If Hurricane Helene caused flood damage to your property, you have 83 days left to submit your Sworn Proof of Loss (POL) form. This crucial document is necessary to validate your flood insurance claim, especially for those covered under the National Flood Insurance Program (NFIP). Missing this deadline can result in a denied claim, so take steps to file your POL-on time. For expert assistance, reach out to Elevate Legal Services, PLLC, at 561-770-3335 or via email at [email protected] to ensure your documentation is complete and accurate.
What is Sworn Proof of Loss?
A Sworn Proof of Loss is a required statement that provides a detailed breakdown of the flood damage and the total amount you’re claiming from your insurer. This document must be supported by evidence such as photos, repair estimates, and receipts. Submitting a complete and accurate POL is essential for the smooth processing of your insurance claim.
Steps to Prepare and Submit Your Proof of Loss
To help you meet the deadline and secure your claim, follow these essential steps:
1. Document All Damage Thoroughly
Take clear photos and videos to capture all flood damage. Include:
- Interior damage: Floors, walls, ceilings, and personal belongings.
- Water lines: Document watermarks to show the floodwater levels.
- Exterior damage: Garages, fences, landscaping, and other outdoor structures.
Visual documentation is key to substantiating your claim and showing the full extent of the damage.
2. Gather Receipts and Record Expenses
Save all receipts related to flood recovery, including:
- Emergency repairs: Costs for any immediate actions to protect your property.
- Temporary housing expenses: Hotel or rental costs if you are displaced.
- Replacement items: Receipts for necessary items like furniture or appliances.
Also, obtain repair estimates from licensed contractors to support the total amount claimed.
3. Complete the Proof of Loss Form
Your insurer will provide a Sworn Proof of Loss form that needs to be filled out with care, including:
- Policy details: Your policy number and other identifiers.
- Itemized descriptions of damages and estimated repair costs.
- Total claim amount, supported by receipts and estimates.
Attach all supporting evidence and submit the form as soon as possible to avoid delays.
Importance of Filing on Time
Filing your Sworn Proof of Loss within the 83-day window is essential. Typically, the NFIP requires a 60-day filing period, but extensions—like the one for Hurricane Helene—are sometimes granted for major events. Missing this deadline can lead to a denied claim, leaving you responsible for repair costs.
When to Seek Professional Assistance
If managing a flood insurance claim feels overwhelming, consider consulting a public adjuster or flood insurance attorney. The team at Elevate Legal Services, PLLC, has extensive experience assisting clients with flood claims, ensuring that documentation is complete and maximizing claim payouts.
Contact Elevate Legal Services, PLLC for Guidance
With 83 days left to file your Sworn Proof of Loss, now is the time to act. For help with your flood claim, contact Elevate Legal Services, PLLC, at 561-770-3335 or email [email protected]. Our team is dedicated to ensuring your claim is handled efficiently, allowing you to focus on recovery after Hurricane Helene.
