The National Flood Insurance Program ("NFIP") allows an insured person to submit supplementary proof of loss that adds to or modifies a previously submitted version. To be valid, the supplementary proof of loss must be submitted within 60 days of the loss. No exception allows the insured to submit supplementary proof of loss after the 60 days, even if the insured later determines that the flood damage that occurred exceeds the amount stated in the original proof of loss.
Although the supplementary evidence of loss. submitted on time, additional payments are not allowed under the provisions of standard flood insurance if the insured has already accepted payment for the full amount at the time of his first proof of loss. When a claim for a flood insurance has been adjusted, paid and approved, an insured is therefore not entitled to submit an additional claim even upon subsequent discovery that the seriousness damage was greater than previously thought. 1
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1 Ambassador Beach Condo. v. Omaha Prop. and Cas. Ins. Co. 152 F.Supp.2d 1315 (N.D. Fla. 2001).