Why insurers ask for so much documentation

Documentation requests can feel personal. In most cases, they’re procedural: insurers need enough evidence to classify the cause, date the occurrence, and price the scope — all within policy definitions.

What documentation is usually trying to prove

• Cause: what triggered the damage
• Timing: whether it was sudden or gradual
• Ownership/value: whether the item existed and what it’s worth
• Scope: what was affected and what repair requires

Why receipts matter

Receipts help confirm purchase date, value, and sometimes model/quality. When receipts aren’t available, insurers may use other methods to estimate value.