National Flood Insurance Program: Greater Transparency and Oversight of Wind and Flood Damage Determinations are Needed
By Orice M. Williams (au)
Disputes between policyholders & insurers after the 2005 hurricane season highlight the challenges in understanding the cause & extent of damages when properties are subjected to both high winds & flooding. Questions remain over the adequacy of steps taken by the FEMA to ensure that claims paid by the National Flood Insurance Program (NFIP) cover only those damages caused by flooding. This report evaluates: (1) issues that arise when multiple insurance policies provide coverage for losses from a single event; (2) state regulators' oversight of loss adjusters; & (3) information that NFIP neglects to assess the accuracy of damage determinations & payments. Includes recommendations. Charts & tables.
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