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 71 - 80 of 89
No General Condition of Flood Decision Upheld
The policyholder appeals the denial for no general condition of flood. (Eligibility)
  • Eligibility
drying mitigation
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No General Condition of Flood Decision Upheld
The policyholder appeals the denial for no general condition of flood. (Eligibility)
  • Eligibility
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No General Condition of Flood Earth Movement Decision Upheld
The policyholder appeals the decision of no general condition of flood and earth movement. (Eligibility. Coverage.)
  • Coverage
  • Eligibility
earth movement
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No General Condition of Flood Mold, Moisture, and Mildew Upheld
The policyholder appeals the denial for no general condition of flood. (Eligibility)
  • Eligibility
house with water
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No General Condition of Flood Upheld
The policyholder appeals the denial due to no general condition of flood. (Eligibility)
  • Eligibility
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No General Condition of Flood, Earth Movement, and No Direct Physical Loss Upheld
The policyholder appeals the denial due to no general condition of flood and earth movement. (Eligibility. Coverage.)
  • Coverage
  • Eligibility
Earth Movement
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Other Insurance Multiple Perils Decision Upheld
The policyholder appeals the denial for failure to prove their loss. (Coverage)
  • Coverage
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Other RCBAP Decision Upheld
The policyholder appeals the denial of building items under their unit owner policy. (Eligibility)
  • Eligibility
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Overhead and Profit Decision Overturned
The policyholder appeals the denial for additional supervision and other economic losses. (Scope. Price.)
  • Price
  • Scope
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Policy Renewal Decision Overturned
The policyholder appeals the denial for non-renewal of policy. (Eligibility)
  • Eligibility
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Related Resources

Understanding Coverage Decisions (New)