What must an insured do in response to a claim handling request?

In the claims process, filing a proof of loss is a crucial step for the insured. This document serves as a formal declaration of the loss, providing the insurance company with vital information about the claim, including details about the loss, the amount being claimed, and any relevant circumstances surrounding the event that caused the loss. The proof of loss is typically required by the insurer to process the claim effectively, and it ensures that the insurer has a clear understanding of what is being claimed.

By submitting this documentation, the insured confirms their intention to pursue the claim and provides the necessary evidence to support their case. This step is standard in the claims process and is often required by the terms of the insurance policy to initiate the review and resolution of the claim. Without it, the insurer may not be able to proceed with evaluating the claim or making a payment, making it a critical obligation for the insured in response to a claim handling request.