How Important is Completing my Own Proof of Loss for My Flood Claim?
Do I need to Complete my own proof of loss when I file a flood damage claim from a storm or hurricane?
It is the most important part of your claim. In fact, it is so critical that without a proof of loss you are likely forever barred from receiving additional insurance money. While the initial proof of loss requirement was waived by FEMA for victims of Hurricane Harvey, a proof of loss that complies with FEMA’s rules must be completed and submitted in order to receive any additional money from your insurance company.
FEMA’s rules regarding the proof of loss are complex and strictly enforced. You must use the FEMA Proof of Loss form, and provide the specific information and supporting documentation required. The proof of loss must be signed under penalty of perjury and must be supported by, among other things, a detailed, line item damage estimate to support the amount claimed in the proof of loss. It is up to you, the policyholder, to present and prove your loss to the insurance company.
It is essential that your proof of loss form is filled out correctly, per FEMA guidelines, and that you attach your own expert report. Do not think that simply attaching a contractor’s estimate will get you the recovery you deserve. At Long & Long, we have the experts and the expertise needed to complete your proof of loss. You don’t have to do it alone. We can help.