On Property Insurance Claim Tips Blog

For those who have National Flood Insurance, we encourage you to review and pay close attention to your flood policy’s terms and conditions. The policies issued by the National Flood Insurance Program (NFIP) are unique because they fall under a Federal Government program with its own rules and regulations. As an example, the NFIP policy requires you to file a proof-of-loss within 60 days of the flood event. In layman terms, you must have figured out your loss and arrived at a sum certain amount to put on a document called a “proof of loss” and have it submitted to the appropriate person handling your claim. Unless this time period (60 Days) is waived by an authorized official of FEMA/NFIP the claim may be denied in total for failure to comply with the policy terms and conditions.

Well it’s that time of year again.  No, not tax time.  All the flood adjusters from all over the country are attending the Federally-mandated annual flood certification training.  Over the course of several months, flood adjusters attend training workshops from coast to coast in order to receive certification to adjust flood claims.  No adjusters, even seasoned adjusters with years of experience, can adjust flood claims without having gone through the eight-hour long course each and every year in order to keep their flood certification status active.