The Federal Emergency Management Agency (FEMA) has granted an extension for Louisiana National Flood Insurance Program (NFIP) policyholders affected by August’s severe storms and flooding to file proof-of-loss claims.
Louisiana Insurance Commissioner Jim Donelon earlier this month asked FEMA to extend the filing deadline for Louisiana policyholders affected by the record flooding in mid-August.
NFIP insureds impacted by the flooding now have 120 days from the date of loss to file a flood insurance claim. The extension doubles the 60-day deadline NFIP usually requires for policyholders to submit a fully documented, signed and sworn proof-of-loss claim.
FEMA determined Louisiana policyholders need more time to file claims given the recent flooding’s magnitude.
Filing a proof-of-loss is necessary even after a claim for flood damage has been filed. The proof-of-loss is a sworn statement of the amount a policyholder is claiming including necessary supporting documentation. The form must contain the specific details required by the standard flood insurance policy. This document substantiates the insurance claim and is required before the NFIP can make payment.
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