FLOOD CLAIM -Explanation of Proof of Loss Submission and Denial Letter
Explanation of why a policyholder may receive a denial letter after a signed Proof of Loss submission when the file is still under review.
Template use: Replace placeholders such as POLICYHOLDER, claim-specific dates, amounts, Carrier names, and loss details before sending. Keep the adjuster authority disclaimer intact unless a Carrier/IA firm requires alternate wording.
Hello POLICYHOLDER, I wanted to briefly explain a document you may receive from the insurance carrier following the submission of your signed Proof of Loss. Under the Standard Flood Insurance Policy (SFIP), a signed Proof of Loss must be submitted within 60 days of the date of loss. In some situations, in order to comply with that strict deadline, a signed Proof of Loss may be submitted before the full claim package is finalized, and without the estimate or supporting documentation attached. When this occurs, the carrier may issue a formal denial letter referencing that Proof of Loss. This can understandably sound concerning, but in this situation, it is primarily a procedural step required by the SFIP claims process. The denial letter simply reflects that the carrier cannot approve payment based solely on the Proof of Loss form without the supporting documentation. It does not represent the final outcome of the claim. Your claim file is still being fully documented and reviewed. Once the estimate, photographs, and supporting materials are finalized and submitted, the carrier will evaluate the documented damages and determine any applicable payment under the policy. The key point is that the Proof of Loss must be filed within the 60-day deadline to preserve your rights under the policy, even if the full documentation package is still being completed. If you receive such a letter and have any questions, there should be no concern on your part, simply file it with all your other flood files. Please feel free to reach out and I will be happy to clarify it for you. 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.
FloodPath placement
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Coverage / License Disclaimer
FloodPath provides general claim communication and documentation guidance only. Field adjusters cannot approve/deny coverage or authorize payment. Final claim decisions are made only by the Carrier. Unauthorized copying, resale, redistribution, or commercial use is prohibited.