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The Filing Deadline for the National Flood Insurance Program is October 29

NEW YORK – The time limit to file proof of loss claims for policyholders affected by Hurricane Sandy is Oct. 29, 2014.

The National Flood Insurance Program (NFIP) usually requires policyholders to submit a fully documented, signed and sworn proof-of-loss claim within 60 days from the date of their loss.

The magnitude of the Sandy disaster is the reason the filing deadline was extended for two years to give policyholders additional time to file claims.

The Proof of Loss document is included in the claims package that documents flood losses. The claims package should include:

photos and/or video of the flooding and resulting damage

a comprehensive, itemized list of what was damaged

receipts, if possible, for damaged items along with any other supporting documents showing the value of what you lost

As for filing, the location is dependent upon who wrote the policy. If a Standard Flood Insurance Policy was issued by a Write Your Own program-participating insurance company, the claimant should contact their insurance agent or the carrier directly to find out the proper address for submitting the Proof of Loss with supporting documentation.

To download a blank NFIP Proof of Loss document: http://www.fema.gov/library/viewRecord.do?id=2545

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The Filing Deadline for the National Flood Insurance Program is October 29

Flood Insurance is an Essential Ingredient for Protecting Your Family

MONTGOMERY, Ala. – In 2013, the National Weather Service issued 332 flash flood and flood watches/warnings for the state. The state also reported one tropical storm in the Gulf Coast. More severe weather came this spring with tornadoes and more than two feet of rain.

Between the Gulf Coast’s tropical storms and the numerous rivers and streams, the potential for flooding in Alabama is ever present, according to the National Weather Service Office in Birmingham.

“Flooding due to heavy rains is a serious threat to all residents of our state,” said Alabama Emergency Management Director Art Faulkner. “Many of the homes and businesses flooded in the recent historic rain events were not in a flood zone. For the best protection, a flood policy available through the National Flood Insurance Program is a wise investment. Flood insurance will not keep rising water out of your home or business, but it will protect the investment you have in them.”

Flood insurance is important regardless of your flood zone. In fact, people outside high-risk areas file more than 25 percent of flood claims nationwide. And according to the flood insurance program, from 2003 to 2012, the agency averaged $4 billion in claims per year nationwide.

In Alabama, only 57,000 of the estimated 1.8 million households have flood insurance. Yet, the state is highly susceptible to the ravages of flooding, according to FEMA’s Federal Coordinating Officer in charge of Alabama’s disaster recovery Joe M. Girot.

“Here are two important points people need to understand,” he said. “First, homeowner insurance policies do not cover flooding. Second, flood insurance policyholders can file a claim even if a storm doesn’t trigger a federal disaster declaration.

“Flood insurance is available to homeowners, business owners and renters in communities that participate in the National Flood Insurance Program and enforce their local flood damage prevention ordinances,” Girot said.

Homeowners in a floodplain (or Special Flood Hazard Area) must buy flood insurance if they have a mortgage from a federally regulated lender. An interactive guide to determine your flood risk is available online at FloodSmart.gov. The site also provides information on the NFIP.

Flood insurance, with an average premium running about $600 per year, can save homeowners thousands of dollars in repairs. Just three inches of floodwater in a home will require replacing drywall, baseboards, carpets, furniture and other necessary repairs that can cost an estimated $7,800, according to the National Flood Insurance Program.

The deeper the floodwater, the more it will cost – 18 inches of water means repairs to the electrical system and the heating and cooling system. It also means replacement of doors, appliances and cabinetry, adding another $26,000 to the bill.

Homeowners can insure their homes for up to $250,000 and contents for up to $100,000. Renters can cover their belongings for up to $100,000. Nonresidential property owners can insure a building and its contents for up to $500,000 each.

There is normally a 30-day waiting period when purchasing a new policy. Flood insurance is sold through private companies and agents and is backed by the federal government.

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Disaster recovery assistance is available without regard to race, color, religion, nationality, sex, age, disability, English proficiency or economic status. If you or someone you know has been discriminated against, call FEMA toll-free at 800-621-FEMA (3362). For TTY call 800-462-7585.

FEMA’s temporary housing assistance and grants for childcare, medical, dental expenses and/or funeral expenses do not require individuals to apply for an SBA loan. However, those who receive SBA loan applications must submit them to SBA to be eligible for assistance that covers personal property, transportation, vehicle repair or replacement, and moving and storage expenses.

