What is the main proof requirement for an insured when filing a claim under an insurance policy?

The main proof requirement for an insured when filing a claim under an insurance policy is proof of loss. This involves providing documentation and evidence to the insurer that substantiates the claim being made. Proof of loss typically includes details about the incident leading to the claim, the extent of the damage or loss incurred, and any other relevant information that the insurer may require to process the claim.

While evidence of the circumstances surrounding the claim, the balance of probabilities, and witness statements may support the proof of loss, they do not serve as the primary requirement. The insured must demonstrate their loss and its validity to the insurer clearly. Proof of loss is essential because it provides the foundation for evaluating the claim and determining the insurer's liability under the policy.

In this context, it's important to understand that while the balance of probabilities relates to the degree of evidence required to establish a claim, it is the proof of loss that is specifically outlined as the necessity for the insured when pursuing a claim.