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 61 - 70 of 89
No Direct Physical Loss Proof of Loss Decision Upheld
The policyholder appeals the denial of the granite countertops due to no direct physical loss by or from flood. (Coverage)
  • Coverage
drying mitigation
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No Direct Physical Loss Structural Drying Decision Upheld
The policyholder appeals the denial for no direct physical loss and charges for structural drying. (Coverage, scope, price)
  • Coverage
  • Price
  • Scope
flood loss
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No Direct Physical Loss Structural Drying Decision Upheld
The policyholder appeals the denial for no direct physical loss and other economic loss. (Coverage, scope, price)
  • Coverage
  • Price
  • Scope
flood loss
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No Direct Physical Loss Tile Floor Mold Mildew or Moisture Decision Upheld
The policyholder appeals the denial for no direct physical loss to their tile floor. (Coverage)
  • Coverage
tile floor
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No Direct Physical Loss Tile Floors Decision Upheld
The policyholder appeals the denial for no direct physical loss to ceramic tile floors. (Coverage)
  • Coverage
tile floors
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No General & Temporary Condition of Flood Decision Upheld
The policyholder appeals the denial of no general condition of flood and damage to their stucco wall and garage. (Eligibility)
  • Eligibility
flood loss
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No General and Temporary Condition of Flood Decision Overturned
The policyholder appeals the denial due to no general condition of flood. (Eligibility. Coverage.)
  • Coverage
  • Eligibility
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No General and Temporary Condition of Flood Decision Upheld
The policyholder appeals the denial for building property due to no direct physical loss by of from flood. (Eligibility. Coverage.)
  • Coverage
  • Eligibility
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No General and Temporary Condition of Flood Decision Upheld
Description: The policyholder appeals the denial for building property due to no direct physical loss by of from flood. (Eligibility. Coverage.)
  • Coverage
  • Eligibility
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No General and Temporary Condition of Flood Mold Moisture or Mildew Decision Upheld
The policyholder appeals the denial for no general condition of flood. (Eligibility. Coverage)
  • Coverage
  • Eligibility
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Related Resources

Understanding Coverage Decisions (New)