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Hurricane Ian Flood Deadline for Proof of Loss Extended | Property Insurance Protection Law Blog



Today, The National Flood Insurance Program (NFIP) issued Bulletin W-22012 — Hurricane Ian claims payment process, which describes the claims process and liability of the NFIP insurers (WYO Companies and NFIP Direct) for Hurricane Ian claims. You can read the bulletin here.

Standard flood insurance requires policyholders to submit their completed, signed and sworn proof of loss within 60 days of the date of loss.

This bulletin is important because the NFIP has extended the deadline for proof of loss to 60 days. The deadline to submit a compliant proof of loss for Hurricane Ian is 365 calendar days from the date of loss.

We commend the NFIP for granting this extension, as it has for previous storms, including Hurricane Ike, Superstorm Sandy, Hurricane Harvey, and Hurricane Hermine, as noted in:

This extension will give policyholders additional time to evaluate their losses, adjuster̵

7;s reports and provide all supporting documentation for their flood loss.

The bulletin also provides adjusters with a conditional waiver to evaluate and pay claims based on an unsigned adjustment report, by waiving the requirement that the policyholder sign the adjustment report.


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