вЂњOur goal is to get policyholders back on their feet as quickly as possible,вЂќ Mr. (The advance is deducted from the final payout.) The program also has streamlined its appeals process for policyholders who disagree with their payout, he said. The flood program has eliminated some вЂњcumbersomeвЂќ forms of paperwork, he said, and can now advance up to $20,000 for repairs even before an adjuster inspects the property. And insurers that sell and administer flood policies for the federal government have indicated they have an вЂњample supplyвЂќ of claims adjusters to inspect properties and assess damage, he said.Д¬hanges have been made to the claims process in recent years to help make filing simpler and faster, he said. Extensive power outages delayed the return to some areas.Д¬oastal Louisiana, with its history of hurricanes, has a relatively high proportion of properties carrying flood coverage, Mr. Pennsylvania, New Jersey, New York, Connecticut and Massachusetts account for most of the losses.Дavid Maurstad, a senior executive of the federal flood insurance program, said on Wednesday that about 17,000 claims had been submitted so far from Ida, although it was relatively early because some people in Louisiana were still getting access to their properties. The property data company CoreLogic estimated that total insured flood loss for both residential and commercial properties in the Northeast was $5 billion to $8 billion, with losses for uninsured properties about double that. Robert Hunter, the federationвЂ™s director of insurance, said the additional flooding in the Northeast would result in about $2 billion in insured damage - although actual damage is probably much higher because many structures lacked flood insurance.

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