Two-month renewal period opened for Florida residents with expired flood insurance policies

Policyholders of the Florida National Flood Insurance Program affected by Hurricane Ian may renew recently expired policies without the consequences of lapsed coverage, but for a limited period of time.

The Renewal Extension applies to policyholders whose Flood policy has an expiration date between August 25, 2022 and October 23, 2022.

For example, if the original renewal date of the policy was August 25, 2022, the policy could be renewed on or before November 23, 2022, and the claim for damage suffered from Hurricane Ian could be claimed. You can submit. If the renewal date was October 23, 2022, the policy may be updated before January 21, 2023.

Policyholders wishing to take advantage of the grace period must contact their agent or insurance company within 90 days of the policy expiry date to discuss the policy. If you don’t have this information, call her NFIP at 877-336-2627.

As of November 5, 2022, 44,000 NFIP claims have been paid in Florida, totaling $351 million.

FEMA Expands Proof of Loss Requirements

FEMA has also extended the proof of loss requirement for Florida flood policyholders who experienced flood damage from Hurricane Ian from 60 days to 365 days.

NFIP extensions are available to policyholders in 26 Florida counties designated for FEMA’s Individual Assistance Program. These counties are Brevard, Charlotte, Collier, DeSoto, Flagler, Glades, Hardy, Hendry, Highlands, Hillsboro, Lake, Lee, Manatee, Monroe, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, Sarasota, Seminoles, St. John’s, Volusia.

However, all Florida policyholders, even policyholders in non-designated counties, must monitor Because counties may be added.

NFIP coverage is available regardless of federal disaster declarations. Content insurance is also available for rent. Coverage is available for residential and commercial buildings.

  • For one to four-family residential structures, building coverage is up to $250,000 and content coverage is up to $100,000.News Release: Florida Flood Insurance Policyholders Granted Additional Grace Period
  • Up to $500,000 in building coverage and up to $100,000 in content coverage for structures occupied by 5 or more families.
  • Up to $500,000 in building coverage and up to $500,000 in corporate content coverage. Please be patient as there is a 30 day waiting period for the new policy to take effect. NIFP partners with over 50 private insurers and NFIP Direct to sell and service flood insurance.

To find a list of Flood Insurance Writers in Florida, visit: florida flood insurance writer (

For more information about NFIP, whether you live in a participating community, what is covered by the NFIP policy, or how to submit a claim, please contact your insurance company or visit:

For the latest information on Florida’s recovery from Hurricane Ian, please visit: When follow FEMA Region 4 (@femaregion4) / Twitter and

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