As Hurricane Helene swept through the Southeast United States, it left behind an overwhelming 40 trillion gallons of water. This catastrophic deluge impacted homes and businesses that had been flood-free for over 30 years, and it compounded the challenges faced by properties still recovering from previous storms like Ian and Debby.

In my earlier blog post, “Florida Condo Associations: Dodging Floods and Drowning in Premiums?” I emphasized the importance of understanding flood insurance policies. A key takeaway being that many flood insurance policies issued on behalf of the federal government come with deadlines and duties, and they’re not just suggestions—rather, strict compliance is required.

When filing a claim, start by ensuring you have the correct policy. Request a complete copy from your insurance agent or insurer. This should include not just the declaration page but the entire policy document, which details coverage, definitions, your obligations after a loss, etc. If your flood insurance is part of the National Flood Insurance Program (NFIP), you will likely have the National Flood Insurance Program, Dwelling Form, Standard Flood Insurance Policy, F-122 / October 2021.

FEMA has made numerous resources available on its website for policyholders and adjusters, including claim forms that must be followed meticulously. While we cannot prevent disasters, we can arm ourselves with knowledge and take control of the things we can control – using the appropriate forms.

1. Proof of Loss

FEMA’s guidelines require that policyholders submit a proof of loss within 60 days of the flood event. This is a sworn statement detailing the amount claimed under the policy, to be submitted with supporting documentation. Section G. Requirements in Case of Loss of the Standard Flood Insurance Policy states, in part, that:

In case of a flood loss to insured property, you must:

4. Within 60 days after the loss, send us a proof of loss, which is your statement of the amount you are claiming under the policy signed and sworn to by you, and which furnishes us with the following information . . . 1

It’s essential to use the correct form. Notably, FEMA Form 206-FY-21-108 replaced the older FEMA Form 086-0-9. This exact form should be the one used for standard flood insurance policies, not a variation of this form.

For Hurricane Helene, if the loss occurred on September 26, 2024, policyholders have until November 25, 2024, to submit a proof of loss. While deadlines are strict, extensions may be granted, similar to those after hurricanes Ian and Debby. Stay tuned for updates by subscribing to our blog.

2. Separate Proof of Loss for Increased Cost of Compliance (ICC)

In addition to the standard proof of loss, if the Increased Cost of Compliance benefit is being claimed, a separate proof of loss may need to be submitted as this is a separate benefit/coverage under the policy.

Notably, FEMA Form 206-FY-21-109 also replaced FEMA Form 086-0-10. This exact form should be used, not a variation.

Moving Forward Together

The intricacies of flood claims can indeed feel daunting, but remember, you are not alone. There are steps you can take to gain peace of mind during these challenging times. Stay informed, be aware of deadlines, and ensure you are using the correct forms—that’s a crucial first step.

If you have any questions or need assistance, please don’t hesitate to reach out. We’re here to help you navigate this process and support you as you work towards recovery.

The Florida Association of Public Insurance Adjusters annual conference takes place October 6th – October 8th. Be sure to stay tuned for the presentation by Chip Merlin, Esq. and Ashley Harris, Esq. on October 8th regarding “Into the Flood This is No Game.”

1 See “NFIP DWELLING FORM SFIP” page 19 of 30.