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Florida Property Insurance Claims: What You Need to Know About Proof of Loss


When you file a property damage claim, you want to be paid out as soon as possible so that you can get started making repairs. However, in some cases, there may be a delay. You may receive a proof of loss request from your insurance company before any settlement offer is made. If you receive one, you have a legal obligation to submit and return this request. It is one of the many responsibilities you have as a policyholder. A proof of loss is not requested in every case. It is sent out at the discretion of the insurer.

A Proof of Loss Request Requires a Sworn Statement

When the insurance company requests a proof of loss, any information given in response is done under oath. This means that any statements, documents or records you give the insurance company must be in good faith and must be accurate to the best of your ability. You are legally required to be completely forthright. While this may be intimidating, it is a good thing. This is because it makes any response that you give compelling evidence. However, it also makes it critically important that you carefully think through your response to ensure that it is completely accurate.

Proof of Loss Requests and the Top Three Mistakes You Need to Avoid

A proof of loss request does not mean that your property damage claim is going to be denied. It simply means that the insurance company needs additional information or documentation. In some cases, that additional information can be quite simple and your claim may be resolved in short order. However, in other cases, the additional information may be complicated and a property insurance dispute may result. Regardless, you can dramatically increase your odds of a successful outcome by handling the proof of loss request with proper care. Many people unknowingly damage their own insurance claims by making avoidable mistakes. The following is a list of three common errors that you must avoid:

  1. Missing a deadline: When it comes to insurance claim, you never want to miss a deadline. The failure to return a proof of loss request before the deadline could result in your claim being denied. Do not give the company a reason to deny your claim.
  2. Making a misrepresentation: Since a proof of loss request is a sworn statement, lack of candor in response could result in your claim being denied. Even worse, it could result in further adverse action being taken against you. Always be honest.
  3. Not knowing the terms your policy: You should always take the time to review your individual insurance policy to ensure that you fully understand your obligations and requirements. Remember, the failure to follow through with any of these requirements could result in your claim being denied.

Was Your Property Insurance Claim Denied?

Our team is standing by, ready to help. At Geyer Fuxa Tyler, our property insurance dispute attorneys have helped many business and homeowners throughout the region recover full and fair settlement offers. If your claim was denied, please reach out to our team today. We will review your claim, free of charge with no further obligations to you. Our firm represents property owners throughout Broward County, including in Fort Lauderdale, Hollywood and Weston.


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