The National Flood Insurance Program is different from commercial insurance because all claims are paid from the treasury of the U.S. For that reason the NFIP is strictly construed by the federal courts.
Hurricane Matthew caused devastating inland flooding because of heavy rains across multiple states, including record rainfall amounts in parts of North Carolina.
Hurricane Matthew battered the coast of the southeastern U.S., leaving behind a trail of coastal destruction, wind damage and freshwater flooding that has claimed at least 19 lives.