What is one duty of a homeowner after a loss?

A homeowner has a clear responsibility after experiencing a loss, which includes submitting a sworn proof of loss. This document serves as a formal statement provided to the insurance company detailing the losses incurred and the circumstances surrounding the event. It often requires the homeowner to certify the accuracy of the claim and may include an itemization of damages and losses. By completing and submitting this proof of loss, the homeowner initiates the claims process, allowing the insurer to assess the claim and begin the evaluation and potential reimbursement process.

The requirement of a sworn proof of loss underscores the importance of providing proof and specifics about the damages to support the claim. It is a critical component of ensuring that the claim is handled efficiently and fairly by the insurance company. This duty helps maintain clear communication and documentation for both the homeowner and the insurer, facilitating a streamlined process for resolving the claim.