If your property experienced flood damage due to Hurricane Milton, you have 99 days left to submit your Sworn Proof of Loss (POL) form. This legally required document is essential for processing your flood insurance claim, ensuring you receive the compensation you’re entitled to. Missing this deadline could put your claim in jeopardy. For expert guidance on navigating the process, contact Elevate Legal Services, PLLC, at 561-770-3335 or via email at [email protected]. Our team is here to help you with comprehensive support, ensuring your documentation is complete and timely.
What is Sworn Proof of Loss?
A Sworn Proof of Loss (POL) is a signed, sworn statement that provides a detailed overview of the flood damage to your property and the amount you are claiming from your insurance provider. Required under the National Flood Insurance Program (NFIP), this document includes descriptions of the damage, estimated repair costs, and supporting evidence such as receipts, photographs, and professional repair estimates. Filing a complete and accurate POL within the 99-day window ensures your claim moves forward without unnecessary delays.
Steps to File Your Sworn Proof of Loss
Here’s a step-by-step guide to ensure your Proof of Loss is filed accurately:
1. Document All Damages Thoroughly
Start by taking clear, high-resolution photos and videos of every area impacted by the flood, including:
- Interior Damage: Document walls, floors, ceilings, and personal items like furniture and appliances.
- Water Lines: Show watermarks on walls and other surfaces to illustrate how high the floodwater rose.
- Exterior Damage: Include garages, fences, landscaping, and other structures affected by the flood.
These images will help support your claim by providing detailed visual evidence of the extent of damage.
2. Collect Receipts and Financial Records
Organize receipts and invoices for any flood-related expenses, including:
- Emergency Repairs: Costs for immediate fixes, such as securing broken windows or drying out waterlogged areas.
- Temporary Housing: Hotel or rental property expenses if you have to relocate temporarily.
- Replacement Items: Receipts for essential items that needed replacement after the flood.
Having these financial records in order will support the accuracy of the amount you’re claiming.
3. Get Repair Estimates
- Obtain detailed repair estimates from licensed contractors to help justify your claim amount. These estimates will provide an accurate view of the costs needed to restore your property, supporting the figures provided in your Proof of Loss.
4. Complete and Submit the Proof of Loss Form
Your insurance provider will supply the official Proof of Loss form. Fill it out carefully with:
- Policy Number: Include all identifying insurance information.
- Damage Descriptions and Cost Estimates: Provide accurate and detailed descriptions of the damage along with repair costs.
- Total Claim Amount: Supported by your gathered documentation, this should reflect all damage-related expenses.
Attach all necessary evidence, including photos, repair estimates, and receipts, to create a well-substantiated claim.
Importance of Filing on Time
The timely submission of your Proof of Loss form by the 99-day deadline is essential for claim approval. Typically, the NFIP requires the form within 60 days of the flood event, though extensions—like this one for Hurricane Milton—are sometimes granted. Missing this extended deadline could result in a claim denial, leaving you responsible for repairs and recovery costs. Filing ahead of the deadline allows you to address any questions or additional requirements from your insurer, facilitating smoother claim processing.
When to Consider Professional Assistance
Filing a flood insurance claim can be overwhelming, especially if you’re managing extensive property damage. If you’re uncertain about the documentation or would like support, consider consulting with a public adjuster or flood insurance attorney. Elevate Legal Services, PLLC, has extensive experience in helping clients navigate complex flood claims, ensuring they receive the maximum compensation they’re entitled to. Our team can assist with documentation, claim submission, and any necessary negotiations with the insurer.
Contact Elevate Legal Services, PLLC for Guidance
With 99 days remaining to file your Sworn Proof of Loss for Hurricane Milton-related damage, now is the time to act. Gather your documentation, track expenses, and submit your claim early to avoid any last-minute complications. For professional assistance, reach out to Elevate Legal Services, PLLC, at 561-770-3335 or [email protected]. We’re committed to helping you navigate the insurance process, ensuring your claim is both accurate and timely, so you can focus on recovering and rebuilding.
