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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 1 - 10 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
    
      Actual Cash Value Proof of Loss Decision Upheld

The policyholder appeals the denial for an additional payment for personal property items. (Price)
Price
drying mitigation
Download Memo
    Basement Coverage Limitations Decision Overturned

The policyholder appeals the denial due to basement limitations. (Coverage.)
Coverage
basement
Download Memo
    Basement Coverage Limitations Decision Upheld

The policyholder appeals the denial of personal property due to basement limitations. (Coverage)
Coverage
basement coverage
Download Memo
    Complying with Law or Ordinance Decision Upheld

The policyholder appeals the denial for asbestos testing. (Coverage)
Coverage
flood loss
Download Memo
    Condo Loss Assessments Decision Upheld

The policyholder appeals the insurer’s denial and seeks payment for condominium loss assessments (coverage).
Coverage
flood loss
Download Memo
    Detached Garages Overturn

The policyholder appeals the denial related to a non-qualified building. (Eligibility)
Eligibility
detached garage
Download Memo
    Direct Physical Loss Flood Borne Debris Overturn

The policyholder appeals the denial for the removal of non-owned flood-borne debris on the insured property. (Coverage. Scope.)
CoverageScope
lake flooding
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    Direct Physical Loss Prior Damages Sheathing Upheld

The policyholder appeals the denial of building property not repaired or replaced after a prior loss. (Coverage)
Coverage
Drying Mitigation
Download Memo
    Direct Physical Loss Sheathing Overturn

The policyholder appeals the denial for the exterior wall sheathing due to no direct physical loss by or from flood. (Scope. Price)
PriceScope
A1 Sheathing Overturn
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    Earth Movement Decision Overturned

The policyholder appeals the denial for foundation damages, gravel, and well damages. (Coverage.)
Coverage
earth movement
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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