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 

ICC Decision Overturned

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 his property arising on October 2018.

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]

Basement Coverage Limitations Decision Overturned

Overview

The policyholders, through their representative (hereinafter “policyholders”) filed an appeal in August 2020, alleging their flood insurance carrier (hereinafter “insurer”) improperly denied all of their claim under the Standard Flood Insurance Policy (SFIP) [1] for damages to covered property arising from a claimed flood event dated June 2020. [2]

In its review, FEMA found the following facts relevant:

No General and Temporary Condition of Flood Mold Moisture or Mildew Decision Upheld

Overview

The policyholders, through their representative (hereinafter “policyholders”) filed an appeal in August 2020, alleging their flood insurance carrier (hereinafter “insurer”) improperly denied all of their claim under the Standard Flood Insurance Policy (SFIP) [1] for damages to covered property arising from a claimed flood event dated June 2020. [2]

In its review, FEMA found the following facts relevant:

No General and Temporary Condition of Flood Decision Upheld

Overview

The policyholder filed an appeal in August 2020, alleging their flood insurance carrier (hereinafter “insurer”) improperly denied all of their claim under the Standard Flood Insurance Policy (SFIP) [1] for damages to covered property arising from a claimed loss event dated September 2019. [2]

In its review, FEMA found the following facts relevant: