Original or duplicate receipts are an important way to prove a loss. If no receipts are available, verification of ownership can be proven by affidavit. An affidavit should list the property in question and be signed by disinterested parties who thereby verify ownership and possession. A sample affidavit is contained in this book. A copy of the California Insurance Code Unfair Practices is included in this book.
Many states have comparable consumer protection.
If you experience any violation, document the occurrence by certified or other recorded mail to the company. An attorney can best advise if violations demonstrate lack of good faith or some other jeopardy for the insurance company. A list of regulatory authorities is included in this book, if you wish to file a complaint. Familiarize yourself with lines 90 through 122 of your insurance policy. These are duties you cannot afford to violate.