Under normal circumstances when flooding is not severe, the National Flood Insurance Program (NFIP) requires a policyholder to send the insurer a complete, signed, and sworn-to proof of loss within sixty (60) days after the date of loss. However, when flooding is extensive, the time period may be extended by FEMA pursuant to 44 C.F.R §61.13 (d). For certain August, 2016 Louisiana flooding, FEMA granted a 60 day extension and is now granting a second 60 day extension.
To allow policyholders additional time to finalize their claims, FEMA issue an additional limited waiver of the 60-day proof of loss requirement by extending the period another 60 days. With this extension, a National Flood Insurance Program (NFIP) policyholder will have a total of 180 days following the date of loss to provide the completed, signed, and sworn-to proof of loss to the insurer. This waiver is issued pursuant to 44 CFR § 61.13(d) and the SFIP. This waiver does not alter any other terms or conditions of the NFIP.
The limited waiver applies to all NFIP claims associated with FICO Number 679,4 whether the NFIP issued the policy directly or through the Write Your Own (WYO) Program.