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Flood Insurance

Actual Cases

Thousands of complaints regarding flood insurance claims have been received. In most cases, victim’s initial settlement offers were woefully inadequate to restore their covered loss.


In the case of Hurricane Isabel, in many cases many months elapsed between the storm and the arrival of settlement checks. As of September 2004, fifty weeks after the storm, countless victims remain homeless and without reimbursement they are entitled to. As a result many victims remain imprisoned in campers without a clothes washer, dryer, dishwasher, or basic essentials for daily living. Families have been forced to scrape by in conditions far below the poverty line. In some cases five or more people have been living in FEMA campers small enough to fit in a one car garage.


Many complaints include initial settlement offers in the range of thirty cents on the dollar. After much effort, the settlement offer usually rises to between sixty and seventy cents on the dollar.


Next, the victim receives a letter suggesting they file suit in federal court. In many cases, victims have sought legal counsel only to be told relief will be at least two years away. And, many victims have been told they will not be entitled to receive punitive damages or legal fees. The result is victims are told that 1/3 of their recovery will be kept by their attorneys. Ultimately, many victims have been advised to settle for sixty cents on the dollar.


Fortunately, femaINFO.us has found relief outside of the courts. We have used publicly available information, information received from industry insiders, help from elected officials and FEMA officials as well to obtain fair settlements.

Several actual results are as follows:

Initial Proof of Loss Final Settlement Number of Offers

femaINFO.us has many such examples and will make them available as time permits.

Last Modified: 090404 1230




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Wilma, Rita, Katrina, Ivan, Frances, Charley, Alex, Jeanne, Isabel Victims Insurance Claims Related Problems? Click here for the information you can use to help you receive a fair settlement.

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