We are running into several insurers requiring a proof of loss submission prior to allowing appraisal to proceed. We have yet to find any policy term or condition that would stipulate that the proof of loss is a conditions precedent that would delay the appraisal process.
We do agree that the insured has a duty to submit a proof of loss within 60 days of it being required, but that condition stands alone and has no bearing on the appraisal process.
Colorado Subscriber
While the appraisal language doesn't reference the proof of loss, without the proof of loss indicating what property was damaged, it's difficult to claim that there's a disagreement in the settlement amount since the carrier can't know for certain that what has been presented so far is the extent of the loss. The standard proof of loss language reads : Send to us, within 60 days after our request, your signed, sworn proof of loss which sets forth, to the best of your knowledge and belief: a. The time and cause of loss; b. The interests of all "insureds" and all others in the property involved and all liens on the property; c. Other insurance which may cover the loss; d. Changes in title or occupancy of the property during the term of the policy; e. Specifications of damaged buildings and detailed repair estimates; f. The inventory of damaged personal property described in 6. above; g. Receipts for additional living expenses incurred and records that support the fair rental value loss; and h. Evidence or affidavit that supports a claim under E.6. Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery And Counterfeit Money under Section I – Property Coverages, stating the amount and cause of loss.
An appraisal is for when the insured and carrier disagree on the amount of the loss. While it could be that an insured disagrees with the carrier on the dwelling amount of a loss before the coverage C amount proof of loss has been completed,by requiring a proof of loss before going to appraisal the carrier ensures that all issues are dealt with at once, instead of opening itself up to multiple requests for appraisals for the same claim.