Final answer:
The policyowner has a specified number of days to submit a signed proof of loss to the insurer, as stated in the policy contract, which differs by insurer and policy type. This is applicable to cases like medical expenses, policyholder's death, car damage, and dwelling incidents.
Step-by-step explanation:
When an insurer requests a proof of loss from a policyowner, the policyowner typically has a specified number of days to provide the insurer with the signed documentation. The standard period for submitting a proof of loss is often stated in the policy contract and varies depending on the insurance provider and the type of insurance.
For instance, in the case of medical expenses, the insurer lays out the time frame in which a policyholder can submit proof after incurring medical costs. Similarly, if the policyholder dies, a proof of loss must be submitted by the beneficiaries within the stipulated time. The same applies to physical assets, where proof needs to be presented after a car is damaged, stolen, or causes damage to others, and when a dwelling is damaged or burglarized.