FEMA Announces Proof of Loss Extension to December 31, 2017!

FEMA has extended the Proof of Loss deadline, giving flood insured Louisiana homeowners more time to submit their Proof of Loss. The new deadline is December 31, 2017.

Now that the Proof of Loss deadline has been extended, you can still Get Flood Help submitting a supplemental proof of loss claim to get the money you deserve from your flood insurance company. We urge everyone who has not taken action to act now.  

Even if you’ve already received money, your repairs are complete, or you think your claim is closed, it isn’t too late. We represent hundreds of homeowners, and are getting your neighbors more money from flood insurance. Don’t leave potentially tens of thousands of your hard-earned dollars on the table. If you did not receive policy limits, you may have been underpaid. Call us today for a free claim review.

Call 225-29-FLOOD (225-293-5663)

For your convenience, we have included a link to FEMA’s official announcement granting the extension.


You can also view The Advocate article announcing the extension here.

The Advocate: Insurance commissioner asks FEMA to give flood victims more time to file insurance claims

Insurance Commissioner Jim Donelon has asked FEMA to give victims of the August 2016 flood until Dec. 31 to file claims with the National Flood Insurance Program.

Last year’s catastrophe generated the fourth-highest damages in NFIP history, with about 30,000 policyholders filing claims, Donelon said in an Aug. 22 letter to David Maurstad, FEMA’s assistant administrator for federal insurance. The deadline for filing a proof of loss claim or a supplemental proof of loss claim has been extended four times and is now Sept. 1.

U.S. Sens. Bill Cassidy and John Kennedy also sent an extension request to FEMA.

As he has in previous requests for extension, Donelon asked FEMA for more time to help people who have already filed a claim but haven’t completed repairs. Frequently when those repairs are done contractors uncover additional damage, which policyholders did not include in their original claim.

“As we approach the Sept. 1 deadline … there are still thousands of victims of that flood dealing with their contractors and the challenges presented by their repair efforts in a very tight construction market,” Donelon says in the letter.

FEMA’s most recent figures show more than 29,647 claims were filed and 104 are left to process. The National Flood Insurance Program has paid $2.4 billion to policyholders, with the average payment at $88,300.

The NFIP claims payments are part of $5 billion in federal disaster assistance and low-interest disaster loans made in Louisiana since the flood. More than 83,000 households were eligible for FEMA assistance, and the agency has approved about $772 million in aid for flood survivors.

– Ted Griggs, The Advocate

Read the original story here. 

Public News: Cassidy, Kennedy Request Extension Of National Flood Insurance Program Proof Of Loss Deadline

Today, US Senators Bill Cassidy, MD (R-LA) and John Kennedy (R-LA) sent a letter to FEMA, requesting the September 1 deadline for National Flood Insurance Program (NFIP) policyholders to file a Proof of Loss (POL) claim be extended. Policyholders have faced delays in filing original and supplemental POLs associated with the Great Flood of 2016 that affected thousands of Louisianans.

‘This was a disaster. Some homeowners have been unable to get their records in a timely fashion from contractors,’ said Dr. Cassidy. ‘We shouldn’t punish them-we should give them help. Extending this deadline gives them help.’

‘The flood hit people in Louisiana suddenly, catching them by surprise. We need to give flood victims as much time as possible to determine their losses,’ said Sen. Kennedy. ‘I’m hopeful FEMA will give folks just a little more time since they are still reeling from this disaster.’

To read the letter, click here.

On June 6, 2017, Cassidy introduced legislation to reauthorize the NFIP which included a provision to extend the 60 day proof of loss submission deadline to 180 days.

Reforming Proof of Loss requirements. The bill changes the way Proof of Loss functions. Some legal teams representing the WYO companies applied this definition in a draconian way. As it currently stands, homeowners have to submit a Proof of Loss within 60 days that requires them essentially to present all of their evidence of damage. This burden is not fair, particularly because homeowners generally rely entirely on the WYO to figure out the scope of damage and draft the Proof of Loss statement. We change the 60-day Proof of Loss requirement to a loss notice provision. It gives the WYO timely notice and plenty of time to give a fair estimate.

Sec. 601. Institutes Deadlines for NFIP Claims Determinations. Requires NFIP administrators to make determinations on flood claims within 30 days of the initial filing, followed by any payment owed under the claim. Prevents claims denial based on Proof of Loss requirements. Establishes notice of a claim deadline within 60 days and moves the proof of loss deadline to 180 days.


Read the original article here. 

WBRZ: Proof of loss deadline approaching for those with flood insurance

BATON ROUGE- An important deadline is coming up if you had flood insurance but don’t feel like you were compensated fairly by your insurance company.

This week, Insurance Commissioner Jim Donelon asked the feds for another extension for the National Flood Insurance Program’s proof of loss deadline.

Currently, this affects $30,000 people who flooded last August. The necessary paperwork must be submitted before September 1 if an extension isn’t granted.

Darlene Taillon just moved back into her home after 26 inches of water swamped her home. As Harvey churns in the Gulf, she’s concerned about more rain.

“Just wondering if we will flood again,” Taillon said.

Taillon is one of the area’s 30,000 residents that did have flood insurance last August, but it wasn’t enough.

“It did not cover everything,”Taillon said.

Even after she received her payout, the Taillons had to come out of pocket $12,000 to make up what insurance didn’t pay for. Raj Pandit is currently representing more than 800 residents in our area who believe their insurance company underpaid them for damages in the August flood. As he began looking into what happened, he found the adjusters coming out to tally damages were getting paid per house. The more houses they assessed the more money they made.

“There’s an incentive to do it fast, and when you do it fast, you often times don’t do it well,” Pandit said. “Especially for something as tedious as adjusting.”

A fee schedule on FEMA’s website backs up what Pandit is talking about. According to FEMA, adjusters can make $1,640 for any claim written at less than $50,000. Although adjusters make more money the higher the claim, those take more time according to Pandit. It’s why he says so many residents feel disenfranchised by the money they received.

“The larger the damage they write, the more money they get paid,” Pandit said. “On the surface, that is a true statement. But, in reality, they have so many claims to go through, it’s easier for them to write seven to ten average claims a day then to write two claims very thoroughly.”

Tonight, a deadline to recoup money that you may have missed out on is fast approaching. Tuesday, Insurance Commissioner Jim Donelon sent a letter to the feds. Part of it reads,”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.” For those reasons, Donelon asked for a deadline of December 31st so people can assess their costs and continue to rebuild.

For people like Taillon, she’s done fighting and is willing to swallow the $12,000 insurance didn’t pick up to have peace.

“We always knew we had loving family and friends but everybody, the community, it’s not just us,” Taillon said. “Everyone came together.”

According to figures by Donelon, the flood last August was the fourth worst event in the nation’s history. The Department of Insurance says they’re hoping to hear back from the feds about an extension in a few days.

– Chris Nakamoto, WBRZ

Read the original story here. 

WDSU: Extension sought for 2016 flood victims to file claims, Louisiana NAACP now involved

It was one of the worst floods to hit Louisiana, the one that devastated hundreds of homeowners last summer in the Baton Rouge area.

But a deadline is fast approaching for people who need more money for repairing their damage. The Federal Emergency Management Agency declared 20 parishes federal disaster areas.

Some said millions of dollars could potentially be left on the table. Flood victims said they haven’t fully recovered from last year’s flood and are dealing with major problems with their insurance companies.

Residents and the head of the state NAACP are urging the state to extend a Sept. 1 deadline to file a claim. It’s a deadline that many people are unaware even exists.

Some flood victims said the money they’ve received from their insurance carriers is not adequate and is well below the damage total. Last August, floodwater destroyed hundreds of homes in the Baton Rouge area.

The damage total: Well into the hundreds of millions of dollars.

The flooding was called once-in-a-lifetime by the governor. Louisiana residents must submit what’s called a proof of loss form required for a flood insurance claim.

The proof of loss form — a sworn statement made by the policyholder — is part of the requirement for a flood claim to be processed. That’s why it’s important to file before the Sept. 1 deadline.

Insurance Commissioner Jim Donelon also formally asked FEMA to extend the deadline.

“The Sept. 1 proof of loss deadline is so important because if homeowners let this deadline pass without submitting a supplemental claim, then the insurance company on a technicality, could forever bar the homeowner from getting the money they’re owed,” said Raj Pandit, owner of the Pandit Law Firm in New Orleans.

Pandit said if homeowners do not get what they’re owed, he is prepared to file more than 700 federal lawsuits against insurance carriers.

“I know a lot of people around here who don’t know anything about a deadline, and that is very unfortunate … I wish I could go around door to door and tell everybody,” said Virginia Firmin, who lives in Denham Springs.

The Louisiana chapter of the NAACP issued a letter Wednesday, asking the insurance commission to extended the Sept. 1 deadline.

– Travers Mackel, WDSU News

Read the original article here. 

We’re Getting Your Neighbors More Money From Flood Insurance

…But there’s still time for you to get the money you’re owed!

Louisiana-Based Flood Insurance Specialist Raj Pandit is currently helping hundreds of underpaid homeowners and business owners maximize their flood insurance claims. Raj played a pivotal role in extending the Proof of Loss Deadline to September 1, 2017, and he continues to fight to get what the insured homeowners are owed from flood insurance.

Did you receive substantial damage in the August flooding? Owed for rewiring? Upper cabinets not paid for? Sheathing damage? House still smells like mold? We want to help you get more!

Don’t wait, let us handle it from here. It’s time to rebuild.


We Are Not Afraid to Fight Flood Insurance

Local Sheriff Story

“I Just Want What I’m Owed”

Letter from Raj Pandit

This morning I created a petition on Facebook asking that the Federal Emergency Management Administration (FEMA) issue an extension of at least 90 days for August Louisiana flood victims to file their Proof of Loss (POL) documents. FEMA’s failure to grant an extension could result in tens of thousands of flooded, insured homeowners being denied any additional insurance payments for their August flood damage so that they may restore their lives.

We are petitioning FEMA to extend this deadline because thousands of homeowners either need more time to document their flood damages, and far too many homeowners simply do not understand the punitive nature of the POL deadline.

According to FEMA’s own statistics, damage to the average insured victim’s home in the August-LA flood event was 35% greater than that in Hurricane Sandy. Yet, victims of Hurricane Sandy received two full years to submit their Proofs of Loss. This is not right, and is why we are pushing FEMA to grant this extension!

For these and numerous other reasons, Louisiana homeowners need more time to file supplemental Proofs of Loss to address these issues.

Please sign our Petition (and share the following link in your social media networks):

FEMA, Extend the Proof of Loss Deadline for LA Flood Victims

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