What is a proof of loss in Ontario, and why does it matter?

A proof of loss is a formal, signed document that sets out the details of your property insurance claim. It tells your insurer what happened, what was damaged or lost, and how much you are claiming. Under Ontario insurance law, submitting a complete and accurate proof of loss is often a mandatory step before your insurer will pay a valid claim.

What Your Proof of Loss Must Include.

A thorough proof of loss typically covers:

• The cause of loss, such as fire, water damage, or theft
• A detailed description of damaged or destroyed property
• The value of each item or the cost to repair or replace it
• The date the loss occurred
• Supporting documentation, including photos, receipts, and estimates

Common Mistakes That Delay or Deny Claims.

Small errors can give an insurer grounds to reduce or reject your home insurance claim. Watch out for:

• Missing the filing deadline set out in your policy
• Leaving out items or undervaluing your belongings
• Providing vague descriptions or incomplete documentation
• Failing to sign or properly swear the statement

Steps to Complete a Proof of Loss Correctly.

1. Review your policy to confirm the deadline and required information.
2. Document every damaged or lost item with photos, receipts, and estimates.
3. Record accurate values and a clear explanation of the cause of loss.
4. Complete, sign, and submit the form within the required timeframe.
5. Keep copies of everything you send to your insurer.

If you are preparing a proof of loss or your Ontario property insurance claim is being delayed, undervalued, or denied, we can help. Contact Gluckstein Lawyers today for a free, no-obligation consultation, and let us protect your entitlements and pursue the compensation you deserve.