WWL: Another extension sought for Aug. ’16 flood victims

Louisiana Insurance Commissioner Jim Donelon has asked FEMA for a fifth deadline extension for victims of the August 2016 floods to file their sworn proof of loss claims.

Donelon sent the letter Tuesday, requesting that the deadline to be pushed back from Sept. 1 to Dec. 31. Unless FEMA agrees, Sept. 1 is the date by which flood victims must have their final losses certified and itemized for reimbursement from their insurers, who administer the government’s National Flood Insurance Program on FEMA’s behalf.

Usually, flood victims have 60 days from a flood event to get their losses confirmed and a sworn proof of loss form filed with FEMA. But extensions are often granted for major floods. Victims of Hurricane Sandy, for example, got two years to file their final proof of loss claims.

Donelon has already succeeded in convincing FEMA to give Louisiana victims a full year to file their final claims forms by arguing that the flooding in the Baton Rouge area and other parts of south Louisiana was one of the largest flood disasters in the 50-year history of the federal flood insurance program.

“I am told by my staff that there are still thousands of victims of that flood dealing with contractors and the challenges presented by their repair efforts in a very tight construction market,” Donelon wrote to FEMA’s assistant NFIP chief, David Maurstad.

Almost 30,000 Louisiana residents have filed claims with the NFIP. Donelon attached photographs of ongoing repair efforts to illustrate the challenges Louisiana flood victims are still facing.

– David Hammer, WWLTV

© 2017 WWL-TV

Read the original article here. 

Frequently Asked Questions


We are always happy to answer questions from clients and interested parties. Here, find our most frequently asked questions and the answers to each!

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  • Do I have a claim?
    You likely have a claim if you have insurance and if your home or building has flooded.
  • How can we help?
    We’re flood lawyers. We understand flood law and have experience representing clients in some of the most devastating flood disasters in the United States. We have first-hand knowledge of what it’s like to lose everything, so we know how to fight flood insurance companies to help you repair your home. Receive a FREE CASE REVIEW today by one of our experienced attorneys.
  • Do I still have a case if I have already moved into a new home?
    Even if you have moved into a new home, your flood insurance company still owes you for any underpayment related to the policy on your old house. However, if you have moved it might affect how we handle your case.
  • Does the check also get written to my mortgage company?
    If you have a mortgage, your mortgage company will also be on the check.
  • How long does the process take?
    Every claim is different, but we will start the process immediately and send one of our expert adjusters to your home. We don’t get paid until you get paid, so we are incentivized to go as fast as possible and get you the most money possible.
  • What is your success rate?
    In other flood events, we have been very successful in helping homeowners recover new money.
  • How much do you charge?
    If we don’t get an additional $10,000 in new money then we work for free. For every $10,000 or more we recover in new money, you get 70% and your legal team gets 30%. NO questions asked. NO extra costs. NO
    hidden fees. Just a flat percentage. We do not get anything that you recover before you hire us.
  • What happens if I don’t have flood insurance?
    Unfortunately we are only able to help homeowners with flood insurance at this time. However, there are a variety of resources available to you even if you do not have flood insurance. FEMA maintains a website with many useful links, including more information on assistance and housing. You can also contact your elected officials to find out more options. Information regarding Louisiana’s congressional delegation can be found at www.house.gov, and Louisiana’s senators can be found at www.senate.gov.
  • Will my insurance premiums go up if I take more money?
    Probably not! Most flood insurance policies are underwritten by the federal government’s National Flood Insurance Program (“NFIP”). If your policy is underwritten by the NFIP, then the federal government sets your policy rates and premiums. The official NFIP websit provides a breakdown of typical policy premiums and coverage amounts.
  • How much is my claim worth?
    This is where having our experienced flood adjusters and flood attorneys will help provide you with the highest value for your claim. Our experienced flood team is able to find the areas of your flood claim that were underpaid. For example, if the structural portion of your residential flood insurance policy has a maximum limit of $250,000, then you could not receive more than that amount from your flood insurer for structural damage. If you could prove that your structural flood losses equal $250,000 or even that your losses are more than that amount, then you could be entitled to the full policy limit.
  • How much additional money am I entitled to?
    It depends on a variety of factors, but our goal is to help you maximize the amount of money you are entitled to if you have a claim.
  • If I already received money, can I still get more money from my flood insurance?
    MOST LIKELY! If you’ve signed and returned your original Proof of Loss, you absolutely may still be entitled to additional funds. Our team can quickly review your case for free. Contact us for more information.
  • Do you handle contents coverage?
    We do not typically handle contents coverage. However, we do help with contents coverage on a case-by-case basis. Contact us to see if you qualify.
  • What is a proof of loss form?
    A Proof of Loss form is an official document. You, the policyholder, MUST submit a Proof of Loss to your flood insurance company by the relevant deadline. In the form, you officially declare how much money you are requesting for your home’s damage. You must sign the form, swear it is accurate, and include details and documents necessary to back up the amount of money you are claiming.
  • What is the current deadline for submitting my Proof of Loss form?
    We are pleased to announce that the Proof of Loss deadline has been extended to September 1, 2017!
  • What happens if I do not submit my Proof of Loss form?
    In most cases, if you do not submit your Proof of Loss form on time you could lose your chance to get the additional money your flood insurance company owes you.
  • When should I file my Proof of Loss form?
    As soon as possible. Do not wait until the deadline. Figuring out the actual deadline can depend on a number of factors, including when your property was first damaged. Also, different courts could disagree on how to determine the deadline. Delaying is a gamble. Don’t risk losing out by waiting.

Proof of Loss Deadline Extended to September 1st

The Proof of Loss deadline has been extended to September 1, 2017. With just a few days leading up to the May 12 deadline, FEMA’s National Flood Insurance Program received a request for an extension from Insurance Commissioner Jim Donelon’s office. If a request for extension had not been received, tens-of-thousands of insured Louisiana homeowners would have been at risk to of being denied future insurance proceeds relating to their August 2016 flood damage.

Attorney Raj Pandit advocated through “boots on the ground” community efforts for insured homeowners to receive an additional 90-day extension. Pandit prompted Commissioner Jim Donelon to request the extension from FEMA Assistant Administrator David Maurstad. Once the request was received, Maurstad issued WYO Bulletin W-17002, granting an additional 90-day extension for policyholders to submit a complete, signed, and sworn proof of loss for their flood insurance claims caused by the historic, 1,000 year August flood. Louisiana policyholders now have until September 1, 2017 to submit their proofs of loss forms. A victory Pandit feels is well worth the fight. “Insured homeowners just want the money they are owed, and they deserve that” he explains.

Proof of Loss Deadline is May 10!

The supplemental proof of loss deadline is an important deadline for insured homeowners. The Great Flood of 2016 left many with damaged homes and not enough money from their flood insurance company. Raj Pandit of Pandit Law and GetFloodHelp.com represents insured homeowners in maximizing their flood insurance claim so they receive what they are owed from their flood insurance company. Call us today at 225-29-FLOOD to get the money you deserve!

Livingston Town Hall Meeting Feb 23rd

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If you are an insured homeowner affected by the August 2016 floods, don’t miss this town hall! Learn how you can get the money you deserve. Submit the form below to attend!

Do What’s Right! Extend the Proof of Loss Deadline!

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URGENT LETTER TO FEMA was posted to the Get Flood Help Facebook page. Dear Administrator Fugate, Help Louisiana Home Owners! Extend the Proof of Loss Deadline!

Visit our Facebook page for updates and a schedule of town hall meetings!

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