When is an insured required to provide proof of loss?

An insured is required to provide proof of loss when filing for a claim. This documentation is a critical step in the claims process because it officially informs the insurance company of the specifics of the loss or damage incurred, detailing what happened, the extent of the damages, and any relevant supporting evidence. Providing proof of loss is essential for the insurer to evaluate the claim accurately and determine the appropriate compensation.

Proof of loss typically includes receipts, photos of the damage, and any other relevant documents that substantiate the claim. It serves as a formal declaration that allows the insurance company to process the claim efficiently. Other scenarios, such as immediately after an accident or during court proceedings, may involve their own requirements, but the specific obligation to submit proof of loss arises during the claim filing process.