In a bulletin issued on October 26, 2016, FEMA extended the deadline by thirty days for policyholders with Hurricane Hermine flood claims to file their completed, signed, and sworn to proof of loss. The Standard Flood Insurance Policy requires policyholders to file their completed, signed, and sworn proof of loss within 60 days from the date of loss, however, with this limited waiver, the deadline is now 90 days from the date of loss. Hurricane Hermine caused widespread flooding in Florida commencing on August 31, 2016 through September 9, 2016.
Property owners along the Florida, Georgia, South Carolina, and North Carolina coasts are currently dealing with the repercussions from Hurricane Matthew. It is possible that FEMA will similarly extend the proof of loss deadline for these claims, however policyholders should still endeavor to file their proofs of loss within 60 days from the date of loss. This deadline cannot be extended without written approval from FEMA.
Florida licensed public insurance adjusters handing Hermine and Matthew claims on behalf of Florida policyholders interested in learning more about NFIP flood claims and proof of loss requirements should not miss Chip Merlin’s presentation titled “Hurricane Matthew — Tips You Need to Know to Avoid Getting Swamped by the National Flood Insurance Program” at the upcoming Florida Association of Public Insurance Adjusters (FAPIA) Fall Conference in Orlando, Florida, November 6-8, 2016. For more information and to register for the conference, go to www.fapia.net.