River Flooding: Your Unexpected Guest (2023)
River Flooding:
No Direct Physical Loss Ceramic Tile Decision Upheld
Summary
The policyholder appealed the flood insurance carrier’s (hereinafter “insurer”) denial of a claim under the Standard Flood Insurance Policy (SFIP) [1] for damages to her property arising in August 2017.
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 Mold Mildew Moisture Decision Upheld
Overview
The policyholder filed an appeal on August 2020, alleging her flood insurance carrier (hereinafter “insurer”) improperly denied part of her claim under the Standard Flood Insurance Policy (SFIP) [1] for damages to covered property arising from a flood event dated August 2017. [2]
In its review, FEMA found the following facts relevant:
No Direct Physical Loss Late Reporting Prove Loss Decision Upheld
Overview
The policyholders filed an appeal on October 2020, alleging their flood insurance carrier (hereinafter “insurer”) improperly denied their claim under the Standard Flood Insurance Policy (SFIP) [1] for damages to covered property arising from a claimed loss event dated March 2020. [2]
In its review, FEMA found the following facts relevant:
No Direct Physical Loss HVAC Decision Upheld
Overview
The policyholders filed an appeal on August 2019, alleging their flood insurance carrier (hereinafter “insurer”) improperly denied part of their claim under the Standard Flood Insurance Policy (SFIP) [1] for damages to covered property arising from a flood event in July 2019. [2]
In its review, FEMA found the following facts relevant: