If your property suffered flood damage from Hurricane Helene, you now have 86 days remaining to file your Sworn Proof of Loss (POL) form. Submitting this document on time is crucial to process your flood insurance claim effectively, particularly for policies under the National Flood Insurance Program (NFIP). Missing this deadline can seriously affect the outcome of your claim. For professional guidance on your claim, contact Elevate Legal Services, PLLC, at 561-770-3335 or email [email protected].
What is Sworn Proof of Loss?
A Sworn Proof of Loss (POL) is a legally required statement detailing the extent of flood damage and the amount you’re claiming from your insurance provider. This document must include supporting evidence, such as photographs, receipts, and repair estimates. Filing within the 86-day timeframe ensures your claim moves forward without delay.
Steps to Prepare and File Your Proof of Loss
Follow these steps to make sure your Sworn Proof of Loss is complete and accurate:
1. Document All Damage Thoroughly
As soon as possible, document all damage through photos and videos, including:
- Interior Damage: Floors, walls, ceilings, and personal items like electronics and furniture.
- Water Lines: Clearly show the height of floodwater on walls or other surfaces.
- Exterior Damage: Garages, fences, landscaping, and other outdoor features are affected by flooding.
Detailed visual evidence strengthens your claim and ensures the damage is well-documented.
2. Keep Receipts and Track Expenses
Organize receipts for all flood-related expenses, such as:
- Emergency Repairs: Any immediate work needed to prevent further damage.
- Temporary Housing: Hotel or rental expenses if you have to relocate temporarily.
- Replacement Items: Costs for replacing essential items damaged in the flood.
Obtain repair estimates from licensed contractors to validate your total claim amount.
3. Complete the Proof of Loss Form
Your insurance provider will supply the official Sworn Proof of Loss form, which requires:
- Your policy number and personal details.
- Descriptions of the damage and estimated repair or replacement costs.
- The total claim amount with supporting documents.
Attach all relevant evidence, such as photos, receipts, and estimates, to create a strong, well-supported claim.
4. Submit Your Proof of Loss Before the Deadline
- Although you have 86 days, filing early helps you avoid last-minute complications. This allows you time to make any necessary adjustments or provide additional information if requested by the insurer.
Why Timely Filing is Critical
Strict deadlines are enforced by the NFIP and private insurers, and missing the 86-day deadline could result in a denied claim, leaving you personally responsible for repair costs. Submitting ahead of schedule keeps your claim on track and helps avoid potential issues.
When to Seek Professional Assistance
Filing a flood damage claim, particularly for significant losses, can be challenging. If you need help with documentation or want to ensure accuracy in your Proof of Loss, consider working with a public adjuster or a flood damage attorney. Elevate Legal Services, PLLC, specializes in assisting policyholders through the claims process, maximizing potential payouts, and helping avoid errors.
Contact Elevate Legal Services, PLLC for Help
With 86 days remaining, start documenting your damage, gather receipts, and file your claim as soon as possible. For expert assistance, reach out to Elevate Legal Services, PLLC, at 561-770-3335 or [email protected]. Our team is here to help ensure your claim is handled properly, guiding you through recovery after Hurricane Helene.
