RULING AND ORDER

BRIAN A. JACKSON, District Judge.

Before the Court is Defendant American Bankers Insurance of Florida's Motion for Summary Judgment (Doc. 47). Plaintiffs filed an opposition to the motion (Doc. 48). Oral argument is not required. For the reasons stated below, the motion is GRANTED.

I. FACTUAL HISTORY

This matter arises from circumstances surrounding the historic flooding that occurred in Baton Rouge in August, 2016. Eric Graham and Caroline Pries Graham claim that their floors were damaged by the floods. (Doc. 1-1 at p. 5). Plaintiffs allege that Republic Fire and Casualty Insurance1 provided insurance coverage for damages not caused by "flood" and that Bankers2 provided insurance coverage for damages that were caused by "flood." (Id.). Plaintiffs allege that they notified both Bankers and Republic of the damage and made claims for coverage, but that both companies denied coverage on separate grounds: Bankers claimed it could find no evidence of direct flood damage; Republic claimed the damage was caused by the evaporation of flood water under the floorboards, which constituted flood damage. (Id.). Plaintiffs claim that at the time of the filing of the complaint, the floors had gone unrepaired for ten months because neither company would accept responsibility for covering the damage. (Id.). Plaintiffs bring claims of breach of contract and bad faith against both Republic and Bankers. (Id. at pp. 6-9).

Bankers claims that Plaintiffs failed to timely file a Proof of Loss affidavit before filing their claim, as required by National Flood Insurance Program. (Doc. 47-1). Therefore, Bankers asserts that it is not statutorily obligated to pay Plaintiffs' claims pursuant to 44 C.F.R. § Pt. 61, App. A(1), Art. VII(J).

II. LEGAL STANDARD

Summary judgment is appropriate "if the movant shows that there is no genuine dispute as to any material fact and that the movant is entitled to a judgment as a matter of law." Fed. R. Civ. P. 56(a). "[W]hen a properly supported motion for summary judgment is made, the adverse party must set forth specific facts showing that there is a genuine issue for trial." Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 250 (1986) (quotation marks and footnote omitted).

In determining whether the movant is entitled to summary judgment, the Court "view[s] facts in the light most favorable to the non-movant and draw[s] all reasonable inferences in her favor." Coleman v. Houston Indep. Sch. Dist., 113 F.3d 528, 533 (5th Cir. 1997) (citing Brothers v. Klevenhagen, 28 F.3d 452, 455 (5th Cir. 1994)). At this stage, the Court does not evaluate the credibility of witnesses, weigh the evidence, or resolve factual disputes. Int'l Shortstop, Inc. v. Rally's, Inc., 939 F.2d 1257, 1263 (5th Cir. 1991), cert. denied, 502 U.S. 1059 (1992). However, if the evidence in the record is such that a reasonable jury, drawing all inferences in favor of the non-moving party, could arrive at a verdict in that party's favor, the motion for summary judgment must be denied. Int'l Shortstop, Inc., 939 F.2d at 1263.

In sum, summary judgment is appropriate if, "after adequate time for discovery and upon motion, [the non-movant] fails to make a showing sufficient to establish the existence of an element essential to that party's case, and on which that party will bear the burden of proof at trial." Celotex Corp. v. Catrett, 477 U.S. 317, 322 (1986). Summary judgment will lie only "if the pleadings, depositions, answers to interrogatories, and admissions on file, together with affidavits if any, show that there is no genuine issue as to any material fact, and that the moving party is entitled to judgment as a matter of law." Sherman v. Hallbauer, 455 F.2d 1236, 1241 (5th Cir. 1972).

