Under the terms of most home owner insurance policies, the sworn statement and proof of loss is due within 60 days after the loss or 60 days after the insurance company asks for the claim. An insurance company can deny a claim and the insured will get absolutely nothing if the sworn statement and proof of loss is not filed in a timely fashion. It’s a notarized document which let’s the insurance company know the numbers you are asking for and want you want in order to be indemnified under the terms of the policy for what you have lost.