The deadline for filing a federal flood proof of loss for a Hurricane Gustav or Ike claim has been extended twice by the National Flood Program Administrator for a total of 270 days from the date of loss. That deadline is fast approaching, and if you have not yet filed a proof of loss, you should calculate your deadline and calendar the date now so that you do not miss it. Failing to timely and properly file a flood proof of loss is a bar to recovery of the claim.
To calculate your proof of loss filing deadline, count 270 days from your date of loss. For example:
- A September 11, 2008, Ike-related loss must have a proof of loss submitted by June 8, 2009.
- An August 28, 2008, Gustav-related loss must have a proof of loss submitted by May 26, 2009.
Policyholders should also keep in mind that:
- Federal flood proofs of loss must be delivered, not mailed (i.e., get it received and in the hands of the company listed on the policy by the deadline. Do not just send it to the adjuster on the deadline day); and
- The proof of loss should be submitted on the standard form utilized by FEMA, and it must be completely filled out.
You can read the February 20, 2009, extension letter here.