How many days does an insured person have to submit proof of loss for an own-damage claim?

For an own-damage claim, the standard timeframe for an insured person to submit proof of loss is typically set at 90 days from the date of the loss or damage. This period allows the insured sufficient time to gather necessary information and documentation related to the claim, such as photographs of the damage, repair estimates, and any other relevant evidence.

Adhering to this 90-day timeframe is essential because it ensures that the insurance company can promptly process the claim, assess the damage, and take necessary actions to compensate the insured accordingly. While this period can vary based on specific policy terms and local regulations, 90 days is a common standard and is widely observed in the industry for claim submissions.

In contrast, the other timeframes such as 30, 60, or 120 days typically do not align with the standard requirements for most insurance policies concerning own-damage claims, thus making 90 days the most correct and applicable response.