What is Proof of Loss?

If you have experienced a loss your insurance company will often have you sign specific forms called proof of loss which is associated with the damages that are claimed by a policyholder. The proof of loss is usually just a one-page form which may contain a few other attachments that need to be provided to the insurance company.

Proof of loss forms request specific information from any policyholder regarding the overall time and date that losses occurred as well as the types of losses that are claimed. The proof of loss form will also detail the overall insurance policy limits and the overall asking amount of damages that a policyholder is asking for. Proof of loss may also mandate that a policyholder attached any of the estimates for damage that were added into their account in order to support their claims.

This form must be completely and accurately filled out and then signed by the insurance policyholder. It also needs to be notarized so that the proof of loss can be reported back to the insurance company. Insurance companies will usually respond to the sign proof of loss within 60 days in order to offer adjustment to the policyholder.

Proof of loss is something that an insurance company will request and something the policyholder must comply with in order to file their claim accurately. If there is a refusal for assigned proof of loss then there is a chance that there could be a failure to cooperate applied to your insurance case. If you have been required to provide proof of loss for your claim you should speak to an insurance claim lawyer so that you can work at filling out this paperwork accurately and effectively. Contact our offices today should you require any assistance with proof of loss.

This post was written by Kelly-Anne Jenkins of Jenkins Law P.L. Kelly-Anne is an insurance claims lawyer. She specializes in personal injury, car accidents, and bicyclist injury. The information on this site is not intended to and does not offer legal advice, legal recommendations or legal representation on any matter. Hiring an attorney is an important decision, which should not be based on advertising. You need to consult an attorney for legal advice regarding your individual situation.