Unsatisfied with your claim payment?

After a flood, the National Flood Insurance Program (NFIP) is here for you -- from starting a claim to making sure that we reach the correct claims resolution.

In over 50 years, we’ve never allowed a valid claim to go unpaid.

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What if I’ve discovered additional flood damage after filing my claim? Contact your agent or adjuster to update your claim.

Flood claim appeal and guidance

We want to ensure that you and your family are on the road to recovery. If you are unsatisfied with the amount of your claim or receive a denial letter for some or all of your claim, you have options:

  • If you’re unsatisfied, talk to your adjuster or insurer to request additional payment.

    Your adjuster and insurer can help clarify how the flood insurance policy applies to your claim and take immediate action if they missed a key fact, overlooked a document, or made a mistake.

  • You may file a flood insurance appeal directly to the Federal Emergency Management Agency (FEMA), the federal agency that oversees the National Flood Insurance Program (NFIP).

    On appeal, FEMA will work with you and your insurer to gather the claim facts, review the policy, and provide an appeal decision.

    There is no fee to file an appeal, and you do not need a third party to represent you. You must file your appeal within 60 days of the date of the insurer’s denial letter.

    Learn more on how to file and submit an appeal.

  • If you and your insurer agree that a loss occurred but disagree about the price of the loss, seeking an appraisal could resolve the claim.

    You can seek appraisal for disputes over the amount of loss to flood-damaged property. However, if you complete an appraisal you cannot also file an appeal.

    Learn more on how to seek an appraisal.

  • If you are not able to resolve your dispute using the options above, you may file suit with your insurer within one year of the denial of your claim.

    You may file suit after filing an appeal with FEMA. However, filing an appeal does not extend the one-year period of time to file suit.

    Additionally, once you file suit, you also forfeit your option to appeal directly with FEMA.

    Learn more on how to file a lawsuit.