How long does an insured have to provide written proof of loss to the insurance company?

The correct answer is 90 days because many insurance policies stipulate that the insured must provide written proof of loss within this timeframe to ensure timely processing and evaluation of claims. This requirement helps the insurance company assess the claim and determine its validity more effectively, thereby allowing for quicker payment of benefits.

While some policies may vary slightly in their stipulations, a 90-day period is commonly accepted in many jurisdictions, aligning with industry standards. This timeline serves as a balance, giving the insured sufficient time to gather necessary documentation and information related to their claim, while also prompting them to act promptly to avoid unnecessary delays.

The other options might reflect different state regulations or particular policy requirements, but in general, the 90-day period is widely recognized and serves as a guideline for both policyholders and insurers in managing claims efficiently.