Insurance Coverage Q&A: Proof of Loss Needed Before Appraisal?
This Q&A discusses an insurer's request for a proof of loss before allowing an appraisal to proceed.
February 01, 2021 at 07:00 AM
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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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