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

In the situation where the insurer fails to furnish forms after a notice of loss, the insured has a responsibility to file written proof of loss. This requirement is integral to the claims process, ensuring that the insurer is formally made aware of the necessary details surrounding the incident that resulted in the loss.

Filing written proof of loss allows the insurer to evaluate the claim based on documented evidence. This documentation typically includes information such as the date and nature of the loss, the circumstances surrounding it, and any other relevant details that support the validity of the claim. In many insurance policies, there are provisions that stipulate that written proof of loss must be submitted within a specific timeframe, signaling to the insured the urgency and importance of making this submission.

While contacting a broker, waiting for the insurer's response, or submitting an oral declaration may seem like options, they do not align with the requirements set forth in insurance policies regarding the proof of loss process. Adequate written documentation is critical to prevent delays and ensure that the claim is handled effectively.