Friday, September 18, 2015

Multiple Proofs of Loss May Be Required in Flood Claims

Originally published by Brandee Bower.

The NFL season is finally upon us. I hope you took time this weekend to watch some football. If you watched the Kansas City Chiefs beat up on the Houston Texans, you saw not only a great game but also one that made history. Sarah Thomas, the first full-time female referee made her regular season debut. I’ve been anxiously awaiting this day and am very proud that her first game was one with the Chiefs and am excited that they won (they are the only undefeated team, counting pre-season).

In another first, the Fifth Circuit addressed whether multiple proofs of loss are required in flood claims.1 Ron and Patricia Ferraro owned a house in Louisiana and had a Standard Flood Insurance Policy (SFIP) through Liberty Mutual. The home suffered damage during Hurricane Isaac and the Ferraros made a claim. An adjuster inspected the property, recommended a payment be made and prepared a proof-of-loss (“POL”). The homeowners signed the POL and wrote on it, “Will send…

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