What is the time limit for submitting Proof of Loss to the insurer?

• A. 6 months after loss
• B. 9 months after loss
• C. 1 year after it is due
• D. 2 years after loss

Answer: (C)

The time limit hinges on when the Insurance contract requires Proof of Loss to be filed. The standard rule is that the insured must submit a Proof of Loss within one year after the loss occurs, so the claim is supported and can be investigated while the details are fresh. Many policies describe this as one year after it is due—the due date being the point the insurer requests the Proof of Loss or the claim officially begins—so the insured has a full year to complete and return the sworn statement and supporting documentation. This deadline helps prevent stale or fraudulent claims and keeps the claims process moving in a timely fashion. The other options—six months, nine months, or two years—do not align with the typical policy language that sets a one-year window for filing Proof of Loss.