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 

Direct Physical Loss Flood Borne Debris Overturn

Summary

The policyholder appealed the flood insurance carrier’s (hereinafter “insurer”) denial of a part of their claim under the Standard Flood Insurance Policy (SFIP) [1] for damages to his property arising in July 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]  

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

Flood In Progress Overturn

Overview

The policyholders filed an appeal in March 13, 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 flood event in September 2019. [2]

In its review, FEMA found the following facts relevant:

Detached Garages Overturn

Overview

The policyholders filed an appeal in 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 flood event dated September 2020. [2]

In its review, FEMA found the following facts relevant:

No General Condition of Flood Earth Movement 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 May 2020.

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.