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.
Properly and timely filing the Proof of Loss (and any Supplemental Proof of Loss) and any necessary supporting documentation is critical for getting paid and for preserving a policyholder’s right to file a NFIP flood insurance lawsuit should he/she be shortchanged by the NFIP or flood insurance company on structure or content payments.
If you need help with preparing your flood insurance claim, your supplement claim or with filing a lawsuit against your flood insurer, please call me at 866-558-9151 or submit your inquiry online. Please be advised that you may be facing important legal deadlines so don’t delay.