For those affected by Hurricane Helene, you now have 87 days to submit your Sworn Proof of Loss (POL) for any flood damage claims. This legal document is vital to ensure your claim is processed properly and that you receive fair compensation. Most flood insurance policies, including those under the National Flood Insurance Program (NFIP), require timely submission of this form. Missing this critical deadline could result in your claim being denied. For expert guidance, contact Elevate Legal Services, PLLC, at 561-770-3335 or [email protected].
What is Sworn Proof of Loss?
A Sworn Proof of Loss is a sworn statement detailing the flood damage to your property, including the amount you’re claiming. Alongside repair estimates, receipts, and photographic evidence, the POL serves as proof of your losses and is required by insurers to validate flood claims. Filling within the 87-day extension period is crucial for keeping your claim on track.
Steps to File Your Sworn Proof of Loss
To ensure your Proof of Loss is submitted accurately and on time, follow these steps:
1. Document the Damage Thoroughly
- Capture comprehensive photos and videos of all damage, including:
- Interior Damage: Floors, ceilings, walls, appliances, electronics, and personal belongings.
- Water Lines: Visible marks showing how high the floodwater reached.
- Exterior Damage: Fencing, landscaping, garages, and any outdoor items impacted by flooding.
- Detailed documentation substantiates your claim and shows the full extent of the damage.
2. Gather Receipts and Financial Records
- Collect all receipts and records related to flood recovery expenses, such as:
- Emergency Repairs: Costs for immediate repairs to prevent additional damage.
- Temporary Housing: Expenses for hotels or rentals if you were displaced.
- Replacement Items: Receipts for essential items replaced due to flood damage.
- Also, secure repair estimates from licensed contractors to show anticipated repair costs.
3. Complete and Submit the Proof of Loss Form
- Your insurer will provide the Sworn Proof of Loss form. Ensure that you fill it out thoroughly and include:
- Policy Number and insurance details.
- Description of Damages and Cost Estimates.
- Total Claim Amount, supported by collected receipts and estimates.
- Attach all documentation and submit the form promptly to avoid processing delays.
Why Timely Filing is Essential
Timely filing is a requirement for claim approval. While most policies allow 60 days for submission, the 87-day extension for Hurricane Helene offers some additional time. However, filing early helps prevent last-minute complications and ensures your claim won’t be denied due to late submission.
Why Consider Professional Assistance
Navigating a flood damage claim can be challenging, especially when dealing with extensive property losses. A public adjuster or flood damage attorney can help guide you through the process, ensuring your claim is complete and maximizing your potential compensation. Elevate Legal Services, PLLC, specializes in helping homeowners through insurance claims, making sure all requirements are met.
Contact Elevate Legal Services, PLLC Today
With 87 days remaining, start gathering your documentation and submit your Proof of Loss early to avoid delays. Contact Elevate Legal Services, PLLC, at 561-770-3335 or [email protected] for experienced guidance through the claims process. Our dedicated team is here to help you secure the compensation you need to recover from Hurricane Helene.
