FEMA has once again extended the deadline to submit proofs of loss for all claims for damage arising out of Hurricane Irene to NFIP insured buildings.

The Standard Flood Insurance Policy (SFIP) issued under the National Flood Insurance Program (NFIP) provides a period of sixty (60) days from the date of loss within which the policyholder must send the insurer a complete, signed, and sworn proof of loss, which is in effect the policyholder’s detailed statement of the claim.

Due to infrastructure damage and high water caused by Hurricane Irene, access to NFIP-insured buildings was not possible in many instances, which delayed the claims process for many policyholders. As a result, on September 24, 2011, FEMA provided a limited waiver of the time frame within which to file the proof of loss provision and authorized an additional 30-day extension of the SFIP 60-day deadline for sending a signed and sworn-to-proof of loss to the insurer.

Because NFIP policyholders have continued to encounter difficulties filing timely proofs of loss as a result of the unusual conditions occurring after Hurricane Irene, FEMA decided to provide a second limited waiver on November 22, 2011, and authorized an additional 60-day extension of the time period within which a policyholder must file a compliant proof of loss.

Under the SFIP, the NFIP policyholder who incurred a flood loss on August 26, 2011, was required to send the proof of loss to the insurer by October 25, 2011. With this second limited waiver and extension, the same policyholder now has until January 23, 2012, to send the proof of loss.

This extension shall apply to all claims for flood damage arising out of Hurricane Irene to NFIP-insured buildings and their insured contents in the states of Connecticut, Delaware, Washington DC, Georgia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, and Virginia.