Stoner v. Southern Farm Bureau Casualty Insurance

RILEY, Chief Judge.

Despite our sympathy for Mrs. Jennie Stoner’s loss, whose home of 50 years suffered significant damage from flooding of the White River in Phillips County, Arkansas, we must follow the law. Mrs. Stoner did not submit the one-page proof of loss form required by the federal standard flood insurance policy. See 44 C.F.R. pt. 61, app. A(1), art. VII(J)(4); Federal Emergency Management Agency (FEMA), Proof of Loss, Form No. 086-0-9 (Oct. 2010), available at http://www.fema.gov/ media-library-data/20130726-1601-20490-7838/086_0_9_previously_ff81_42.pdf. “When people seek benefits…