Earth Movement
Earth Movement Overturn The policyholder contests the denial of their claim stating the Tennessee River was in a state of major flood when damage to their property occurred.
Earth Movement
Earth Movement Upheld On appeal, the policyholders contest the denial of coverage for structural damages related to their front porch.
Basement
Elevated Post-FIRM Basement Limitations Upheld On appeal, the policyholder requests coverage for various personal property items, a hot-tub, and the cost to test for mold.
Drying Mitigation
Elevated Post-FIRM Overturn The policyholder appeals the insurer’s denial and contends the property is not elevated.
Drying Mitigation
Flood In Progress Upheld The policyholder appeals the insurer’s denial of coverage for drying mitigation.
Earth Movement
No General Condition of Flood Mold, Moisture, and Mildew Upheld The policyholder appeals the insurer’s denial of coverage due to no general and temporary condition of flood.
Basement
No General Condition of Flood Upheld The policyholder contests the denial of coverage due to no general and temporary condition of flood.
Earth Movement
No General Condition of Flood, Earth Movement, and No Direct Physical Loss Upheld The policyholders appeal the insurer’s denial of coverage for no general and temporary condition of flood, earth movement exclusion, and no direct physical loss by or from flood.
Drying Mitigation
Prior Loss Upheld The policyholders appeal the insurer’s denial of coverage for damage to the kitchen cabinets, exterior doors, and wood plank subfloors.
A1 Sheathing Overturn
Sheathing Overturn The policyholder appeals the insurer’s denial of coverage for exterior perimeter wall sheathing.

Understanding Coverage Decisions

This is a collection of FEMA decisions in response to NFIP policyholders who have appealed their flood insurer’s denial. Current and future policyholders are encouraged to use these documents as a self-help tool to better understand why claims get denied.

Please use the features below to search the collection and come back often as the team will continue to add new decisions in the future.

Flood Claim Decision Memos