Proof of Loss Each insurance company provides a form that is used to document damaged or destroyed items. Your insurer will request specific information from you in the event of a loss. Keeping receipts and a current home inventory can assist the claims process. There are many reasons why you might have a property loss: a thief might damage your home while breaking into it and stealing your valuables; a fire, a windstorm or a sewer backup might damage part or all of your home. After a loss happens, contact your insurance representative as soon as possible. Immediately make notes and take photos – if safe to do so – of as many details as possible.Information Your Insurer NeedsWhen you need to make a claim, you will be asked to complete a proof of loss form. Typical information you'll be asked for includes:The type of damage that occurredWhat covered items were involved – for instance, if it was a theft, what personal property is missing?The current replacement value of the property damaged or destroyed, as well as the value of the contents involved – original receipts or other records can be used to confirm the value of damaged itemsEvidence of the loss – if a natural disaster partially or completely damages your home, you will need to document (e.g., via photographic evidence, adjuster review, etc.) all elements that were lost, along with their value.Every insurance company has a unique form for detailing the replacement value of items. The form reflects any applicable government regulations as well as the insurer's specific requirements.What Happens NextOnce you complete and submit the proof of loss form, the following takes place: Your documentation is thoroughly reviewed.Your insurance company will either accept or reject your claim for items you have noted on the form.When the review is complete, your insurer will determine a total loss value for your claim and contact you.You will have an opportunity to consider the payment amount your insurer is offering you.If the proof of loss form is accepted, your payment, less any applicable deductible, will be processed.Property policies typically include a deductible, which is a specified sum or a percentage of the total amount of insurance that is deducted from the amount of a loss. Regardless of the number of items claimed, a deductible applies only once per occurrence.If your property requires repairs, your insurance company may provide you with a selection of recommended local vendors to consider or you may choose your own. In the event of a loss, your insurance representative can guide you through the claims management process. Filing an Insurance ClaimSometimes life happens. If you’ve been in a collision or if your home has been burglarized or damaged in some way, you’ll want to get your life back to normal as quickly as possible. Related ServicesClaims ManagementAfter any incident, contact your insurance representative as soon as you can. Learn the 7 steps to making a home or condominium insurance claim, and how a claims management form works. Useful LinksEmergency PreparednessA fire, an earthquake, or a flood puts you and your family at risk. It’s important to have an emergency kit with 72 hours of supplies as well as an escape plan for your family.Buying Home InsuranceAs a homeowner, you need to insure your house for replacement costs so that in the event of serious damage or destruction you have adequate coverage. Be sure to keep your home insurance current by reporting material changes or upgrades.Home Inventory ApplicationA current inventory of your belongings makes it easier to file a claim. Keeping your records off-site is wise in case a fire or flood damages your property. Consider updating your home inventory each spring and advise your insurer of any major purchases.