If your property experienced flood damage from Hurricane Milton, you have 96 days left to file your Sworn Proof of Loss (POL) form. Submitting this essential document on time is critical to ensure your flood insurance claim is processed correctly and that you receive the compensation you need for repairs. Missing this deadline could put your claim at risk, so don’t delay. For assistance with your claim, reach out to 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 signed, detailed statement required by most flood insurance policies, including those under the National Flood Insurance Program (NFIP). This document provides a complete overview of your property’s flood damage, including repair costs and related expenses. Along with photos, repair estimates, and receipts, this form substantiates the accuracy of your claim. Submitting the POL within 96 days is essential to keep your claim on track.
Steps to Prepare and Submit Your Proof of Loss
To ensure your Proof of Loss is accurate and complete, follow these steps:
1. Document All Damage Thoroughly
Take clear photos and videos of all flood-damaged areas, including:
- Interior damage: Floors, walls, ceilings, appliances, and personal belongings.
- Exterior damage: Garages, landscaping, and any other outdoor structures impacted by flooding.
- Water lines: Photograph watermarks on walls or other areas to show the extent of flooding.
This visual evidence is crucial for illustrating the full scope of damage to your insurer.
2. Gather Receipts and Record Expenses
Save all receipts related to flood recovery, such as:
- Emergency repairs: Costs for urgent repairs like securing windows or drying out affected areas.
- Temporary housing: If you need to stay elsewhere due to the damage.
- Replacement items: Receipts for essential replacements, like furniture or appliances.
These records will support the total amount you’re claiming.
3. Obtain Repair Estimates from Professionals
Hire licensed contractors to provide detailed repair estimates. These estimates are necessary to justify the repair costs in your claim and should be included with your POL.
4. Complete and Submit the Proof of Loss Form
Your insurer will provide an official Sworn Proof of Loss form, which must be filled out thoroughly, including:
- Policy details: Your policy number and other identifying information.
- Damage descriptions: An itemized list of damages with corresponding repair costs.
- Total claim amount: Based on repair estimates and receipts.
Submitting your form as early as possible allows time for any adjustments your insurer may request.
Why Filing on Time is Critical
The NFIP typically requires a 60-day filing window for the Proof of Loss, though extensions, like the 96-day period for Hurricane Milton, are sometimes granted. Filing within this deadline is crucial to prevent claim denial, which would make you responsible for covering repair costs out of pocket. Submitting your POL early ensures your claim is processed smoothly.
When to Seek Professional Assistance
If managing a flood insurance claim seems overwhelming, consider consulting a public adjuster or flood insurance attorney. The team at Elevate Legal Services, PLLC, has extensive experience helping clients through complex flood claims, ensuring documentation is complete and maximizing claim outcomes.
Contact Elevate Legal Services, PLLC Today
With 96 days remaining to file your Sworn Proof of Loss, now is the time to gather documentation and submit your claim. For expert support in managing your flood damage claim, contact Elevate Legal Services, PLLC, at 561-770-3335 or email [email protected]. Our dedicated team is here to guide you every step of the way, ensuring you receive the compensation needed to recover and rebuild.
