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.

free claim review

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.
public adjusting call support

Real Support When You Need It!

Should You Make Your Own Insurance Claim Repairs?

Let’s say you had a small fire in your home. Faulty electrical wiring caused the fire. Of course, someone will have to tear down parts of the wall where the fire started. Then someone will have to hang new sheetrock and paint it. You’re pretty handy around the house. You’re thinking, should you make your own insurance claim repairs? Is there any way to get your insurance claim check faster?

What Are Some Common Business Insurance Claims?

Certainly, almost all businesses, from large corporations to mom-and-pop stores, will probably face some type of accident or incident that will become an insurance claim. Below we will discuss some common business insurance claims that businesses across the country must confront.Is there any way to get your insurance claim check faster?

How Does Home Repair Insurance Work?

How Does Home Repair Insurance Work?

Homeowners’ insurance will cover damage from unexpected and sudden perils, like hurricanes, fires, and hail. However, it excludes insurance coverages if the damage stems from everyday use and wear and tear to appliances, HVAC systems, etc. Therefore, if you feel you need insurance coverage for those items, you need to know the answer to the question: how does home repair insurance work?

How to File a Roofing Insurance Claim

How to File a Roofing Insurance Claim

Your roof is the primary protection for your home from the elements. Of course, the wind is probably the most dangerous element to your roof. However, roofs also get damaged by falling trees, electrical poles and wires, hail, and heavy snow. If a storm or some other unexpected event damages your roof, you will have to know how to file a roofing insurance claim.

How to Get Flood Insurance

How to Get Flood Insurance

Homeowners’ insurance protects homes from damages caused by fire, hurricanes, windstorms, and other natural disasters. However, standard homeowners’ insurance does not cover damages caused by floods. Consequently, homeowners and renters who live in a high-risk zone for flooding need to know how to get flood insurance.

commercial mold cleanup and restoration

commercial mold cleanup and restoration

If you have found mold in your business, you should be concerned. For instance, properly removing mold can be expensive and difficult to do correctly. Mold in your business can be dangerous for your health, and that of your employees, customers and visitors. However, commercial mold cleanup and restoration is necessary if you want to keep operating your business.

Stay Up to Date With The Latest News & Updates

Don't Wait - Get More

Get a free 1 hour consultation on your next call. So call today and challenge the insurance company narrative on your policy claim. We can help you with all your public adjuster claims support. Let us help you get more.

public adjuster service areas background

Join Our Newsletter

Do you want to learn more about public adjusting. In this newsletter we create helpful tips and hints and you will receive notifications when we post new articles.

Follow Us

Follow us on the following social networks.

Call Us Now

All City Adjusting

All City Adjusting