Al Cohen v. Allstate Insurance Company

JERRY E. SMITH, Circuit Judge:

*778 Al Cohen sued Allstate Insurance Company ("Allstate") and its agent, Rachael Ray, for breach of contract after Allstate refused to pay a claim for flood damage. Finding no error, we affirm a summary judgment.

I

Congress enacted the National Flood Insurance Act of 1968 ("NFIA") "to make flood insurance available on reasonable terms and to reduce fiscal pressure on federal flood relief efforts." Campo v. Allstate Ins. Co. , 562 F.3d 751 , 754 (5th Cir. 2009). NFIA established the National Flood Insurance Program ("NFIP"), 2 which permits private insurers, such as…