What Is the Sworn Proof of Loss Form?

James H. Finks III

A Proof of Loss is a formal document that your insurance company may request as part of the claims process. It’s essentially a signed, sworn statement from you — the policyholder — that outlines the facts of your loss and how much you’re claiming. While it may sound intimidating, it’s really just your opportunity to present what happened, what was damaged, and what you believe is owed under your policy.

This document is important because it helps the insurance company verify the details of your claim and supports their decision on how to proceed. Submitting an accurate and timely Proof of Loss can also help prevent delays in claim payments and avoid disputes later in the process. Some insurance policies even include specific deadlines for when this document must be submitted — so it’s crucial not to ignore or postpone it if your insurer requests one.

To successfully complete a Proof of Loss, you’ll want to have a few key items ready:

Your policy or declarations (dec) page – This confirms your coverage and policy number.

Details about the loss – The date and time it happened, what caused it, and a description of the damage.

An inventory of what was lost or damaged – Including estimated values or repair costs, if available.

Names of any contractors, vendors, or professionals involved – Especially if you’ve already had repairs started or estimates provided.

Photos or documentation of the damage – This strengthens your statement and helps avoid disputes.

Some insurance companies may provide a specific form to fill out, while others may expect a more customized version.