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Clinic Newsletter

Posted in Sandy News

Melissa Luckman of Touro Law Center’s Disaster Relief Clinic speaks on the second anniversary of Superstorm Sandy

The American Red Cross announced more than $2 million in additional funding to members of the Long Island Long Term Recovery Group who are helping people affected by Sandy on Long Island recover. Touro Law Center and other leaders of nonprofit organizations will also highlight the collaborative efforts being made to assist Sandy survivors, which will continue as long as Long Islanders are navigating the recovery process

Here is the Newsday coverage

Posted in Sandy News

ICC Flood Insurance Update

An ICC claim is an “Increased Cost of Compliance” claim that allows for up to $30,000 for covered expenses associated with flood-mitigation expenses, commonly including elevating or demolishing a home. In our June 2014 update (linked on the right side of this blog), we advised checking back on this website for any guidance from FEMA in response to our inquiries about the deadline/s to submit an ICC “Proof of Loss” and supporting documentation, and a list of supporting documentation. We have not received guidance from FEMA on this issue. In our experience, ICC has been paid administratively by the insurer/NFIP Direct Servicing Agent without much hassle, and the NY Rising program has often exceeded that amount of coverage in providing elevation costs as part of repairs or allowing for elevated reconstruction.

However, to be sure that you get the flood insurance ICC claim in on time and properly, we strongly advise:

(1) sending in to the correct address for your insurer (not your agent/broker) — or to the correct address for NFIP Direct Servicing Agent (if you have a “NFIP Direct” policy) — the the separate ICC Proof of Loss form (FEMA form 86-0-10, available here); send by fax and by express mail/FedEx with tracking, and confirm delivery by fax transmission and mail,

(2) making sure that it is completed fully, and dated, signed and sworn by you as the policyholder,

(3) attaching all necessary supporting documentation (because we do not have guidance from FEMA, it is necessary to contact your insurer/NFIP Direct Servicing Agent to help identify necessary documents),

(4) so that it is received by the insurer/NFIP Direct Servicing Agent before the end of the general proof of loss deadline as stated in our June 2014 update.

More general information by FEMA about ICC is here.

Posted in Uncategorized

Be Resilient

As catastrophic storms become more common on Long Island, it is important to learn the proper steps to take to help mitigate potential damage. The below link from CBS news outlines ways to financially prepare for a large storm.

Posted in Sandy News

Recources for the 8/13 Storm

Click on the “Public Resources” link above for help that may be available to those affected by the 8/13 storm.

Posted in Sandy News

Proof of Loss Update

See our June 2014 flyer located on the link to the right for the most up to date information on Hurricane Sandy deadlines.

Posted in Sandy News