If your home or business sustained flood damage during Hurricane Milton, time is running out — you have 50 days left to submit your Sworn Proof of Loss (POL) for your flood insurance claim. Filing this document is critical to ensuring your insurance company processes your claim and pays you the compensation you deserve. Here’s a step-by-step guide to help you navigate the process and avoid common mistakes that could jeopardize your claim. 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?
A Sworn Proof of Loss (POL) is a legal document required by most flood insurance providers, particularly those under the National Flood Insurance Program (NFIP). This document details the flood damage to your property, the total value of your losses, and the amount you are claiming.
Filing this form accurately and on time is mandatory. If you miss the 60-day deadline (extended in some cases, like Hurricane Milton), your claim could be denied, leaving you to cover all repair and recovery costs.
Steps to File Your Sworn Proof of Loss
Follow these essential steps to ensure your Proof of Loss is filed correctly and on time:
1. Document the Damage Thoroughly
As soon as it’s safe to return to your property, document all flood-related damage with clear photos and videos. Be sure to capture:
- Structural damage: Walls, floors, ceilings, windows, and foundations.
- Personal property: Damaged furniture, appliances, electronics, and other belongings.
- Water lines: Show how high floodwaters rose inside and outside your property.
- Exterior damage: Fencing, garages, landscaping, and other outdoor structures.
These visual records are essential to proving the extent of the damage and justifying your claim.
2. Collect Receipts and Records of All Expenses
Keep detailed records of any flood-related expenses, including:
- Emergency repairs: Receipts for materials and services used to prevent further damage.
- Cleaning supplies and services: Expenses related to cleanup.
- Temporary housing: Costs if you had to stay elsewhere due to flood damage.
- Contractor estimates: Quotes for repairs to your home or business.
These receipts will help you accurately estimate the total damage and ensure you’re reimbursed for all related costs.
3. Get Professional Repair Estimates
Hire licensed contractors to assess the damage and provide repair estimates. These estimates will help justify the amount you are claiming and give your insurer a clear understanding of the restoration costs.
4. Fill Out the Proof of Loss Form
Your insurance provider will supply the official Sworn Proof of Loss form. Be sure to complete it carefully, providing:
- Policy details: Your policy number and identifying information.
- Damage descriptions: A detailed account of the damaged property.
- Repair costs: Estimated costs of repairs and replacements.
- Claim amount: The total value of your losses based on your documentation.
Attach all supporting documents, photos, receipts, and estimates—to back up the amounts listed on the form.
5. Submit Your Proof of Loss Before the Deadline
With only 50 days left, it’s essential to gather your documentation and submit your Proof of Loss as soon as possible. Missing the deadline could result in your claim being denied or delayed, leaving you responsible for covering repairs out of pocket.
Why Meeting the Deadline is Critical
The NFIP typically requires homeowners to submit Sworn Proof of Loss within 60 days after the flood event. In the case of Hurricane Milton, extensions have been extended, but you now have only 50 days remaining. Failing to meet this deadline can result in your claim being denied, even if the damage is significant. Additionally, submitting incomplete or inaccurate forms could lead to delays or lower payouts.
When to Consult a Public Adjuster or Attorney
Filing a flood damage claim can be a complex process, and completing the Proof of Loss form may feel overwhelming, particularly if you’ve experienced significant damage. If you’re unsure about any part of the process, consider consulting a public adjuster or an experienced flood damage attorney. These professionals can:
- Help you document the damage comprehensively.
- Ensure your Proof of Loss is filed correctly.
- Negotiate with your insurance provider to ensure a fair settlement.
Conclusion
With 50 days left to file your Sworn Proof of Loss for flood damage caused by Hurricane Milton, time is of the essence. Start by documenting all damages, collecting receipts, obtaining repair estimates, and completing the Proof of Loss form accurately and thoroughly. Filing your claim on time is the best way to ensure your insurance company processes your claim promptly and pays the compensation you deserve.
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.
