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Proof of Loss

A Proof of Loss is a policyholder’s statement of the amount of money being requested, signed to and sworn to by the policyholder with documentation to support the amount requested.   It is important to understand the Proof of Loss is not the claim.  The claim is the policyholders’ declaration that they are entitled to be paid for a covered loss under the terms of the Standard Flood Insurance Policy (SFIP).  A policyholder who suffers flood damage to NFIP insured property has only one claim arising from that event, regardless of the number of Proofs of Loss with documentation packages the policyholder may submit in support of that claim.

The complete Proof of Loss, signed and sworn to by the policyholder, along with documentation to support the amount requested initially and any requests for additional payment must be sent to the NFIP servicing Agent or Write Your Own Company (“NFIP Insurer”) within 60 days after the date of loss or within any extension of that deadline made in writing by the Associate Administrator for Federal Insurance and Mitigation.  The insurance adjuster hired by the NFIP insurer may provide a proof of loss form  to the policyholder and may help complete it.  However, this assistance is a matter of courtesy and the policyholder must still submit the complete proof of loss, as described above, to the NFIP insurer within the required time period. 

Where do I send my Proof of Loss in support of my Claim? 

If your policy was issued by a Write Your Own program-participating insurance company, please contact the insurance agent or carrier directly to find out the proper address for submitting your Proof of Loss. 

If your policy was issued by FEMA through the National Flood Insurance Program (NFIP) Direct Servicing Agent, the only addresses to which your Proof of Loss must be sent is the following:

Regular Mail:
NFIP Direct
P.O. Box 913111
Denver CO 80291-3111

Overnight Mail:
NFIP Direct Servicing Agent
6240 Sprint Parkway, Suite 200
Overland Park, KS 66211

SizePublication Date
Icon for file of type application/pdfFEMA Form 086-0-9
0.56MJuly 31, 2018