FEMA to extend the time to file SFIP Proof of Loss for NFIP flood claims from Hurricane Sandy

Apr 29, 2014 | News & Views, What's New

U.S. Department of Homeland Security
500 C Street, SW
Washington, DC 20472

April 28, 2014

MEMORANDUM FOR: Write Your Own Company Principal Coordinators, WYO Vendors, NFIP Direct Servicing Agent, and Independent Adjusting Firms

FROM: David L. Miller, Associate Administrator, Federal Insurance and Mitigation Administration

SUBJECT: Further Extension the Time to File a Standard Flood Insurance Policy Proof of Loss for National Flood Insurance Program Flood Claims Arising Out of Meteorological Event Sandy

The purpose of this bulletin is to further extend the deadline for Standard Flood Insurance Policy policyholders to send their proofs of loss with all documentation to fully support the amounts requested to their insurers. The SFIP proof of loss requirements are set forth in Section VII, Paragraph (J) of the Dwelling Form and the General Property Form and Section VIII, Paragraph (J) Residential Condominium Building Association Policy Form.

Bulletin W-12092a waived certain SFIP requirements and extended the time period for policyholders affected by Meteorological Event Sandy to send their proofs of loss to their insurer from 60 days to one year from the date of loss. Bulletin W-13060a further extended the time for policyholders affected by ME Sandy to send their proofs of loss to their insurer from one year to 18 months from the date of loss.

Because NFIP policyholders may have encountered difficulties filing a timely proof of loss, I am further extending the time period within which an insured must submit a signed and sworn to proof of loss (with all documentation to fully support the claim attached) by an additional six months. After this further extension, the time allowed to file a proof of loss is now 24 months after the date of loss. The authority for this waiver is found in Paragraph D of the General Conditions section of each SFIP and 44 C.F.R.§ 61.13(D).

This bulletin does not constitute a blanket waiver of the Proof of Loss requirements of the SFIP. All other provisions of Bulletin W-12092a shall apply.

Application: The terms of this bulletin apply only to flood damage caused by ME Sandy with the dates of loss beginning Oct. 25, 2012 and ending Nov. 6, 2012, in the states of FL, GA, SC, NC, VA, DC, MD, DE, WV, PA, NJ, NY, CT, RI, MA, NH, VT, and ME.

For Example: When the date of loss for the ME Sandy flood claim is Oct. 29, 2012, the policyholder must send a complete signed and sworn-to proof of loss, attaching all documentation to fully support the claim such as: paid receipts or invoices for completed repairs; detailed, itemized (room by room) unit cost, contractor’s estimate; photographs of damage or of repairs completed or in progress; and any other relevant documents to the insurer. With this further six month extension, the proof of loss for any additional amounts claimed by the insured over and above what has previously been allowed and paid, with supporting documentation, must be received by the insurer on or before Oct. 29, 2014.

We anticipate that this additional six-month extension will enable policyholders to timely present their claims. FEMA does not anticipate issuing any further extensions of the deadline to submit a proof of loss.

Authority: 44 C.F.R. § 61.13(d); 44 C.F.R. §§61, Appendices A (1), A (2) and A (3), General Condition (D); 44 C.F.R. § 62.23(k); 44 C.F.R. § 62, Appendix A (1), Articles ll (G) and IV (B); 42 U.S.C. § 4019.

Any other questions or comments should be directed to Russ Tinsley, AIC. Mr. Tinsley’s email address is

cc: Vendors, IBHS, and Government Technical Representative Required Reporting and Independent Adjusting Firms