Key points
- A proof of loss is a signed, sworn statement of the amount you are claiming.
- Your insurer may require it — your policy sets the deadline.
- Flood policies (NFIP) generally require it within 60 days of the loss.
- Back every number up with photos, estimates and receipts.
What usually goes on it
- Date and cause of the loss
- The amount claimed for the building and for contents
- Your deductible and any other insurance
- Your signature — often notarized
Backing it up
- Photos and video from before cleanup started
- The written mitigation and repair estimates
- A contents list with ages and prices
- Receipts for emergency costs and extra living expenses — see loss of use
How Vault helps
Vault documents the damage, records daily moisture readings, scopes in Xactimate, and bills State Farm, USAA, Allstate, Farmers, and Bear River Mutual directly. Our Xactimate scope and daily moisture logs are the kind of documentation adjusters ask for — see what Xactimate is and what to ask your adjuster. Read your policy or ask your agent about your exact deadline. General information, not insurance advice.
Common questions
What if I don’t know the final repair cost yet?
That is common, because drying and demolition often reveal more damage. Ask your insurer in writing, before the deadline, whether you can submit what you know now and add a supplement later, or whether the deadline can be extended. Keep a copy of every request and reply. General information, not insurance advice.
Do I have to sign the proof of loss the adjuster prepared?
Read it first. It is a sworn statement, so the amounts should match your own documentation — the written scope, the contents list and your receipts. Ask about anything you do not understand before you sign, and keep a copy. General information, not insurance advice.
Where do I get the proof of loss form?
Your insurer or adjuster provides it. For a flood claim under the NFIP, ask your flood insurance company — see flood insurance in Utah.
Working on a claim?
Call (385) 250-2825 — answered live 24/7 by the Vault crew.
Insurance claims help · Claim timeline · Document the damage
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