What is the maximum timeframe allowed for submitting proof of loss to an insurer?

The maximum timeframe allowed for submitting proof of loss to an insurer is generally 90 days. This period is established to ensure that claimants provide necessary documentation in a timely manner, facilitating the prompt settlement of claims. By requiring proof of loss to be submitted within 90 days, insurers can effectively manage claims processes and mitigate delays that might arise from prolonged waiting periods.

In the context of insurance practices, ensuring prompt submission helps maintain the integrity of the claims process and allows insurers to verify claims and disburse funds correctly. Provisions for this timeframe are commonly found in the terms and conditions of many insurance policies, underscoring its importance in managing policyholder expectations and protecting the interests of both parties involved in the contract.