Tag Archives: National Flood Program

Electronic Signatures for Flood Proofs of Loss

On March 28, 2017, the Assistant Administrator for Federal Insurance, Federal Insurance and Mitigation Administration, issued a memorandum to Write Your Own (WYO) Company Principal Coordinators, NFIP Direct, and Independent Adjusters, titled “WYO Company Acceptance of Electronic Signatures” (W-17008).… Continue Reading

Where Do I Mail the Signed NFIP Proof of Loss?

At the Florida Association of Public Insurance Adjusters (FAPIA) Fall Conference last week, I was speaking with a public adjuster about the impeding 60-day deadline for his clients to submit their signed, sworn, proofs of loss for Hurricane Matthew flood claims. For public adjusters who have not handled many flood claims in the past, this … Continue Reading

FEMA to Revise NYC Flood Maps

If you’re a property owner in New York City, you already know the high cost of insurance in the city. If you have a mortgage on your property, you also know that property owners in a high flood-risk zone are required to purchase flood insurance. In October, FEMA announced it will revise its flood maps … Continue Reading

Bad Faith Finding in NFIP Flood Case

It is the general understanding when one brings a lawsuit on a flood claim under the National Flood Insurance Program (NFIP) that the only recovery available to the policyholder is actual damages. The policyholder is not entitled to attorney fees or bad faith (extra-contractual) damages, which might be recoverable in other first-party property damage cases. … Continue Reading

Flood Insurance Rates Increase Today

It’s not an April Fools’ joke; flood insurance premiums will begin to increase today. The increased premiums are happening now as part of the Flood Insurance Relief Bill that was signed last year in response to the increased flood premiums that were being sent to policyholders under the Biggert-Waters Flood Insurance Reform Act of 2012.… Continue Reading

So I Have A Boat In My Front Yard Following Super Storm Sandy; Will My Flood Insurer Cover The Removal Of It And Other Non-Owned Debris? – Part 3

A common scenario after Sandy was that folks ended up with all sorts of debris scattered across their properties that had been deposited by the powerful storm. Things like boats, docks, parts of structures and plants and sand were left everywhere and were in need of removal at sometimes substantial costs. So it would stand … Continue Reading

Kieserman Appointed to Lead FEMA Superstorm Sandy Investigation of WYO Claims Handling

My father was in the United States Coast Guard and eventually rose to the rank of Rear Admiral. So, I was happy to learn that FEMA’s Craig Fugate appointed a distinguished former Coast Guard Officer, Brad J. Kieserman, to investigate what has been going on regarding WYO insurance claims practices. Here’s an official, and good … Continue Reading

FEMA and NFIP Spell Out What’s Required to Issue Payment on Flood Claims

On November 20, 2014, the Federal Emergency Management Agency (“FEMA”) issued Write Your Own (“WYO”) Bulletin W-14058 which addresses FEMA and the National Flood Insurance Program’s (“NFIP”) requirements to issue payment on flood claims. The Bulletin, entitled, Clarification on: 1) Application of the Dwelling Form Loss Settlement Clause; 2) Use of Flood Insurance Claims Proceeds; … Continue Reading

Attorney Professionalism, Honest Candor and the Battering of Sandy Flood Policyholders

Attorney professional conduct, courtesy and honest candor were significant and possibly overlooked aspects in Magistrate Judge Gary Brown’s Raimey v. Wright National Flood Insurance Company Memorandum & Order. The press has picked up on the case highlighting the altered engineering report.1 I also highlighted these aspects of the case in Altered Engineering Reports Must Be Disclosed … Continue Reading

Are Baseless and Outcome Oriented Engineering Opinions the Normal State of Affairs in Property Insurance Investigation?

In Altered Engineering Reports Must Be Disclosed – Sandy Flood Judge Requires Transparency, I noted Raimey v. Wright National Flood Ins., No. 14-CV-461 (E.D.NY Nov. 7, 2014), where Magistrate Judge Gary R. Brown specifically cited findings that insurance company engineering reports are routinely altered under a process dubbed “peer review.” A summary of those findings show … Continue Reading