What is a 'proof of loss' form in property claims handling?

A proof of loss is a formal statement — frequently sworn (signed under oath) — that the insured submits to the insurer documenting the details of a claimed loss, typically including the date and cause of loss, a description and inventory of the damaged property, and the amount being claimed. Many property policies require the insured to submit a proof of loss within a specified time after a loss as a condition of recovering payment. The adjuster uses it, along with the investigation, to evaluate the claim. Understanding the proof of loss — what it is and its role as a policy condition — is important documentation content for the adjuster exam.