Welcome to the Franklin CommRoom News and Update Section. Here you will find the latest Franklin and flood insurance industry news as well as the latest operational procedures, rule changes, marketing information and updates from the National Flood Insurance Program. 

You can keep up with Franklin and flood insurance industry news as well as the latest operational procedures, rule changes, marketing information and updates from FEMA and the National Flood Insurance Program ( NIFP ). 

If you are a Franklin Homeowners Assurance agent looking for NFIP policy processing, please click the Franklin Agent Policy Processing link in the Agent Resource Menu at the right or at the top of every page.

If you need assistance not found on this site please feel free to call us toll free at: 888-567-9600 or see Agent Contacts link in the Agent Resource Menu at the right. 

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Please read the following urgent message(s)

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NFIP Authorized Through May 31, 2012

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Hurricane Irene and Tropical Storm Lee have left many tired and frustrated victims in its wake. The magnitude of the storms coupled with the claim volume throughout the entire northeast has extended the normal claim life cycle. We at Franklin would like to thank all of you involved for your patience and hard work in this devastating event. I assure you that our tireless efforts and prayers will not end until these storms become a distant memory.

Gregory Devone

President

                                                             CLAIMS

      Appealing a Claim

 Any insured who is dissatisfied with a claim settlement offered by the insurer should follow the procedures below, excerpted from the NFIP Flood Insurance Claims Handbook (F-687).

 Addressing Questions About Your Insurance Claim

 The NFIP provides you with a process to appeal decisions regarding your flood insurance claim. This process will help you resolve claim issues, but it cannot give you added coverage or claim limits beyond those in your NFIP policy.

 In filing and completing your insurance claim, you may have questions, or need further explanations of decisions that have been made, especially with regard to coverage, dollar amount of damages, or your Proof of Loss. Before you may appeal, your insurer must make a final determination and send you a written denial of your claim or any part of it.

 Four Steps to Appealing Your Claim

 Step 1

 Talk with your adjuster, who has more knowledge about your claim than anyone. If you don’t understand certain decisions regarding, for example, application of coverage, timing of the filing of Proof of Loss, or the damage estimate, contact your adjuster first.

 Step 2

 If you are not satisfied with the adjuster’s answers, or do not agree with decisions, get contact information for the adjuster’s supervisor.

 Step 3

 If the adjuster’s supervisor can’t resolve your issues, contact the insurance company’s claim representative. Ask your insurance agent/producer or your insurance company representative for assistance. Please refer to your flood policy for more information on appeals; see General Conditions, Paragraph R.

 Step 4

 If you still have questions or concerns after following steps 1 through 3, contact FEMA. Write to:

 Federal Emergency Management Agency

 Mitigation Directorate

 Federal Insurance Administrator

 1800 S. Bell St.

 Arlington, VA 20598-3010

 This letter should be written by the Named Insured (as it appears on your NFIP policy) or by a legal representative, if necessary. The representative should clearly identify his or her relationship to the Named Insured. (For example, a son or daughter could be handling a claim for an elderly parent.) A legal representative may be asked to provide authorization from the Named Insured or other legal documents verifying the relationship.

 Your letter of appeal must be submitted to FEMA within 60 days from the date of the denial letter that you receive from your flood insurer.

 What to Include in Your Letter

 The following 6 items should be in your letter to FEMA in order to address your questions. (If for some reason your policy is not available, your insurance agent/producer can provide details for the first 3 items.)

 1.      The Policy Number, as shown on your NFIP policy’s declarations page.

 2.      The policyholder’s name, as shown as the Named Insured on the declarations page.

 3.      The property address, as shown on the declarations page. (Not your mailing address, if it is different from the property address.)

 4.      How you can be contacted, if you are out of your home.

 5.      The details of your concern. (Please be as complete as possible.)

 6.      The dates of contact and contact details for the persons with whom you have spoken in steps 1 through 3 on the previous page.

 What to Include with Your Letter -

Pease click on the NFIP  Claim Handbook link in the right column for full details

For NEW CLAIM Submission  Dial 1-800-759-8656

Colonial Claims 1-727-738-1366

All Seasons Adjusting 1-610-942-3606

 Resources to Help With Your Flood Claim

 Click on the link for Claim resources   http://claims.floodresource.com/ps/your-flood-claim