After an insured gives notice of loss, what must they do if the insurer does not provide forms?

When an insured gives notice of loss and the insurer does not provide the necessary claims forms, the insured is still obligated to file written proof of loss. This is a crucial step in the claims process, as it formalizes the claim by providing documentation of the incident and the associated losses.

Written proof of loss typically includes information such as the date of the loss, the circumstances surrounding it, and any relevant documentation that supports the claim, such as receipts or police reports. In many insurance policies, the requirement to submit proof of loss is a condition for coverage, meaning that failure to provide this documentation can delay or even deny the claim, regardless of whether forms were provided by the insurer.

The other options, while they may seem relevant to the claims process, do not satisfy the requirement placed upon the insured in the absence of forms. Simply submitting another claim, waiting for a period of time, or contacting state authorities would not fulfill the need to properly document and substantiate the loss to the insurer. Therefore, the obligation to file written proof of loss is essential for the processing of the claim.