The “Proof of Loss” - Be SURE to submit.
The “Proof of Loss.” What is it?
A proof of loss is a formal written statement of a claim which is often required to be signed, sworn and notarized.
Louisiana state law (along with many others) requires that the insured (you) request a “proof of loss” form from your insurance company and submit all pertinent additional supporting documentation
There are many items involved in creating and documenting a proof of loss. Remember to include these items if applicable:
Written detailed report with the cost of materials and labor to restore the property.
Photographic documentation of damages sustained.
Documentation supporting the claimed costs.
Description and cost breakdown of items overlooked in the repair process.
Emergency Services /Tarping.
Debris removal.
Water mitigation costs and labor and reasons why needed.
Cost of repair and build-back.
Creation of personal property inventory that was damaged or destroyed and price submission.
Loss of use / Additional Living Expenses.
Business loss interruption when applicable .
Please take note!
Failure to complete a comprehensive proof of loss may result in having your claim denied. It should not be ignored. Be pro-active and begin compiling information as soon as possible
A proper “proof of loss” will also have within it some of this additional information:
The names of the parties that are filing the claim as found on the policy.
Policy number, origination date of policy, and claim number.
The date of the loss and the type of loss (hurricane, fire, wind, flood, etc.)
Are there other policies that might cover part of the loss? For instance in a hurricane, there might be flood damage as well as wind damage. If so you will need to file a separate proof of loss for each insurance company, since these are separate policies.