When it comes to claims, the National Flood Insurance Program is in need of major legal reform that only Congress can address. The claims system is form over substance. When it comes to the stupid reasons insurance benefits can legally be disallowed, the National Flood Insurance Program is in a league by itself. The most recent example of how an entire flood claim for all damages can be denied is an innocuous letter denying part of the contents claim because photographs of some content items were not provided.1
Continue Reading All National Flood Insurance Letters Are Important—Technical Denials of Only a Part of a Claim Start the One-Year Time to File Suit
