re: Flood Insurance Fraud Story-You aren't going to believe this one.

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Also did Tom ever get proof of coverage?

I got all proofs and forms about a week after closing.

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My thoughts exactly. Flood insurance is paid in full, annually, never via escrow. If his flood premium was indeed included in the closing settlement, he should have received his certificate of coverage/copy of policy from the federal flood insurance program. When he did not receive a copy of those docs, he should not have assumed he was covered. He should have followed up, asked questions, and made damn sure that his money ended up where it was supposed to go.

He needs an attorney, stat. But he's not insured, and he should start his flood cleanup, planning, and apply for FEMA assistance just like every other uninsured person. Don't look for a legal remedy to be swift or complete, and don't let any thoughts of legal action derail him doing what he currently needs to do as an uninsured, flooded homeowner.