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<h1>Understanding Coverage Decisions</h1>

<p>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. </p>

<h2>Flood Claim Decision Memos</h2>

<p>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. </p>


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for="edit-field-memo-type-target-id-2">Ceramic Tile </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-149 js-form-item-field-memo-type-target-id-149"><input data-drupal-selector="edit-field-memo-type-target-id-149" type="checkbox" id="edit-field-memo-type-target-id-149" name="field_memo_type_target_id[149]" value="149" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-149">Stucco </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-141 js-form-item-field-memo-type-target-id-141"><input data-drupal-selector="edit-field-memo-type-target-id-141" type="checkbox" id="edit-field-memo-type-target-id-141" name="field_memo_type_target_id[141]" value="141" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-141">Condo Loss Assessments </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-138 js-form-item-field-memo-type-target-id-138"><input data-drupal-selector="edit-field-memo-type-target-id-138" type="checkbox" id="edit-field-memo-type-target-id-138" name="field_memo_type_target_id[138]" value="138" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-138">Debonding </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-129 js-form-item-field-memo-type-target-id-129"><input data-drupal-selector="edit-field-memo-type-target-id-129" type="checkbox" id="edit-field-memo-type-target-id-129" name="field_memo_type_target_id[129]" value="129" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-129">Flood Borne Debris </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-145 js-form-item-field-memo-type-target-id-145"><input data-drupal-selector="edit-field-memo-type-target-id-145" type="checkbox" id="edit-field-memo-type-target-id-145" name="field_memo_type_target_id[145]" value="145" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-145">Foundation Walls </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-139 js-form-item-field-memo-type-target-id-139"><input data-drupal-selector="edit-field-memo-type-target-id-139" type="checkbox" id="edit-field-memo-type-target-id-139" name="field_memo_type_target_id[139]" value="139" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-139">Granite Countertops </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-131 js-form-item-field-memo-type-target-id-131"><input data-drupal-selector="edit-field-memo-type-target-id-131" type="checkbox" id="edit-field-memo-type-target-id-131" name="field_memo_type_target_id[131]" value="131" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-131">HVAC </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-127 js-form-item-field-memo-type-target-id-127"><input data-drupal-selector="edit-field-memo-type-target-id-127" type="checkbox" id="edit-field-memo-type-target-id-127" name="field_memo_type_target_id[127]" value="127" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-127">Mold, Moisture, or Mildew </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-130 js-form-item-field-memo-type-target-id-130"><input data-drupal-selector="edit-field-memo-type-target-id-130" type="checkbox" id="edit-field-memo-type-target-id-130" name="field_memo_type_target_id[130]" value="130" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-130">Sheathing </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-135 js-form-item-field-memo-type-target-id-135"><input data-drupal-selector="edit-field-memo-type-target-id-135" type="checkbox" id="edit-field-memo-type-target-id-135" name="field_memo_type_target_id[135]" value="135" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-135">Structural Drying </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-147 js-form-item-field-memo-type-target-id-147"><input data-drupal-selector="edit-field-memo-type-target-id-147" type="checkbox" id="edit-field-memo-type-target-id-147" name="field_memo_type_target_id[147]" value="147" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-147">Structural Damages </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-136 js-form-item-field-memo-type-target-id-136"><input data-drupal-selector="edit-field-memo-type-target-id-136" type="checkbox" id="edit-field-memo-type-target-id-136" name="field_memo_type_target_id[136]" value="136" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-136">Proof of loss </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-128 js-form-item-field-memo-type-target-id-128"><input data-drupal-selector="edit-field-memo-type-target-id-128" type="checkbox" id="edit-field-memo-type-target-id-128" name="field_memo_type_target_id[128]" value="128" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-128">Prior Flood Damages </label></div>                                </ul><li><div class="usa-checkbox js-form-item form-item 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class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-144 js-form-item-field-memo-type-target-id-144"><input data-drupal-selector="edit-field-memo-type-target-id-144" type="checkbox" id="edit-field-memo-type-target-id-144" name="field_memo_type_target_id[144]" value="144" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-144">Asbestos </label></div>                                </ul><li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-120 js-form-item-field-memo-type-target-id-120"><input data-drupal-selector="edit-field-memo-type-target-id-120" type="checkbox" id="edit-field-memo-type-target-id-120" name="field_memo_type_target_id[120]" value="120" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-120">General Condition of Flood </label></div>                                <ul><li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-137 js-form-item-field-memo-type-target-id-137"><input data-drupal-selector="edit-field-memo-type-target-id-137" type="checkbox" id="edit-field-memo-type-target-id-137" name="field_memo_type_target_id[137]" value="137" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-137">Canvas </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-134 js-form-item-field-memo-type-target-id-134"><input data-drupal-selector="edit-field-memo-type-target-id-134" type="checkbox" id="edit-field-memo-type-target-id-134" name="field_memo_type_target_id[134]" value="134" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-134">Late Reporting </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-133 js-form-item-field-memo-type-target-id-133"><input data-drupal-selector="edit-field-memo-type-target-id-133" type="checkbox" id="edit-field-memo-type-target-id-133" name="field_memo_type_target_id[133]" value="133" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-133">Mold, Moisture, or Mildew </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-142 js-form-item-field-memo-type-target-id-142"><input data-drupal-selector="edit-field-memo-type-target-id-142" type="checkbox" id="edit-field-memo-type-target-id-142" name="field_memo_type_target_id[142]" value="142" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-142">Stucco