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Florida Woman’s Flood Insurance Claim Was Denied Due To This Unfair Loophole

Author Babs

Wow, this is very devastating and my heart breaks for her. ” Florida woman’s flood insurance claim was denied due to this unfair loophole!” In Florida, having flood insurance is a must. Hurricanes and tropical storms happen often and even if your area does not get hit directly, storm surge is very real. Hurricane Helene did not hit St. Petersburg directly but my living room got flooded. Danielle Jensen, who also lives in Pinellas County was affected by Tropical Storm Debbie in Early August. Jensen thought her home was protected because of the flood insurance that she had. She was shocked to find out that her claim had been denied.

Florida Woman Devastated After Finding Out Her Flood Insurance Claim Was Denied

Tropical Storm Debby came through Pinellas County in August of this year. Danielle Jensen believed her home was protected with flood insurance from the National Flood Insurance Program! She had every right to think that, seeing that she paid $8600 on a policy that was administered directly by FEMA. Sadly when she made her insurance claim, she later found out it was denied. How and why did this happen? How can someone be denied if they have an active policy?

Jensen told WFLA News Chanel 8 that after she filed the claim, insurance adjusters came through and denied it outright. It wasn’t denied because of her, but a prior loss report. The previous owner filed a flood insurance claim but did not complete the repairs after the payout. The serial numbers on appliances were the same from the previous insurance claim. This ended up leaving her family on the hook for close to $100k in damages.

There is one major problem with NFIP participating communities, and it is that federal law doesn’t require disclosure of a previous flood insurance claim or any of the outcomes. Any disclosure of claims and information without the consent of the claimant or current homeowner was seen as a violation on the privacy act. That is changing October 1st , when the new law goes into effect!

Shandra “Babs” Littleton is a member of the WiLD Squad. She’s originally from Detroit but has spent most of her “grown-up” life in Fort Myers, Florida where she graduated from Florida Gulf Coast University. Babs loves to write about everything from Tampa concerts, to WiLD murders that happened in Florida, and her favorite businesses.

What's Opened And Closed In Tampa Bay After Hurricane Helene

Tampa Bay wakes up grateful that the worst of Hurricane Helene missed us. While some are suffering from power outages and fallen trees, many people and businesses in the community are working hard to open back up. Here’s what we’ve seen open in Tampa Bay (so far). To be sure, call the business location near you to make sure they are still open.

Hurricane Helene has made landfall in Taylor Co, Florida about 10 miles WSW of Perry, FL as a Category 4 with winds of 140 mph.

Related: Safety Tips To Recover From A Hurricane

Please only leave if evacuation orders in your county have been lifted. Officials have asked residents to not attempt to drive through the high waters. If you MUST leave your shelter, drive slowly and be alert on the roadways. Make a full stop at any broken stoplights to avoid any accidents. 

Tampa Bay has seen some effects of storm surge in parts of Tampa, Clearwater, Tarpon Springs, St. Pete and more. Many businesses have decided to stay closed today due to flooded streets. Some have opened to provide hot meals to those without power. Here’s what we know is opened and closed in Tampa Bay for Friday, September 27. We will keep this post updated as we learn if more places have opened.

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