What happens if an insurer does not send proof of loss forms within the required timeframe?

When an insurer does not provide proof of loss forms within the required timeframe, it can lead to delays in the claims process for the claimant. This is because the proof of loss is a critical document that provides the details needed to assess the claim. If the insurance company fails to send this form promptly, the claimant will not have the necessary information to complete their claim, which can result in a postponement of the overall claims settlement.

In some jurisdictions or under specific policy provisions, the failure to send proof of loss forms within the stipulated timeframe may not void the claim or waive the claimant's right to sue. Instead, it primarily impacts the efficiency and timeliness of the claims handling process. Thus, while the right course of action may also include discussions about penalties or legal ramifications, the immediate consequence perceived by the claimant is a delay in their ability to move the claim forward.