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We are running into several insurers requiring a proof of loss submission prior to allowing appraisal to proceed. We have yet to find any policy term or condition that would stipulate that the proof of loss is a conditions precedent that would delay the appraisal process.

We do agree that the insured has a duty to submit a proof of loss within 60 days of it being required, but that condition stands alone and has no bearing on the appraisal process.

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