U.S. flagAn official website of the United States government
        Here's how you know
            Navegar a la página de inicio en españolDot gov**Official websites use .gov**
          
          A
          **.gov**
          website belongs to an official government organization in the United
          States.
    Https**Secure .gov websites use HTTPS**
          
          A
          **lock**
          (
          A locked padlock
          ) or
          **https://**
          means you’ve safely connected to the .gov website. Share sensitive
          information only on official, secure websites.Menu
         U.S. Department of Homeland Security - Federal Emergency Management Agency - National Flood Insurance Program

    close

        
                        Skip links
								Sign Up for Updates
											Find a Provider
											Resource Library
											FloodSmart for AgentsMain Global Search, Enter Search Term(s):

          
                        Skip nav links

      Buying a Policy
          
                                	
			      Buying a Policy
        
    
              Why Buy Flood Insurance
              Am I Required to Have Flood Insurance?
              What’s Covered
              Types of Flood Insurance
              How to Buy Flood Insurance
              Find an Insurance Provider
              Renewing a Policy
          
                                	
			      Renewing a Policy
        
    
              Why Should I Renew My Policy?
              How to Renew Your Policy
              Flood Risks and Costs
          
                                	
			      Flood Risks and Costs
        
    
              Cost of Flooding
              What Impacts My Premium and Policy Costs?
              Flood Insurance Mitigation Discount Tool
              Climate Change and Risk
              Policy Terms
              How Can I Pay Less?
              Before and After a Flood
          
                                	
			      Before and After a Flood
        
    
              Steps to Prepare for Flooding
              How Do I Start My Flood Claim?
              Document Damage and Start Clean Up
              Disaster Response
              Appeal Your Flood Claim
              Understanding Coverage Decisions
              Reducing Future Flood Damage
              Flood Zones and Maps
          
                                	
			      Flood Zones and Maps
        
    
              Historical Claims Map
              All About Flood Maps
              Flood Map Updates
              Elevation Certificates Understanding Coverage Decisions

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 81 - 89 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
    
      Prior Flood Damages Personal Property Outside Covered Building Decision Upheld

The policyholder appeals the denial for flood-related damages not repaired or replaced after a prior flood event and personal property outside of a covered building. (Coverage)
Coverage
Download Memo
    Proof of Loss Decision Upheld

The policyholder appeals the denial for failure to prove their loss and seeks payment for building damages and the water mitigation estimate (scope, price).
PriceScope
proof of loss
Download Memo
    Proof of Loss Decision Upheld Additional Payment

The policyholders appeals the denial of their request for additional payment. (Scope, Price)
PriceScope
flooding
Download Memo
    Proof of Loss Decision Upheld Personal Property

The policyholder appeals the denial of coverage for personal property items. (Coverage)
Coverage
proof of loss
Download Memo
    Repair or Replace Prior Flood Damages Decision Overturned

The policyholder appeals the denial for flood-related damages not repaired or replaced after a prior flood event. (Coverage)
Coverage
Download Memo
    Repair or Replace Prior Flood Damages Decision Overturned

The policyholder appeals the denial for flood-related damages not repaired or replaced after a prior flood event. (Coverage)
Coverage
Download Memo
    Repair or Replace Prior Flood Damages Decision Upheld

The policyholder appeals the denial for flood-related damages not repaired or replaced after a prior flood event. (Coverage)
Coverage
flood
Download Memo
    Repair or Replace Prior Flood Damages Decision Upheld

The policyholder appeals the denial for flood-related damages not repaired or replaced after a prior flood event. (Coverage)
Coverage
flood
Download Memo
    Request for Additional Payment Decision Upheld

The policyholder appeals the denial for the request of an additional payment due to the failure of proving their loss. (Scope. Price.)
PriceScope
payment
Download Memo
  
        Pagination
    First page
            « First
                          Previous page
            ‹ Previous
                                      Page1
              Page2
              Page3
              Page4
              Page5
              Page6
              Page7
              Page8
              Current page9Related 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)





FEMA | National Flood Insurance Program
                        500 C St SW,
            Washington,
            D.C.
            20472 Disaster Assistance:
          (800) 621-FEMA An official website of the Department of Homeland Security
 **Need Help?** About Us Contact Us Glossary Privacy Policy Vulnerability Disclosure Policy
 **Related Links** Footer Accordion Links
  

        


    
    
            Partner Sites
          No Fear Data Act

      
    
      
        Freedom of Information Act

      
    
      
        Office of the Inspector General

      
    
      
        Whitehouse.gov

      
    
      
        DHS.gov

      
    
      
        USA.gov
 FEMA.gov Ready.gov DisasterAssistance.gov Accessibility Plug-Ins
 **Connect with NFIP**