Proof of Loss Requirements

A sworn Proof of Loss can become the governing claim document. Understanding what's required, and what's risky, in the submission is essential.

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Reviewed by Eli Goins, FL DFS License #P159790 · Last updated May 11, 2026

By Eli Goins · FL DFS #P159790 · Reviewed: May 11, 2026 · 1 min read

Short answer: A Proof of Loss is a sworn statement you sign under oath, usually on a carrier-provided form, listing your damages and the amount claimed. Carriers require it only when they demand it, typically giving you 60 days to respond. Include accurate loss facts, document everything carefully, and verify accuracy before signing.

What a Proof of Loss is

Sworn statement of the insured
Lists damages claimed
Specifies amount claimed
Typically carrier-provided form
Signed under oath before notary

When required

When carrier demands (not automatic)
Specific policy provision activated
Typically 60 days from demand to respond

Ocean Point Claims:florida matching statutes

What to include

Loss facts

Date and time of loss
Cause of loss
Location of damage
Parties at scene

Damages claimed

Structural scope
Contents inventory with values
ALE calculated to date
Mitigation costs

Amount claimed

Total claimed amount
Breakdown by coverage
Depreciation noted

What to avoid

Admitting unfavorable facts

Don't characterize gradualness
Don't speculate about cause
Facts only, no theory

Over-claiming

Claim based on evidence
Avoid inflated amounts
Maintains credibility

Under-claiming

Don't omit damages not fully documented yet
Reserve rights for supplemental
List-known-to-date

Inconsistencies

Must align with prior statements
Prior claim history consistent
Policy coverage claimed must match

Ocean Point Claims:ordinance or law coverage

Working with counsel or PA

Retained counsel or PA can prepare
Insured signs under oath
Attorney-client privilege on preparation notes
Verify accuracy before signing

Frequently asked questions

What is a Proof of Loss?

It is a sworn statement signed by the insured under oath before a notary, typically on a form the carrier provides. It lists the damages claimed and specifies the total amount claimed. Because it is sworn, it can become the governing claim document.

When am I required to submit one?

A Proof of Loss is not automatic. It is required when the carrier demands it and a specific policy provision is activated. From that demand you typically have 60 days to respond.

What should I include in it?

Include the loss facts such as date and time, cause, location, and the parties at the scene. Document the damages claimed, including structural scope, a contents inventory with values, ALE calculated to date, and mitigation costs. State the total amount claimed with a breakdown by coverage and depreciation noted.

What mistakes should I avoid?

Do not admit unfavorable facts, speculate about the cause, or characterize the loss as gradual; stick to facts only. Avoid both over-claiming with inflated amounts and under-claiming by omitting damages, reserving rights for supplemental claims instead. Keep everything consistent with your prior statements and verify accuracy before signing.