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FEMA Extends Proof of Loss Deadline to One Year from the Date of Loss for Hurricane Harvey & Hurricane Irma

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Date:October 17, 2017

As a one-page statement which you sign and notarize, a Sworn Proof of Loss relates to a form that you turn into the insurer administering your claim that is required by the terms of your flood policy.   It assists the insurance company with determining the scope of your supplemental claim for property damage.  Typically, in a flood event an insured has 60-days to file their Proof of Loss for a Supplemental Flood Claim with the Federal Emergency Management Agency (FEMA).   You must also attach documentation supporting the amount of damages that you are reporting as part of your insurance claim at the time that you submit your Proof of Loss to the insurance company.    If you fail to file a Proof of Loss within the requisite time, you will be precluded from being able to file a lawsuit and recover additional proceeds from the insurance company. On September 3, 2017, FEMA issued Memorandum W-17030 regarding Hurricane Harvey which waived the sixty (60) day Proof of Loss deadline requirement for insureds seeking a supplemental claim, and extended the deadline for submitting a compliant Proof of Loss for Hurricane Harvey up to 365 days (one year) from the date of the loss event (on or about August 30, 2018).    On September 12, 2017, FEMA issued Memorandum W-17040 concerning Hurricane Irma which waived the sixty (60) day Proof of Loss deadline requirement for insureds seeking a supplemental claim, and extended the deadline for submitting a compliant Proof of Loss for Hurricane Irma up to 365 days (one year) from the date of the loss event (on or about September 11, 2018).    These extended deadlines enable policyholders to evaluate the full scope of flood damage to their property.   If you need assistance with filling out your Proof of Loss or with evaluating your flood claim, please contact our law firm directly by phone at (813) 343-3999 for a free case evaluation or by filling out the form on this page. https://bsa.nfipstat.fema.gov/wyobull/2017/w-17030.pdf https://bsa.nfipstat.fema.gov/wyobull/2017/w-17040.pdf

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