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: