When a home insurance claim happens, emotions run high. But what many people don’t realize is that every homeowners policy includes specific “Duties After a Loss.”
These duties are not optional. If they are not followed — and the failure harms the insurance company’s ability to investigate — coverage can be denied.
Here are the eight required duties most policies include:
1️⃣ Provide Prompt Notice to Your Insurance Company
Report the loss as soon as reasonably possible. Delays can create coverage issues and make the investigation more difficult.
2️⃣ Notify Police if a Theft Occurs
If property is stolen, you must file a police report. This creates an official record of the incident.
3️⃣ Notify Credit Card or EFT Companies (If Applicable)
If credit cards or electronic funds transfer cards were stolen, contact the issuer immediately to limit fraudulent charges.
4️⃣ Protect Property From Further Damage
After a loss, you are responsible for preventing additional damage.
Examples:
- Tarp a damaged roof
- Shut off water to prevent further leakage
- Board up broken windows
Insurance covers sudden and accidental damage, not ongoing damage due to neglect.
5️⃣ Cooperate With the Insurance Company’s Investigation
You must work with your insurer during the claim process. This may include answering questions, providing documents, or assisting with inspections.
6️⃣ Prepare an Inventory of Damaged Personal Property
Create a detailed list of damaged or stolen items, including:
- Description
- Quantity
- Approximate age
- Estimated value
Photos and receipts are extremely helpful.
7️⃣ Show Damaged Property & Provide Documentation (If Requested)
If requested, you must:
- Allow the insurer to inspect damaged property
- Provide records or documents
- Submit to an Examination Under Oath (EUO) if required
An EUO is a formal recorded statement about the loss.
8️⃣ Provide a Sworn Proof of Loss Within 60 Days (If Requested)
If the insurance company requests it, you must submit a signed, sworn proof of loss within 60 days.
Why This Matters
Insurance policies are legal contracts. Following these duties helps:
- Speed up the claim process
- Prevent delays
- Protect your coverage
- Reduce misunderstandings
If you ever experience a loss, call your agent immediately. We can walk you through each step so nothing gets missed.
Preparation before a claim is what prevents problems during a claim.
– S&S Insurance Services
