Written by Andy Gurczak

April 7, 2022

What is an Insurance Claim Proof of Loss?

If a fire, hailstorm or hurricane has damaged your home, your property insurance carrier will be responsible for reimbursing you for the covered loss and damages. However, before the insurance company pays any money, you will have to start the claims process. And a big part of the claims process is filing an insurance claim proof of loss.


An insurance claim proof of loss is a legal document. In small property damage claims, the insurance company may not request a proof of loss. However, in large claims, or claims which are questionable or suspicious, the insurance company may request a proof of loss.

The proof of loss is different from the insurance claim itself. It is a legal document that often must be notarized.

Property Insurance, life insurance and car insurance companies often require proof of loss. Indeed, the insurance policy requires the insured to supply a proof of loss within 60 days if asked.

What is Included in a Proof of Loss?

Of course, basic information is listed on the proof of loss. This includes the name of the insured, the date and cause of the covered loss and the amount of the loss.

When submitting the proof of loss, the insured can also attach supporting documentation to the insurance company.

Without such supporting documentation, the insurer may refuse to pay all or part of the claim.

What Are the Insured’s Duties After a Loss?

Homeowners’ insurance policies require homeowners to take steps to protect their property after a covered event. For instance, a tree fell on a roof, punching a hole in the roof. The homeowner will file a property loss claim for the damage the fallen tree caused.

However, under the insurance policy, the homeowner has the duty to mitigate damages. Therefore, the homeowner has to have the tree removed. In addition, the homeowner has to cover the hole in her roof until it can be repaired.

If she does not do that, and there is a later rainstorm that causes damage to the inside of her home, the insurance company may deny coverage for the water damage.

 If You Need a Public Adjuster to Help File an Insurance Claim Proof of Loss, Call AllCity Adjusting

We are a family-owned claims company with five decades of combined adjusting experience. Consequently, if there’s one thing we understand, it’s that you need 100% of your claim value.

Insurance companies may undervalue your claim 8 out of 10 times. Moreover, they hire expensive claims adjusters to ensure they maintain a strong profit margin. In addition, they have experienced actuaries that help their team of agents challenge your insurance claim’s validity and value.

Having a fire or hurricane damage your home means you have already gone through a tumultuous event. However, you will now have to prepare a proof of loss for your homeowners’ insurance carrier. You will want to fill out an insurance claim proof of loss form that is complete and accurate. Moreover, you will want to include documents that support your property damage claim so that you get fully paid for your claim. And preparing an accurate and complete proof of loss statement can be a challenge for any homeowner.

At AllCity Adjusting we work to ensure you get 100% of your claim value. With over 50 years of combined adjusting experience, we know insurance companies and understand where they cut corners. Therefore, we help you build a larger claim, maximize your claim value, and get you back to normal fast.

We Can Help You file a Proof of Loss

We can help in filing a proof of loss form. Therefore, we will make sure the information required is included with your proof of loss. Additionally, we will include estimates for repairs, receipts for temporary repairs and any other documents that support your property loss claim. Indeed, if your insurance carrier wants a sworn statement from you, we will help you prepare it.

Don’t get fooled, get the company that gets you more. Call us today at 844.692.3587 or visit our website to find an office near you.

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Best way to beat the insurance company is to hire AllCity Adjusting

At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.
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Salvageable v. Non-Salvageable Property After a Fire

Salvageable v. Non-Salvageable Property After a Fire

If a fire has occurred at your home, your first concern, of course, is the safety of yourself and your family. However, depending on the extent of the fire damage, you will have to resolve the issue of salvageable v. non-salvageable property after a fire. Homeowners’ insurance protects your home itself (Dwelling Coverage) and its contents (Personal Property Coverage). High heat, smoke, and soot can cause extensive damage to your personal property, such as clothes, furniture, hardwood floors, and appliances. For instance, smoke damage causes fabrics, clothes, and soft goods to reek of the smell of smoke. Additionally, smoke and soot can discolor objects and reduce the life span of electronics and machinery. Consequently, you and your insurance company will have to determine which personal property is salvageable v. non-salvageable property after a fire.

Actual Cash Value v. Replacement Cost Value

Actual Cash Value v. Replacement Cost Value

Many homeowners never read their homeowners’ insurance policy. Then a covered loss, like a fire or hurricane, causes extensive damage to the home and contents. Of course, the homeowner files a claim with her insurance company. Eventually, the homeowner gets a claim settlement offer from the home insurance company. However, only then does the homeowner learn the difference between actual cash value v. replacement cost value coverage.

What is an Appraisal Clause in an Insurance Policy?

What is an Appraisal Clause in an Insurance Policy?

Water damage insurance claims are some of the most frequent home insurance claims that homeowners file. However, homeowner insurance does not cover all types of damages caused by water. Therefore, handling water damage insurance claims requires the homeowner to be careful and diligent before and during the claims process.

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Unfortunately, a terrible storm moved through your area. It left fallen trees and damaged homes in its wake. Your house was one of them. You have never filed a claim with your homeowners’ insurance company. But you now have a homeowners’ property damage claim-do you need an attorney?

How to Negotiate a Fire Damage Insurance Claim

How to Negotiate a Fire Damage Insurance Claim

One of the most traumatic events experienced by homeowners is a fire in their homes. Certainly, the potential for serious injury can be significant. However, the relief that no one was harmed soon fades away as the reality of the property damage sinks in. Now, one key question for the homeowner will be how to negotiate a fire damage insurance claim settlement.

Insurance Claims for Poorly Installed Stucco

Insurance Claims for Poorly Installed Stucco

Stucco is a popular siding used on new developments, homes, and businesses since the early 1900s. Manufacturers make it of cement, limestone, and silica. In fact, it has become very popular in the last 20 years. However, when not installed properly, it can lead to several problems. Therefore, some homeowners will have to file insurance claims for poorly installed stucco.

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