What is the required action by the insured under the proof of loss provision?

The proof of loss provision is a critical aspect of insurance policies that outlines the responsibilities of the insured to substantiate a claim after a loss occurs. In this context, the requirement for the insured is to furnish written proof of loss. This document acts as a formal statement that insures a systematic approach to the claims process, allowing the insurer to evaluate the claim effectively.

Providing written proof is essential because it ensures that there is a clear and unambiguous record of the loss being claimed. This documentation typically includes details such as the nature of the loss, the amount claimed, and any other pertinent information that can aid the insurer in the assessment of the claim. Written proof also serves as a protective measure for both the insured and the insurer, establishing an official record that can be referred back to if any disputes arise.

In the context of the other options, verbal proof of loss, while it might be useful for initial discussions about a claim, does not meet the formal requirements set forth in most insurance policies, which necessitate a written submission. Furthermore, the stipulation about providing proof of loss within 30 days pertains to the timeline for submission rather than the form of proof, and although timely notification is important, the act of documenting the claim remains paramount.