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