If your property was impacted by flood damage during Hurricane Milton, the clock is ticking—you now have 51 days left to submit your Sworn Proof of Loss (POL) to your flood insurance provider. This document is crucial in the National Flood Insurance Program (NFIP) claims process, as it officially documents the amount of flood-related damage and the compensation you’re claiming. Missing the deadline could result in denial of your claim, so swift action is essential.
At Elevate Legal Services, PLLC, we specialize in assisting policyholders with complex federal flood insurance claims. This guide will walk you through the process of making a claim after Hurricane Milton and what to do if your claim has been denied or underpaid. Contact us at 561-770-3335 or email [email protected] for expert assistance with your claim.
What is Sworn Proof of Loss?
A Sworn Proof of Loss (POL) is a signed, notarized document that verifies the total amount you’re claiming for flood damage under your insurance policy. It must be accompanied by detailed documentation such as repair estimates, photographs, receipts, and proof of ownership for damaged items. Filing this form is mandatory for NFIP claims, and accuracy is critical to ensure your claim is approved.
Steps to File Your Sworn Proof of Loss
To ensure a successful filing, follow these steps:
1. Document the Damage Thoroughly
As soon as conditions allow, take clear photos and videos of all flood damage, including:
- Structural damage: Capture damaged walls, floors, ceilings, and other affected areas.
- Personal belongings: Photograph water-damaged furniture, electronics, appliances, and other items.
- Water lines: Document visible water lines on walls to demonstrate the height of the floodwaters.
- Exterior damage: Include outdoor areas like driveways, garages, and landscaping.
These visuals are critical in substantiating your claim and showing the true extent of the damage.
2. Keep Receipts and Invoices
Gather receipts for any expenses related to flood recovery, including:
- Emergency repairs
- Clean-up services
- Temporary housing costs
- Replacement of essential items
If you’ve hired contractors or other professionals for assessments or repairs, ensure you retain all invoices and service documentation. These records will help establish the financial value of your claim.
3. Obtain Professional Repair Estimates
In addition to documenting the damage, obtain repair estimates from licensed contractors or professionals. These estimates will give an accurate reflection of the costs required to restore your property to its pre-flood condition.
4. Complete and Submit the Proof of Loss Form
Once all documentation is gathered, complete the Sworn Proof of Loss form provided by your insurer. Be sure to include all necessary details, such as:
- Your policy number
- The total amount claimed
- Descriptions and estimates of all damage
Submit the completed form to your insurer as soon as possible. Remember, you have only 51 days left from today to meet the NFIP’s deadline.
Why Filing on Time Is Essential
Under NFIP guidelines, the Sworn Proof of Loss must be submitted within 60 days of the flood event, though extensions may be granted in certain circumstances. Failing to submit your form on time, or submitting an incomplete form, could result in the denial or underpayment of your claim.
Consider Professional Assistance
Filing a flood damage claim can be a complex and overwhelming process. If you’re unsure about any aspect of filing your claim, consider hiring a public adjuster or flood claims attorney to ensure everything is done correctly. These professionals can help by:
- Organizing documentation and ensuring everything is accounted for.
- Completing the Proof of Loss form accurately and comprehensively.
- Negotiating with your insurance company to secure the maximum payout.
Final Thoughts
With only 51 days remaining to file your Sworn Proof of Loss for damage caused by Hurricane Milton, time is of the essence. Start documenting your damage, collecting receipts, and consulting with professionals to prepare your claim as quickly as possible. Filing on time—and accurately—greatly improves your chances of receiving the full compensation you deserve, helping you recover and rebuild after the storm.
If you feel overwhelmed by the process or want to ensure your claim is strong, consult with an experienced flood claims professional for guidance. Proper documentation and timely filing are key to getting the payout you need to rebuild your home and life after Hurricane Milton.
Contact Us Today for a Free Consultation
If you need help with your flood damage claim, reach out to Elevate Legal Services, PLLC, today at 561-770-3335 or email us at [email protected] for a free case evaluation. Our experienced attorneys are skilled in navigating the complexities of the National Flood Insurance Program (NFIP) and will ensure you receive the full compensation you deserve.
Don’t let the flood damage from Hurricane Milton become a financial burden—let us guide you through the recovery process and help you rebuild.
