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The policyholder filed an appeal on December 2020, alleging his 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 flood event in July 2020. [2]
In its review, FEMA found the following facts relevant:
Dear Policyholder:
After reviewing the issues raised in your flood insurance appeal, the Department of Homeland Security, Federal Emergency Management Agency (FEMA) agrees with the decision of your flood insurer, Allstate Insurance Company, to deny your request for Coverage D - Increased Cost of Compliance benefits under the Standard Flood Insurance Policy (SFIP).
The policyholder through their representative (hereinafter "policyholder") filed an appeal on August 2020, 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 dated May 2020. [2]
In its review, FEMA found the following facts relevant:
The policyholders filed an appeal on July 2020, 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 claimed loss event dated June 2020. [2]
In its review, FEMA found the following facts relevant:
The policyholder filed an appeal on March 2020, alleging their flood insurance carrier (hereinafter “insurer”) improperly denied part of his 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:
The policyholder filed an appeal on May 2020, 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 dated September 2019. [2]
In its review, FEMA found the following facts relevant:
The policyholders filed an appeal on February 2020, 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 Superstorm Sandy on October 2012. [2]
In its review, FEMA found the following facts relevant:
Dear Policyholders:
After reviewing the issues raised in your flood insurance appeal, the Department of Homeland Security, Federal Emergency Management Agency (FEMA) agrees with the decision of your flood insurer, Wright National Flood Insurance Company, to deny payment for your interior air handlers.
In your appeal, you contend your air handlers, although not directly damaged by flood, needed replacement in order to be compatible with the rest of your damaged HVAC system due to a change in refrigerant type.
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 on September 2019.
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]
Dear Policyholder:
After reviewing the issues raised in the flood insurance appeal submitted August 2019, the Department of Homeland Security, Federal Emergency Management Agency (FEMA) concurs with the decision of your flood insurer, Wright National Flood Insurance, to deny payment for your seawall and exterior sheathing.