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How-to · Consumer help

Appeal a denied National Flood Insurance Program claim

Appeal a denied NFIP flood-insurance claim to FEMA within 60 calendar days of the date on the denial letter.

Steps

2 steps
  1. Ask the insurer about the denialDiscuss overlooked facts, documents or mistakes with your adjuster or insurer without missing the appeal deadline.
  2. Prepare and send the appealUse FEMA’s claim appeal form, explain the disputed issues, and attach the denial letter and supporting evidence. Follow the official page’s mail or email instructions and preserve proof of timely submission.
Completing an appraisal prevents a FEMA appeal. Filing suit also forfeits that appeal option. An appeal does not extend the one-year period for filing suit.

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