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 81 - 89 of 89
Prior Flood Damages Personal Property Outside Covered Building Decision Upheld
The policyholder appeals the denial for flood-related damages not repaired or replaced after a prior flood event and personal property outside of a covered building. (Coverage)
  • Coverage
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Proof of Loss Decision Upheld
The policyholder appeals the denial for failure to prove their loss and seeks payment for building damages and the water mitigation estimate (scope, price).
  • Price
  • Scope
proof of loss
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Proof of Loss Decision Upheld Additional Payment
The policyholders appeals the denial of their request for additional payment. (Scope, Price)
  • Price
  • Scope
flooding
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Proof of Loss Decision Upheld Personal Property
The policyholder appeals the denial of coverage for personal property items. (Coverage)
  • Coverage
proof of loss
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Repair or Replace Prior Flood Damages Decision Overturned
The policyholder appeals the denial for flood-related damages not repaired or replaced after a prior flood event. (Coverage)
  • Coverage
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Repair or Replace Prior Flood Damages Decision Overturned
The policyholder appeals the denial for flood-related damages not repaired or replaced after a prior flood event. (Coverage)
  • Coverage
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Repair or Replace Prior Flood Damages Decision Upheld
The policyholder appeals the denial for flood-related damages not repaired or replaced after a prior flood event. (Coverage)
  • Coverage
flood
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Repair or Replace Prior Flood Damages Decision Upheld
The policyholder appeals the denial for flood-related damages not repaired or replaced after a prior flood event. (Coverage)
  • Coverage
flood
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Request for Additional Payment Decision Upheld
The policyholder appeals the denial for the request of an additional payment due to the failure of proving their loss. (Scope. Price.)
  • Price
  • Scope
payment
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Related Resources

Understanding Coverage Decisions (New)