Insurance Tips for Louisiana Disaster Recovery
Below is some basic information regarding insurance for disaster recovery:
- The Federal Emergency Management Agency (“FEMA”) announced that policyholders under the National Flood Insurance Program (“NFIP”) will be granted a 60-day extension to file a Proof of Loss with supporting documentation for claims related to the August 2016 flooding. This doubled the previous 60-day deadline imposed by the NFIP from the date of the flood event. See the FEMA announcement regarding the 60-day extension here.
- A Proof of Loss package should include an itemization of damaged items, with photographs, receipts, and other supporting documentation evidencing the value of the damaged items. A Proof of Loss is necessary for the NFIP to make payment on a claim. You can read more about a Proof of Loss here.
- Understanding flood maps can help assess risk for your residence and business. If you do not currently have flood insurance with the NFIP, or would like to learn more about different types of residential and commercial coverage, you can learn more at www.floodsmart.gov, which also contains various policyholder resources.
- Contact your insurance company or call FEMA with any questions: 1-800-621-FEMA (3362), Monday through Friday from 8:00 a.m. to 6:00 p.m.