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ChuckDeaton
USA
373 Posts |
 Posted - 09/11/2002 : 00:37:52
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In the event that an insured submits a improperly completed contents list, should that submission be treated as Proof of Loss and is that submission subject to the rules, regulations and time limits that govern the rejection of a comprehensive, formal Proof of Loss?
The claim is a Fire Loss in Oklahoma. |
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CCarr
Canada
1200 Posts |
Posted - 09/11/2002 : 00:53:43
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Chuck, you refer to a "contents list", and distinguish that correctly from a Proof of Loss. Since you did not call this "list" a Schedule of Loss, a document short of a proof of Loss but never the less, in its "formal" form a sworn document by the insured; I can then only conclude the "list" is just that and no declaration is part of it.
Therefore, I do not believe that the "list" is owed the treatment required when a Proof of Loss is received; even if it would be found to be equally improperly completed as the list you refer to. |
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CCarr
Canada
1200 Posts |
Posted - 09/11/2002 : 00:58:27
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| I should add Chuck, that my comment is based on law other than what may exist in Oklahoma. However, the Statuatory Conditions of whatever policy you are dealing with will tell you what form the insured must submit for consideration of the carrier, to comply with the policyholder requirements after a loss, in the insured's legal effort to substaniate his claim. |
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Is a contents list a de facto Proof of Loss
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