Sworn proof of loss

How do we get a sworn proof of loss signed and notarized by the claimant and filed to the claim before the state's or the policy's deadline?

Generate the proof of loss from the claim and chase the signature on the deadline. When the adjuster requests it, Callvu generates the sworn statement prefilled from the claim (the policy, the date and cause of loss, the interest of the insured and others, the encumbrances, the amount claimed from the inventory and estimates), sends it to the claimant through a link with the deadline and the instructions, arranges the notarization (remote online notarization where the state allows it, or a notary appointment), reads the returned statement and checks it against the claim, routes a variance to the adjuster in the Decision Desk, and files the executed proof to the claims system with the date received, which starts the state's decision clock.

In scopeSimpleCallvu moves: chase and verify, write back

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Last updated November 7, 2026.

The problem today

The proof of loss form was mailed blank; the claimant filled it in wrong, missed the sixty days, and the insurer's decision clock never started.

Today, without Callvu

The adjuster requests a sworn proof of loss. A blank form goes to the claimant by post with a cover letter. The claimant does not know what to put in the amount, cannot find a notary, and returns it late or not at all. The insurer cannot decide the claim without it, the claimant blames the insurer for the delay, and the state's decision period, which runs from receipt of the proof, has not begun.

The policy conditions require a signed, sworn proof of loss within sixty days of the insurer's request (or of the loss in some forms), with the time, place and cause of the loss, the interests of all parties, the encumbrances, other insurance, the changes in title and the inventory with values; several states set their own proof of loss deadlines and require the insurer to furnish the forms and instructions. Every field is already on the claim.

The proof of loss is a document the insurer can prepare and a signature the insurer can make easy.

How it runs

From the requestto the system of record.

The adjuster requests a sworn proof of loss on the claim, or the policy's condition requires one. Callvu generates it from the claim.

Claimant: Reviews the prefilled statement, corrects what is wrong, signs and has it notarized through the link.
Adjuster: Requests the proof, and decides variances between the statement and the claim in the Decision Desk.
Callvu: Generates, sends with the deadline, arranges notarization, reads and checks, routes and files.

Generate from the claim
The sworn statement in proof of loss is prefilled from the claims system: the policy number and period, the insured and the mortgagee or other interests, the date, time, place and cause of the loss, the occupancy, the encumbrances, other insurance, the inventory or schedule of loss with the amounts from the documents on the claim, and the amount claimed; the form is the state's or the insurer's with the instructions the state requires.
Chase and verify the signature
The claimant receives the statement through a link with the deadline (the policy's sixty days from the request or the state's period), the instructions and the notarization options: remote online notarization where the state and the policy allow it, or a notary appointment the process schedules; reminders go on the deadline's schedule; the returned statement is read, the signature and the notary's seal and commission are checked, and the figures are compared with the claim.
Decide the variances
A statement that matches the claim is accepted by rule; an amount that differs from the documented loss, an interest or encumbrance not on the claim, or a cause of loss stated differently goes to the adjuster in the Decision Desk with the statement and the claim side by side and only the allowed outcomes: accept, request a corrected statement with the specific item, or reject with the reason in writing within the state's period.
Write back
The executed proof of loss is filed to the claims system with the date received, which starts the state's decision clock; a rejection with reasons is sent within the state's period and recorded; the claimant can see that the proof was received and what happens next.

Where it ends: The claimant signed a statement that was already correct, notarized through the link, inside the deadline, and the claim's decision clock started on a recorded date. The Decision Trace shows the generation sources, the checks and any adjuster decision; the Audit Trace shows the request, the reminders, the notarization, the receipt and the filing.

Runtime enforcement

What is enforcedwhile the work runs.

The regulations preloaded in Callvu Studio and the bank's own policies, applied as steps that run, not lines in a binder. A step that breaks a rule does not run, so a completed run was compliant.

Regulations

State proof of loss deadlines (for example New York Insurance Law 3407 and the sixty-day rule, California Insurance Code 2071 standard fire policy, Florida Statute 627.70131, Texas Insurance Code 542.055): States set the period within which the insured must furnish a sworn proof of loss after the insurer requests it (sixty days in the standard fire policy and most states), require the insurer to furnish the proof of loss forms and instructions within a set period after notice of the claim, and provide that an insurer that fails to furnish the forms may not rely on the insured's failure to file; the insurer's rejection of a proof must be in writing with reasons within the state's period, and the decision period runs from receipt of a proof.
Policy conditions on the sworn proof of loss (ISO HO 00 03 Section I conditions, CP 00 90 loss conditions, the standard fire policy lines 90 to 122): Within sixty days after the insurer's request the insured must send a signed, sworn proof of loss setting forth the time and cause of loss, the interest of the insured and all others in the property, all encumbrances, other insurance, changes in title or occupancy, specifications of damaged buildings and estimates, an inventory of damaged personal property with quantities, costs, actual cash value and amount of loss, and receipts for additional living expenses.
State remote online notarization laws and the notary commission rules: Most states authorize remote online notarization with identity proofing, an audio-video recording and an electronic seal; where the state or the policy does not allow it, the process schedules an in-person notary; the notary's commission and seal are checked on the returned statement.

Company policies

The proof of loss is prefilled from the claim; the claimant corrects, never composes.
The deadline is the policy's or the state's, on the request, with reminders scheduled to land before it.
Notarization is arranged by the process, remote where the state allows it.
The claims system holds the executed proof with the date received that starts the decision clock.

Controls

Generation from the claims system with the state's form and instructions.
Deadline on the request with scheduled reminders.
Remote or scheduled notarization.
Signature, seal and figure checks on return.
Decision Desk for variances with a written rejection on the clock.
Claims system filing with the date received.

Clocks and deadlines

State proof of loss deadlines: Sixty days from the insurer's request in most states and policy forms, on the request.
Forms and instructions: Furnished within the state's period after notice of the claim; the generation satisfies it.
Decision after proof: The state's period from the date the proof is received, started by the filing.

Documents and checks

The adjuster's request and the prefilled statement
The reminders and the notarization record
The executed proof of loss as returned and checked
Any rejection with reasons
The claims system filing with the date received

In the Decision Trace

The sources prefilled into the statement.
Each check on the returned statement.
Any variance decision and the person.

In the Audit Trace

The request with time and the deadline.
Each reminder, the notarization and the receipt with time.
The filing and the clock start.

The handoff

Between the front doorand the back office.

The front door

The claimant through the link, on a phone or a computer, with remote notarization where the state allows it.

The back office

The adjuster requests with one click and sees only variances; the claim's decision clock starts from the record.

The Decision Desk

A variance between the sworn statement and the claim (the amount, an interest, the cause) goes to the adjuster in the Decision Desk with both in view and only accept, request a corrected statement, or reject with reasons in writing within the state's period.

Proof

In scope.Proof at scale, not one process at a time.

The kind of process Callvu runs in production for customers in this industry. Ask for a reference on this exact process. The results below are the industry's published proof; each claim code links to its record on agents.callvu.com.

Phoenix put more than 100 processes live in under 3 months.

Across Callvu customers

More than 1,000 processes are live across Callvu customers.

Across Callvu customers

Questions

What buyers ask next,answered plainly.

What is in the proof of loss?

The time, place and cause of the loss, the interests and encumbrances, other insurance, the inventory or schedule with values and the amount claimed, all prefilled from the claim for the claimant to confirm and swear to.

How is it notarized?

By remote online notarization through the link where the state and the policy allow it, or by a notary appointment the process schedules.

What does the deadline do?

The claimant has the policy's sixty days or the state's period from the request; receipt of the proof starts the insurer's decision period, recorded on the claim.

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