On March 28, 2017, the Assistant Administrator for Federal Insurance, Federal Insurance and Mitigation Administration, issued a memorandum to Write Your Own (WYO) Company Principal Coordinators, NFIP Direct, and Independent Adjusters, titled “WYO Company Acceptance of Electronic Signatures” (W-17008).

It provides, in part:

To further improve the insured survivor experience and to reduce administrative burden, FEMA is approving and encouraging the use of electronic signatures on proofs of loss and other NFIP-related submissions. FEMA will not deny the legal effect, validity, or enforceability of a signature solely because it is in electronic form. (footnote omitted). WYO Companies should accept electronic signatures in accordance with their general business practices and applicable laws.

[Emphasis added].

While FEMA is approving electronic signatures and not requiring “original” signatures on proofs of loss and other NFIP-related submissions, the bulletin is still unclear regarding whether the WYO Company will accept a proof of loss signed electronically (with all required supporting documentation) via email or whether a policyholder is still required to mail the proof of loss to the WYO Company for receipt by the proof of loss deadline.

  • shirley heflin

    Dear Ms. Smith:

    Just curious how “electronic signatures” are notarized because all sworn statement(s) in Proof of Loss must be notarized.

    Respectfully,
    SHIRLEY HEFLIN
    Tampa, FL

  • shirley heflin

    Dear Ms. Smith:

    As a follow-up, so many ambiguities here but, then again, this is the law. Since all sworn statements in proof of loss must be notarized, I guess they’re accepting the Notary Public’s electronic signature as well, right?

    And since the Bulletin remains “unclear” as to everything that’s acceptable w/this procedure, some poor Insured’s claim will be denied. Anytime something is effected to make things “easier” for Insureds, it usually makes things worse!

    Respectfully,
    SHIRLEY HEFLIN
    Tampa, FL