If your home or property sustained flood damage during Hurricane Helene, it’s important to know that you have 98 days left to file your Sworn Proof of Loss (POL) for your flood insurance claim. Under the National Flood Insurance Program (NFIP), policyholders are typically required to submit this form within 60 days of the flood event. However, in certain situations, such as following a large-scale disaster, extensions are sometimes granted. Filing within the required timeframe is essential to avoid having your claim denied. Elevate Legal Services, PLLC, a trusted name in storm damage claims, is here to help homeowners and businesses navigate the complexities that arise after such unprecedented weather events. Contact us at 561-770-3335 or [email protected] for expert assistance if you’ve been affected.
Here’s a breakdown of the process and how to ensure smooth filing:
1. What is Sworn Proof of Loss?
A Sworn Proof of Loss is a formal document, signed under oath, that provides a detailed account of the flood damage and the amount you’re claiming under your insurance policy. The form must be supported by evidence such as photographs, repair estimates, receipts, and other documentation that verifies the losses incurred. Filing this form late or incorrectly can lead to the denial of your claim, regardless of the extent of the damage.
2. Steps to File Your Sworn Proof of Loss
To ensure a successful claim, follow these steps:
- Document the Damage: Take detailed photos and videos of all affected areas of your property. Capture both structural damage and personal belongings that were impacted, and make sure to photograph water lines showing how high the floodwaters reached.
- Get Repair Estimates: Contact a licensed contractor or insurance adjuster to assess the damage and provide an estimate for repairs. Include these estimates in your Proof of Loss documentation.
- Gather Receipts and Records: If you’ve already completed temporary repairs or replaced any items, make sure to keep receipts, invoices, and records to demonstrate your expenses. This can include costs for materials, repairs, or even temporary lodging.
- Complete the Proof of Loss Form: Use the form provided by your insurance company. Ensure every field is filled out accurately, including your policy number, the total amount claimed, and a thorough description of the damage.
3. Why Filing On-Time Matters
Failing to file your Proof of Loss within the required timeframe can result in your claim being denied, even if the flood damage is extensive. While Hurricane Helene survivors may have been granted an extension, acting promptly is critical. 98 days may seem like plenty of time, but delays in gathering documentation can easily lead to missing the deadline. Ensure your form is submitted on time to avoid losing your chance at coverage.
4. Hiring a Public Adjuster or Attorney
If you’re feeling overwhelmed or uncertain about the filing process, it may be worthwhile to hire a public adjuster or an experienced flood insurance attorney. These professionals can help ensure that all necessary documents are collected, your claim is accurately filed, and you receive the compensation you’re entitled to. They also have experience negotiating with insurance companies to avoid delays or disputes over your claim.
5. The Importance of Accuracy
Accuracy is crucial when filing your Sworn Proof of Loss. Errors in calculating damages, missing documentation, or incorrect details can lead to delays or even denial of your claim. Double-check all figures, descriptions of damage, and supporting documents before submission. The more precise your filing, the smoother your claims process will be.
Conclusion
With 98 days left to file your Sworn Proof of Loss for flood damage caused by Hurricane Helene, it’s important to act quickly and efficiently. Document the damage thoroughly, gather all necessary records, and consider seeking professional assistance if you need help with the process. Filing your Proof of Loss correctly and on time is your best chance to secure the compensation needed to recover from the flood.
If you need guidance on filing an insurance claim, reach out to Elevate Legal Services, PLLC, for a free consultation. We work on a contingency basis, meaning you don’t pay unless we win your case. Call us today at 561-770-3335 or email [email protected] to ensure you receive the full compensation you’re entitled to.
