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The original item was published from 1/5/2022 5:33:28 PM to 2/1/2022 12:00:03 AM.

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Public Works - News

Posted on: January 5, 2022

[ARCHIVED] Important Message for Anyone Filing National Flood Insurance Damage Claims

If you have flood insurance through the National Flood Insurance Program and you filed a claim for flood damages, it’s important that you submit your Proof of Loss form within 60 days of the date of loss. Time is running out to submit this paperwork within the 60 day window. 

If you are approaching the 60-day deadline for filing the Proof of Loss form and have not received information from the claims adjustor, then in addition to completing the Proof of Loss form on your own, please contact Scott Van Hoff at FEMA at [email protected].

Take the time to fill out the form and collect supporting documents:

  • You need to provide supporting documents with the form, like your building damage estimate and a personal-property loss inventory list.
  • Don’t forget to sign it.
  • Even if you are not satisfied with the adjuster’s loss estimate, it’s important that you submit the Proof of Loss form within 60 days after your date of loss:
    • Your adjuster will give you a detailed loss estimate, and you should review it to see if they forgot something or got something wrong.
    • Your adjuster may have provided you a Proof of Loss form and helped you fill it out. You can submit this form, even if you think the adjuster missed some items, because you can submit a supplemental claim later.
    • If you have not received information from the claims adjustor, then in addition to completing the Proof of Loss form on your own, please contact Scott Van Hoff at FEMA at [email protected]. 
    • Or, you can fill out a Proof of Loss form on your own.

The FEMA claims handbook also has messages on Proof of loss you may want to use. Specifically, Page 6, section 2.3:

2.3 Supporting Your Claim 2.3.1 Supporting Your Claim Requires a Proof of Loss You must support your flood claim with a Proof of Loss detailing the information required by your flood insurance policy. You must submit a completed and signed Proof of Loss with all supporting documentation to your insurance company within 60 days of the loss. The Proof of Loss includes a detailed estimate of the cost to replace or repair the damaged property. In most cases, the adjuster provides you with a suggested Proof of Loss. It is your responsibility to make sure your Proof of Loss is complete, accurate, and filed in a timely manner to meet the requirements of your policy. Be sure to keep a copy of the Proof of Loss and copies of all supporting documentation for your records. The Proof of Loss is not the claim, but is one document that supports your claim. 2.3.2 Extensions Beyond 60 Days After a severe flood, FEMA may authorize Proof of Loss extensions. FEMA notifies your insurance company if this is the case. It is your responsibility to send your Proof of Loss to your insurer by the deadline, whatever the date may be, with or without an extension.

You can read the Claims Handbook F-687_9_28_17_Final_r2 (fema.gov)

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