Cummings v. Fidelity National Indemnity Insurance

JAMES E. GRAVES, JR., Circuit Judge: *

The issue before the court is whether Plaintiff and Appellee, Elvin Cummings, is entitled to recover damages pursuant to his National Flood Insurance Program (“NFIP”) Standard Flood Insurance Policy (“SFIP”). The district court entered a judgment in favor of Cummings. For the following reasons, we REVERSE.

BACKGROUND

In August 2012, Hurricane Isaac caused damage to Cummings’s home in LaPlace, Louisiana: Thereafter, Cummings submitted a flood loss claim to the Defendant-Appellant, Fidelity National Indemnity Insurance Company (“Fidelity”), who assigned an…