What must an insured provide after a loss occurs under their property insurance policy?

In the context of a property insurance policy, after a loss occurs, the insured is required to provide proof of loss as requested by the insurer. This proof serves as a formal statement detailing the circumstances of the loss, the items damaged or destroyed, the value of those items, and other relevant information that assists the insurer in processing the claim. Providing this documentation is critical as it supports the claim and helps in determining the amount the insurance company will pay for the loss.

The other options, while they may have some relevance to the claims process, do not fulfill the essential requirement established in property insurance policies. A declaration form primarily outlines coverage specifics but does not demonstrate the specifics of the loss itself. A property appraisal might be useful for determining value in some cases but is not universally required. Similarly, a witness list could potentially support a claim but is not a mandatory component when filing a claim for a property loss. Overall, the submission of proof of loss is the key action that enables the insured to substantiate their claim effectively.