July 28, 2015

Louisiana NFIP Policyholders Granted Extension for Flood Proof of Loss Forms

Insurance Commissioner Jim Donelon announced today that the Federal Emergency Management Agency (FEMA) has extended its filing deadline for Louisiana policyholders impacted by recent flooding. FEMA’s National Flood Insurance Program (NFIP) normally requires homeowners to file a Proof of Loss form to claim damages within 60 days of a flood. The agency has authorized an additional 180-day extension during which a policyholder may submit the form.

“Last month, I asked FEMA to grant an extension to Louisiana policyholders affected by spring flooding because for those who were severely impacted, filing the required paperwork within two months can prove difficult, if not impossible,” said Commissioner Donelon. “The extension applies to Louisiana policyholders who submit claims related to rains beginning on May 16, 2015 through June 16, 2015.”

For example, an NFIP policyholder who suffered a loss on June 8, 2015 now has until February 2, 2016 to complete and submit their Proof of Loss form. This document substantiates the insurance claim and is required before the NFIP will make payment. With this extension, an NFIP policyholder now has a total of 240 days after the date of loss to provide a completed Proof of Loss form.

Flood damage resulting from heavy rains or storm surge is excluded under almost all standard homeowners policies. Flood coverage can be obtained from the NFIP, but it must be obtained before a flood event and typically there is a 30-day waiting period before a flood insurance policy becomes effective.

Those needing to file a claim with the NFIP are urged to contact their agent or call the NFIP Claims Call Center at 1-800-621-3362.

About the Louisiana Department of Insurance: The Louisiana Department of Insurance works to improve competition in the state’s insurance market while assisting individuals and businesses with the information and resources they need to be informed consumers of insurance. As a regulator, the LDI enforces the laws that provide a fair and stable marketplace and makes certain that insurers comply with the laws in place to protect policyholders. You can contact the LDI by calling 1-800-259-5300 or visiting