U.S. Department of Homeland Security
500 C Street, SW
Washington, DC 20472
Appealing Your Flood Insurance Claim
National Flood Insurance Program
The National Flood Insurance Program (NFIP) provides you with a process to appeal
decisions regarding your flood insurance claim.
After you receive your adjuster’s estimate, you may have questions or concerns, or need further
explanations of decisions that have been made, especially with regard to coverage or the dollar
amount of damages. An appeal will help you resolve claim issues, but it cannot give you added
coverage or extend claim limits beyond those in your NFIP policy.
Steps to Appealing your Claim
1. Talk with your adjuster
Talk with your adjuster first, who has more knowledge about your claim than anyone. They can
help explain certain decisions regarding, for example, what is or isn’t covered, or your damage
If you are not satisfied with the adjuster’s answers, or do not agree with decisions, get contact
information for the adjuster’s supervisor.
2. Contact your insurance company
If the adjuster’s supervisor can’t resolve your issues, contact your insurance company’s claim
representative. Ask your insurance agent or your insurance company representative for assistance
(Please refer to the attached list for a contact number for your insurance company).
3. Contact FEMA
If you still have questions or concerns after following steps one through three, contact the Federal
Emergency Management Agency (FEMA).
Federal Emergency Management
Agency-Mitigation Division-Room 433
Risk Insurance Branch
ATTN: Director of Claims
500 C Street, S.W.
Washington, D.C. 20472
If you discover additional damage after
filing a claim, contact your insura