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 has chosen to grant an extension because it found that properties insured by the National Flood Insurance Program (NFIP) in the State of Louisiana experienced significant flood losses as a result of a severe mid-summer storms beginning August 9, 2016 through August 31, 2016. FEMA/NFIP further found the impact of this extensive flooding may delay the claims process for many NFIP policyholders, and NFIP policyholders may encounter difficulties filing a timely proof of loss for claims arising from this event.
Accordingly, the NFIP is allowing policyholders a total of 120 days following the date of loss to provide the completed, signed, and sworn-to proof of loss to the insurer. For more information about the extension see the full announcement at WYO Company Bulletin W-16067.