I wanted to remind all Hurricane Sandy victims that all National Flood Insurance Program proofs of loss are due by October 29, 2013. By FEMA directive, the time limit for filing a proof of loss was extended to one year from the date of loss.

If you are going it alone, the flood proof of loss form can be downloaded by clicking here. The form is straightforward, but an insurance claims professional, such as a public adjuster or experienced policyholder attorney, can make certain you are following all proper protocols and not shortchanging yourself on your claim.

I came across an interesting article explaining the undisclosed costs of Sandy. Shore towns rely heavily on the income produced by their beaches, and according to a survey, sales of beach tags are down by at least $4 million across Monmouth and Ocean county beaches.