If your property suffered flood damage during Hurricane Milton, you have 104 days remaining to file your Sworn Proof of Loss (POL). To allow enough time for the policyholder to evaluate their losses, FEMA extended the 60-day proof of loss deadline to 120 days. The deadline for submitting a complaint proof of loss for Hurricane Milton is 120 calendar days from the date of loss. This form is crucial for the proper processing of your flood insurance claim, ensuring you receive the compensation necessary for repairs and recovery. Missing this important deadline could lead to your claim being denied, so it’s essential to act now. If you need assistance with your claim, contact Elevate Legal Services, PLLC at 561-770-3335 or email us at [email protected].
What is Sworn Proof of Loss?
A Sworn Proof of Loss (POL) is a formal document required under most flood insurance policies, including the National Flood Insurance Program (NFIP). It provides a comprehensive account of the flood-related damage to your property, repair costs, and the amount you are requesting from your insurer. The form must be submitted along with supporting evidence, such as photographs, receipts, and repair estimates.
Failing to file your POL within the allotted 104 days could result in your claim being denied. The Proof of Loss serves as an official statement of the compensation you are seeking, making it a critical part of the insurance claims process.
Steps to File Your Sworn Proof of Loss
Follow these steps to ensure your Proof of Loss is filed correctly and on time:
1. Document the Damage
Immediately after the hurricane or flooding event, you should thoroughly document the damage to your property. Take clear, detailed photographs and videos of the affected areas, including:
- Structural damage: Walls, ceilings, floors, and foundations that have been damaged by water.
- Water damage: Include images of watermarks, standing water, and ruined personal items.
- Interior and exterior damage: Be sure to capture damage to furniture, electronics, vehicles, and any outdoor structures or landscaping.
2. Collect Receipts and Estimates
Gather all receipts for any flood-related expenses. This includes receipts for:
- Emergency repairs and cleanup services
- Temporary housing if you are displaced due to the flood
- Replacement items like furniture or appliances that were destroyed
Additionally, obtain repair estimates from licensed contractors. These receipts and estimates are crucial to validate the total amount you are claiming.
3. Complete the Proof of Loss Form
Your insurance provider will supply the Sworn Proof of Loss form. Fill it out with care, ensuring that all required information is accurate, including:
- Your policy number
- Detailed descriptions of the damage
- The total claim amount, calculated based on repair estimates, receipts, and documented losses
4. Submit the Proof of Loss Before the Deadline
With 104 days remaining to file, now is the time to prepare your Proof of Loss and submit it. Although this extension provides extra time, it’s best to file well in advance to avoid last-minute issues or potential discrepancies. Submitting your claim early also allows you time to address any follow-up questions or additional requirements from your insurance company.
For further guidance on completing your claim, contact Elevate Legal Services, PLLC at 561-770-3335 or email us at [email protected].
Why It’s Important to File on Time
The timely filing of your Proof of Loss is mandatory. Generally, policyholders must submit their POL within 60 days of the flooding event, though an extension of 104 days has been granted for claims related to Hurricane Milton. Missing this deadline can lead to a denial of your claim, leaving you responsible for covering the costs of repairs on your own.
By submitting your Proof of Loss early, you help ensure that your claim is processed efficiently, giving you the best chance of receiving the full compensation you deserve.
Why You Should Consider Professional Help
Filing a flood insurance claim can be complicated, especially when you’re already dealing with significant property damage. If you are unsure about the process or want to strengthen your claim, it’s wise to consider hiring a public adjuster or consulting with an attorney who specializes in flood damage claims.
At Elevate Legal Services, PLLC, we are experienced in helping homeowners navigate flood insurance claims. Our team can assist you with documenting your damage, completing your Proof of Loss accurately, and negotiating with your insurer to ensure you receive the compensation you’re entitled to.
Contact Elevate Legal Services, PLLC Today
With 104 days left to file your Sworn Proof of Loss for flood damage caused by Hurricane Milton, it’s essential to start the process now. Don’t risk losing your claim due to missed deadlines or incomplete paperwork. Contact Elevate Legal Services, PLLC at 561-770-3335 or email us at [email protected] for a consultation. Our legal team is ready to help you navigate the claims process and secure the financial recovery you need to rebuild after the storm.
