FEMA won't help

People expecting help simply won't get what they expect.....

Claims paid out by the Federal Emergency Management Agency [[FEMA)
— are separate – from payments made by National Flood Insurance Program [[NFIP)

Rainwater flooding OVERground on land is very very very different
from Sewer Drain flooding UNDERground via piping.

FEMA officials acknowledge sewer backups
are not covered under the insurance program
http://www.fema.gov/disaster/4195
Water entering your house from sewer pipes
is not “flooding” under the official
federal insurance definition.

National Flood Insurance Program [[NFIP).
http://www.fema.gov/media-library/as...ts/272?id=1404

Quote:

---

Originally Posted by Willi

People expecting help simply won't get what they expect.....

Claims paid out by the Federal Emergency Management Agency [[FEMA)
— are separate – from payments made by National Flood Insurance Program [[NFIP)

Rainwater flooding OVERground on land is very very very different
from Sewer Drain flooding UNDERground via piping.

FEMA officials acknowledge sewer backups
are not covered under the insurance program
http://www.fema.gov/disaster/4195
Water entering your house from sewer pipes
is not “flooding” under the official
federal insurance definition.

National Flood Insurance Program [[NFIP).
http://www.fema.gov/media-library/as...ts/272?id=1404

---

you need a sewage overflow rider for that.

Thats why the big hooplah over FEMA funding becoming available isn't ""that"" special,
---even if they have a policy with National Flood Insurance Program [[NFIP).
MOST ordinary folks will not be helped with federal tax monies

Attachment 24491

Quote:

---

Originally Posted by Willi

People expecting help simply won't get what they expect.....

Claims paid out by the Federal Emergency Management Agency [[FEMA)
— are separate – from payments made by National Flood Insurance Program [[NFIP)

Rainwater flooding OVERground on land is very very very different
from Sewer Drain flooding UNDERground via piping.

FEMA officials acknowledge sewer backups
are not covered under the insurance program
http://www.fema.gov/disaster/4195
Water entering your house from sewer pipes
is not “flooding” under the official
federal insurance definition.

National Flood Insurance Program [[NFIP).
http://www.fema.gov/media-library/as...ts/272?id=1404

---

Maybe, maybe not.

My damage was from backed up sewer. But I know plenty of people who called explaining that it was flood water coming from outside, and their insurance companies didn't cover.

It'll be a case by case basis, I think.

Since Oakland County used the ABOVE GROUND drain of the Red Run aka Clinton River
I'm super curious how a legal team might interpret the law

Attachment 24492

Attachment 24493

Get the flood maps updated - LOMC = Letter of Map Change

Attachment 24497
Attachment 24498