Sworn Proof of Loss in Florida: What It Is and How to File It Correctly

What is a Sworn Proof of Loss?

A Sworn Proof of Loss is a legal document you sign under oath that details the damage to your property and the amount you are claiming from your insurance company. Most Florida homeowners insurance policies require you to submit one within 60 days of the insurer's request.

Failing to submit it on time — or submitting one with errors — can give your insurer grounds to deny your entire claim. That is why getting it right matters.

What Does a Sworn Proof of Loss Include?

• Date and cause of the loss
• Description of the damaged property
• Actual Cash Value (ACV) of damaged items
• Amount claimed under the policy
• Any other insurance policies covering the same property
• Your signature, sworn before a notary

Florida Law and the Proof of Loss Requirement

Under Florida law, insurers can require a Sworn Proof of Loss as a condition of payment. Florida Statute 627.70132 governs claim filing requirements. If your insurer denies your claim based on a defective proof of loss — even for a minor error — that denial may itself be challengeable as bad faith.

Common Mistakes That Get Claims Denied

• Missing the 60-day deadline after the insurer's request
• Undervaluing damaged items (use replacement cost, not what you paid years ago)
• Not having it notarized
• Failing to list all damaged property
• Inconsistencies with your initial claim report

What to Do If Your Insurer Denies Based on Proof of Loss

If your insurer is using your Sworn Proof of Loss to deny or reduce your claim, contact a property damage attorney immediately. Under Florida law, insurers cannot use technical defects as a pretext to avoid paying a legitimate claim.