Proof of loss

What is a proof of loss?

A sworn statement the carrier may require documenting the damage and the amount claimed — often with a deadline that can sink a claim if missed.

Definition

A proof of loss is a formal, often notarized document the homeowner submits to the carrier stating what was damaged, when, and how much is being claimed. Some carriers require it on every claim; others only on larger or disputed ones.

The catch is the deadline. Policies frequently require the proof of loss within a set number of days of the request, and missing it gives the carrier grounds to delay or deny the claim entirely.

For a roofer, the value is awareness: if a proof of loss is requested, the homeowner needs to file it on time. Tracking that deadline alongside the rest of the claim keeps a paperwork technicality from killing an approved job.

Related terms
Scope of lossThe carrier’s itemized estimate of the damage and what they’ll pay to repair it — the document every claim is built on.Claim supplementThe formal submission, with documentation, that asks the carrier to revise an approved claim and pay for additional or corrected line items.Claim denialWhen the carrier refuses to pay — often for “no covered damage” or “wear and tear” — which isn’t always the final word.Certificate of completionA signed document confirming the roof work is finished — usually required before the carrier releases the recoverable depreciation.
Related guides
Industry GuideThe Complete 13-Step Storm Damage Roofing Claims Process [2026 Guide]Insurance ClaimsWhy Roofing Insurance Claims Get Denied (And How to Fix It)

Put the playbook to work

HailMate reads the scope, flags the line items carriers leave off, and tracks every claim to the final depreciation check.

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