A Proof of Loss, is a policyholder's statement of the amount of money being requested, signed to, and sworn to, by the policyholder with documentation to support the amount requested. The Proof of Loss is not the claim.

The claim is the policyholders' declaration that they are entitled to be paid for a covered loss under the terms of the Standard Flood Insurance Policy.

A policyholder who suffers flood damage to property insured under the National Flood Insurance Program, has only one claim arising from that event, regardless of the number of Proofs of Loss with documentation packages the policyholder may submit in support of that claim.