by Amy Bach

The National Flood Insurance Program has showed strong leadership by granting UP's request to make it easier for households and businesses impacted by Harvey to get their insurance claims filed and paid fairly and on time.  The program operates under rules set by Congress.

The rules for NFIP claims are much more strict and technical than standard property insurance claims.  They say how and when you have to file your flood damage claim, how detailed it has to be, how quickly it can be paid, how long you have to appeal/challenge the NFIP's payment or denial, and an assortment of other limitations.  The rules have caused great frustration and economic pain to countless flood victims over the years, and cost the agency dearly in expert fees, bad publicity and litigation.

In light of the scale of Harvey's devastation, and lessons learned the hard way after Superstorm Sandy and Hurricane Katrina, the bulletin the program issued on September 3rd, 2017, is welcome news for impacted households and businesses in Texas. 

THANK YOU, NFIP leadership.

Disaster Specific: 

About The Blogger

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.