Anthony Migliaro purchased an SFIP from WYO carrier Fidelity for his New Jersey Property. In 2012, Hurricane Sandy damaged the property with flooding. The independent adjuster assessed the damage at $90,499.11 and Fidelity adopted the recommended amount. Five months later, Migliaro submitted a proof of loss for an additional $236,702.57. Fidelity sent a letter on July 15, 2013 titled “Rejection of Proof of Loss” which, in part, contained the language “this is not a denial of your claim.”