Hurricane Helene

If you have flood insurance from FEMA's National Flood Insurance Program and experienced flooding during Hurricane Helene, visit How Do I Start My Claim to learn more about how to file your flood insurance claim. Further details on FEMA operations can be found on the following links: https://www.fema.gov/hurricane-helene Spanish: https://www.fema.gov/es/helene 

Other Insurance Multiple Perils Decision Upheld

BUILDING COVERAGE: $250,000

PERS. PROPERTY COVERAGE: $0.00

DATE OF LOSS: September 2022

DATE OF DENIAL: March 2023

APPEAL SUBMISSION DATE: March 2023

APPEAL ELIGIBILITY DATE: April 2023

PROPERTY DESCRIPTION: A two-story, single-family, elevated post-FIRM (Flood Insurance Rate Map) building on pilings with a lower enclosure.

POLICYHOLDER’S APPEAL: The policyholder requests coverage up to the building’s valuation. [1]

No Direct Physical Loss Decision Upheld Travertine Tile Flooring

Summary

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]  

No Direct Physical Loss Decision Upheld Ceramic Tiles

Summary

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]  

Other RCBAP Decision Upheld

Summary

The 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]  

After reviewing the issues, evidence, and relevant authorities, FEMA affirms the insurer’s decision.

Proof of Loss Decision Upheld

Summary

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]  

Condo Loss Assessments Decision Upheld

BUILDING COVERAGE: $25,000

PERS. PROPERTY COVERAGE: $17,000

DATE OF LOSS: September 2022

DATE OF DENIAL: March 2023

APPEAL SUBMISSION DATE: March 2023

APPEAL ELIGIBILITY DATE: April 2023

PROPERTY DESCRIPTION: Single-family unit in a two-story condominium building. 

POLICYHOLDER’S APPEAL: The policyholder appeals the insurer’s denial and seeks payment for condominium loss assessments. [1]