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Frequently Asked Insurance Questions

What Is Proof of Loss?

If you need to file a claim following a loss, your insurer will require proof of the loss.

This term refers to proof of possession, ideally, the original bill of sale. Other documents, however, may be accepted, such as:

  • owners manual/operating instructions
  • appraisals
  • warranty cards
  • credit card or bank account statements, etc.

A Proof of Loss form must be certified by a notary public or commissioner of oaths. Once an insurer receives proof of loss, the claim must be processed quickly. Insurers have:

  • seven days to declare their intention to repair or replace the article, or to repair the damage
  • sixty days to either pay compensation or reject the claim

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