III. DISCUSSION

Bankers claims that it issued Plaintiffs a Standard Flood Insurance Policy ("SFIP"), pursuant to the terms of the "Write Your Own"3 program promulgated by the National Flood Insurance Program ("NFIP"). (Doc. 47-1 at p. 4). The SFIP as set forth in 44 C.F.R. pt. 61, App. A(1), Art. VII(J) provides in relevant part:

In case of a flood loss to insured property, you must:

Bankers argues that Plaintiffs alleged their property suffered damage on August 21, 2016, and that the adjuster extend the deadline by which to file the Proof of Loss. (Id. at p. 8). Bankers claims that no Proof of Loss documentation was ever filed. (Id.). Plaintiffs argue that the lawsuit filed on June 30, 2017 substantially complied with the Proof of Loss requirements, and do not argue that they submitted any other document that by itself could be considered compliant with the Proof of Loss requirement. (Doc. 48 at p. 1).

Bankers claims that the Proof of Loss documentation was required to have been filed prior to the filing of any lawsuit. Bankers argues that the information contained in the lawsuit cannot be considered to be the Proof of Loss documents required under the SFIP. Bankers also asserts that even if the Court is inclined to conclude that the Proof of Loss submission requirement could be met by the documents attached to a party's verified petition for damages, certain required information was still not provided.

The Court need not reach the question of whether the Proof of Loss requirements were met by Plaintiff's verified petition for damages. Even if documents and pleadings accompanying a lawsuit may be considered Proof of Loss, Plaintiffs still have not provided all of the requisite information under 44 C.F.R. Pt. 61, App. A(1), Art. VII(J). Pursuant to the terms of the SFIP, a lawsuit may not be commenced until the Proof of Loss documentation is submitted:

Where federal funds are implicated, persons seeking such funds are obligated to familiarize themselves with the legal requirements for receipt of those funds. Wright v. Allstate Ins. Co., 415 F.3d 384, 388 (5th Cir. 2005). Under FEMA regulations, strict adherence is mandated for all requirements of the SFIP. 44 C.F.R. §§ 61.13(a). As noted, Plaintiffs were required to provide, among other things, detailed repair estimates and an inventory of damaged personal property. In a letter dated September 16, 2016, Plaintiffs allege that the "repair work will exceed $20,000.00;" however, no specific information was provided about what those repair costs entailed. (Doc. 1-1 at p. 141). In their initial disclosures, Plaintiffs allege that they are seeking "$50,000 to repair and replace the flooring at issue, along with storage costs, associated rental and moving fees" (Doc. 48-4 at p. 12), but again, do not provide further information.

Despite a thorough review of the record, the Court cannot identify any document that may be considered to be both a sworn or certified statement and a detailed description of repair costs, as required by the policy. Although there is no binding precedent setting criteria for what constitutes a "detailed estimate,"4 the Court finds that the statement that "repair work will exceed $20,000.00" alone does not meet such standard, as there are no details provided to Bankers to permit a reasonable evaluation of the claim. Copeland v. Fed. Emergency Mgmt. Agency, No. 03-2704, 2004 WL 325577 at *1, *3 (E.D. La. Feb 18, 2004) (holding that any Proof of Loss statement must provide enough information for FEMA to evaluate the merits of the claim). Further, the statement provided in the initial disclosures similarly lacks specificity and was not presented in the form of a sworn statement.

Other than documents attached to the Verified Petition, Plaintiffs do not claim to have filed any document styled "Proof of Loss" that fully complies with the requirements of the SFIP. This deficiency was noted by the Federal Emergency Management Agency Federal Insurance Mitigation Administration Appeals Board in its decision on Plaintiffs' appeal of Bankers' and Republic's denial of coverage when it found that "[t]he policy holder has not submitted a Proof of Loss to the insurer, or anything showing that, in fact, a General Condition of Flooding occurred at the building." (Doc. 1-1 at p. 204). This Court agrees. Even when inferences are taken in the light most favorable to Plaintiffs, they have not established compliance with the requirement of the SFIP.

IV. CONCLUSION

Accordingly,

IT IS ORDERED that Bankers' Motion for Summary Judgment (Doc. 47) is GRANTED.