--- title: "Proof of Loss: Notarized Sworn Statement, Step by Step | MCC" description: "Your insurer asked for a sworn proof of loss. See what it states, how the oath works and what to check. Book a mobile or online NJ notary today." url: "https://mcc-solutionsnj.com/notary/guides/insurance-proof-of-loss-sworn-statement" --- Guide · Updated October 12, 2026 # Insurance Proof of Loss: Notarized Sworn Statements After a fire, theft, storm or other loss, an insurance company may ask for a sworn proof of loss. It lists what happened and what you claim. The statement is made under oath, so accuracy matters. By [Matthew Coleman](/about), MCC Solutions **Quick answer.** A sworn proof of loss usually includes the policy number, date and cause of loss, a description of the property, the amount claimed, other insurance and any mortgage or lienholder, and many insurers attach inventory sheets. The adjuster's instructions explain what to attach. Need this notarized? Sign online from home with no travel fee, or ask for a notary to come to you. The price is shown and confirmed before any work starts, and you can book in about two minutes. [See your price and book](/notary/#order)[Call (908) 444-6373](tel:9084446373) **Related:** [How long a notary keeps the journal](/notary/guides/how-long-to-keep-a-notary-journal) · [Who can witness a signing](/notary/guides/who-can-and-cannot-be-a-witness-to-a-signing) · [How much a NJ notary can charge](/notary/guides/how-much-does-a-notary-cost-in-new-jersey) **Free tools:** [Notary fees by state](/notary/fees-by-state) · [Printable notary journal template](/notary/notary-journal-template) ✓ New Jersey commissioned notary, no. 50244803, insured for errors and omissions. [See the credentials](/about/credentials) ## What the form asks The form usually includes the policy number, date and cause of loss, a description of the property, the amount you claim, other insurance, and any mortgage or lienholder. Many insurers attach inventory sheets. The adjuster's instructions explain what to attach. Deadlines for submitting the form are set by the policy. Read it or ask your insurer. ## Gathering support Photos, receipts, estimates, repair bills and police or fire reports help back up the numbers. Keep a clear list. If you are not certain about a value, label it as an estimate and explain how you reached it. Do not inflate figures. False statements can void a claim. ## At the notary After your oath you sign, and the notary checks ID and completes a jurat. The notary does not review the figures, the policy or the claim. If more than one person is named on the policy, each may need to sign. ## Handling mistakes If you find an error after signing, tell the insurer in writing promptly and consider asking for an amended form. Do not alter a notarized page. Ask your adjuster or a public adjuster or attorney for help if you feel stuck. Notaries cannot negotiate with the insurer. ## Get it notarized online today Online notary: open now until 9 PM ET · sessions by appointment · times confirmed by email A New Jersey notary can notarize this with you on a video call, wherever you are in the U.S. $50 for the session, $10 for each extra signer. Any other fee shows in the booking form before you confirm. Open 7 am to 9 pm ET, every day, by appointment. **What you need** - A valid government photo ID - A computer or phone with a camera - The unsigned document [Book an online session](/notary/?service=ron#order) Our certificate states the act was performed using communication technology, as New Jersey law requires. [What it must say](/notary/remote-online-notarization-certificate-wording) Most U.S. recipients accept a remotely notarized document; check with whoever will receive it. [What to ask them](/notary/will-my-online-notarization-be-accepted) · [Several signers](/notary/online-notarization-multiple-signers) ## Practical timing After a disaster, you may lack ID, power or paper. Ask the notary what alternate ID might work and whether remote signing is available. Mobile notaries can visit a temporary lodging. Keep copies of everything and note names and dates of calls. MCC Solutions can help with the notarization step. ## Scenario: a kitchen fire claim After a kitchen fire, a homeowner prepares an inventory of damaged items. Each line has a description, purchase date, replacement cost and photo reference. The insurer's form asks for totals by room. The homeowner also lists emergency repairs and temporary housing costs. The adjuster reviews and may adjust amounts. The homeowner signs the sworn proof of loss before a mobile notary at the temporary apartment. Keep a running log. Note who you spoke with and when. If the insurer asks for more detail, supply it promptly. A careful, honest inventory is easier to defend than a rushed one, and the sworn form should match your records line for line. Do not forget to ask the insurer about deadlines for submitting the form and about mailing instructions. Some insurers accept electronic submission, others want an original with an ink signature and notary seal. Keep proof of delivery. If the deadline is at risk, ask in writing for an extension rather than hoping the insurer will overlook it. Consider asking a trusted relative to help organize receipts and photos. A second set of eyes catches arithmetic errors, which are common when totals are added by hand. Fix mistakes before you sign, since the sworn form should match your support documents exactly. ## Mistakes that get documents rejected Signing before the notary is present, leaving amounts blank and estimating values without support are common. Another is not keeping copies. The statement is sworn, so a signer should only attest to what they believe is accurate. Questions about what to claim go to the insurer or an attorney, not the notary. ## Checklist before you book Gather receipts, photos and estimates. Fill in every amount you can support. Bring ID. Sign only in front of the notary. Keep a full copy. ## Common questions **Is the proof of loss always notarized?** Many insurers require a sworn statement, which a notary can handle. **Can my contractor sign for me?** Not unless the policy and insurer allow it, and the notary needs to see the actual signer. **What if I do not know the final amount?** Ask the insurer how to submit estimates and supplements. ## More notary guides - [Signing Agent E&O Insurance: What It Covers and Why](/notary/guides/signing-agent-errors-and-omissions-insurance) - [Notarizing Adoption Consent Forms: What to Know](/notary/guides/adoption-consent-notarization) - [Signer Capacity and Willingness: Notary Questions](/notary/guides/signer-capacity-and-willingness-older-adults) This guide is general information, not legal advice. Fees and procedures change; check with the office involved or an attorney for your situation. Let us handle it [### Mobile Notary A mobile notary near you in New Jersey, at your home, office, hospital or job site. Affidavits, powers of attorney, vehicle titles and business documents. Book online. Mobile notary →](/notary/mobile-notary)[### Remote Online Notarization (RON) Notarize documents online over secure video with a New Jersey notary. ID verification, electronic seal and a recorded session. Book a RON session. Remote online notary →](/notary/remote-online-notarization)[All guides](/notary/guides) Reach notaries, signing agents and people getting documents notarized or apostilled who read this guide: [advertise here](/advertise#notary). Do it yourself ### Home Insurance Claim Organizer Keep every item, receipt, call and claim check in one record, from the day of the loss to the last payment. [See what's inside ($19)](/toolkits/home-insurance-claim-organizer) [Free sample](/toolkits/home-insurance-claim-organizer#free-starter)14-day full refund Free tool: [Does this document need a notary? Free finder](/notary/does-it-need-a-notary) ## Related - [For adjusters and claims departments: proofs of loss notarized where the policyholder is](/notary/for-business/insurance-adjusters-and-claims) - [How to get an insurance proof of loss notarized online](/notary/how-to-get-an-insurance-proof-of-loss-notarized-online) ## Rather have us handle it? Call the desk. [Book Now](/notary/#order)[Call (908) 444-6373](tel:+19084446373)