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Loss Announcement and Evidence of Losses in Arizona Real Estate Insurance Coverage Blog



Like other states, Arizona law and jurisprudence create perimeters around notices of loss and evidence of loss claims from insurance companies.

In Arizona, "claim notification" refers to any notification, whether in writing or otherwise, to an insurer or its agent, it is acceptable under the terms of the insurance policy, which reasonably informs the insurer of: the relevant facts of the claim. 1

Policyholders are encouraged to look at the wording of their insurance before applying. Most insurance companies require proof of loss within 60 days. However, police conditions that require a notice of loss or the filing of a proof of loss within a certain period of time cannot be used against the insured as confiscation of their claim. 2

If a policyholder fails to submit proof of loss, the insurance company will not be released from its contractual obligations unless they can show prejudice through this failure. 3 An insurance delay in submitting proof of loss is not sufficient to show prejudice. 4

Critically, an insured material compliance is sufficient evidence of loss claims, which is strongly interpreted against the insurance company . 5 If the policy does not state whether specific proof of forms of loss is required, the insured does not need to use the insurance company's forms, if the only requirement is the submission of a "detailed proof of loss, duly answered." 6 [1

9659016] _________________________
1 Ariz. Admin Code R20-6-801 (B) (8).
2 Zuckerman v. Transamerica Ins. Co. 133 Ariz. 139, 143 (1982).
3 Lindus v. Northern Ins. Co. of New York 103 Ariz. 160, 164 (1968).
4 Globe Indem. Co. v. Blomfield 115 Ariz. 5, 7 (App. 1977).
5 Truck Ins. Exchange v. Hale 95 Ariz. 76, 81-83 (1963).
6 [19659016] Maryland Cas. Co. v. Clements
15 Ariz. App. 216, 221 (1971).


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