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.
For more information about the extension see the full announcement about the new deadline at WYO Company Bulletin W-16089.
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.