Another Hurricane Ike Deadline
by: Laurie Johnson, February 12, 2009 9:02:55 pm
The Proof of Loss document is required by the federal government for flood damage claims.
For all those in coastal communities where water came into their homes, the proof of loss document may be one of the most important things they need.
"It's a deadline. If you do not meet the line, you are dead."
That's Jim Burdette, a Houston attorney who says people need to take the March 10 deadline very seriously.
"It's a hard and fast rule. It is a statute of limitations, it is a prescriptive period, it is a bar to your claim, there is absolutely no way around the deadline."
FEMA Flood Insurance Specialist Gloria Prince says a proof of loss is a document that has to be submitted on any type of insurance claim, but this deadline applies to flood damage from Hurricane Ike.
"It's a document that states this is what happened, and when it happened and where it happened and this is what I lost. And these are all the people that have a financial interest in this item that I lost."
The federal government sets the March 10th deadline. And your insurance company can't pay your claim without this document.
"A lot of people are afraid to sign the proof of loss if they think it's not perfect and they want it perfect before the sign. And that's not necessary because just because you signed a proof of loss doesn't mean that you're not eligible for supplemental claims, additional damages."
The most important factor is not how thorough or complete the form is, but rather getting it in on time.
Prince says this is something that all homeowners should confirm has been completed by their insurance company. If your adjuster has not completed the form or you don't agree with the amount on the claim, you can fill one out yourself. For more information, view the Flood Smart-dot-gov website.
Laurie Johnson. KUHF-Houston Public Radio News.