Proof of Loss

A proof of loss is a formal document you submit to your insurance company providing detailed information about your claim. It's typically a sworn statement signed under oath.

When It's Required:

• Usually required for claims over a certain amount
• Insurer may request it within 60 days of the loss
• Required before claim can be finalized
• May be required for disputed claims

  What's Included:

• Date and cause of loss
• Detailed description of damage
• Itemized list of damaged/stolen property
• Value of each item
• Other insurance coverage
• Your signature under oath

  Importance of Accuracy:

• False statements can void your entire policy
• Inaccurate information delays claims
• Estimates should be reasonable and documented
• When uncertain, note it as an estimate

  Supporting Documentation:

Attach supporting evidence:

• Photos and videos of damage
• Home inventory records
• Receipts and proof of ownership
• Repair estimates
• Police reports (if applicable)

  Getting Help:

If you're overwhelmed, consider:

• Asking your agent for guidance
• Hiring a public adjuster
• Consulting an attorney for large claims

  Deadlines:

Check your policy for proof of loss deadlines—missing them could jeopardize your claim.