Official Linked Source Summary
Summary of the FEMA/NFIP links contained in the uploaded guidance emails and how they were folded into FloodPath content.
What Was Pulled From the Linked Guidance Sources
Your uploaded guidance emails included several FEMA/NFIP links. This page turns those linked sources into plain-language FloodPath guidance points and keeps the official links available for insureds and adjusters.
| Linked source | FloodPath content use | Official link |
|---|---|---|
| NFIP Claims Handbook | Used for GCF/flood definition, post-flood immediate actions, personal property documentation, building damage documentation, RAP/additional payment documentation, and ICC overview language. | Open Claims Handbook |
| FEMA policyholder forms page | Added as a direct reference for fillable policyholder forms an adjuster or insurer may need. | Open policyholder forms |
| ICC brochure / FEMA ICC page | Used to support the ICC guide and form acknowledgement language, including substantial damage/repetitive loss concepts and the role of the local community official. | Open ICC brochure Open FEMA ICC page |
| Dwelling SFIP | Linked for residential SFIP policy language, including basement and Post-FIRM elevated restrictions. | Open Dwelling SFIP |
| General Property SFIP | Linked for commercial/General Property policy reference and commercial claim guidance support. | Open General Property SFIP |
| FEMA Bulletin W-13025A | Used for mitigation/drying guidance, including tear-out, cleaning/sanitizing, HVAC restoration, drying logs, basement/crawlspace limitations, and non-payable related equipment considerations. | Open W-13025A |
| FEMA basement fact sheet | Used to improve basement coverage guidance, including the basement definition, limited covered basement building items, limited basement contents, and excluded property categories. | Open basement fact sheet |
Plain-Language Guidance Added From Those Links
- Flood definition: Flood generally requires a general and temporary condition of inundation over two or more acres or two or more properties, one of which is the insured property, from overflow, unusual/rapid accumulation or runoff, or mudflow.
- After a flood: Insureds should act quickly, protect the property from further damage, photograph damaged food/contents/building areas, keep receipts, and document cleanup and repairs.
- Contents documentation: Contents claims need photos, item descriptions, quantity, approximate age, manufacturer, cost information, and replacement support when available.
- RAP/additional payment: Additional payment requests should be supported by a Proof of Loss and detailed contractor cost documentation, and may require the adjuster/insurer to revisit or verify newly claimed flood damage.
- ICC: ICC depends on a community determination of substantial damage or repetitive damage and is separate from regular building damage payment.
- Basements: Basement coverage is limited to specific listed items, cleanup, and limited contents if contents coverage applies.
- Structural drying: FEMA W-13025A supports drying only when it relates to covered direct physical flood loss and requires careful documentation, especially when drying logs and professional mitigation charges are submitted.
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Coverage Disclaimer
FloodPath provides general claim communication and documentation guidance only. Field adjusters cannot approve/deny coverage or authorize payment. Final claim decisions are made only by the Carrier.