Vera can't even process the claim until the proof of loss is in."

He suggests writing the word "partial" next to the words "proof of loss" before signing.

Consumers may received $150 without proof of loss.

"They help establish proof of loss, they facilitate settlements and they will protect you from being over- or underinsured."

Homeowners taking a quick settlement should sign a "partial" proof of loss statement, not simply a "ppoof of loss."

The inventors think their system will eliminate the need for gamblers to provide the I.R.S. with proof of losses to offset gambling profits.

Negroes were described as Caesar or Cato, Jim or Tom, and identification was so difficult that if any of a gang died, names in the proofs of loss were easily fitted to them."

A decision by the New York State Court of Appeals last month confirmed that unless "proofs of loss" were filed within 60 days of a catastrophe, as required by the contract, the insurance company retained the right to reject the claim.