If your property was damaged by Hurricane Helene, you now have 97 days left to submit your Sworn Proof of Loss (POL) for your flood damage claim. This form is a critical component of the National Flood Insurance Program (NFIP) claims process, ensuring that your claim is processed accurately, and you receive the compensation you need. Filing on time is essential to avoid claim denial, so here’s what you need to know to get started.
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.
What is Sworn Proof of Loss?
A Sworn Proof of Loss (POL) is a formal, sworn document that outlines the total damage to your property from the flood and the amount you are claiming. It is required by the NFIP to verify the damage and support your insurance claim. The form must be completed, signed under oath, and submitted to your insurance company within 60 days of the flood event unless an extension has been granted. With 97 days left for Hurricane Helene victims, it’s important to use this additional time wisely.
Steps to File a Sworn Proof of Loss
Filing your Proof of Loss requires detailed documentation and careful attention to accuracy. Follow these steps to ensure your claim is properly filed:
1. Document All Damage Thoroughly
Start by capturing detailed photographs and videos of all the flood damage. Be sure to include:
- Interior damage: Walls, floors, ceilings, and any furniture or appliances affected by floodwater.
- Exterior damage: Roof damage, landscaping, garages, and any outbuildings or outdoor features.
- Watermarks: Take photos of waterlines inside and outside your home to show how high the floodwater reached.
This visual evidence is critical to proving the extent of the damage and supporting the value of your claim.
2. Keep Receipts and Records of Expenses
Maintain a record of all expenses related to the flood recovery, including:
- Temporary repairs: Receipts for any materials or services used to prevent further damage to your home.
- Cleaning services: Invoices or receipts for cleaning up the property post-flood.
- Temporary housing: Costs for hotel stays or rental expenses if you are forced to leave your home.
These records provide clear evidence of your immediate recovery costs and help strengthen your claim.
3. Obtain Repair Estimates
Hire licensed contractors or professionals to assess the damage and provide repair estimates. These estimates should outline the cost of repairing or replacing all damaged areas and items, providing a clear financial overview for your insurance provider.
4. Complete the Proof of Loss Form
Your insurance company or adjuster will provide you with the official Sworn Proof of Loss form. Be sure to fill out accurately, including:
- Your policy number and personal details.
- The estimated cost of repairs and replacements.
- Detailed descriptions of the damage.
Attach all supporting documentation, such as photos, receipts, and repair estimates, to provide a comprehensive overview of your claim.
Why Filing on Time is Critical
The NFIP typically requires Sworn Proof of Loss forms to be submitted within 60 days of the flood event. However, extensions, like the 97 days for Hurricane Helene, have been granted in some cases. Missing this deadline could result in your claim being denied, leaving you responsible for covering the full cost of repairs.
Even with the extra time, it’s essential to act now. Preparing and submitting all necessary documents early will help ensure your claim is processed smoothly and you avoid any last-minute complications.
When to Consult a Professional
If the process feels overwhelming or if you encounter difficulties with your insurance company, consider hiring a public adjuster or an attorney who specializes in flood damage claims. These professionals can assist you by:
- Accurately documenting and filing your Proof of Loss form.
- Ensuring that no crucial details are missed.
- Negotiating with your insurance company for a fair settlement.
Bringing in a professional can help you navigate the process more effectively, particularly if you’re unfamiliar with flood insurance policies.
Final Thoughts
With 97 days remaining to file your Sworn Proof of Loss for flood damage caused by Hurricane Helene, it’s time to start preparing your claim. Begin documenting the damage, gather receipts, get professional repair estimates, and complete your Proof of Loss form as soon as possible. Filing on time and providing accurate documentation will help secure the compensation you need to recover and rebuild after the storm.
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.
