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 

No Direct Physical Loss Decision Upheld

Overview

The policyholder, Through their representative (hereinafter "policyholder"), filed an appeal in September 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 flood event in July 2020. [2]

In its review, FEMA found the following facts relevant:

Request for Additional Payment Decision Upheld

Summary

The policyholders appealed 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 August 2017.

The policyholders file 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 policyholders’ claim. [2]

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

Earth Movement Decision Upheld

Overview

The policyholders filed an appeal in August 2019, 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 flood event in June 2019. [2]

In its review, FEMA found the following facts relevant: