Deadline Approaching for Louisiana National Flood Insurance Policyholders

January 3, 2016

As the state braces for significant flooding from heavy rains in the Midwest, the Louisiana Department of Insurance is reminding National Flood Insurance Program (NFIP) policyholders in Louisiana of an approaching deadline regarding flooding that occurred in Spring 2015.

The Federal Emergency Management Agency (FEMA) authorized a 180-day extension for homeowners to file a Proof of Loss form. The extension applies to Louisiana policyholders who submit claims related to rains beginning on May 16, 2015 through June 16, 2015.

The filing deadline to claim damages is normally within 60 days of a flood loss.

For example, an NFIP policyholder who suffered a loss on May 16, 2015 would normally have until July 15, 2015 to submit a Proof of Loss form. With the extension, the policyholder must now submit the Proof of Loss form by January 16, 2016.

The form substantiates the insurance claim and is required before the NFIP will make payment. With this extension an NFIP policyholder now has a total of 240 days after the date of loss to provide a completed Proof of Loss form.

Gov. Bobby Jindal declared a state of emergency and the U.S. Army Corps of Engineers opened part of a massive flood control structure on Dec. 30, 2015, as the state prepared to deal with high water on the Mississippi and Red rivers, as well as other waterways.

Source: Louisiana Department of Insurance

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