Section VII. General Conditions - Concealment or Fraud and Policy Voidance

With respect to all insureds under the SFIP, the SFIP...

  • Is void
  • Has no legal force or effect
  • Cannot be renewed
  • Cannot be replaced by a new NFIP policy if, before or after a loss, you or any other insured or your agent have at any time
  • Intentionally concealed or misrepresented any material fact or circumstance
  • Engaged in fraudulent conduct, or
  • Made false statements relating to the policy or any other NFIP insurance
Graphic of NFIP Policy Dwelling Form cover with VOID stamped on it in capital letters
A pencil writing across paper.

Adjuster Tip: The adjuster should report any relevant facts to the insurer on the Narrative Report.