what is the difference between proof of loss and loss notice 
the fnol loss notice is your first step in the claims process when a disaster occurs you must report losses to an insurance agent or company to start the claims process proof of loss is a later step in which you must provide details of the scope of the loss along with an explanation of losses the adjuster might require you to submit supporting materials such as photos or video of the damage 12can an insurance company reject a proof of loss if you provide false information in the proof of loss the insurer might reject it or even deny the claim 13 typically the insurance company requires you to submit the form within a specified period such as 30 or 60 days in some cases filing the form later than the due date may result in a claim denial however some state insurance codes prohibit a provider from denying a claim strictly based on a policyholder filing a proof of loss form after its due date 14the bottom linenormally the first step in the formal claims process the first notice of loss fonl is the initial report made to an insurance provider following loss theft or damage of an insured asset taking this step is key to getting reimbursed for costs that your insurance covers however if you never have to file a claim you will not have to file a first notice of loss 