The National Flood Insurance Program (NFIP) is different from commercial insurance because all claims are paid from the treasury of the United States.
For that reason the NFIP is strictly construed by the federal courts.
In Harris v. Nationwide Mutual Fire Insurance Co., the U.S. Court of Appeals for the Sixth Circuit was called upon to resolve a dispute relating to the priorities and federal preemption required of claims against an NFIP policy.
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