The short answer
Purpose of the Form
The proof of loss form serves as your official statement about what happened to your home. It documents the date of the water damage, the source of the water, and the specific areas or items that were affected. Your insurer uses this information to evaluate your claim and determine what your policy covers.
This form is not just a simple list. It often requires a detailed inventory of damaged property, including descriptions and your estimate of the value. Being thorough here helps the claims process move more smoothly, so take time to record everything you can see.
- Date and cause of the water damage
- Description of each damaged item
- Estimated value of lost or damaged property
- Any additional living expenses you incurred
- Your signature confirming the information is true
When You Need to Submit It
Your insurance company typically sends this form after you file a claim for water damage. You may receive it within a few days of your initial report. The deadline to return it is usually listed on the form itself, so check that date carefully.
If you are unsure about a deadline, ask your insurer directly. Missing a deadline could delay your claim, so it is better to ask for clarification early. Keep a copy of the completed form for your own records.
What to Include in the Inventory
List every item that was damaged by the water, even if it seems minor. Include furniture, electronics, clothing, documents, and structural elements like drywall or flooring. For each item, write a brief description and a sensible estimate of its value.
Photographs and receipts are helpful to attach, but do not wait to submit the form if you cannot find them right away. You can provide supporting evidence later in many cases. The key is to get the form completed accurately and on time.
- Room-by-room breakdown of damaged items
- Receipts or photos if you have them
- Value estimates based on what you paid or current replacement cost
- Notes about any pre-existing damage or prior repairs
- List of any temporary repairs you made after the water event
Common Mistakes to Avoid
One common error is underestimating the value of your belongings. People often forget the cost of replacing items at today's prices. Another mistake is leaving out damage that you discovered later, so walk through every room before you sign.
Do not sign the form if you are unsure about something. You can ask your insurance company for clarification or request more time if needed. Also, avoid estimating repair costs without checking local prices, as that can lead to an inaccurate claim.
After You Submit the Form
Once your proof of loss form is submitted, your insurance company will review it and may ask for additional information. They might send an adjuster to inspect the damage or request more detailed documentation. The review process can take some time, so be patient.
If you need help documenting the damage for your claim, a water damage inspection can provide a detailed report of what is affected. Professional structural drying and dehumidification may also be necessary to prevent further damage while you wait for a decision.
- Keep copies of all correspondence with your insurer
- Track any expenses you pay out of pocket for temporary repairs
- Document the condition of your home with photos and notes
- Ask for written confirmation when you submit the form
Talk to someone now
Water keeps spreading into floors and walls, so it is worth acting early. Calls are answered 24/7.
Call Now (801) 383-0232Frequently asked questions
What happens if I miss the deadline for the proof of loss?
Missing the deadline can delay your claim or lead to a denial. Contact your insurance company immediately if you think you will be late. They may grant an extension, but you need to ask before the due date passes.
Can I ask a professional to help document the damage?
You can ask a water damage professional for help documenting the damage, but the form itself is your responsibility. They can provide a detailed inventory and photos, which you can then use to complete the form accurately.
Do I need to submit the form if my claim is small?
Yes, most insurance policies require a proof of loss form for any water damage claim, regardless of size. Check your policy to confirm, but it is safer to complete and submit the form even for minor damage.