Under a homeowners policy, who must sign and swear to the proof of loss after a loss?

In the context of a homeowners policy, the proof of loss is an essential document that the insured must complete and sign after experiencing a loss. This document serves as a formal claim that outlines the details of the loss, including the nature of the damage, the amount claimed, and any other relevant information.

The insured is required to swear to the accuracy of the information provided in the proof of loss, affirming that it is complete and truthful. This requirement ensures that the insurance company has a reliable account of the loss from the policyholder's perspective, which is vital for processing the claim and determining coverage.

Other roles, such as the adjuster, play a part in evaluating the claim and may assist the insured in understanding what to include in the proof of loss, but they are not responsible for signing this document. The witness might be involved in validating certain aspects of the loss but doesn’t have any obligation to sign the proof of loss itself. The insurer, on the other hand, will review and process the proof of loss but does not sign or swear to it; their focus is on assessing the claim based on the evidence provided by the insured.