By Eli Goins · FL DFS #P159790 · Reviewed: · 1 min read
Short answer: A Sworn Proof of Loss is a notarized statement describing your loss: its cause, date, scope, and amount claimed. Most Florida policies require one as a condition precedent to payment. It must include the itemized scope, the amounts claimed, other insurance in force, and your signature under oath. Attach a full estimate and photos, then notarize it.
What it must include
- Date and cause of loss
- Itemized scope of damage
- Amount claimed (typically ACV and RCV)
- Other insurance in force
- Signature under oath, notarized
Timing
Policies commonly require POL within 60 days of carrier demand. Some require it within 60 days of loss automatically.
How to complete correctly
- Use the carrier's form if provided
- Attach a full estimate, photos, mitigation invoices
- Notarize
- Certified mail with tracking