Virtually every standard insurance policy has mention of providing a Proof of Loss. It is the formal submission of your claimed amount. We suggest you obtain from your insurance company the form it wants you to use.

Once a Proof of Loss is submitted, the insurance company usually must respond within 30 days. Many times insurance companies do not require a Proof of Loss to be submitted.

Ask the adjuster if they will pay without submitting a Proof of Loss. Flood Insurance always requires a Proof of Loss completely and timely filled out even if the adjuster says otherwise!