After an insured gives notice of loss, what must he/she do if the insurer does not furnish forms?

• A. File sworn proof of loss
• B. File written proof of loss
• C. Notify the insurer in writing
• D. Wait for forms

Answer: (B)

After notice of loss, the insured is expected to prove the loss to the insurer. If the insurer doesn’t supply claim forms, the insured should still submit a written proof of loss describing what happened, what was damaged, when, and the amount being claimed, along with any supporting documentation. This written statement satisfies the requirement to document the claim and keeps processing moving forward. Waiting for forms would delay the claim, and notifying in writing has already occurred. Sworn proof of loss isn’t automatically required just because forms aren’t provided; a written proof of loss is the immediate step unless the policy specifically requires a sworn statement.