FEMA Extends Deadline for Hurricane Ian Proof of Loss

Hurricane Ian Damage

After delivering the deadliest storm Florida has seen since the Labor Day hurricane of 1935, FEMA has issued a directive that extends the deadline to submit the Proof of Loss (POL) for a flood claim.

The FEMA announcement detailed which states are eligible for the extension, including Florida, Georgia, South Carolina, North Carolina, and Virginia.

The usual time frame for submitting a sworn Proof of Loss is 60 days. However, FEMA extended this deadline to 365 days from the loss date. It’s important to note that FEMA has also implemented a significant adjustment in its procedures. They’ve authorized NFIP (National Flood Insurance Program) to accept an Unsigned Adjuster’s Report instead of a signed Proof of Loss for claim evaluation and payment. This change aims to streamline the process and provide more flexibility for policyholders in the aftermath of property damage.

While FEMA has allotted insureds this extension to file their Proof of Loss with their insurance company, it is still vital to file your claim as soon as you possibly can. Your insurance company must inspect the property before you proceed with any repairs. However, you must mitigate the damage, meaning you need to protect the property from any further harm.

The claims process is difficult enough, don’t navigate it alone. Premier Claims experts guide you through the process, handle daunting tasks, and fight for your maximum payout.


Hurricane Ian to hit Florida: Prepare for the Storm


Hurricane Ida hit Louisiana in 2021, and now in 2022, Hurricane Ian is impacting Florida, with a projected hit on Thursday. Hurricane Charley arrived at 150 mph in 2004, but wind speed isn’t the sole threat of a hurricane. Storm surge and storm tide, life-threatening risks for Florida residents during Hurricane Ian, have prompted a Storm Surge Warning in Tampa. Rising water along the coastline will swell and can invade several miles inland. While you can’t prevent a hurricane from coming, you can take a few actions to prepare for the storm.

Hurricane Tips:

If your local officials direct you to evacuate, don’t hesitate. Your life means more than any possession. 

Have you located your property’s policy? 

A hurricane brings immense stress, damage, and chaos. Don’t let the worry of finding your policy add to the burden. Secure your vital documents now; this will save time and headaches after the storm passes and the community begins cleaning up.

Download the Premier Claims Hurricane Checklist here. For hurricane tips and guidance on how to prepare for the storm, follow Premier Claims. We’re ready to assist after the storm. Contact us today to ensure that you’re ready to manage any property damage.


Tips on Preparing for a Large Storm

Dealing with the aftermath of a large storm is stressful but strategic planning will make things easier. What can you do to prepare a storm?

1. Inspect Your Property

Take photos of your property including siding, the roof, and soft metals, like vents and gutters. This will create a record of the state of the property prior to the storm, which makes it easier afterward in the event of sustained damage.

2. Obtain a Copy of Your Insurance Policy

A full copy of your insurance policy is one of the most important documents you should always have on-hand.  Many policyholders are unaware of their coverages, deductibles, or exclusions. Oftentimes, a feature that saves you $$$ on your premium, just might impact your wallet even harder in the event of a claim.

3. Have A Working Back-Up Generator

Don’t get caught in the last-minute mania that invariably occurs every storm season – Generators are in high demand immediately prior and after a storm. If you have a generator— excellent! Double-check and make sure it’s in working order. If you don’t have one, avoid procrastination pitfalls and get one ASAP.

4. Add An Extra Layer of Protection

Anything is vulnerable to damage when storms throw their weight around, and that is especially true for windows. Boarding up windows with plywood will give them that extra layer of protection to avoid wind-driven rain from damaging the interior, which could be damage excluded in your policy.

5. Create An Inventory Of Your Property

When it comes to your personal property, documentation is key. Ensuring that documentation is retrievable post storm is crucial. Make sure you have digital copies of your documentation including photos of your property, receipts, or any other evidence related to your property.

6. Have An Emergency Bag

Have supplies ready incase of evacuation or if you get stranded on your property.

Include in your Emergency Bag:

Similar to generators, necessities like water will fly off the shelves in severe weather situations. Ensuring you are equipped with the essentials ahead of time will reduce the inevitable stress of the current circumstances.

**For additional tips to prepare for a storm check out Consumer Reports

7. Make A Evacuation Plan

Hopefully, you won’t need to execute it, but it’s important to have an evacuation plan in place. Having a plan prepared will enable you to get you and your loved ones to safety quickly.

Property damaged in the storm? Need a policy review?

You may want to consider hiring a Public Adjuster. Premier Claims is a Public Adjusting Firm, and we work for you, the insured. Your insurance agent may sell you insurance, but at the end of the day, they work for the insurance company. We work for YOU.