FLOOD CLAIM -Final Report & Signed Proof of Loss Submitted (Next Steps)

Final report and signed Proof of Loss submitted next-steps email for insured expectations after file submission.

Hello POLICYHOLDER,

Thank you for your help and patience throughout the complex NFIP Flood Claim process. This email is to confirm that our Final Report and signed Proof of Loss (SPOL) have been submitted to the Carrier’s server. Below is guidance on what typically happens next.

Please note: Unless I inform you otherwise, I remain your primary contact for this flood claim, so feel free to reach out anytime with questions or concerns.

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📌 WHAT HAPPENS NEXT (AFTER FINAL REPORT & SPOL SUBMITTAL)
• Carrier review time: The Carrier’s review and payment process can take up to a few weeks. I will not receive automatic confirmation that they have reviewed your file or issued payment.
• Carrier notifications: Only the Carrier sends official notices of approval and payment directly to you.
• If the Carrier needs anything: If the Carrier flags an issue with the report, findings, or allowances requested, they will notify me. If they request additional information or a revision, I will contact you promptly.
• Please keep me posted: Otherwise, please let me know if/when you receive a payment or any written notice from the Carrier.

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📬 PAYMENT DELIVERY
• Watch your mailbox: Flood claim payments are typically mailed as a physical check via USPS or a commercial carrier (UPS/FedEx).
• Set a reminder: Please set a reminder for 3 weeks from today. If you have not received payment and have not received a written approval/notice within 3 weeks, let me know. In most cases, I cannot effectively inquire until the Carrier has had at least that initial review window.

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🏦 IMPORTANT: IF THIS IS A BUILDING CLAIM AND YOU HAVE A MORTGAGE
As previously discussed, if you have a mortgage and/or any lienholder or payee is listed on your policy, AND YOU HAVE NOT ALREADY DONE SO:
• Contact your lender ASAP to report the flood loss and advise them the adjuster has completed and submitted the claim.
• Ask what their process is for endorsing and releasing flood claim funds. Some lenders require sending the check to a dedicated flood loss department; others handle it at a local branch; some require additional paperwork.
• I cannot determine or override a lender’s process, so this conversation must occur directly between you and your lender(s).
• Doing this well ahead of payment receipt can reduce delays once the settlement check arrives.

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🧾 KEEP DOCUMENTING (JUST IN CASE)
Even after this submittal, it’s smart to keep documenting all costs associated with this loss, as well as any new or additional damages discovered as you continue cleanup, demolition, and rebuilding:
• Copies of invoices/receipts for flood-related work completed
• Photos of any remaining or additional flood damage discovered
• Notes on any new issues you believe are related to the flood (date noticed, what changed, who assessed it)
• Photos of every room where cleanup or repairs have been completed, at the end of every day (this is important in case another flood loss occurs overnight, we can document what was completed prior to the new loss)
• Photos, invoices/receipts, and any other documentation that proves what was completed following this loss (this is essential to show completed repairs if another flood loss occurs in the future)

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🧩 REQUEST FOR ADDITIONAL PAYMENT (RAP) CLAIM
• If additional covered flood damage is discovered later, we can discuss the documentation needed to support a Request for Additional Payment (RAP), sometimes called a “supplement.”
• If we have already discussed a likely RAP in your case, this email will be followed by another email outlining the RAP process.

 

Thank you again, and please don’t hesitate to reach out if anything looks off or if you receive correspondence you’d like me to review. 

Christopher T. Gutshall

Insurance Adjuster

NFIP FCN 0070008289

 

M 330.437.9168  |  E  gutflood@outlook.com <mailto:gutflood@outlook.com> 

 

Authority & Disclaimer: Field adjusters cannot approve/deny coverage or authorize payment. Final claim decisions are made only by the carrier. 

Confidentiality Notice: This email may contain privileged or confidential information intended only for the recipient. If you received it in error, please delete it and notify me.