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 31 - 40 of 89
Mold, Mildew, and Moisture Exclusion Decision Upheld
The policyholder appeals the denial for staining on the concrete slab, tile grout, and tile surface due to mold, mildew, or moisture. (Scope)
  • Scope
ceramic tile
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No Direct Physical Loss Air Vents Mold Mildew or Moisture Decision Upheld
The policyholder appeals the denial for no direct physical loss for the cleaning of air vents. (Coverage)
  • Coverage
flood loss
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No Direct Physical Loss Ceramic Tile Decision Upheld
The policyholder appeals the denial for no direct physical loss for ceramic tile floors. (Coverage, Scope)
  • Coverage
  • Scope
ceramic tile
Download Memo
No Direct Physical Loss Decision Overturned
The policyholder appeals the denial due to no direct physical loss to the front porch. (Coverage.)
  • Coverage
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No Direct Physical Loss Decision Upheld
The policyholder appeals the denial for no direct physical loss. (Coverage)
  • Coverage
flood loss
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No Direct Physical Loss Decision Upheld
The policyholder appeals the denial for no direct physical loss. (Coverage)
  • Coverage
flood loss
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No Direct Physical Loss Decision Upheld
The policyholder appeals the denial for no direct physical loss. (Coverage)
  • Coverage
flood loss
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No Direct Physical Loss Decision Upheld
The policyholder appeals the denial for building property due to no direct physical loss by of from flood and excluded property. (Coverage)
  • Coverage
drying mitigation
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No Direct Physical Loss Decision Upheld
The policyholder appeals the denial for no direct physical damage and failure to prove their loss. (Coverage. Price.)
  • Coverage
  • Price
Drying Mitigation
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NO Direct Physical Loss Decision Upheld Ceramic Tile
The policyholder appeals the denial for no direct physical loss to their vanity, tile flooring, and electrical. (Coverage)
  • Coverage
ceramic tile
Download Memo

Related Resources

Understanding Coverage Decisions (New)