Strolling via my native South Tampa group, the devastation from Hurricane Helene flooding is widespread, as is sadly true throughout the State of Florida and lots of different states. Many insureds and even insured representatives have by no means handled a flood insurance coverage declare and the intricacies of the Nationwide Flood Insurance coverage Program. Assets can be found on the fema.gov web site, and I’m highlighting a number of paperwork to help in navigating a flood insurance coverage declare right here.
First, simply as with all home-owner’s, industrial or condominium loss, it’s a must to learn the insurance coverage coverage. Hyperlinks to the newest variations of the dwelling, common property, and residential condominium constructing affiliation coverage varieties can be found right here:
Second, it’s a must to know and perceive the foundations the Nationwide Flood Insurance coverage Program performs by. The NFIP Claims Guide is the rulebook and contains detailed data relating to protection purposes and required proofs.
I’m additionally together with a hyperlink to the NFIP Claims Handbook. This could possibly be useful to share with insureds to offer them an summary of the flood insurance coverage declare course of.
Lastly, as in all NFIP claims, there may be at present a 60-day deadline to submit a proof of loss if the insured disputes the insurance coverage provider’s estimate of damages. Given the variety of insureds affected by Hurricane Helene, this deadline will doubtless be prolonged (I anticipate to at least one 12 months), however till it’s prolonged, the deadline to calendar is November 25, 2024.
Remark with any flood matters you prefer to addressed within the coming days and weeks.