A sworn of Proof of Loss must be filed for all flood policy claims.

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Text: 817-203-0260

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Insurance Claim Disputes

A sworn Proof of Loss can be the most important document in your flood damage claim.

A sworn of Proof of Loss must be filed on all flood policy insurance claims. Without a Proof of Loss, you will not be able to file a storm damage lawsuit and recover additional money from your flood policy to help with needed repairs.

We have compiled a list of the most common Proof of Loss questions we receive following a severe storm, like recent Hurricane Harvey. If you do not see an answer to your question, please call our office to speak with one of our insurance lawyers. There are deadlines to follow for flood damage claims, so please don’t wait to contact us if you need help.

What to do if your flood claim is denied.

If your claim is denied, contact us as soon as possible for a free claim review of your insurance losses. During your call we will discuss options on how you can move forward to ecover what may be owed to you. Call us at 877-803-2897 or complete the form on this page.

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See how we increased our client’s payout by 194% after his coastal home was severely damaged in a severe storm.

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Call us to ensure that you retain your right to file a lawsuit for all of the property damage you’ve sustained.

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877-803-2897

Call today to schedule a free, no-obligation insurance claim review: 877-803-2897

What is a Proof of Loss?

A Proof of Loss is a document created by you, the insured, and required by the terms of your flood policy.
Sometimes insurance adjusters help you create and fill them out, but not always. A Proof of Loss will assist your insurance company in determining what it believes is its liability under your policy. See FEMA’s example of a Proof of Loss.

What is included in it?

A Proof of Loss consists of a one page statement which you sign and notarize. It outlines the total amount of damages you’ve sustained.
You also must attach documents supporting the amount of damages you are reporting as part of your insurance claim and send it to your insurance company.

Why do I need to file one?

A Proof of Loss is required by your policy in order for your carrier to issue funds.
Additionally, without a Proof of Loss, you will not be able to file a lawsuit and recover additional money from your flood policy to help with needed repairs.

How detailed does it need to be?

Your Proof of Loss should be as detailed as possible.
Unless the Proof of Loss reflects the total amount of damages you have sustained, you will not be able to recover more money than is listed.

When do I need to file it?

Typically, a Proof of Loss must be filed within 60 days of the date of your loss.
Your policy should specify the deadline in the section titled “Duties After Loss.” It’s imperative that you carefully review your policy, as “not knowing” is not an excuse for missing the deadline. If you miss the deadline your claim could be denied or your ability to file a lawsuit could be compromised.

Let’s talk.

Call: 877-803-2897
Text: 817-203-0260

  • This field is for validation purposes and should be left unchanged.
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