Claims Loss Runs

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A Claims Loss Run, also known as Flood Loss History, is a comprehensive report detailing all flood-related claims associated with a specific property. This report includes information such as the date of each loss, the amount paid, and the nature of the damage. Access to this information is crucial for evaluating a property's flood history and potential future risks.

Due to federal privacy laws, the NFIP restricts access to flood loss histories to protect individual privacy. The following individuals are authorized to request this information:

• Current Property Owners: Individuals who own the property in question.
• Insured Tenants: Tenants who have held flood insurance policies for the property.
• Previous Claimants: Individuals who have filed flood claims for the property in the past.

Third parties, including prospective buyers or agents without ownership or prior claim involvement, are generally not permitted to access this information directly.

Request Flood Loss History

To request a flood loss history from the NFIP, follow these steps:

1. Prepare a Written Request: Include the following details:
   • Full Name: Your legal name.
   • Property Address: The complete address of the property in question.
   • Return Address: Where the NFIP should send the response (if different from the property address).
   • Telephone Number: A contact number for any follow-up.
2. Provide a Statement of Ownership or Tenancy: Certify your association with the property. This statement must be either:
   • Notarized: Signed in the presence of a notary public.
   • Certified Under Penalty of Perjury: Include the following declaration: This certification is in accordance with 28 U.S.C. § 1746, allowing unsworn declarations under penalty of perjury as a substitute for notarization.
3. Submit the Request:
   • Email: Send the signed request to fema-fmix@fema.dhs.gov.
   • Mail: Address the request to:

The NFIP processes requests in the order received, typically within 7-10 business days. Processing times may vary based on the complexity of the request and the need for additional research.

Use this blank form that was created by Monroe County, Florida.

Additional Resources

For further assistance or inquiries regarding flood loss histories, contact the NFIP:

• Phone: (877) 336-2627
• Online Chat: FEMA Flood Map Service Center

Understanding a property's flood loss history is vital for assessing flood risk and making informed decisions about flood insurance and property transactions. By following the NFIP's procedures, authorized individuals can access accurate and comprehensive loss run information.

This page contains information about the NFIP. Find more NFIP Resources.