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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 11 - 20 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
    
      Earth Movement Decision Upheld

The policyholder appeals the denial for no direct physical loss due to earth movement. (Coverage)
Coverage
earth movement
Download Memo
    Earth Movement Decision Upheld

The policyholder appeals the denial for damage to their front porch due to earth movement. (Coverage)
Coverage
Earth Movement
Download Memo
    Earth Movement Decision Upheld

The policyholder appeals the denial for structural and foundation damages due to earth movement. (Coverage)
Coverage
earth movement
Download Memo
    Earth Movement Decision Upheld

The policyholder appeals the denial for no direct physical loss due to earth movement. (Coverage.)
Coverage
earth movement
Download Memo
    Earth Movement Direct Physical Loss Decision Upheld

The policyholder appeals the denial for no direct physical loss to the foundation due to earth movement (Coverage).
Coverage
earth movement
Download Memo
    Earth Movement Overturn

The policyholder appeals the denial for no direct physical loss by or from flood because the flood was constrained to the river's banks, well below the described location. (Eligibility. Scope.)
EligibilityScope
house with mud
Download Memo
    Elevated Post FIRM Decision Upheld

The policyholder appeals the denial for elevated post-FIRM limitations and coverage for their elevator. (Coverage)
Coverage
flood loss
Download Memo
    Elevated post-FIRM Building Coverage Limitations Decision Overturned

The policyholder appeals the denial due to post-FIRM elevated building restrictions. (Coverage.)
Coverage
Download Memo
    Elevated Post-FIRM Building Coverage Limitations Decision Upheld

The policyholder appeals the denial due to post-FIRM elevated building restrictions. (Coverage.)
Coverage
Download Memo
    Elevated Post-FIRM Building Coverage Limitations Staircase Wall Decision Overturned

The policyholder appeals the denial of the staircase pony wall.(Coverage.)
Coverage
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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