What is normally sent from an insured to an insurer, informing the insurer of events leading to a possible claim?

The correct answer, Notice of Claim, is a crucial document in the insurance process as it serves to formally notify the insurer about an event that may result in a claim. When an insured experiences a loss or an event that impacts their coverage, they are typically required to inform the insurance company using this document. The notice lays out the details of the incident, helping the insurer assess the situation and begin the claims process.

Timeliness is often important in this context, as delay in submitting a notice of claim can potentially affect the insured’s entitlement to benefits under the policy. By capturing relevant details right away, the notice facilitates prompt investigation and resolution of the claim.

The other choices serve different purposes. An appraisal form is used to determine the value of property for insurance coverage rather than for reporting a claim. An insured contract generally refers to the agreement between the insurer and the insured outlining the terms of coverage but does not report individual claims. The proof of loss is a formal statement provided after the notice of claim that substantiates the amount being claimed and details the loss but is submitted later in the claims process.