If an insured gives notice of loss and the insurer does not furnish the forms, what must the insured do?

• A. Wait for the insurer to send forms
• B. Submit a complaint to the state regulator
• C. File written proof of loss
• D. Provide a phone recording

Answer: (C)

When a loss occurs, you must prove the loss in writing, even if the insurer doesn’t provide claim forms. The written proof of loss is the formal document that outlines what happened, the type and amount of loss, and any other details the insurer needs to evaluate your claim. This requirement is typically time-bound by the policy—you must submit the proof within the time the policy specifies (or within a reasonable time if no specific period is stated). Forms from the insurer are helpful, but they aren’t the only way to satisfy this requirement; you can submit a sworn statement or a letter that contains the same essential information. Waiting for forms or escalating to a regulator or making a phone recording doesn’t fulfill the insured’s duty to prove the loss in writing.