Under South Carolina law, what is generally required for an insurance claim to be deemed valid?

In South Carolina, for an insurance claim to be considered valid, it is essential for the insured to submit proof of loss to the insurer. This proof serves as documentation that provides the insurer with evidence of the claim being made, detailing the circumstances and extent of the loss or damage that occurred. It outlines the specifics necessary for the insurance company to evaluate the claim, such as the type of coverage, the incident that led to the claim, and the amount being requested.

While written communication from the insurer can be important in the overall claims process, and periodic updates may help keep the insured informed, neither of these elements is a strict requirement for the validity of a claim. Furthermore, the payment of deductibles is a separate part of the claims process that pertains to the insured's responsibilities rather than a requirement for the claim itself to be valid. Therefore, submitting proof of loss is the key action that establishes the legitimacy of the insurance claim in South Carolina.