If your property suffered flood damage during Hurricane Milton, you now have 46 days remaining to file your Sworn Proof of Loss (POL) form. This document is a crucial part of the flood insurance claims process, especially under the National Flood Insurance Program (NFIP). Filling the form on time ensures that your claim is processed, and you receive the compensation you need to recover from the flood. Missing this deadline could result in the denial of your claim, so it’s vital to act promptly. Elevate Legal Services, PLLC, we are committed to helping homeowners and businesses navigate insurance claims and ensure they receive the compensation they need to rebuild. Contact us today at 561-770-3335 or email [email protected] for a free consultation and let us support you on your journey to recovery.
What is Sworn Proof of Loss?
Sworn Proof of Loss (POL) is a formal, signed document that provides an itemized account of the damage caused by the flood and the amount you are claiming under your insurance policy. The document must be supported by detailed evidence, such as photographs, repair estimates, and receipts for any immediate repairs or replacements. The deadline for submitting this form is firm — in this case, you have 46 days to comply.
Filing the POL-on time is critical to ensuring your claim is processed and paid. If you miss the deadline, even if the damage to your property is severe, your claim could be denied.
Steps to File Your Sworn Proof of Loss
Follow these steps to ensure your Proof of Loss is filed accurately and on time:
1. Document the Damage
Start by thoroughly documenting all flood-related damage to your property. Take clear, detailed photos and videos, making sure to capture:
- Interior damage: This includes walls, floors, ceilings, furniture, and appliances affected by floodwater.
- Exterior damage: Include images of garages, sheds, landscaping, and any other outdoor structures impacted by the flood.
- Water lines: Photograph visible water lines to show the height of the floodwater inside and outside the property.
This documentation will serve as key evidence to support your claim and ensure the insurance adjuster has a clear understanding of the extent of the damage.
2. Gather Receipts and Financial Records
You will need to provide proof of expenses related to the flood damage. Keep receipts for:
- Emergency repairs: Any immediate actions taken to secure your property, such as boarding up windows or drying out flooded areas.
- Replacement costs: Receipts for any personal items or appliances that were replaced immediately following the flood.
- Temporary housing: Costs associated with staying in hotels or rentals if you were displaced due to the damage.
Having these records ready will cover the total amount you’re claiming in your Proof of Loss.
3. Get Professional Repair Estimates
Hire licensed contractors to assess the damage and provide repair estimates. These estimates are critical for establishing the full cost of repairs and will form the basis of the amount you’re claiming. Make sure to keep copies of all repair estimates, as they will need to be included with your Proof of Loss submission.
4. Fill Out the Proof of Loss Form
Your insurer will provide you with the Sworn Proof of Loss form. Be sure to complete it thoroughly and accurately. The form will ask for details such as:
- Your policy number.
- A comprehensive description of the damage.
- The total amount of your claim, based on your repair estimates and receipts.
Make sure every section is filled out accurately, and include all the supporting documentation (photos, receipts, and estimates). This will help ensure that your claim is processed smoothly and without delays.
5. Submit Your Proof of Loss Before the Deadline
With only 46 days remaining, it’s crucial to submit your Proof of Loss as soon as possible. Submitting it early gives you time to address any questions or concerns that might arise during the review process. Waiting until the last minute could lead to errors or missing information, which could delay or negatively impact your claim.
The Importance of Filing on Time
Meeting the 60-day deadline for submitting your Proof of Loss (extended to 46 days in the case of Hurricane Milton) is critical. If you miss the deadline, your flood insurance claim can be denied, leaving you to cover repair costs out of pocket. Filling the form on time ensures that your claim is valid and gives you the best opportunity to receive compensation.
Seek Professional Assistance
Filing a flood insurance claim can be complicated, especially if you’re unfamiliar with the process. If you’re unsure about how to proceed or if you want to avoid mistakes, consider working with a public adjuster or a flood damage attorney. These professionals can:
- Help you accurately document all damage.
- Ensure your Proof of Loss form is filled out correctly.
- Negotiate with your insurance provider to ensure a fair settlement.
A professional can guide you through the process, helping to maximize your compensation and prevent delays.
Conclusion
With 46 days remaining to file your Sworn Proof of Loss for flood damage caused by Hurricane Milton, now is the time to take action. Document the damage, gather all necessary receipts and repair estimates, and submit your Proof of Loss form to ensure your claim is processed and paid in full. Filling your claim early and accurately gives you the best chance of receiving the compensation you need to rebuild.
If you’re dealing with the aftermath of Hurricane Milton and struggling with your insurance claim, Elevate Legal Services, PLLC, is here to help. Contact us today at 561-770-3335 or email us at [email protected] for a free consultation. We will fight to ensure you receive the compensation you need to rebuild and recover.
