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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 61 - 70 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 Direct Physical Loss Proof of Loss Decision Upheld

The policyholder appeals the denial of the granite countertops due to no direct physical loss by or from flood. (Coverage)
Coverage
drying mitigation
Download Memo
    No Direct Physical Loss Structural Drying Decision Upheld

The policyholder appeals the denial for no direct physical loss and charges for structural drying. (Coverage, scope, price)
CoveragePriceScope
flood loss
Download Memo
    No Direct Physical Loss Structural Drying Decision Upheld

The policyholder appeals the denial for no direct physical loss and other economic loss. (Coverage, scope, price)
CoveragePriceScope
flood loss
Download Memo
    No Direct Physical Loss Tile Floor Mold Mildew or Moisture Decision Upheld

The policyholder appeals the denial for no direct physical loss to their tile floor. (Coverage)
Coverage
tile floor
Download Memo
    No Direct Physical Loss Tile Floors Decision Upheld

The policyholder appeals the denial for no direct physical loss to ceramic tile floors. (Coverage)
Coverage
tile floors
Download Memo
    No General & Temporary Condition of Flood Decision Upheld

The policyholder appeals the denial of no general condition of flood and damage to their stucco wall and garage. (Eligibility)
Eligibility
flood loss
Download Memo
    No General and Temporary Condition of Flood Decision Overturned

The policyholder appeals the denial due to no general condition of flood. (Eligibility. Coverage.)
CoverageEligibility
Download Memo
    No General and Temporary Condition of Flood Decision Upheld

The policyholder appeals the denial for building property due to no direct physical loss by of from flood. (Eligibility. Coverage.)
CoverageEligibility
Download Memo
    No General and Temporary Condition of Flood Decision Upheld

Description: The policyholder appeals the denial for building property due to no direct physical loss by of from flood. (Eligibility. Coverage.)
CoverageEligibility
Download Memo
    No General and Temporary Condition of Flood Mold Moisture or Mildew Decision Upheld

The policyholder appeals the denial for no general condition of flood. (Eligibility. Coverage)
CoverageEligibility
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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