For more information on Alabama’s disaster recovery, visit www.fema.gov or http://www.ema.alabama.gov/. For the joint Facebook page, go to www.facebook.com/AlabamaEMA. To receive Twitter updates: http://twitter.com/AlabamaEMA or www.twitter.com/femaregion4

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Flood Insurance is an Essential Ingredient for Protecting Your Family

NFIP Extends Flood Claim Period by 30 Days

MONTGOMERY, Ala. – The National Flood Insurance Program has extended the time period for filing flood claims for policyholders who experienced flooding during the April 28 through May 5 severe storms, tornadoes, straight-line winds and flooding.

The NFIP normally requires flood claims to be filed within 60 days of the date of loss. However, NFIP is waiving this requirement and extending the deadline by 30 days for the 2014 mid-spring storms that began on April 28. This extension includes policyholders in Alabama.

The waiver applies to Standard Flood Insurance Policies issued directly by the Federal Emergency Management Agency or by private insurance companies participating in the NFIP’s Write Your Own Program.

A policyholder with a flood loss that occurred on April 28, 2014 now has until July 27, 2014 to file a claim.

Please note — the extended deadline to register with the Federal Emergency Management Agency for assistance and the U.S. Small Business Administration for low-interest loans remains the same – Tuesday, July 15.

Flood insurance policyholders should contact their agents or insurance companies to file a claim. An adjuster from the insurance company should contact you within a few days of filing a claim. If you do not hear from an adjuster, call your insurance agent or company again.

When calling, make sure to have the following information at hand:

The name of your insurance company.
Your policy number.
A telephone and/or email address where you can be reached at all times.

Remember, a flood insurance policy is usually separate from your homeowner’s policy, which in most cases does not pay for flood claims.

Your adjuster will need to see evidence of the damage to your home and possessions to prepare your repair estimate.

Take photographs of all damaged property, including discarded objects, structural damage and standing floodwater levels.
Make a list of damaged or lost items and include their date of purchase, value and receipts, if possible.
Officials may require disposal of damaged items, so if possible, place flooded items outside of the home.

Finally, your adjuster will provide you with a Proof of Loss form for your official claims for damages. This document substantiates the insurance claim and is required before the National Flood Insurance Program or insurance company can make a payment.

You will receive your claim payment after you and the insurer agree on the amount of damages and the insurer has your complete, accurate and signed Proof of Loss form. If major catastrophic flooding occurs, it may take longer to process claims and make payments due to the sheer number of claims submitted.

For general flood insurance questions, call the National Flood Insurance Call Center at 800-427-4661 directly, or through 711 Relay, or contact your insurance company or agent.

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NFIP Extends Flood Claim Period by 30 Days

National Flood Insurance Program Deadline Extended for Filing Claims

NEW YORK – FEMA has granted a six-month extension for National Flood Insurance Program (NFIP) policyholders affected by Hurricane Sandy to file proof-of-loss claims.

The deadline is Oct. 29, 2014.

NFIP usually requires policyholders to submit a fully documented, signed and sworn proof-of-loss claim within 60 days from the date of their loss.

The magnitude of the Sandy disaster is the reason for this extension that will give policyholders additional time to file claims. This is the third six-month extension.

The Proof of Loss document is included in the claims package that documents flood losses. The claims package should include:

• photos and/or video of the flooding and resulting damage

• a comprehensive, itemized list of what was damaged

• receipts, if possible, for damaged items along with any other supporting documents showing the value of what you lost

To download a blank NFIP Proof of Loss document: http://www.fema.gov/library/viewRecord.do?id=2545

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National Flood Insurance Program Deadline Extended for Filing Claims

Bellaire, Texas Celebrates a Safer Community

DENTON, Texas – Residents, business and residential renters, and business owners in Bellaire, Texas can now enjoy a 5 to 15 percent reduction in flood insurance premiums because of the city’s active participation in the National Flood Insurance Program’s (NFIP) Community Rating System (CRS).

This means those policyholders who reside in Special Flood Hazard Areas (SFHA) will receive a 15 percent reduction on flood insurance premiums, and policyholders located outside the SFHA will enjoy a 5 percent discount.

In addition to lower premiums, the rating program helps to reduce the threat of damage from flooding, according to officials with the Federal Emergency Management Agency (FEMA). “The flood insurance program rewards communities for implementing programs and policies that protect their residents from flooding,” said FEMA Region 6 Administrator Tony Robinson. “Bellaire’s higher regulatory standards, public education outreach, drainage system maintenance and effort at developing additional flood data, among other activities, have earned the city lower premiums as a CRS Class 7 Community.”

The reduction in flood insurance premiums represents an annual savings in premium costs for Bellaire policy holders and will take effect at the time a new policy is written or an effective policy is renewed. Those individuals and business owners with a Preferred Risk Policy will not receive premium rate credits under the CRS because it already has a lower premium than other policies.

The city’s participation in the program has been beneficial in many respects. In addition to the reduction in insurance premiums, local officials are more knowledgeable about floodplain management and residents are more knowledgeable about mitigation and flood insurance. The CRS program has helped make Bellaire a safer place to live, reduced the economic impact of flood hazards and saved their citizens money on flood policy premiums.

CRS is a voluntary program for National Flood Insurance Program (NFIP)-participating communities. The intended goals of the CRS are to reduce flood losses; facilitate accurate insurance ratings; and to promote the awareness of flood insurance. For more information on the NFIP’s CRS program, visit http://www.fema.gov/national-flood-insurance-program-community-rating-system.

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FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards. Follow us on Twitter at www.twitter.com/femaregion6 and the FEMA Blog at http://blog.fema.gov.

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Bellaire, Texas Celebrates a Safer Community

Any Colorado Resident with an NFIP Policy has 60 Days to File a Claim

DENVER – FEMA has an important message concerning who may file a federal flood insurance claim.

National Flood Insurance Program (NFIP) policy holders in any Colorado county are eligible to file a flood claim. Policy holders do not have to live in a disaster-designated county.

Any Colorado resident covered by NFIP with flood damage should file a claim within 60 days of the date of loss. As an example, if the flood damage was on Sept. 10, the claim must be filed by Nov. 9.

To date, NFIP has paid out $22 million to Colorado policy holders this year.

Floods are the most common and costly natural disasters in the United States.

NFIP policies are sold and serviced through many private insurance companies. The policies cover physical damage to a building or personal property that is directly caused by a flood. For example, damage resulting from a sewer backup is covered if the problem is a direct result of flooding. However, if the backup is caused by something else, the damage is not covered.

Please also refer to floodsmart.gov for more information about flood insurance.

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Any Colorado Resident with an NFIP Policy has 60 Days to File a Claim

Registered with FEMA for Assistance? Be Sure to Stay in Touch

LINCROFT, N.J. — New Jersey residents who registered with FEMA for disaster assistance prior to the registration deadline of May 1 need to keep in touch with FEMA as they recover and rebuild.

Disaster assistance may be available for losses not covered by insurance. Survivors should get in touch with FEMA as soon as they receive their insurance settlement. Be sure to have the registration number FEMA assigned to your application at hand.

Survivors who registered for disaster assistance before the May 1 deadline may check the status of their applications online at www.disasterassistance.gov or call the FEMA Helpline, 800-621-3362, as soon as receive their insurance settlement.

If you received a letter from FEMA saying you were not eligible for assistance, one reason may be that you had not yet received an insurance settlement and it could not be factored into your application.

If you have already filed an appeal of the original FEMA decision, you are entitled to amend your appeal based on the insurance settlement you received.

These are just a few of the reasons for Sandy survivors to stay in touch with FEMA.

Make sure that you provide current contact information to FEMA to ensure timely delivery of important assistance updates.

Applicants who need to update their contact information or who have questions regarding their application can call the toll-free FEMA helpline, 800-621-3362, from 10 a.m. – 7 p.m., seven days a week. Help is available in most languages.

New Jersey residents with questions about the National Flood Insurance Program and mitigation techniques have a helpline to call to get the most up-to-date information.

That number is 877-287-9804 for people who need information about flood insurance, flood maps or other mitigation topics and issues. Flood insurance policyholders with questions or concerns about their claims may also speak with NFIP specialists.

The flood insurance-mitigation helpline operates from 8 a.m. to 4:30 p.m., Monday-Friday. Additional information is available at www.floodsmart.gov.

Video Timeline of the Sandy Recovery Effort

Follow FEMA online at www.fema.gov/blog, www.twitter.com/fema, www.facebook.com/fema, and www.youtube.com/fema. Also, follow Administrator Craig Fugate’s activities at www.twitter.com/craigatfema.

The social media links provided are for reference only. FEMA does not endorse any non-government websites, companies or applications.

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Registered with FEMA for Assistance? Be Sure to Stay in Touch

Talk to Local Officials Before Rebuilding Your Flood-Damaged Home

DENVER– Before beginning any repair work, property owners should contact their local building officials to find out what permits are required to repair or rebuild.

Some Colorado property owners may find that September’s flood has caused substantial damage to their home or business.

Substantial damage is defined by the National Flood Insurance Program (NFIP) as a home or structure that has incurred substantial damage, is located in a special flood hazard area and the total cost of repairs is 50 percent or more of the structure’s pre-event market value.

Local building officials make the determination that substantial damage has occurred.

When local officials determine a building is located in a special flood hazard area and has substantial damage, the structure must be brought into compliance under the community’s current building ordinances and regulations.

