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

When an insured gives notice of loss to an insurer and the insurer fails to provide the necessary claim forms, the insured is still responsible for submitting proof of loss. This means they need to create and submit a written statement outlining the details of the loss, including any relevant information that verifies the claim.

Submitting written proof of loss is a critical step in the claims process. It formally documents the claim and assists the insurer in evaluating the circumstances surrounding the incident. In many insurance policies, there is a specified time frame in which the insured must provide this proof after reporting the loss.

While waiting for the insurer’s instructions, contacting a legal advisor, or submitting an online claim might seem like potential actions, these options do not fulfill the insured's obligation to provide written proof of loss, which is necessary for the claim to proceed. By submitting this documentation, the insured ensures that their claim is processed in a timely manner, thereby protecting their rights under the policy.