How To File A Flood Claim Pt 4

Dated: 09/18/2017

Views: 15

NOTE FOR HURRICANES HARVEY AND IRMA POLICYHOLDERS: The initial Proof of Loss requirement is being waived. When the adjuster visits and assesses your flood damage, he/she will work with you to document your claim, and submit a report for consideration to the insurance company. The payment amount will be determined after the insurer reviews the report. However, you will need a Proof of Loss (deadline to submit is one year from the date of the flood loss) if you find additional flood damage; if you disagree with what the insurance company pays you; or if your contractor's estimate is more than the estimate on the initial report sent to the insurance company.

The below information discusses how the NFIP ordinarily uses POLs. The below is NOT the process being used for Hurricanes Harvey and Irma.

Your adjuster may assist you in preparing a Proof of Loss (which is your sworn statement of the amount you are claiming including necessary supporting documentation) for your official claim for damage. A Proof of Loss can be many things, but must contain the specific details set forth in the Standard Flood Insurance Policy. You'll need to file your Proof of Loss with your insurance company within 60 days of the date of loss.

You'll receive your claim payment after you and the insurer agree on the amount of damage and the insurer has your complete, and signed Proof of Loss. If major catastrophic flooding occurs, it may take longer to process claims.

Note: Signing a Proof of Loss does not waive your rights to file for additional claim payments in the future if additional damage is discovered.

Note: The requirement to file the Proof of Loss could be waived by FEMA depending on the severity of the event. Your adjuster or insurance company will let you know if this happens.



Information is from https://www.fema.gov/nfip-file-your-claim

Blog author image

Jenny Rutherford

Meet Jenny Rutherford Jenny Rutherford Real Estate, LLC. Where did you grow up? I grew up on a farm at the base of the Blue Ridge Mountains in Virginia. I've lived in several states, including Virgi....

Want to Advertise on this Site?

Latest Blog Posts

NEW LISTING ON TYBEE Will Sell Quickly At 349k

JUST HIT THE MARKET! 128 Lewis Ave, Tybee Island, GA 31328Tidal Creek Marsh View 3BR/2BA 1152sqft  1 Story HomeThis Incredible Home is Turn-key, Completely Remodeled and Shows

Read More

HURRICANE SEASON IS OFFICIALLY JUNE 1 To NOVEMBER 30

HURRICANE SEASON: HURRICANE SEASON IS OFFICIALLY JUNE 1 – NOVEMBER 30Here are some helpful tips from the City of Tybee Island's New Resident Guide!! Wanted to share these here for my friends and

Read More

Property Tax Sticker Shock A Closer Look By Jason Combs

Great read and behind the scenes of what is happening at the Board of Assessor's office. Pay attention to your Property Record Cards and assessments!Property tax sticker shock: A closer look By

Read More

OPEN HOUSE 2534 Whitemarsh Way Savannah GA 31410

OPEN HOUSESUNDAY 6/3/18FROM 1:00 TO 4:00 PM2534 Whitemarsh WaySavannah GA 314103Br/2Ba 1426Sqft CondoFor Sale $179,000 Call Buyers Agent Linda&

Read More