If your property was impacted by flood damage during Hurricane Milton, the deadline to submit your Sworn Proof of Loss (POL) form is fast approaching — you now have only 47 days remaining. Filing this mandatory form is critical for ensuring that your claim is processed through the National Flood Insurance Program (NFIP) or a private flood insurance provider. Failure to file on time could result in the denial of your claim, leaving you responsible for the repair costs. To ensure you secure the compensation you’re entitled to, our team at Elevate Legal Services, PLLC, will guide you through the entire claims process. Contact us today at 561-770-3335 or email [email protected] for expert assistance with your flood insurance claim.
What is Sworn Proof of Loss?
A Sworn Proof of Loss (POL) is a legal document that outlines the extent of your flood damage, the total amount you’re claiming, and the evidence to support your claim. This includes detailed descriptions of the damage, cost estimates for repairs, and supporting documentation such as photos and receipts. Submitting this form by the deadline is crucial—missing it can result in a denied claim, regardless of the extent of your damage.
Steps to File a Sworn Proof of Loss
Follow these steps to ensure your Proof of Loss is accurate and submitted on time:
1. Document All Damage Thoroughly
Start by carefully documenting the flood damage. As soon as it’s safe, take clear photos and videos of:
- Structural damage: Capture images of damaged walls, ceilings, floors, and foundations.
- Personal property: Include electronics, appliances, furniture, and other belongings destroyed or damaged by floodwaters.
- Water lines: Show how high the floodwater rose inside and outside your home or business.
- Exterior damage: Don’t forget to document garages, landscaping, fencing, and any other outdoor structures affected.
These visuals will serve as key evidence to support your Proof of Loss claim.
2. Save Receipts and Invoices
Keep a record of all expenses related to the flood damage, including:
- Emergency repairs: Costs associated with securing your home or making immediate repairs to prevent further damage.
- Clean-up services: Receipts for professional clean-up or drying services.
- Temporary housing: Documentation for hotel stays or rental expenses if you were displaced.
All of these financial records will help substantiate the amount you’re claiming.
3. Get Professional Repair Estimates
Hire licensed contractors to provide repair estimates that detail the cost of restoring your property. These estimates will give you an accurate understanding of the expenses and help strengthen your claim when filing the Proof of Loss form.
4. Complete the Proof of Loss Form
Your insurance company or adjuster will supply you with the official Sworn Proof of Loss form. Be sure to complete it thoroughly and accurately, including:
- Your policy number and other identifying information.
- A detailed description of the damaged property and personal belongings.
- Repair estimates and the total amount you are claiming.
Attach all supporting documents, receipts, and repair estimates—to strengthen your claim.
5. Submit the Proof of Loss Before the Deadline
You have 47 days remaining to file your Sworn Proof of Loss for flood damage caused by Hurricane Milton. While some extensions have been granted, it’s important not to wait until the last minute. Filing early ensures that you have time to correct any potential errors or gather additional documentation if necessary.
The Importance of Filing on Time
Failing to file your Sworn Proof of Loss by the deadline can result in your claim being denied, regardless of the severity of the damage. Even submitting incomplete or inaccurate information could lead to delays or disputes, potentially leaving you responsible for the costs of repairs. Submitting your Proof of Loss on time ensures that your claim is valid and helps you receive the compensation you need.
Consider Professional Help
Filing a flood damage insurance claim can be complex, especially when you’re dealing with extensive damage. To avoid mistakes and ensure you receive fair compensation, consider working with a public adjuster or flood damage attorney. These professionals can help you:
- Document the damage accurately and thoroughly.
- Ensure your Proof of Loss form is complete and error-free.
- Negotiate with your insurance company to secure the best possible settlement.
Conclusion
With only 47 days left to your Sworn Proof of Loss filed for flood damage from Hurricane Milton, now is the time to act. Start by documenting all damage, collecting receipts, and getting repair estimates to avoid delays. Filing your Proof of Loss on time and with complete documentation ensures that your claim will be processed efficiently, helping you receive the compensation you need to repair and rebuild.
If you need assistance with your flood insurance claim, contact Elevate Legal Services, PLLC today at 561-770-3335 or email us at [email protected]. Our experienced legal team will stand by your side, helping you navigate the complexities of the NFIP and protecting your rights in the aftermath of Hurricane Milton.
