NFIP Escapes Payment with Form Over Substance Rules: The Need for Reform of the National Flood Insurance Program
Property Insurance Coverage Law
MAY 6, 2025
A recent appellate decision in Woodland Villas Condominiums v. Wright National Flood Insurance Company 1 highlights a harsh reality for policyholders seeking to recover under the National Flood Insurance Program (NFIP).Strict compliance with federal procedural requirements, especially the federal proof of loss requirement, can override substantive claims for damages, even when there is no real … The post NFIP Escapes Payment with Form Over Substance Rules: The Need for Reform of the Nation
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