If your property suffered flood damage during Hurricane Milton, there are now 100 days remaining to submit your Sworn Proof of Loss (POL). This document is crucial for securing your flood insurance claim under the National Flood Insurance Program (NFIP). Filing on time is essential; missing the deadline can delay or prevent you from receiving compensation. For guidance through this process, contact Elevate Legal Services, PLLC, at 561-770-3335 or email [email protected]. Our team is ready to ensure that your documentation is complete and submitted accurately.
What is Sworn Proof of Loss?
A Sworn Proof of Loss is a legally required statement detailing the flood damage to your property and the amount you’re claiming from your insurer. This document must include comprehensive information, such as descriptions of the damage, estimated repair costs, and supporting evidence like photos and receipts. The NFIP mandates timely submission to verify the extent of your claim and expedite fair compensation.
With only 100 days left, filing on time is critical. Failure to meet this deadline can lead to claim denial, no matter the extent of damage to your property.
Steps to File Your Sworn Proof of Loss
To ensure your Proof of Loss is filed correctly and promptly, follow these steps:
1. Document the Damage
Start by photographing and videotaping all areas affected by floodwater:
- Interior Damage: Capture images of waterlogged furniture, damaged flooring, walls, and other interiors affected by flooding.
- Exterior Damage: Photograph any impacted outdoor structures, including garages, landscaping, and fencing.
- Water Lines: Take clear images showing the height of the water levels on walls or exterior structures.
This visual evidence is essential to substantiate the scope and severity of your claim.
2. Collect Receipts and Estimates
Gather all receipts for flood-related expenses, which may include:
- Emergency Repairs: Keep receipts for any immediate repairs done to prevent further damage.
- Temporary Housing Costs: Include hotel or rental expenses if you had to leave your property.
- Cleaning and Restoration Services: Document any professional cleaning services or supplies purchased for flood mitigation.
Additionally, obtain repair estimates from licensed contractors, which will justify the amounts you’re claiming for restoration costs.
3. Complete and Submit the Proof of Loss Form
Your insurance provider will supply the Sworn Proof of Loss form. Fill it out carefully with:
- Policy Details: Include your policy number and other relevant insurance information.
- Damage Descriptions and Estimates: Provide thorough descriptions of damages along with cost estimates.
- Total Claim Amount: Calculate the full amount based on repair estimates, replacement costs, and other documented expenses.
Submit the form as soon as possible. Although you have 100 days remaining, filing early allows you time to address any additional requests from your insurer.
Why Timely Filing Matters
Submitting your Proof of Loss on time is mandatory under NFIP guidelines, with exceptions like the 100-day extension for Hurricane Milton being uncommon. Take full advantage of this additional time to ensure all documentation is complete and filed correctly. Missing this deadline may lead to a full denial of coverage, even if the damage is extensive.
Why You Should Consider Professional Assistance
Handling a flood insurance claim can be complex, especially when extensive damage is involved. Consulting a public adjuster or an attorney specializing in flood claims can make a significant difference. Professionals at Elevate Legal Services, PLLC can:
- Assist with Documentation: We’ll help you gather and organize essential evidence.
- Ensure Form Accuracy: We’ll make sure the Proof of Loss is filled out completely and accurately.
- Negotiate with Your Insurer: We’ll work on your behalf to secure a fair settlement.
Contact Elevate Legal Services, PLLC for Support
With 100 days remaining to file your Sworn Proof of Loss, don’t wait until the last minute. Start gathering documentation, keeping all receipts, and submitting your form early to secure the compensation you need. For expert assistance in maximizing your claim, contact Elevate Legal Services, PLLC, at 561-770-3335 or email [email protected]. Our team is ready to help you navigate the process, ensuring a thorough and accurate claim submission to support your recovery from Hurricane Milton.
