New Jersey Life and Health State Practice Exam

A written proof of loss is typically required to initiate a claim after a loss has occurred because it serves as a formal declaration to the insurance company detailing the facts of the loss. This document provides essential information that the insurer needs to evaluate the claim, including the nature of the loss, the time and place it occurred, and any other relevant details that support the claim.

Without this proof, the claims process cannot begin, as insurers require this specific documentation to validate and assess the legitimacy of the claim. While other documents like a claim summary report may provide additional context, they do not replace the need for written proof of loss. An insurance certificate reflects coverage but does not contain the details of a loss, and a premium payment receipt only confirms that payments have been made, which is unrelated to the claim initiation process.