If an insured gives notice of loss, and the insurer does not furnish forms, what must the insured do?

When an insured gives notice of loss to their insurer and the insurer fails to provide the necessary claim forms, the insured is required to file written proof of loss in order to proceed with their claim. This obligation is aligned with the general principles of insurance contracts, where the insured must substantiate their claim after notifying the insurer of the loss.

Filing written proof of loss serves several important purposes: it provides a clear and detailed account of the incident, the damages incurred, and any other relevant information. This documented proof helps the insurer in assessing the claim and determining whether it is valid under the terms of the insurance policy.

The responsibility lies with the insured to ensure that they follow through with this process, especially in the absence of the insurer’s guidance in the form of claim forms. This step is crucial in maintaining compliance with the terms of the policy and ultimately facilitating the claims process.

In contrast, while requesting forms from the insurer is a proactive measure, it is not the mandatory action required in this scenario. Similarly, waiting for the insurer's response may delay the process and seeking legal advice is not necessary at this stage unless other complications arise. Therefore, the correct action for the insured is to file written proof of loss to ensure that their claim can be