damages being below the policy deductible. (Coverage. Scope.)
CoverageScope
Drying Mitigation
Download Memo
    Flood In Progress Overturn

The policyholder appeals the denial due to a flood being in progress. (Eligibility)
Eligibility
drying mitigation
Download Memo
    General Condition of Flood Overturn

The policyholder appeals the denial for no general condition of flood. (Eligibility)
Eligibility
drying mitigation
Download Memo
    ICC Benefits Decision Upheld

The policyholder appeals the denial for Increased Cost of Compliance benefits. (Eligibility)
Eligibility
Download Memo
    ICC Benefits Decision Upheld

The policyholder appeals the denial for Increased Cost of Compliance benefits. (Eligibility)
Eligibility
ICC
Download Memo
    ICC Decision Overturned

The policyholder appeals the denial for increased cost of compliance (ICC) coverage. (Coverage.)
Coverage
ICC
Download Memo
    Increased Cost of Compliance Benefits Decision Upheld

The policyholder appeals the denial of Increased Cost of Compliance (ICC) coverage due to not meeting eligibility requirements. (Eligibility)
Eligibility
drying mitigation
Download Memo
    Loss Settlement Decision Upheld

The policyholders appeal the denial for the loss settlement of their rugs. (Price, Scope)
PriceScope
flooding
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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