Wall </label></div>                                </ul><li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-6 js-form-item-field-memo-type-target-id-6"><input data-drupal-selector="edit-field-memo-type-target-id-6" type="checkbox" id="edit-field-memo-type-target-id-6" name="field_memo_type_target_id[6]" value="6" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-6">Continuous Lake Flooding </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-1 js-form-item-field-memo-type-target-id-1"><input data-drupal-selector="edit-field-memo-type-target-id-1" type="checkbox" id="edit-field-memo-type-target-id-1" name="field_memo_type_target_id[1]" value="1" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-1">Basement </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-4 js-form-item-field-memo-type-target-id-4"><input data-drupal-selector="edit-field-memo-type-target-id-4" type="checkbox" id="edit-field-memo-type-target-id-4" name="field_memo_type_target_id[4]" value="4" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-4">Drying Mitigation </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-3 js-form-item-field-memo-type-target-id-3"><input data-drupal-selector="edit-field-memo-type-target-id-3" type="checkbox" id="edit-field-memo-type-target-id-3" name="field_memo_type_target_id[3]" value="3" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-3">Detached Garage </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-124 js-form-item-field-memo-type-target-id-124"><input data-drupal-selector="edit-field-memo-type-target-id-124" type="checkbox" id="edit-field-memo-type-target-id-124" name="field_memo_type_target_id[124]" value="124" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-124">Economic Loss - Overhead & Profit </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-122 js-form-item-field-memo-type-target-id-122"><input data-drupal-selector="edit-field-memo-type-target-id-122" type="checkbox" id="edit-field-memo-type-target-id-122" name="field_memo_type_target_id[122]" value="122" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-122">Elevated Post-FIRM Building Coverage Limitations </label></div>                                <ul><li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-140 js-form-item-field-memo-type-target-id-140"><input data-drupal-selector="edit-field-memo-type-target-id-140" type="checkbox" id="edit-field-memo-type-target-id-140" name="field_memo_type_target_id[140]" value="140" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-140">PFE </label></div>                                </ul><li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-5 js-form-item-field-memo-type-target-id-5"><input data-drupal-selector="edit-field-memo-type-target-id-5" type="checkbox" id="edit-field-memo-type-target-id-5" name="field_memo_type_target_id[5]" value="5" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-5">Earth Movement </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-132 js-form-item-field-memo-type-target-id-132"><input data-drupal-selector="edit-field-memo-type-target-id-132" type="checkbox" id="edit-field-memo-type-target-id-132" name="field_memo_type_target_id[132]" value="132" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-132">Flood in Progress </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-123 js-form-item-field-memo-type-target-id-123"><input data-drupal-selector="edit-field-memo-type-target-id-123" type="checkbox" id="edit-field-memo-type-target-id-123" name="field_memo_type_target_id[123]" value="123" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-123">ICC Benefits </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox form-item-field-memo-type-target-id-125 js-form-item-field-memo-type-target-id-125"><input data-drupal-selector="edit-field-memo-type-target-id-125" type="checkbox" id="edit-field-memo-type-target-id-125" name="field_memo_type_target_id[125]" value="125" class="form-checkbox usa-checkbox__input" /><label class="usa-checkbox__label option" for="edit-field-memo-type-target-id-125">Insuring Agreement </label></div>                                <li><div class="usa-checkbox js-form-item form-item js-form-type-checkbox 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<ul class="usa-accordion-bordered usa-unstyled-list">
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<label class="usa-checkbox__label option" for="edit-field-decision-rule-target-id-115">Coverage </label>
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<div data-drupal-selector="edit-actions" class="form-actions js-form-wrapper form-wrapper" id="edit-actions"><input data-bef-auto-submit-click="" class="js-hide button js-form-submit form-submit usa-button" data-drupal-selector="edit-submit-appeals-memos" type="submit" id="edit-submit-appeals-memos" value="Search" />
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      <div class="view-content">
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<div class="memo-excerpt">The policyholder appeals the denial for an additional payment for personal property items. (Price)</div>
<div class="meta-tags"><div class="item-list"><ul><li><span class="meta-tag">Price</span></li></ul></div></div>
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<div class="memo-excerpt">The policyholder appeals the denial due to basement limitations. (Coverage.)<br />
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<div class="meta-tags"><div class="item-list"><ul><li><span class="meta-tag">Coverage</span></li></ul></div></div>
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<div class="memo-excerpt">The policyholder appeals the denial of personal property due to basement limitations. (Coverage)<br />
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<div class="meta-tags"><div class="item-list"><ul><li><span class="meta-tag">Coverage</span></li></ul></div></div>
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<div class="memo-excerpt">The policyholder appeals the denial for asbestos testing. (Coverage)</div>
<div class="meta-tags"><div class="item-list"><ul><li><span class="meta-tag">Coverage</span></li></ul></div></div>
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<div class="memo-excerpt">The policyholder appeals the insurer’s denial and seeks payment for condominium loss assessments (coverage).</div>
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<div class="memo-excerpt">The policyholder appeals the denial related to a non-qualified building. (Eligibility)</div>
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<div class="memo-excerpt">The policyholder appeals the denial for the removal of non-owned flood-borne debris on the insured property. (Coverage. Scope.)</div>
<div class="meta-tags"><div class="item-list"><ul><li><span class="meta-tag">Coverage</span></li><li><span class="meta-tag">Scope</span></li></ul></div></div>
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  <img loading="lazy" src="/sites/default/files/2022-02/nfip_appeals_icons4-DryingMitigation_1_2.png" width="180" height="180" alt="lake flooding" typeof="Image" />


