What is the responsibility of an insurer regarding the forms of proof of loss?

The correct answer is that the insurer is responsible for providing the forms to the insured but not for their completion. In most insurance practices, it is the responsibility of the insured to provide proof of loss by completing the forms accurately and submitting them to the insurer as part of the claims process. This process is designed to ensure that the insurer receives the necessary information to assess the claim effectively and fairly.

When an insurer provides the proof of loss forms, they are facilitating the claims process by making the necessary documentation available to the insured. However, the completion of these forms lies with the insured, as they hold the necessary knowledge about the details of the incident or loss that led to the insurance claim. Therefore, while the insurer plays a key role in providing the necessary documentation, the actual responsibility of filling out the forms and ensuring their accuracy rests with the insured.