Proof of Loss
A Proof of Loss is a formal, detailed statement you must submit to your insurer documenting the circumstances, extent, and value of your claimed loss.
What You Need to Know
After you file a claim, your insurer will require a proof of loss — a sworn statement providing specifics about what was damaged, how the loss occurred, the value of items lost, and supporting documentation like receipts and photos.
Why It Matters for Restaurant Owners
Accurate, timely proof of loss is essential for claim payment. Keep organized records of all equipment purchases, improvements, and inventory so you can quickly document losses.
- Take photos of your restaurant quarterly showing equipment, furnishings, and property
- After a loss, document everything immediately before cleanup — photos, videos, and written descriptions
Proof of loss requirements explain why restaurants without proper documentation receive far smaller claim payments than those with thorough records.
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