Deadline for flood insurance claims | insurance, flood, claims - News ...

The deadline for submitting Proof of Loss for North Carolina flood insurance claims from Irene was extended an additional 30 days.

Hurricane Irene survivors with flood insurance claims in North Carolina have until Wednesday Nov. 23 to file Proof of Loss with the insurance company that issued them a National Flood Insurance Program Standard Flood Insurance Policy, according to a Federal Emergency Management Agency release.

Proof of Loss, which must be signed and sworn to, must include a detailed estimate and other supporting documentation to replace or repair the flood-damaged property. Survivors with questions or concerns about flood insurance claims may call a toll-free hotline for help at 855-336-2002.

NFIP advises policy holders to ensure that their signed and sworn Proof of Loss, with supporting documentation, is received in the insurance carrier?s office by Wednesday Nov. 23, to avoid missing the deadline. Submitting the Proof of Loss to an insurance agent instead of the insurance company, or putting it in the mail on the deadline, will not meet the Proof of Loss requirement, the release states.

At the time Hurricane Irene struck Aug. 27, there were 113,784 NFIP policies in effect in the 38 counties designated in the disaster declaration. As of Nov. 1, the National Flood Insurance Program reported 9,000 claims had been filed. The program is administered by FEMA, working with insurance companies.

A Flood Insurance Claims Handbook (FEMA Publication F-687) explains the process of filing and appealing claims. It is available online at floodsmart.gov/toolkits/flood/downloads/NFIP-FloodInsuranceClaimsHandbook.pdf.

After the Proof of Loss is submitted, if the property owner notices additional damage the owner may file a supplemental Proof of Loss, documenting the newly discovered damage, as long as it is within the 90-day time period allowed by the extension granted by FEMA. If new damages are discovered and a claim for additional damages is presented after the 90 days, the insured must request a waiver of the time limitation from FEMA in order to submit the claim, the release states.

If a property owner disagrees with the insurance company?s final determination of the claim, the owner may appeal. The owner should:

Talk with the adjuster.

If not satisfied, talk with the adjuster?s supervisor.

If still not satisfied, contact the insurance company?s claim representative.

After taking those steps, the owner may contact FEMA by writing at Federal Emergency Management Agency; Mitigation Directorate ? Federal Insurance Administrator, 1800 South Bell St. Arlington, VA 20598-3010

Those who have sustained disaster-related damage should register with FEMA. The deadline for registration is Nov. 30. There are three ways to register with FEMA:

Call 800-621-3362. Help is available in most languages. People who have a speech disability or are deaf or hard of hearing may call (TTY) 800-462-7585; register online at www.DisasterAssistance.gov; register using a tablet or smartphone by visiting m.fema.gov

Source: http://www.jdnews.com/news/insurance-97646-flood-claims.html

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