Why is my insurance company asking for a Proof of Loss?

Often times when you file a property damage insurance claim, your insurance company requires you to provide certain documentation in support of your claim.  This is a requirement in your insurance policy under your Duties After Loss.  One of those duties, when requested by the insurance company, is to provide a Sworn Statement in Proof of Loss within sixty days of their request. However, there are a few insurance companies that require this document be submitted, without being requested and have made it an actual requirement in their policies. Most property owners would not even know this language exists in their policies, much less know how to complete this document or where to obtain the information needed.
 
A Sworn Statement in Proof of Loss, also referred to as a Proof of Loss or POL, is a document which sets forth information that is contained in your insurance policy, the date and time of loss, the type of loss, your information as the owner of the property and information on anyone who also owns an interest in your property.  It also requires you to provide the amounts of your loss which is also accompanied by supporting documentation.
           
There has never been a time when this request was made of our clients, that they knew what to do.  We always prepare them on behalf of our clients and submit the Proof of Loss to the carrier together with the supporting documentation.  We can 100% back up what is being claimed with our detailed itemized estimates and photos and any additional support documentation which is included in the valuation of your property damage.
 
This is why we are referred to as insurance professionals.  With our knowledge and expertise in the industry, along with being in business for over 15 years, we know exactly what is required.  We make it our business practice to prepare and submit this document before it is requested by the insurance company.  Also, by submitting the Proof of Loss, we place the insurance company on notice and they are required to respond within the time period specified in the policy.
 
Always let a licensed, knowledgeable public insurance adjuster assist you to complete the required document submission for your insurance claim.  You can always rely on Reliant! Call us 561-288-6434 or contact us here.