Important SFIP Coverage Notes
Common SFIP coverage concepts, including direct physical loss, matching, exterior items, and restricted areas.
Direct Physical Loss by or From Flood
- Under the SFIP, coverage is limited to documented direct physical loss by or from flood.
- Repairs, replacements, cleaning, drying, and contents claims should be tied to floodwater contact or flood-caused damage.
No Automatic Matching
- The SFIP does not pay to replace undamaged property solely to achieve a match in appearance, brand, model, or compatibility.
- Example: if floodwater damages an exterior condenser or heat pump but the interior air handler or furnace is not flood-damaged, only the flood-damaged component is evaluated for payment, even if compatibility or manufacturer recommendations suggest replacing both.
To download this guide as a PDF, click the button and choose “Save as PDF” in your browser’s print options.
Coverage / License 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. Unauthorized copying, resale, redistribution, or commercial use is prohibited.