December 13, 2017


Deadline for NFIP Supplemental Proof of Loss Claims Fast Approaching

The end of the year deadline for National Flood Insurance Program (NFIP) policyholders affected by the flooding in August 2016 of South Louisiana is fast approaching. After six extensions, the deadline for the filing of proof of loss documentation to initiate or supplement an NFIP claim is December 31, 2017.

“When a major storm like the one that flooded much of South Louisiana hits, it can take years for the damage to be cleared and lives to be put back together,” says Insurance Commissioner Donelon. “For those consumers who had an NFIP policy, it is imperative that they exercise all of their rights under the policy, which includes filing another proof of loss if more damage is found after their original claim is processed.”

An NFIP Proof of Loss form is accompanied by documentation of detailed estimates of the cost to replace or repair damaged property. You may request additional flood insurance payments if more damage to your property or contents was discovered after you made your initial claim. To request additional funds for previously unknown damage, promptly notify your insurance adjuster, agent or company that you need to request an additional payment. Your insurance company will provide you with another Proof of Loss form.

Since the August 2016 floods, nearly 30,000 claims have been filed by NFIP policyholders. There have been 305 appeals to FEMA about unsatisfactory claims and of those, 38 have received a different outcome than the original settlement.

For consumers who have already received a denial for all or part of their flood insurance claim or are unsatisfied with the dollar amount being offered for flood-loss repairs or replacements, it’s not the end of the road. There are several options available.

The Federal Emergency Management Agency (FEMA) offers the following tips:

  • Work with your insurance company. If you have questions or dispute a denial or dollar amount of the settlement offered, talk with your agent or adjuster. By reviewing your policy and your claim, your adjuster and insurer can help clarify how your policy applies to your claim and review your claim for any missing, overlooked or incorrect information that may affect your claim.
  • File a supplemental claim. If there is damage or content loss that was not included in your original Proof of Loss, you can file a supplemental claim to have your claim payment adjusted. You must file a supplemental claim by December 31, 2017.
  • File an appeal with FEMA. You must file an appeal within 60 days of the insurer’s denial letter by sending a written appeal to FEMA. To file an appeal, you must explain the issues in writing, include a copy of the denial letter from your insurer, and provide any supporting documentation.

For more information on these options and others, please see FEMA’s Flood Claims Appeals and Guidance or What to Do if You Think There’s an Issue with Your NFIP Flood Claim. Consumers can contact the LDI with questions or file a complaint by calling 1-800-259-5300 or visiting