The National Flood Insurance Program (NFIP) is differentfrom commercial insurance because all claims are paid from thetreasury of the United States.

For that reason the NFIP is strictly construed by the federalcourts.

In Harris v. Nationwide Mutual Fire Insurance Co., theU.S. Court of Appeals for the Sixth Circuit was called upon toresolve a dispute relating to the priorities and federal preemptionrequired of claims against an NFIP policy.

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