If Hurricane Helene caused flood damage to your property, you have 85 days left to submit your Sworn Proof of Loss (POL) form. This document is essential for processing your flood insurance claim, particularly if you’re covered under the National Flood Insurance Program (NFIP). Filing your POL-on time is critical to avoid delays or denials that could hinder your compensation. For guidance, reach out to Elevate Legal Services, PLLC, at 561-770-3335 or email [email protected].
What is Sworn Proof of Loss?
A Sworn Proof of Loss is a comprehensive statement verifying the flood damage to your property and the amount you’re claiming from your insurer. Required by flood insurance policies, this form includes itemized lists of damages, estimated repair costs, and supporting documentation such as photos, receipts, and repair estimates. Filing your POL within the 85-day window is crucial for keeping your claim on track.
Steps to Prepare and File Your Proof of Loss
1. Document All Damages Thoroughly
- Interior Damage: Photograph flooded floors, walls, ceilings, and any damaged furniture or personal belongings.
- Water Lines: Capture any visible watermarks that show the height of the floodwater inside and outside your property.
- Exterior Damage: Include garages, fences, landscaping, and any other outdoor structures affected by flooding.
Detailed documentation strengthens your claim by providing visual evidence of the extent of the damage.
2. Keep Receipts and Track All Expenses
- Emergency Repairs: Document costs for any immediate repairs needed to secure your property.
- Temporary Housing: If you are displaced, save all receipts related to temporary accommodation.
- Replacement Items: Include receipts for essential items replaced due to flood damage.
Retaining these financial records is essential for substantiating the amount you’re claiming.
3. Obtain Repair Estimates
- License contractors’ estimates help determine the actual cost of restoring your property. These estimates are vital for calculating the total claim amount on your Proof of Loss form.
4. Fill Out and Submit the Proof of Loss Form
- Policy Details: Include your policy number and other identifying information.
- Descriptions of Damage: Provide accurate descriptions of each damage type, with the related repair costs.
- Total Claimed Amount: Sum up repair costs, receipts, and other relevant expenses to arrive at your total claim amount.
Attach all supporting documents and submit the form early to allow time for any follow-up requests from your insurer.
Why Timely Filing Matters
The NFIP typically requires Proof of Loss submissions within 60 days of the flood event. However, extensions, like the 85-day period for Hurricane Helene, offer a bit more time. Missing this deadline could result in a claim denial, leaving you to shoulder repair costs yourself. Filing on time helps ensure a smooth claims process and avoids last-minute complications.
When to Consider Professional Assistance
If you find the claims process overwhelming, especially with extensive property damage, consulting a public adjuster or a flood claims attorney can be invaluable. Elevate Legal Services, PLLC, has experience guiding clients through each step, ensuring documentation is thorough and maximizing the potential payout.
Contact Elevate Legal Services, PLLC Today
With 85 days remaining, start gathering documentation and filing your Proof of Loss. For expert assistance, reach out to Elevate Legal Services, PLLC, at 561-770-3335 or email [email protected]. We are here to guide you through the process, helping you secure the compensation needed to recover fully from Hurricane Helene.