Next Walk-in Clinics at Different Locations April 7-11

We are participating in walk-in clinics the week of April 7 at different locations.

Mon, April 7:  Suffolk County
– 7pm-8:30pm, Briarcliff College, 225 West Main St., Patchogue, no appointment necessary
SPECIAL THANKS to Legislators Robert Calarco and Bill Lindsay, and to Legislator Calarco’s Chief of Staff Eva Rodriguez-Greguski for organizing this event

For Tues, April 7 to Fri, April 11:  These clinics are designed to go over in detail with an attorney the flood insurance proof of loss requirement (see below).  Touro will not be able to participate in all of them, but other legal services providers will attend.

Tue, April 8:  Staten Island
– PLEASE CALL (646) 786-0887 to reserve your space and for details on the location

Wed, April 9:  Nassau County
– PLEASE CALL (646) 786-0887 to reserve your space, Freeport Recreational Center, 130 East Merrick Road, 10am-6pm
SPECIAL THANKS to Mayor Robert Kennedy and Nassau County Sandy Liaison Mike Raab for organizing this event

Thu, April 10:  Brooklyn
– PLEASE CALL (646) 786-0887 to reserve your space and for details on the location

Fri, April 11:  Queens
– PLEASE CALL (646) 786-0887 to reserve your space, Queens Library, 312 Beach 54 Street, Arverne, 11:30am-6:30pm

**FLOOD INSURANCE PROOF OF LOSS REQUIREMENT**

If you do not comply with the proof of loss requirement on time, you cannot sue your flood insurer.  Proof of loss is required if you are owed any flood insurance money, even if you are working with a public adjuster, consultant, contractor, or lawyer.  It is required even if you have been promised insurance money you have not received.   

However, the proof of loss requirement can be challenging and often requires ongoing professional help, including the use of experts to provide supporting documents, which these clinics cannot provide.  These clinics are likely to inform you of important steps to comply with the proof of loss requirement.  They are not a substitute for hiring experts that may be required to provide supporting documents.

We strongly recommend that you retain an experienced insurance attorney now — with experience in flood insurance claims in particular — to represent you.  Most work on a contingency, which means that there is no up front cost and legal fees are paid out of any recovery.

These clinics are not a substitute for retaining an experienced insurance lawyer, which may be important for these reasons: 

Filling out the forms:  To review and help complete the two main proof of loss forms.  (These are FEMA forms 86-0-9 and 86-0-12.  There is a separate, third form for ICC coverage, FEMA form 86-0-10.  They are available at http://www.fema.gov/fema-0)  These forms will always also require your own review and signature.

Supporting documentation:  To help identify necessary supporting documents.   The list of supporting documentation can be complicated, and is fact intensive.  Furthermore, this lawyer can work directly with experts to help procure it.

Sending proof of loss to the correct addresses so they are received on time:  To help ensure the signed proof of loss forms with all supporting documentation are sent to the correct addresses, by the correct methods, for the flood insurer on time.

Filing a lawsuit:  Submitting proof of loss is required, but not necessarily sufficient, to be paid owed insurance money.  Retaining an experienced insurance lawyer is also recommended if filing a lawsuit in Federal Court is necessary to vindicate your rights.

Additionally, and very importantly, filing a lawsuit may also be necessary simply to comply with FEMA’s interpretation of the lawsuit deadline, which varies by person.

We are sorry that this process is so complicated.  The legal services providers attending these clinics will not be able to take cases for representation.  For these reasons, these clinics should only be used as a last resort.    

See the flyers and updates on the upper right side of this screen for critical information about the impending flood insurance deadlines.

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