If an insured's contractor does not agree with the Proof of Loss furnished by the independent adjsuter, can the insured's contractor change the Proof of Loss and submit with his estimate?

Texas Subscriber

In reviewing the commercial property building and personal property coverage form, there is nothing that says the sworn proof of loss has to come from an independent adjuster, an insured, or an insured's contractor. It is however, within the insurer's right to utilize an independent adjuster to evaluate the loss. It is also within the insured's right to dispute the amount of the loss. It is unethical for an insured's contractor to change a sworn proof of loss – the insurer is only bound by the first sworn proof of loss submitted, not any secondary proof of loss that might be submitted.