NFIP Waiving Requirement to Submit Initial Proof of Loss for Harvey Claims
1. After a policyholder files a claim, a time is set up for the adjuster to inspect the flood damaged property. The adjuster will document the damage and submit a report to the policyholder's insurance company.
2. If additional damage is discovered or a policyholder does not agree with the payment amount, a policyholder can seek additional payment if the policy's coverage limits have not been met. A POL will be required to seek supplemental payment on the claim.
If payment is issued based upon the adjuster's initial report and the policyholder does not seek additional payment (using a POL), the insurer will close the file. If a policyholder requests an additional payment, he/she must complete a POL and submit it to the insurance company within one year of the date of the flood loss. FEMA has informed all of its NFIP insurance partners about this process.
The enhanced flood claims process was developed for Louisiana policyholders affected by Tropical Storm Harvey due to the extent and magnitude of the event. These enhancements do not apply to claims filed as a result of flooding during previous events, including claims for the March and August floods in 2016.
NFIP policyholders are encouraged to contact their insurance company and report a flood claim as soon as possible. If someone is unsure if he/she has flood insurance with the National Flood Insurance Program; does not know how to contact his/her agent or company; or has an NFIP Direct policy, call 1-800-621-3362, select option 2, and speak with the NFIP call center. The TTY number is 1-800-462-7585.
From the office of U.S. Senator Bill Cassidy (LA)