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 

Understanding Coverage Decisions

This is a collection of FEMA decisions in response to NFIP policyholders who have appealed their flood insurer's denial. These documents are provided to claim professionals, as well as current and future policyholders for use to better understand flood policy coverage, claim requirements, and why claims get denied or overturned. 

Flood Claim Decision Memos

Please use the features below to search the collection. You may sort by appeal issue, which is based on a common subject ‘tagwords’, decision type, or based on type decision rule, which are categorized on the hierarchy of insurance policy rules on (1) eligibility, (2) coverage, (3) scope of damage, and (4) price or scope to repair. FEMA will periodically add new decisions to its collection over time. 

Displaying 21 - 30 of 89
Elevated Post-FIRM Building Limitations Upheld
The policyholder appeals the denial of both building and personal property due to post-FIRM elevated building limitations. The policyholder also appeals the denial for mold testing and coverage for a hot tub installed in a non-covered structure. (Coverage)
  • Coverage
Download Memo
Elevated Post-FIRM Coverage Limitations Decision Upheld
The policyholder appeals the denial related to basement limitations and coverage for structural drying. (Coverage. Scope. Price.)
  • Coverage
  • Price
basement coverage
Download Memo
Elevated Post-FIRM Overturn
The policyholder appeals the denial due to post-FIRM elevated building limitations and damages being below the policy deductible. (Coverage. Scope.)
  • Coverage
  • Scope
Drying Mitigation
Download Memo
Flood In Progress Overturn
The policyholder appeals the denial due to a flood being in progress. (Eligibility)
  • Eligibility
drying mitigation
Download Memo
General Condition of Flood Overturn
The policyholder appeals the denial for no general condition of flood. (Eligibility)
  • Eligibility
drying mitigation
Download Memo
ICC Benefits Decision Upheld
The policyholder appeals the denial for Increased Cost of Compliance benefits. (Eligibility)
  • Eligibility
Download Memo
ICC Benefits Decision Upheld
The policyholder appeals the denial for Increased Cost of Compliance benefits. (Eligibility)
  • Eligibility
ICC
Download Memo
ICC Decision Overturned
The policyholder appeals the denial for increased cost of compliance (ICC) coverage. (Coverage.)
  • Coverage
ICC
Download Memo
Increased Cost of Compliance Benefits Decision Upheld
The policyholder appeals the denial of Increased Cost of Compliance (ICC) coverage due to not meeting eligibility requirements. (Eligibility)
  • Eligibility
drying mitigation
Download Memo
Loss Settlement Decision Upheld
The policyholders appeal the denial for the loss settlement of their rugs. (Price, Scope)
  • Price
  • Scope
flooding
Download Memo

Related Resources

Understanding Coverage Decisions (New)