What must an insured provide to the insurer when submitting a claim?

When submitting a claim, the insured must provide proof of claim to the insurer. This document serves as evidence that a loss has occurred and outlines the details of that loss, including what exactly has been lost or damaged, the circumstances surrounding the event, and the amount being claimed. By requiring proof of claim, the insurer can assess the validity of the claim and determine the appropriate compensation according to the terms of the policy.

Other documents, such as a claim application or loss evaluation, may be part of the claims process, but they do not specifically fulfill the requirement to substantiate the claim itself. An insurance certificate typically demonstrates coverage but does not provide the necessary information about the loss or the specifics of the claim being made. Therefore, proof of claim is essential as it directly supports the claim being submitted.