What is required to file a homeowners insurance claim?

To successfully file a homeowners insurance claim, it's essential to provide proof of loss, the policy number, and any relevant documentation. The proof of loss is a formal statement that details the specifics of the incident or damage incurred, which is crucial for the insurer to assess the claim accurately. The policy number helps the insurer quickly locate the corresponding coverage details and verifies the policyholder's entitlements. Relevant documentation can include photographs of the damage, receipts for any repairs, or a police report if applicable.

While the other options may sound plausible, they lack the comprehensive detail and substantive evidence necessary for a successful claim process. Simply providing a policy number without any documentation would not support the claim adequately. A verbal report could initiate the claim but is insufficient on its own to serve as formal evidence. Witness statements may be helpful in certain scenarios but are not typically a requirement for filing the claim itself.