Opinion ID: 76127
Heading Depth: 2
Heading Rank: 1

Heading: Sanz' Insurance Policy

Text: 3 In issuing Sanz' flood insurance policy, Security acts as the fiscal agent of the United States Government. 1 Therefore, Sanz' flood insurance policy contained standard terms and conditions mandated by the National Flood Insurance Act of 1968 (Act), see 42 U.S.C. § 4001(a), (b), and Code of Federal Regulations, see 44 C.F.R. § 61, App. A(1). 2 Furthermore, the terms and conditions of the insurance contract are undisputed in this case. 3 4 Four provisions of the standard flood insurance contract are relevant to this case. The first is the general no waiver provision in the policy. That provision states that the policy cannot be amended nor can any of its provisions be waived without the express written consent of the Federal Insurance Administrator. No action we take under the terms of this policy can constitute a waiver of any of our rights. 44 C.F.R. § 61, App. A(1), Art. 9D (1998). 4 5 The second is the 60-day proof of loss requirement in Sanz' policy. Specifically, the policy states that Sanz is required, [w]ithin 60 days after the loss, [to] send [Security] a proof of loss, which is [Sanz'] statement as to the amount [he is] claiming under the policy signed and sworn to by [him] and furnishing specific information. Id. at Art. 9J(3). 6 The third relates to the adjustor's role and states, [t]he insurance adjuster whom [Security] hire[s] to investigate [Sanz'] claim may furnish [him] with a proof of loss form, and she or he may help [Sanz] to complete it. However, this is a matter of courtesy only, and [Sanz] must still send [Security] a proof of loss within 60 days after the loss even if the adjuster does not furnish the form or help [Sanz] complete it. Id. at Art. 9J(6). 7 Finally, the policy gives the government the option to waive the proof of loss requirement. Specifically, the policy states that the federal government may, at [its] option, waive the requirement for the completion and filing of a proof of loss in certain cases.... Id. at Art. 9J(7).