The Affidavit of Fire Loss is a crucial document in the insurance claims process, required when property owners need to formally document losses sustained in a fire incident. This sworn statement, which must comply with U.S. federal and state insurance regulations, provides a detailed account of the fire incident, including date, time, circumstances, and a comprehensive inventory of damaged or destroyed property. The document serves as a legal foundation for insurance claims processing and may be required by insurance companies, mortgage holders, or other interested parties. It must be notarized and typically includes supporting documentation such as photographs, receipts, and official fire department reports.
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1. Declarant Information: Personal information of the person making the affidavit
2. Property Description: Detailed description of the property affected by fire
3. Incident Details: Date, time, and circumstances of the fire
4. Loss Description: Detailed account of items lost and damages incurred
5. Insurance Information: Details of relevant insurance policies
6. Verification Statement: Statement affirming the truth of the information provided
7. Notarization Block: Space for notary acknowledgment
1. Witness Statements: Statements from witnesses to the fire, used when additional verification is needed
2. Fire Department Report Reference: Reference to official fire department report, used when available
3. Prior Claims History: History of previous insurance claims, included when required by insurer
1. Schedule A - Itemized Loss List: Detailed inventory of lost or damaged items with values
2. Schedule B - Supporting Documentation: Photographs, receipts, appraisals, and other proof of value
3. Schedule C - Fire Department Report: Copy of official fire department incident report
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