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BUILDING COVERAGE: $250,000
PERS. PROPERTY COVERAGE: $100,000
DATE OF LOSS: September 2022
DATE OF DENIAL: January 2023
APPEAL SUBMISSION DATE: March 2023
APPEAL ELIGIBILITY DATE: August 2023
INSURER’S DENIAL: The insurer denied coverage for the wood wall in the living room, exterior French doors in the living room, and the water heater in the garage stating these items were not repaired or replaced after a prior 2014 flood loss.
BUILDING COVERAGE: $250,000
PERS. PROPERTY COVERAGE: $20,000
DATE OF LOSS: June 2023
DATE OF DENIAL: July 2023
APPEAL SUBMISSION DATE: July 2023
APPEAL ELIGIBILITY DATE: July 2023
INSURER’S DENIAL: The insurer denied coverage for asbestos testing.
POLICYHOLDER’S APPEAL: The policyholders appeal the denial of coverage for asbestos testing. [1]
BASIS FOR DECISION UNDER THE STANDARD FLOOD INSURANCE POLICY (SFIP):[2]
The policyholder's representative (hereinafter “policyholder”) appeals the flood insurance carrier’s (hereinafter “insurer”) denial of a claim under the Standard Flood Insurance Policy (SFIP) [1] for damages to their property arising in September 2022.
The policyholder files this appeal under 44 C.F.R. § 62.20. The appeals process is available after the insurer issues a written denial, in whole or in part, of the policyholder’s claim. [2]
BUILDING COVERAGE: $250,000
PERS. PROPERTY COVERAGE: $100,000
DATE OF LOSS: January 2023
DATE OF DENIAL: May 2023
APPEAL SUBMISSION DATE: June 2023
APPEAL ELIGIBILITY DATE: June 2023
INSURER’S DENIAL: The insurer denied coverage due to no general and temporary condition of flood.
POLICYHOLDER’S APPEAL: The policyholders request coverage for the exterior stucco wall and garage. [1]
BASIS FOR DECISION UNDER THE STANDARD FLOOD INSURANCE POLICY (SFIP):[2]
BUILDING COVERAGE: $250,000
PERS. PROPERTY COVERAGE: $100,000
DATE OF LOSS: September 2022
DATE OF DENIAL: May 2023
APPEAL SUBMISSION DATE: May 2023
APPEAL ELIGIBILITY DATE: May 2023
PROPERTY DESCRIPTION: A three-story, elevated post-FIRM (Flood Insurance Rate Map), single-family building, with an enclosure on solid foundation walls located in special flood hazard area, flood zone AE.[2]
POLICYHOLDER’S APPEAL: The policyholder seeks coverage for elevator components. [1]
The policyholder through their representative (hereinafter “policyholder”) appeals the flood insurance carrier’s (hereinafter “insurer”) denial of a claim under the Standard Flood Insurance Policy (SFIP) [1] for damages to their property arising in September 2022.
The policyholder files this appeal under 44 C.F.R. § 62.20. The appeals process is available after the insurer issues a written denial, in whole or in part, of the policyholder’s claim. [2]
The policyholder through their representative (hereinafter “policyholder”) appeals the flood insurance carrier’s (hereinafter “insurer”) denial of a claim under the Standard Flood Insurance Policy (SFIP) [1] for damages to their property arising in September 2022.
The policyholder files this appeal under 44 C.F.R. § 62.20. The appeals process is available after the insurer issues a written denial, in whole or in part, of the policyholder’s claim. [2]
BUILDING COVERAGE: $240,000
PERS. PROPERTY COVERAGE: $0
DATE OF LOSS: September 2022
DATE OF DENIAL: November 2022
APPEAL SUBMISSION DATE: November 2022
APPEAL ELIGIBILITY DATE: November 2022
PROPERTY DESCRIPTION: One-story, single-family building, built on a slab-on-grade foundation.
POLICYHOLDER’S APPEAL: The policyholders request coverage to repair the exterior cracks in the stucco, missing stucco at the corners of their building, and the patio foundation. [1]
BUILDING COVERAGE: $250,000
PERS. PROPERTY COVERAGE: $100,000
DATE OF LOSS: September 2022
DATE OF DENIAL: July 2023
APPEAL SUBMISSION DATE: September 2023
APPEAL ELIGIBILITY DATE: September 2023
INSURER’S DENIAL: The insurer denied coverage for exterior sheathing and vinyl siding, citing no direct physical loss by or from flood.
POLICYHOLDER’S APPEAL: The policyholders seek coverage for the replacement of exterior sheathing and vinyl siding. [1]
The policyholder appealed the flood insurance carrier’s (hereinafter “insurer”) denial of a part of their claim under the Standard Flood Insurance Policy (SFIP) [1] for damages to their property arising in November 2022.
The policyholder files this appeal under 44 C.F.R. § 62.20. The appeals process is available after the insurer issues a written denial, in whole or in part, of the policyholder’s claim. [2]
After reviewing the issues, evidence, and relevant authorities, FEMA affirms the insurer’s decision.