What must an insured do if the insurer does not provide loss forms after notice of loss?

When an insured experiences a loss and notifies the insurer but does not receive the required loss forms, it is essential for the insured to take proactive steps to ensure that their claim is processed. Submitting written proof of loss is crucial in this context because an insurer typically requires proof of loss to evaluate and settle a claim.

The duty of the insured to provide written proof of loss stems from the terms of most insurance policies, which outline the obligations of the policyholder following a loss event. Even if the insurer has not supplied the necessary forms, the insured is still responsible for gathering the necessary information and documenting the loss to support their claim. This might include creating their own written statement that details the circumstances of the loss, any relevant dates, and the extent of the damages.

Taking this initiative helps to facilitate the claims process and may prevent delays in receiving any benefits that are owed to the insured under their policy. This is why submitting written proof of loss is the correct action to take when the insurer fails to provide the appropriate forms.