Because the clock ticks down, I’ve been receiving a surge of calls and emails from involved public adjusters concerning the approaching deadline for submitting Nationwide Flood Proofs of Loss. FEMA prolonged the deadline for one year 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 Significance 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. Subsequently, it’s crucial to test after which re-check to make sure that you might have precisely and comprehensively filed the proof of loss.
Don’t Miss the Deadline
Bear in mind, the prolonged deadline could have been an invite to procrastinate or assume you might have correctly accomplished the proofs of loss; it’s a chance to refine your work and guarantee its accuracy. Lacking this deadline may have extreme repercussions on your shoppers and will mirror poorly in your skilled popularity. The three greatest errors will not be utilizing the permitted kind, assuming any kind is suitable, not delivering the right kind on time to the precise 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 significant deadline, I urge you to revisit your information, double-check your documentation, and make sure that all the things is so as. Your shoppers are counting on you to safeguard their pursuits. That is one space the place there isn’t a room for error.
Here’s a guidelines I recommend is a minimal to be adopted:
- Did you utilize the licensed kind? Many public adjusters and policyholders are utilizing their very own types relatively than the one and solely licensed kind from FEMA. Use solely the present FEMA kind.
- 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 kind.
- Did you ship it to the precise place? Sending it to the sector adjuster with the impartial disaster claims group will not be the precise place. The coverage lists the Write Your Personal Service and the handle the place it have to be despatched. A replica of that, with all of the documentation, must also be despatched to the sector adjuster. Ship 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. In a single day United States mail to each the insurer and the sector adjuster, with each getting all of the documentation, is a lot better.
- Is the documentation full? Estimates, photographs 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 gadgets you wish to have as a part of your proof of harm, and quantities owed must be included. However circumstances have been misplaced as a result of there was not an estimate of harm and supporting documentation despatched with the proof of loss kind.
- Did you full the proof of loss in its entirety? You can not put, “to be decided.” Many public adjusters and policyholders incorrectly submit it this manner as a apply. This could lose your flood case as nicely. Put greenback figures for every area 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 they’d mailed all the things 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.
Right here’s yet one more factor so as to add to your guidelines: Join our upcoming Hurricane Ian Seminars for Public Adjusters! Subjects will embody statutory deadlines and roof injury. Earn 2 CE credit and meet with Merlin Legislation Group attorneys for claims questions and session. Click on right here to register: https://web page.merlinlawgroup.com/hurricane-ian-seminars. Particulars beneath:
Fort Myers | Thursday 9/28
Hilton Backyard Inn Ft. Myers Airport/FGCU
16410 Company Commerce Method
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 Path
St. Augustine, FL 32092
Tampa | Thursday 10/5
The Westin Tampa Waterside
725 S Harbour Island Blvd
Tampa, FL 33602
Night Thought About Nationwide Flood Proofs of Loss
Belief, however confirm.
—Ronald Reagan