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Three complex flood insurance questions answered

Coverage Q&A: Both Federal Emergency Management Agency (FEMA) and National Flood Insurance Program (NFIP) form language can impact claims.

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There are different and varied perils related to flood waters, such as 'overflow of rivers.' The details related to a particular flood claim may impact whether that loss is covered by insurance. (Photo: Shutterstock) There are different and varied perils related to flood waters, such as ‘overflow of rivers.’ The details behind a particular flood claim may impact whether that loss is covered by insurance. (Photo: Shutterstock)

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Question: We have a condominium with the attached Howsoever Caused Endorsement, and the insurance company is denying them flood coverage. They are not allowing this because it was not named a flood by Federal Emergency Management Agency (FEMA), although it was a national disaster.

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