The Flood Insurance Advocates office was mandated by congress to be “an advocate for NFIP policyholders”.


There is no mention on the fraud and underpayment of claims.  That over 10,000 Sandy Survivors are still not paid on their claims.  That it cost over half a billion dollars to review the claims that were awarded $350 million dollars.  Not one person in NFIP or FEMA has been fired yet.


There is no one inside FEMA or NFIP that is “looking out” for policyholders.


There needs to be a true Advocates Office that is funded outside FEMA and that does not report to FEMA and NFIP.


Read the full report here.  Flood Insurance Advocate 2016 report (1)



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