Proof of loss

What it means

A proof of loss is a formal statement, signed and sworn, that sets out the time and cause of the loss, who has an interest in the property, other insurance, and the amount you are claiming, with supporting estimates and inventories.

The deadline depends on the policy. The standard ISO homeowners form (HO 00 03) requires it within 60 days after the insurer requests it. The National Flood Insurance Program’s policy is stricter: within 60 days after the loss, whether or not anyone asks. The flood policy adds that the adjuster may help you fill it out as a courtesy, but you must still send it on time.

Why it matters to your claim

Missing a proof of loss deadline can give the insurer a reason to deny or delay payment, so treat it as urgent. For flood claims, mark 60 days from the date of the flood on your calendar the day it happens. Separately, Florida law bars a property claim unless notice is given within one year after the date of loss, and a supplemental claim within 18 months (§627.70132). Read your policy’s Duties After Loss section, or ask your insurer, your state insurance department, a licensed public adjuster or an attorney about your deadlines. Our water damage claim guide lays out the timeline.