Notice of Claim
The policyholder's formal communication to the insurance carrier that a covered loss has occurred. Required by the policy, often within a specific timeframe, and is the event that begins the claim adjudication process.
Notice of claim is the formal communication from the policyholder to the carrier that a covered loss has occurred. It is the event that begins the claim process and triggers the carrier's obligations under the policy.
Timing Matters
Every property policy includes a notice clause that requires prompt or timely notification after a loss. The specific requirement varies — some policies say "as soon as reasonably possible," others specify a set number of days. Late notice can create coverage issues if the delay prejudiced the carrier's ability to investigate the loss, though many jurisdictions require the carrier to prove actual prejudice before denying a claim solely on late notice.
What to Include
The notice should identify: the policy number, the date and time of the loss, the location, a description of what happened, an initial estimate of damage if known, and the policyholder's contact information for follow-up. Carriers typically assign a claim number upon receipt and provide instructions for next steps (proof of loss, inspection scheduling, documentation submission).
Notice vs Proof of Loss
Notice is the initial alert. Proof of loss is the sworn statement later in the process that documents what happened and how much is claimed. The two are distinct steps. Notice starts the clock; proof of loss continues the process. Each has its own policy requirements and its own deadline. Missing either can create coverage issues, so policyholders who are unsure should consult the policy or ask the carrier directly.
Frequently asked questions
Policies typically require prompt or timely notice, often defined as as soon as reasonably possible after discovering the loss. Some policies specify a number of days. Delay in notice can create coverage issues if the delay prejudiced the carrier's ability to investigate. Notify as soon as the loss is discovered and safe to communicate.
Typically: the date and nature of the loss, the location, a description of what happened, an estimate of damage if known, and contact information. The notice does not need to be exhaustive — it starts the process. Detailed documentation follows in the proof of loss and supporting materials.
You can authorize your contractor or a public adjuster to submit notice on your behalf, but the policyholder remains responsible for compliance with the notice clause. Many carriers accept electronic notice through apps or online portals; others require phone notice followed by written confirmation. Check your specific policy.
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