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Does Flood Insurance Cover Oil Damage Caused by Flood?

Posted by on July 1, 2014 in Blog | Comments Off

Does Flood Insurance Cover Oil Damage Caused by Flood?

The short answer is yes.  According to FEMA’s June 7, 2010 Bulletin w-10065a, the Standard Flood Insurance Policy covers the damage to the structure and contents up to the policy limits on residences and condominiums.  For commercial buildings, damage caused by pollutants is limited to $10,000.   Of course, there must first be a defined flood in the area, which for those impacted by Hurricane Sandy is not typically disputed.  There are, however, some limitations to the coverage.  According to the FEMA Bulletin, they include: • Damage to...

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Flood Insurance Deadline Quickly Approaching – Further Extensions Doubtful

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

Flood Insurance Deadline Quickly Approaching – Further Extensions Doubtful

For victims of Hurricane Sandy in New Jersey and New York still fighting with their flood insurance carriers for additional payments the deadline to file a Proof of Loss is quickly approaching.  On April 28, 2014, the Federal Emergency Management Agency (“FEMA”) announced that it was extending the National Flood Insurance Program (“NFIP”) Proof of Loss deadline another six months to October 29, 2014. FEMA further stated in its announcement that it did not anticipate any further extensions.  These means that those who have not resolved their...

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Chris Gerold Quoted in The Record Article on Superstorm Sandy Lawsuit Deadline Dispute

Posted by on May 21, 2014 in Blog | Comments Off

Chris Gerold Quoted in The Record Article on Superstorm Sandy Lawsuit Deadline Dispute

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 The Record article “Superstorm Sandy Lawsuit Deadline in Dispute.”  The article, which was published on May 19, 2014, discusses the ongoing debate over the filing deadline of Superstorm Sandy claim-related lawsuits by policy holders against flood insurance carriers. Click here to read full...

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Hurricane Sandy Flood Insurance Deadline Extended to October 29, 2014

Posted by on April 29, 2014 in Blog | Comments Off

Hurricane Sandy Flood Insurance Deadline Extended to October 29, 2014

On April 28, 2014, the Federal Emergency Management Agency (“FEMA”) announced that is was extending the National Flood Insurance Program (“NFIP”) Proof of Loss deadline another six months to October 29, 2014.  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 the flood insurance company.  The filing of the Proof of Loss is a prerequisite to receiving a supplemental...

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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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