STEWART, Circuit Judge:
After their southern Louisiana home was damaged by severe floods in May of 1995, appellants Roland Forman and Rosemary Forman pursued a claim for flood damages with the Federal Emergency Management Agency ("FEMA") under their FEMA-written Standard Flood Insurance Policy ("SFIP"). When their claim was denied for failure to file a Proof of Loss in a timely manner, appellants sued. The district court — faced with FEMA's unopposed motion...
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