Health · Chapter 18 · Claims Provisions
Proof of Loss
Definition
Mandatory provision requiring the insured to demonstrate that a loss occurred: proof within 90 days of the loss; if that's not reasonably possible, as soon as possible — but never later than 1 year, unless the claimant is legally incapacitated (then even the 1-year cap doesn't apply — F.S. 627.612).
In plain English
Notice says 'something happened' (20 days); proof says 'here's what it cost' (90 days).
Exam tip
Claims-clock chain: notice 20 → forms 15 → proof 90 (outer limit 1 year — waived entirely for legal incapacity).
Easy to confuse with
These are what this term gets tested against — if you can't tell them apart cold, drill the contrast.
Related terms