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As the clock ticks down, I’ve been receiving a surge of calls and emails from involved public adjusters concerning the approaching deadline for submitting National Flood Proofs of Loss. FEMA prolonged the deadline for three hundred and sixty five days from the date of Hurricane Ian. It’s essential to not miss the deadline to ship, not simply mail, the complete and proper proof of loss is that this week. You solely have a few days to get this appropriate.
The Importance of Double-Checking Your Work
I can not stress sufficient the significance of meticulously reviewing your submissions. A single oversight or error may jeopardize your shopper’s declare, resulting in denials merely as a result of a well timed proof of loss was not accomplished and delivered correctly. Therefore, it’s crucial to examine after which re-check to make sure that you could have precisely and comprehensively filed the proof of loss.
Don’t Miss the Deadline
Remember, the prolonged deadline might have been an invite to procrastinate or assume you could have correctly accomplished the proofs of loss; it’s a possibility to refine your work and guarantee its accuracy. Missing this deadline may have extreme repercussions in your shoppers and will replicate poorly in your skilled fame. The three greatest errors aren’t utilizing the accredited type, assuming any type is appropriate, not delivering the right type on time to the correct place, and never together with all of the backup for the quantities claimed with the proof of loss.
Act Now
So, as we method this important deadline, I urge you to revisit your recordsdata, double-check your documentation, and make sure that every thing is so as. Your shoppers are counting on you to safeguard their pursuits. This is one space the place there isn’t a room for error.
Here is a guidelines I recommend is a minimal to be adopted:
- Did you utilize the licensed type? Many public adjusters and policyholders are utilizing their very own types slightly than the one and solely licensed type from FEMA. Use solely the present FEMA type.
- Did you enclose with the proof of loss all of the documentation? It have to be submitted with the shape and never individually. A federal flood proof of loss is the licensed type.
- Did you ship it to the correct place? Sending it to the sphere adjuster with the unbiased disaster claims group is just not the correct place. The coverage lists the Write Your Own Carrier and the deal with the place it have to be despatched. A replica of that, with all of the documentation, also needs to be despatched to the sphere adjuster. Send it in a single day with a request for proof of supply – licensed mail can take without end, get misplaced, and never delivered on time. Overnight United States mail to each the insurer and the sphere adjuster, with each getting all of the documentation, is significantly better.
- Is the documentation full? Estimates, pictures of harm, movies of harm, lists of the contents at RCV and ACV, invoices for actual property injury repaired and contents changed, and some other objects you need to have as a part of your proof of harm, and quantities owed ought to be included. But circumstances have been misplaced as a result of there was not an estimate of harm and supporting documentation despatched with the proof of loss type.
- Did you full the proof of loss in its entirety? You can not put, “to be determined.” Many public adjusters and policyholders incorrectly submit it this fashion as a follow. This can lose your flood case as effectively. Put greenback figures for every house on the shape.
- Is it signed by the policyholder? It have to be signed and never left clean. I’ve watched many public adjusters have a look at their file after telling me a proof was filed to search out that the proof was not signed and that that they had mailed every thing to the claims adjuster early, hoping to get the case resolved. They later discover that they by no means went again and formally filed a proof with it signed and with all of the backup documentation.
Here’s yet another factor so as to add to your guidelines: Sign up for our upcoming Hurricane Ian Seminars for Public Adjusters! Topics will embody statutory deadlines and roof injury. Earn 2 CE credit and meet with Merlin Law Group attorneys for claims questions and session. Click right here to register: https://page.merlinlawgroup.com/hurricane-ian-seminars. Details beneath:
Fort Myers | Thursday 9/28
Hilton Garden Inn Ft. Myers Airport/FGCU
16410 Corporate Commerce Way
Fort Myers, FL 33913
Miami | Monday 10/2
Hilton Aventura Miami
2885 NE 191st St.
Aventura, FL 33180
Jacksonville | Wednesday 10/4
World Golf Village Renaissance St. Augustine
500 South Legacy Trail
St. Augustine, FL 32092
Tampa | Thursday 10/5
The Westin Tampa Waterside
725 S Harbour Island Blvd
Tampa, FL 33602
Evening Thought About National Flood Proofs of Loss
Trust, however confirm.
—Ronald Reagan