April 29, 2014

The Federal Emergency Management Agency (FEMA) issued a bulletin Monday announcing that it will grant another extension to the deadline for Superstorm Sandy victims to file their insurance “proof of loss” forms for their flood claims.

Under the National Flood Insurance Program (NFIP), the claimants must file a proof of loss form, which is a statement on the dollar amount the policyholders are claiming under their flood policies.

When the original 60 day deadline neared in November 2012, FEMA extended the time frame for filing Sandy-related proof of loss documents to Oct. 29, 2013, one full year from the date Sandy struck the East Coast. Again in October 2013, the deadline was extended another six months to April 28, 2014. And on Monday, April 29, 2014, FEMA again announced its decision to extend the deadline another six months until Oct. 30, 2014.

“Because NFIP policyholders may have encountered difficulties filing a timely proof of loss, I am further extending the time period within which an insured must submit a signed and sworn-to proof of loss (with all documentation to fully support the claim attached) by an additional six months,” wrote David Miller, FEMA’s associate administrator for the Federal Insurance and Mitigation Administration (FIMA), in FEMA’s bulletin. “After this further extension, the time allowed to file a proof of loss is now 24 months after the date of loss.”

“We anticipate that this additional six months extension will enable policyholders to timely present their claims. FEMA does not anticipate issuing any further extensions of the deadline to submit a proof of loss,” Miller wrote in the bulletin.

The bulletin states “the extension applies only to flood damage caused by Meteorological Event Sandy, the dates of loss beginning Oct. 25, 2012 and ending Nov. 6, 2012, in the following states: Florida, Georgia, South Carolina, North Carolina, Virginia, the District of Columbia, Maryland, Delaware, West Virginia, Pennsylvania, New Jersey, New York, Connecticut, Rhode Island, Massachusetts, New Hampshire, Vermont and Maine.”

Two U.S. Senators have led the charge, urging FEMA to further extend the deadline. Senator Kirsten Gillibrand (D-NY) stated “This critical extension is the right thing to do, and will provide Sandy-impacted homeowners who are still piecing their lives back together the necessary time to enable them to file flood insurance claims that fully reflect all of their losses,” “I thank FEMA for heeding our call to assist New Yorkers through this process.” Commented U.S. Senator Charles Schumer (D–N.Y.) “It is great news that FEMA has heeded our call and extended the ‘proof of loss’ deadline by six months, allowing Sandy-victims more time to recover and more time to file their flood insurance claims.”

 Photo Courtesy of Air Force

Oct. 30, 2012, aerial photograph provided by the U.S. Air Force shows extensive flooding on the Jersey Shore during a search and rescue mission.