NATIONWIDE FLOOD INSURANCE CLAIMS
DEADLINE TO FILE A HURRICANE HELENE FLOOD DAMAGE insurance CLAIM.
Elevate Legal Services, PLLC are the industry leaders in federal flood claims throughout the United States. Flood insurance policies are governed by federal law, not state law. That means the rules are the same no matter what state you reside in. Importantly, the requirements to comply with the terms and conditions of federal flood insurance policies are strict and unforgiving. If you fail to comply with your obligations under the policy, you will have no recourse to recover the money you are owed for your flood loss. Therefore, we strongly urge you to call us immediately after sustaining flood damage. Let our team of experienced attorneys and staff take the pressure off you and get your claim paid quickly and for the amount of money you deserve. Contact our expert attorneys team in Nationwide Flood Insurance Claims.
We Fight For You After A Flood
Floods are an age-old problem throughout the United States and have become more and more common with global warming. If your home or business has been damaged by flood waters, our dedicated intake team and flood attorneys can help. Also, please remember that flood damage is different than hurricane damage. Flood damage is caused by rising water. Rising water that causes damage to your property is covered by your flood insurance policy. Wind and wind driven rain, which usually affects your roof, is covered by your wind policy. Retaining us is easy and we are only paid if we make a recovery for you.
If You Have Flood Damage, Don't Wait. Contact Us For A Case Evaluation Today.
Our trusted flood damage insurance claims attorneys understand the extreme harm a flood can do to your home, condominium, garage, and possessions.
Whether the flood damage was caused by a hurricane, storm, rain, or a broken pipe, if your insurance company offers you less than your repairs and replacement requirements cost, our law firm can help you fight for the true amount your insurance policy covers.
Our intake professionals and flood attorneys have helped thousands of policyholders with the questions they have after a loss. In so many ways, our intake professionals and attorneys are just like you. They have homes, families, jobs, and bills, and many have suffered through the same disasters you live through. But, they not only have the empathy needed to walk alongside you through the disaster, they also have the dedication, devotion, and experience to help you reach the other side.
Whether your home or business has only a few inches of water or many feet of water, flood insurance is there to help. But that’s only if you know how to navigate the flood of paperwork and questions that are inevitably thrown at you following your loss. The Nationwide Flood Insurance Program, also known as the NFIP, can be complicated and flood claims are subject to very stringent time requirements. Missing specific deadlines or making a simple mistake on a form can result in your flood claim being denied. Don’t be victimized twice.
Before A Flood
It is always helpful when our clients have taken cell phone photographs and videos of their homes before a flood. The before-and-after images provide us with a stark contrast which is very compelling evidence we can use when presenting your claim.
Also, take cell photographs of the make, model and serial numbers of all your appliances and electronics.
Take cell photographs of the Declarations Sheet of your insurance policies and the insurance carrier’s phone number on your policies. After a flood, you may not be able to find those documents, or they may be damaged. Having cell phone photographs will help if you ever need to file a claim later.
After A Flood
Call Elevate Legal Services, PLLC immediately and let us report your claim immediately to your insurance agent or insurance carrier. Your flood policy has strict deadlines and protocols like reporting and submitting a valid proof of loss statement within a very short window. These are just to name a few. If you fail to comply with any of the requirements contained in your flood insurance policy, there will be no recourse which will allow our law firm to help you. We may be able to help you get immediate and emergency help from FEMA if you call us immediately.
Document Your Damage, Receipts, Invoices And Letters
Be sure to photograph your damage. The more photographs and videos you have of your flood damage, the better we are able to present your claim.
Take photographs of the make and model of all your damaged appliances and electronics. Make sure to try to capture serial numbers and model numbers, if possible.
Don’t worry about taking too many photos or videos. The more the better.
You should also photograph all your receipts, invoices, and all letters you send or receive. This allows you to be able to have those receipts, invoices, and letters handy at all times and also allows you to email or text them to us to keep your file updated in real time. You should also keep all your receipts, invoices, and letters.
The Statute Of Limitations To File A Lawsuit
The National Flood Insurance Program (“NFIP”) is fraught with difficulties regarding the collection of amounts when there is a disagreement. Federal flood claims are very difficult because the laws that govern Federal flood claims are strictly construed so that many flood claims are lost on very technical details, and time is of the essence to do everything correctly. Many insureds do not realize that any failure to comply with all of the duties imposed by the Standard Flood Insurance Policy (“SFIP”) on an insured following a flood loss can be fatal to an otherwise valid flood claim.
Our team at Elevate Legal Services has reviewed countless flood claims. One of the most common, if not the most common reason we’ve seen flood claims invalidated is due to a failure by the insured to file a lawsuit before the applicable statute of limitations runs out.
If you cannot resolve a dispute related to your flood insurance claim, you must file suit before the “statute of limitations” runs out. That term refers to a deadline that cuts off your right to sue. For flood insurance claims, the deadline is 12 months after the mailing date of any notice denying your claim or any part of your claim. Statutes of Limitations can be confusing and they are scary. If you “blow” a statute of limitations there are serious economic consequences. A partial denial, even an innocuous one made before a formal proof of loss is submitted by an insured, may trigger the start of the one-year statute of limitations to file a lawsuit. Contact our expert attorneys team in Nationwide Flood Insurance Claims.
Proof of Loss Deadline
The National Flood Insurance Program (“NFIP”) is fraught with difficulties regarding the collection of amounts when there is a disagreement. Federal flood claims are very difficult because the laws that govern Federal flood claims are strictly construed so that many flood claims are lost on very technical details, and time is of the essence to do everything correctly. Many insureds do not realize that any failure to comply with all of the duties imposed by the Standard Flood Insurance Policy (“SFIP”) on an insured following a flood loss can be fatal to an otherwise valid flood claim.
Our team at Elevate Legal Services has reviewed countless flood claims. One of the most common, if not the most common reason we’ve seen flood claims invalidated is due to a failure by the insured to timely submit a complaint proof of loss forms with appropriate accompanying documentation.
If you have an NFIP policy and your home was damaged or destroyed by flooding, you must comply with the program’s requirement by completing and submitting Proof of Loss forms with supporting documents before the deadline. The deadline to submit a complaint proof of loss form with appropriate accompanying documentation is within 60 days from the date the flood loss occurred. After this hard deadline comes and goes, there is essentially no way to fix non-compliance, and the non-compliance will almost certainly be fatal to the claim.
Time is of the essence with flood damage insurance claims. If you have damage, contact us today for your free case evaluation.