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Hurricane Sandy Flood Insurance Deadlines: New Jersey Governor Requests More Time

Posted by on April 10, 2014 in Blog | Comments Off

Hurricane Sandy Flood Insurance Deadlines: New Jersey Governor Requests More Time

For thousands of victims of Hurricane Sandy in New Jersey and New York still dealing with flood insurance claims, the deadline to file a Proof of Loss is April 28, 2014.  According to reports, however, New Jersey Governor Chris Christie has told the federal government that New Jersey residents whose homes were damaged during Hurricane Sandy need more time.  The governor last week sent a letter to the head of the Federal Emergency Management Agency (“FEMA”) requesting another six-month extension to October 28, 2014.  According to reports,...

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Hurricane Sandy Flood Insurance Deadline: APRIL 28, 2014

Posted by on March 23, 2014 in Blog | Comments Off

Hurricane Sandy Flood Insurance Deadline: APRIL 28, 2014

March 28, 2014 marks the 17-month anniversary of Hurricane Sandy making landfall in New Jersey and New York. It also marks the final month to submit a Proof of Loss for disputed damages to flood insurance companies. Victims of Hurricane Sandy in New Jersey and New York have until April 28, 2014 to file a Proof of Loss on their flood insurance claim. A Proof of Loss is a federal form used by the policyholder to support the amount they are claiming under their policy, which must then be signed and sworn to, and submitted with supporting...

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Contents Coverage Under an NFIP Flood Insurance Policy

Posted by on March 23, 2014 in Blog | Comments Off

Contents Coverage Under an NFIP Flood Insurance Policy

About half of the calls I received from Hurricane Sandy victims that have been wrongfully denied or underpaid by their flood insurance company are disputing the amount they have been paid on their contents coverage. Under the residential Standard Flood Insurance Policy (SFIP) issued through the National Flood Insurance Program, contents coverage must be purchased separately, and a separate deductible is applied.  In order for the contents to be covered, the contents must be owned by the insured or family members of the insured’s household, or...

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Chris Gerold Quoted in NJLJ Article on Plan by Federal Judges to Handle Sandy Flood Insurance Claims

Posted by on March 11, 2014 in Blog | Comments Off

Chris Gerold Quoted in NJLJ Article on Plan by Federal Judges to Handle Sandy Flood Insurance Claims

Wolff & Samson associate Christopher Gerold, a member of the firm’s Disaster Recovery Claims Group and author for the Flood Insurance Attorneys blog, was quoted in a New Jersey Law Journal article titled “N.J. Federal Judges Work on Plan For Sandy Flood Insurance Claims.”  The article, which was published on March 10, 2014, discusses the plan by a committee of federal judges in New Jersey to put processes in place to manage the more than 600 hundred lawsuits filed by policy holders against flood insurance carriers over...

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Hurricane Sandy Flood Insurance Deadline: Only Two Months Remain

Posted by on February 28, 2014 in Blog | Comments Off

Hurricane Sandy Flood Insurance Deadline: Only Two Months Remain

Victims of Hurricane Sandy in New Jersey and New York have until April 28, 2014 to file a Proof of Loss on their flood insurance claim.   A Proof of Loss is a federal form used by the policyholder to support the amount they are claiming under their policy, which must then be signed and sworn to, and submitted with supporting documentation to their flood insurance company.  The filing of the Proof of Loss is a prerequisite to a lawsuit, and failure to timely file the Proof of Loss may also preclude the policyholder from receiving any...

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Hurricane Sandy: Still Causing Foundation Damage

Posted by on January 26, 2014 in Blog | Comments Off

Hurricane Sandy: Still Causing Foundation Damage

It has been nearly 15 months since Hurricane Sandy hit New York and New Jersey, and still thousands of people have yet to resolve their flood insurance claim.  The most frequent (and most expensive) dispute that victims continue to have with their flood insurance carriers is the coverage of foundation damage.  A brief reading of the NFIP Flood Adjuster Claims Manual on foundations makes it clear why there have been so many denials. Floods can cause significant foundation damage, but so can settlement, improper construction, earth movement,...

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New Jersey Governor Christopher Christie Requests FEMA Extend the Statute of Limitations

Posted by on January 6, 2014 in Blog | Comments Off

New Jersey Governor Christopher Christie Requests FEMA Extend the Statute of Limitations

According to the Star Ledger, New Jersey Governor Christopher Christie has asked FEMA to revise the time limit for residents affected by Hurricane Sandy to file lawsuits regarding their flood insurance claims. Although FEMA has extended the deadline for victims of Hurricane Sandy to file Proofs of Loss on flood insurance claims to April 28, 2014, FEMA has not extended the deadline to file a lawsuit for the wrongful denial or underpayment by the flood insurance companies.   Under a National Flood Insurance Program policy, the deadline to file...

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Will deadlines be missed to sue for Sandy money?

Posted by on December 30, 2013 in Blog | Comments Off

Will deadlines be missed to sue for Sandy money?

Wolff & Samson Disaster Recovery Claims attorney Christopher W. Gerold was interviewed for Long Island Newsday‘s article “Will deadlines be missed to sue for Sandy money?” To read the article, please click here:...

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Event Announcement: Potential Liability for Advocates and Clients with Sandy Flood Ins. Claims

Posted by on December 6, 2013 in Blog | Comments Off

We are now at a critical phase in the Sandy relief effort with looming flood insurance deadlines. This is a minefield of potential liability for advocates. In an effort to help all advocates during these next stages, Touro Law School will present a workshop on Friday, December 13 from 11AM-2PM in Room 210 of the Law School. This workshop will feature Wolff & Samson’s Christopher Gerold, Esq. and claims consultant David Charles, President of Master Claims Consultants. The workshop’s goal is to discuss how to protect yourself and your...

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Flood Insurance Statute of Limitations Clarified by FEMA (and It’s Not Good)

Posted by on November 21, 2013 in Blog | Comments Off

Flood Insurance Statute of Limitations Clarified by FEMA (and It’s Not Good)

In a stunning announcement, FEMA declared that although the Proof of Loss deadline for victims of Superstorm Sandy has been extended to 18 months (April 28, 2014), FEMA’s interpretation of the statute of limitations is one year from the date of “first” denial. Effectively FEMA has eliminated the extension that it granted for Sandy victims to file a Proof of Loss and will cause thousands of Sandy victims to miss filing a lawsuit if they are dissatisfied with the amount of money paid by their flood insurance.  On November 21,...

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