Under the proof of loss provision, how many days does the insured have to provide written proof of loss to the insurer?

The proof of loss provision typically outlines that the insured must submit written proof of loss to the insurer within a specified timeframe following a loss event. In many insurance contracts, this period is set at 90 days. This duration is designed to allow the insurer adequate time to investigate and process the claim while also providing the insured with sufficient time to gather the necessary documentation to support their claim.

Establishing a 90-day requirement balances the needs of both parties: it gives the insurer a reasonable period to assess claims and helps ensure that the insured does not face undue delay in receiving benefits for valid claims. Shorter periods, like 30 or 60 days, may not always give the insured enough time, particularly in situations where gathering proper documentation might take longer. The choice of 120 days may appear excessive for timely claim processing. Therefore, the 90-day timeframe effectively reflects industry norms and practices regarding the proof of loss requirement.