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<div class="memo-title"><a href="/memo/direct-physical-loss-prior-damages-sheathing-upheld" hreflang="en">Direct Physical Loss Prior Damages Sheathing Upheld</a></div>
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<div class="memo-excerpt">The policyholder appeals the denial of building property not repaired or replaced after a prior loss. (Coverage)</div>
<div class="meta-tags"><div class="item-list"><ul><li><span class="meta-tag">Coverage</span></li></ul></div></div>
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  <img loading="lazy" src="/sites/default/files/2022-01/nfip_appeals_icons4-DryingMitigation_0.png" width="180" height="180" alt="Drying Mitigation" typeof="Image" />


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<div class="memo-title"><a href="/memo/direct-physical-loss-sheathing-overturn" hreflang="en">Direct Physical Loss Sheathing Overturn</a></div>
<div class="memo-date"></div>
<div class="memo-excerpt">The policyholder appeals the denial for the exterior wall sheathing due to no direct physical loss by or from flood. (Scope. Price)</div>
<div class="meta-tags"><div class="item-list"><ul><li><span class="meta-tag">Price</span></li><li><span class="meta-tag">Scope</span></li></ul></div></div>
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  <img loading="lazy" src="/sites/default/files/2021-12/nfip_appeals_icons4-DryingMitigation.png" width="180" height="180" alt="A1 Sheathing Overturn" typeof="Image" />


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<div class="memo-title"><a href="/memo/earth-movement-decision-overturned" hreflang="en">Earth Movement Decision Overturned</a></div>
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<div class="memo-excerpt">The policyholder appeals the denial for foundation damages, gravel, and well damages. (Coverage.)<br />
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<div class="meta-tags"><div class="item-list"><ul><li><span class="meta-tag">Coverage</span></li></ul></div></div>
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