If Hurricane Milton causes flood damage to your property, there are now 98 days to file your Sworn Proof of Loss (POL) form. This form is essential for securing the compensation you need for repairs and restoration. Missing the deadline could put your claim at risk, so acting promptly is vital. For expert guidance, contact Elevate Legal Services, PLLC, at 561-770-3335 or email [email protected]. Our team can help ensure your documentation is accurate and timely.
What is Sworn Proof of Loss?
A Sworn Proof of Loss (POL) is a detailed, sworn statement listing the flood damages and the amount you claim. Required by most flood insurance policies, including those under the National Flood Insurance Program (NFIP), this document should include comprehensive information like repair costs, receipts, photos, and contractor estimates. Filing within the 98-day timeframe for Hurricane Milton claims is critical to maintaining claim eligibility.
Steps to File Your Sworn Proof of Loss
1. Document All Damages Thoroughly
- Interior damage: Photograph flooded floors, walls, ceilings, and damaged personal items.
- Water lines: Show watermarks to indicate floodwater levels.
- Exterior damage: Include affected areas like garages, fences, and landscaping.
This visual evidence substantiates your claim and helps reflect the true scope of damage.
2. Save Receipts and Financial Records
- Emergency repairs: Keep records of immediate actions to prevent further damage.
- Temporary housing: Document any alternate accommodation if you were displaced.
- Replacement items: Record any immediate replacements for essentials.
These records are essential for verifying your total claim amount.
3. Obtain Repair Estimates
- Get estimates from licensed contractors detailing the cost of restoring your property. This documentation strengthens your case by helping insurers understand the necessary scope of repairs.
4. Fill Out and Submit the Proof of Loss Form
- Policy details: Include your policy number and other identifiers.
- Damage descriptions: Provide detailed accounts of each damage and the estimated cost for repairs.
- Claim total: Base this on repair estimates and receipts.
Submitting this form early ensures enough time to address any additional requests from your insurer.
Why Filing on Time is Essential
The NFIP generally requires a 60-day deadline for submitting Proof of Loss, although extensions—such as the 98-day window for Hurricane Milton—are sometimes granted. Meeting the deadline ensures your claim remains valid; missing it could result in denial, leaving you responsible for repair expenses. Filling early also provides ample time for any follow-up requests from your insurance company.
When to Seek Professional Help
If you feel uncertain about the claims process, consulting a public adjuster or a flood insurance attorney can be invaluable. Elevate Legal Services, PLLC, has extensive experience in flood damage claims, offering guidance on documentation and helping clients receive their full compensation.
Contact Elevate Legal Services, PLLC
With 98 days remaining, now is the time to organize your documentation and file on time. For support, contact Elevate Legal Services, PLLC, at 561-770-3335 or [email protected]. Our team is here to ensure that your claim is handled accurately, allowing you to focus on recovery after Hurricane Milton.
