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 51 - 60 of 89
No Direct Physical Loss Garage Door Decision Upheld
The policyholder appeals the denial for no direct physical loss. (Coverage)
  • Coverage
garage door
Download Memo
No Direct Physical Loss HVAC Decision Upheld
The policyholder appeals the denial for no direct physical loss to the interior HVAC system. (Coverage)
  • Coverage
flood loss
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No Direct Physical Loss HVAC Decision Upheld
The policyholder appeals the denial for no direct physical loss to the interior HVAC system. (Coverage)
  • Coverage
Download Memo
No Direct Physical Loss HVAC Decision Upheld
The policyholder appeals the denial for no direct physical loss to the interior HVAC system. (Coverage)
  • Coverage
flood loss
Download Memo
No Direct Physical Loss Insuring Agreement Decision Upheld
The policyholder appeals the denial for property not covered and no direct physical loss (Eligibility, coverage)
  • Coverage
  • Eligibility
insuring agreement
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No Direct Physical Loss Late Reporting Prove Loss Decision Upheld
The policyholder appeals the denial for no direct physical loss and late reporting. (Coverage)
  • Coverage
flood loss
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No Direct Physical Loss Mold Mildew Moisture Decision Upheld
The policyholder appeals the denial for no direct physical loss to the floors. (Coverage)
  • Coverage
flood loss
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No Direct Physical Loss Mold Mildew or Moisture Decision Upheld
The policyholder appeals the denial for no direct physical loss of hardwood floors. (Coverage)
  • Coverage
flood loss
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No Direct Physical Loss Mold Moisture Mildew Decision Upheld
The policyholder appeals the denial for building property due to no direct physical loss by of from flood. (Coverage)
  • Coverage
drying mitigation
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No Direct Physical Loss Overturn Sheathing
The policyholder appeals the denial for no direct physical loss to their sheathing and vinyl siding. (Coverage)
  • Coverage
physical loss
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Related Resources

Understanding Coverage Decisions (New)