What a POL is
A Proof of Loss is a sworn statement under oath describing the date, cause, items, and amount of loss. Most Florida policies make timely submission a condition precedent to payment.
Why carriers send POL demands
Three common reasons, not all legitimate:
- Genuine information need: carrier lacks scope data
- Clock reset: carrier wants to restart the 90-day payment clock under Fla. Stat. 627.70131
- Denial setup: carrier wants to argue the POL was incomplete or untimely, then deny for breach of condition
How to respond correctly
- Read the policy definition of POL: it's specific
- Respond within the policy deadline (commonly 60 days)
- Use the carrier's form if one was provided
- Attach your full scope (estimate, photos, mitigation invoices)
- Notarize
- Certified-mail delivery with tracking
When to get help
If the POL demand arrives after 90 days have already elapsed, or if the carrier has already inspected the property, consider whether the demand is a delay tactic. Document the timing carefully.