If your property sustained flood damage from Hurricane Milton, you have 89 days to file your Sworn Proof of Loss (POL). This critical document is essential to processing your flood insurance claim and ensuring you receive the necessary compensation. Missing the deadline could result in claim denial or significant delays. For expert guidance, 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 statement detailing the extent of flood damage and the total amount you’re claiming from your insurance provider. Required by both the National Flood Insurance Program (NFIP) and private insurers, this document supports your claim with itemized lists of damages, repair estimates, and supporting evidence. Filing within the 89-day window is crucial for smooth processing and to avoid complications.
Steps to File Your Proof of Loss
1. Document All Damages
Begin by taking comprehensive photos and videos of flood-affected areas:
- Interior Damage: Capture images of damaged walls, floors, ceilings, appliances, and furniture.
- Exterior Damage: Document any damage to fences, landscaping, garages, and outdoor structures.
- Water Levels: Photograph watermarks or any remaining water to show flood heights and extent.
These visuals are essential for substantiating your claim.
2. Collect Receipts and Track Expenses
Organize receipts for all flood-related costs, including:
- Emergency Repairs: Costs for immediate repairs like boarding up windows or drying out areas.
- Temporary Housing: Expenses for hotel stays or rentals if you have to leave your home.
- Replacement Items: Receipts for replacing damaged furniture, appliances, and personal belongings.
These records are crucial to support your claimed amount.
3. Obtain Repair Estimates
Engage licensed contractors to provide professional repair estimates. These detailed assessments are necessary for accurately calculating the total repair costs and strengthening your claim.
4. Complete and Submit the Proof of Loss Form
Fill out the Sworn Proof of Loss form provided by your insurer with the following details:
- Policy Number: Include your policy information.
- Detailed Damage Description: Provide a comprehensive list of damages and associated costs.
- Total Claim Amount: Supported by your collected receipts and repair estimates.
Ensure all supporting documents, photos, receipts, and estimates—are attached before submission.
Importance of Timely Filing
Submitting your Sworn Proof of Loss within 89 days is critical. The standard NFIP deadline is 60 days, but this extension for Hurricane Milton offers additional time. However, delays could jeopardize your claim, leading to denial and leaving you to cover repair costs. Filing early ensures smoother processing and allows time to address any additional requests from your insurer.
Consider Professional Help
Navigating the flood insurance claims process can be complex. If you’re feeling overwhelmed, consider seeking help from a public adjuster or a flood insurance attorney. Elevate Legal Services, PLLC, has a proven track record of assisting clients with flood damage claims, ensuring accurate and timely submission of all necessary documentation to maximize your payout.
Contact Elevate Legal Services, PLLC Today
With 89 days remaining to file your Sworn Proof of Loss, prompt action is crucial. Don’t risk missing the deadline and jeopardizing your claim. For professional assistance, contact Elevate Legal Services, PLLC, at 561-770-3335 or email [email protected]. Our experienced team is here to guide you through the process, helping you secure the compensation needed to recover from Hurricane Milton.
