Who is responsible for filing a notice of claim form?

The individual responsible for filing a notice of claim form is the insured. This is because the insured is the party who holds the insurance policy and has the most direct knowledge of the circumstances that led to the claim. When a loss occurs, it is the insured's obligation to promptly notify the insurer regarding the incident. This notification typically involves completing and submitting a notice of claim form, which provides the insurer with the necessary details to begin the claims process.

The agent plays a role in facilitating communication between the insured and the insurer, but it is ultimately the insured who must initiate the claim. An adjuster comes into play after the claim is filed, as their job is to investigate and evaluate the details of the claim. The insurer also does not file the claim form; rather, they are the entity being notified of the claim by the insured. This process is essential in ensuring that claims are processed accurately and in a timely manner, allowing insured individuals to receive the benefits they are entitled to under their policy.