For more information on general flood insurance, contact your local floodplain administrator, the National Flood Insurance Program at 800-427-4661 or your local insurance agent. Information also is available at www.fema.gov and floodsmart.gov.

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Talk to Local Officials Before Rebuilding Your Flood-Damaged Home

Penn Township Lowers Flood Insurance Premiums

PHILADELPHIA, Pa. – Residents of Penn Township in Snyder County, Pennsylvania have received a reduction in their flood insurance premiums through increase of various floodplain management measures encouraged by the National Flood Insurance Program (NFIP).

The Federal Emergency Management Agency (FEMA) oversees the NFIP, which administers a program called the Community Rating System (CRS). The CRS is a voluntary incentive program that recognizes and encourages community floodplain management activities that exceed minimum NFIP requirements. The program includes 10 different class rating levels based on the number and type of activities voluntarily initiated by the participating community. Each level corresponds to a percentage discount on National Flood Insurance policy premiums within the municipality.

As a member of the Community Rating System, Penn Township is within an elite group of 24 Pennsylvania municipalities that have received this recognition. With the continued steps taken by Penn Township to protect its citizens and increase its resiliency, it has moved from a Class 8 to a Class 7 Community Rating System community. The Township is one of only four communities in the Commonwealth that have achieved this rating. The Class 7 rating qualifies National Flood Insurance Program policy holders in the Township an average of $103 savings on their annual premium. In total, the upgrade in class rating level accounts for a total savings of over $4,000 annually for citizens of Penn Township.

Under the CRS, local officials are asked to meet three goals: (1) reduce flood losses; (2) facilitate accurate insurance rating; and (3) promote the awareness of flood insurance. Communities can earn a CRS rating by submitting an application explaining the projects they have in place or development. Once the information is verified and approved, FEMA provides flood insurance premium discounts through the NFIP. The amount of a property owner’s policy discount is based on the community’s CRS rating.

For each Class that a community moves up to, it provides its residents with an additional 5% reduction in their flood insurance premiums up to the 45% reduction that a Class 1 community receives. As a Class 7 community, Penn Township enables its residents to receive a 15% reduction on their flood insurance premiums.

For information about flood insurance, property owners should contact their insurance agent, visit floodsmart.gov, or call the NFIP’s toll-free information line at 800-427-4661. To learn more about the CRS, visit floodsmart.gov/floodsmart/pages/crs/community_rating_system.jsp.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards. FEMA Region III’s jurisdiction includes Delaware, the District of Columbia, Maryland, Pennsylvania, Virginia and West Virginia. Stay informed of FEMA’s activities online: videos and podcasts are available at fema.gov/medialibrary and youtube.com/fema. Follow us on Twitter at twitter.com/femaregion3.

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Penn Township Lowers Flood Insurance Premiums

Floods Happen: Protect Your Home & Family

Tropical Storm Irene, Hurricane Sandy, and severe snow and rain storms in New England illustrate our region’s vulnerability to damage at the hands of nature. While New England’s states, cities and towns work to rebuild and clean up after these events, we urge you to prepare your home and family for future storms, and to practice smart risk management. Anticipating disasters while putting plans and insurance in place can help you protect homes, businesses, and finances, and recover more quickly.

Sandy survivors know all too well that one damaging storm can wipe out a home’s history of durability, and cause flooding in areas that seemed safe from harm. Flooding is a major risk for both coastal and inland communities in New England, and many residents need to have flood insurance – an important piece of risk management and preparedness.

Last year Congress passed the Biggert Waters Flood Insurance Reform Act of 2012 with the goals of making the National Flood Insurance Program more financially stable, and more accurately identifying flood risks. This reform means rate increases for many policyholders living both inland and on the coast. Now is the time to find out how this law impacts you:

You may be required to purchase flood insurance, even if you weren’t required to in the past. Floodplain maps which are used to determine flood risks are being revised with the use of better science and technology, and structures which were not formerly in the high hazard flood areas might now be in harm’s way based on the new mapping data.
Flood insurance rates are increasing annually for older buildings in the high hazard floodplain zones. Find out if this will affect you and your property.

To find out how these changes will affect you, start by taking these steps:

Contact your local town government to determine if you’re in the floodplain:
Find out if you or your community are eligible for federal grants to help pay for elevating or modifying your home
Contact your insurance agent to learn about options for protecting your home and family:
Ask about premium quotes and Elevation Certificates, and consider the annual premium savings that elevating or modifying your home may provide.
Find out how your community can save you some of the cost of flood insurance – learn more about the National Flood Insurance Program’s Community Rating System here.

For more information about recent changes to the National Flood Insurance Program, and how those changes may affect you, click here. To find out more about risk management visit ready.gov.

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Floods Happen: Protect Your Home & Family

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