I have an NFIP policy for my flood damaged Colorado home. FEMA sent me a check today for the amount that the adjuster requested. The check is the bottom portion of a letter. The letter says "Final flood claim payment for building loss". The check itself, however doesn't say 'final' anywhere. One of the tips on your website is to NOT sign a check that says 'final'. What about when the letter says final but the check doesn't? Thanks.

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.