If your property sustained flood damage during Hurricane Helene, you have 76 days left to file your Sworn Proof of Loss (POL). This critical document ensures your flood insurance claim is processed, allowing you to secure the necessary compensation for repairs. Missing the deadline could result in your claim being denied. For expert assistance, contact Elevate Legal Services, PLLC, at 561-770-3335 or email [email protected].
What is Sworn Proof of Loss?
A Sworn Proof of Loss is a formal document detailing the extent of your flood damage and the total amount you’re claiming from your insurance provider. It’s a requirement under the National Flood Insurance Program (NFIP) and private insurers to ensure your claim is properly evaluated. Filing this document within 76 days is crucial to avoid complications with your claim.
Steps to File Your Sworn Proof of Loss
1. Document the Damage
Begin by thoroughly documenting the flood damage with clear photos and videos:
- Interior Damage: Capture structural damage to walls, floors, ceilings, and personal belongings such as appliances and furniture.
- Exterior Damage: Photograph damage to garages, fences, landscaping, and outdoor structures.
- Water Levels: Record any visible water lines to show the extent of flooding.
These visuals will serve as essential evidence for your claim.
2. Gather Receipts and Financial Records
Collect all receipts and records related to flood-related expenses, including:
- Emergency Repairs: Costs for immediate fixes like securing windows or drying out affected areas.
- Temporary Housing: Expenses if you had to relocate due to uninhabitable conditions.
- Replacement Items: Receipts for personal items replaced due to flood damage.
These documents will help substantiate the amount you’re claiming.
3. Obtain Professional Repair Estimates
Engage licensed contractors to provide detailed repair estimates. These estimates clarify the full scope of the required repairs and support the accuracy of your claim.
4. Complete and Submit the Proof of Loss Form
Your insurer will provide the Sworn Proof of Loss form, which must be completed with:
- Your policy number and personal details.
- A detailed description of the damage and associated repair costs.
- The total claim amount, supported by receipts and professional estimates.
Submit the form promptly to avoid delays in processing your claim.
Importance of Timely Filing
Filing your Proof of Loss within the 76-day window is essential. While the NFIP generally requires filing within 60 days, extensions, such as the one granted for Hurricane Helene, provide extra time. Failing to meet this deadline can lead to a denied claim, leaving you responsible for covering repair costs out-of-pocket.
Why Seek Professional Assistance?
Navigating the claims process can be overwhelming, especially when dealing with extensive damage. Consider seeking help from a public adjuster or flood insurance attorney to ensure accuracy and completeness. Elevate Legal Services, PLLC, is experienced in assisting clients with flood damage claims, ensuring all necessary documentation is properly prepared and submitted to maximize your payout.
Contact Elevate Legal Services, PLLC
With 76 days remaining, now is the time to act. Don’t risk errors or delays that could jeopardize your claim. Contact Elevate Legal Services, PLLC, at 561-770-3335 or email [email protected] for expert guidance. Our team is ready to help you navigate the claims process smoothly and secure the compensation you need to recover from Hurricane Helene.
