For any denial of payment, in whole or in part, which you are disputing, three options remain:

1. You may send an amended Proof of Loss with supporting documentation back to the claim examiner; see STEP 8
2. You may submit a formal Appeal to FEMA
   
   • A written Appeal letter must be sent to FEMA within 60 days of your insurer's denial letter, along with a copy of the denial letter and the documentation you have to support your Appeal.
3. You may file a lawsuit against your insurer
   
   • A lawsuit must be filed within one year of your insurer's first written denial letter and only in U.S. District Court in the district where the property is located at the time of the loss ➢ However, once you file a lawsuit, you may no longer appeal your claim to FEMA or file an amended Proof of Loss with your insurer