If your property sustained flood damage during Hurricane Helene, filing your Sworn Proof of Loss (POL) form must be filed within the next 90 days. This document is crucial for claims under the National Flood Insurance Program (NFIP) or private flood insurance policies. Missing the deadline could result in claim denial, leaving you responsible for covering repair costs. Taking action now can help you secure the compensation you’re entitled to.
At Elevate Legal Services, PLLC, we are recognized nationwide for our expertise in hurricane and federal flood insurance claims. Unlike state-regulated insurance, flood coverage is governed by complex federal laws that require strict compliance. Failing to meet these specific requirements can jeopardize your ability to recover compensation for flood damage. To ensure you secure the compensation you’re entitled to, our team at Elevate Legal Services, PLLC, will guide you through the entire claims process. Contact us today at 561-770-3335 or email [email protected] for expert assistance with your flood insurance claim.
Here’s a guide to help you file your Proof of Loss accurately and on time.
What is Sworn Proof of Loss?
A Sworn Proof of Loss is a legal document required by flood insurance providers. It verifies the total amount of damage you are claiming, backed by evidence such as photos, repair estimates, and receipts. This document is essential for your insurance claim to be processed and approved.
For claims related to Hurricane Helene, an extension has been granted, providing 90 days from today to file your Proof of Loss. However, it’s important to start the process early to avoid errors or delays that could impact your claim.
Steps to File Your Sworn Proof of Loss
Filing Proof of Loss can seem overwhelming, but following these steps will help ensure you complete the process correctly:
1. Document All Damages Thoroughly
Start by thoroughly documenting all flood-related damage. Use clear, detailed photos and videos to capture:
- Structural damage: Walls, floors, ceilings, and windows that have been affected.
- Water lines: Show where the water levels reached inside and outside your property.
- Personal belongings: Photograph damaged electronics, appliances, furniture, and other personal items.
- Exterior damage: Document garages, sheds, fences, and landscaping affected by the flood.
This documentation is essential evidence for your claim and will support the total amount you’re requesting.
2. Save Receipts and Financial Records
Keep receipts and records of any expenses you’ve already incurred, such as:
- Emergency repairs: Costs related to immediate repairs to secure your property.
- Cleanup services: Any professional services or cleaning supplies used.
- Temporary housing: Costs for staying in hotels or renting temporary housing.
- Replacement items: Receipts for items you’ve replaced due to flood damage.
These financial documents will help validate the total cost of the damage and support your Proof of Loss.
3. Obtain Repair Estimates
Contact licensed contractors to assess the damage and provide detailed repair estimates. These estimates give an accurate picture of the repair costs and help strengthen your claim when submitted with your Proof of Loss.
4. Complete the Proof of Loss Form
Your insurance company will provide you with the Sworn Proof of Loss form. Make sure the form is filled out accurately and thoroughly, including:
- Policy number and personal details.
- Detailed descriptions of the damage with repair estimates.
- The total claim amount you’re requesting, backed by your documented evidence.
Don’t forget to attach all supporting documents—photos, receipts, and repair estimates—when submitting the form.
5. Submit Your Proof of Loss Before the Deadline
With 90 days left, it’s critical to submit your Proof of Loss form before the deadline. Filing early gives you time to correct any errors or provide additional information if required by your insurer. Missing this deadline could result in the denial of your claim, leaving you financially responsible for repairs.
Why Filing on Time is Critical
Submitting your Sworn Proof of Loss on time is crucial because it’s a legal requirement for flood insurance claims. Late or incomplete submissions can lead to your claim being denied, even if the damage is significant. The 90-day extension for Hurricane Helene gives you additional time, but it’s wise to act as early as possible to avoid complications.
When to Seek Professional Help
If you’re unsure how to complete the Proof of Loss or feel overwhelmed by the process, consider seeking help from a public adjuster or flood damage attorney. These professionals can:
- Assist with documenting damages and filing paperwork.
- Ensure your Proof of Loss is accurate and complete.
- Negotiate with your insurer to secure a fair settlement.
Their expertise can help you avoid mistakes and maximize your payout.
Conclusion
With 90 days remaining to file your Sworn Proof of Loss for flood damage from Hurricane Helene, it’s essential to begin gathering your documentation and filing your claim as soon as possible. Thorough documentation, timely submission, and attention to detail are key to ensuring your claim is processed and compensated.
Contact Us for a Free Consultation
If you’ve experienced hurricane or flood damage, don’t wait to seek legal help. Contact Elevate Legal Services, PLLC, today for a free consultation. Our experienced hurricane and flood attorneys are here to guide you through the process and ensure you get the compensation you deserve.
Call us today at 561-770-3335 or email us at [email protected]. You can also visit our website for more information on how we can assist you with your hurricane or flood claim. Let us help you navigate the complexities of your insurance claim and get your life back on track.
