What must be provided when an insured submits proof of loss?

When an insured submits proof of loss, providing details of the incident is crucial. This information forms the foundation for the insurance claim, allowing the insurer to understand the circumstances surrounding the incident that led to the loss. Having clear and comprehensive details helps the insurer assess the validity of the claim, determine the coverage applicability, and process the claim efficiently.

Factors such as the date, time, location, and description of the event all play a role in establishing the context of the loss. This information enables the insurance company to investigate and determine how the coverage applies based on the insured's policy. Clear incident details ensure that the claims process can proceed smoothly and can aid in resolving any disputes regarding what occurred.

Including a police report, documentation of damages, or a list of repairs made may also be relevant in specific circumstances, but they are not strictly necessary in all cases of proof of loss. Focusing on the incident’s details is foundational and serves as the primary basis for any further claims validation processes.