Tag Archives: Proof of Loss

Where Do I Mail the Signed NFIP Proof of Loss?

At the Florida Association of Public Insurance Adjusters (FAPIA) Fall Conference last week, I was speaking with a public adjuster about the impeding 60-day deadline for his clients to submit their signed, sworn, proofs of loss for Hurricane Matthew flood claims. For public adjusters who have not handled many flood claims in the past, this … Continue Reading

Hurricane Matthew Updates Via Email

If you or your clients have suffered a flood loss, it is critical that the proof of loss is properly filled out and promptly submitted. In recent seminars, Chip Merlin has addressed Hurricane Matthew damages caused by both wind and flood. In the seminars he specifically details how handling flood losses differ greatly from handling … Continue Reading

Flood Property Damage Tools for Owners and Adjusters

2016 has been year of unprecedented floods in many areas of the Southeast. Many who thought there were on high ground in places like Baton Rouge, Louisiana, or Fayetteville, North Carolina, are still trying to comprehend the devastation of the flooding from August and October in their retrospective states. Florida, Georgia, and South Carolina residents … Continue Reading

Recent Florida Case on Submission of Proof of Loss – Why is There Not a Fact Question for the Jury to Decide?

Florida’s 4th District Court of Appeals (“4th DCA”), recently issued an opinion relating to compliance with post-loss duties in a property insurance case.1 The issue centered on whether the policyholder breached their duties under the insurance contract by not timely submitting a sworn proof of loss. The trial court decided that the policyholder could not … Continue Reading

Waiver of Flood Proof of Loss Requirement by FEMA Must Be Express and In Writing

Those familiar with Super-storm Sandy claims are aware that FEMA can extend/waive the formal proof of loss requirement within the Standard Flood Insurance Policy (“SFIP”) under the National Flood Insurance Program (“NFIP”). FEMA has extended the proof of loss deadline for Sandy claims until October 29, 2014. But what about flood losses that affect an … Continue Reading

Federal Court Rules Insured Who Has Accepted a Settlement Agreement Cannot Assert Additional Claim Based on Amended Proof Of Loss

Before you agree to settle your insurance claim, make sure that you have no additional or supplemental claims stemming from the original you want to collect on. A federal court recently ruled in favor of the carrier on a motion for summary judgment on the issue of whether an insured could assert an additional claim … Continue Reading
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