Extract data from proof of loss statements
A proof of loss is the sworn statement an insured signs to put a dollar figure on a loss and swear to it under oath. It is not the first report of the incident and it is not the carrier's own assessment; it is the insured's formal, signed claim of value, usually required within a set number of days after the loss before the carrier will pay. Fenwick Cabinetry Inc., its public adjuster, and the claims examiner at Allied Property and Casualty (NAIC 42579) all work from the same signed statement. After a fire on 2026-05-22 at its workshop, Fenwick submits a proof of loss on 2026-06-18 under property policy PROP-2026-771044, claiming 128,500 USD. The heart of a proof of loss is the itemized schedule of what was lost and the sworn amount that follows from it. The 128,500 USD claim is built from a CNC router valued at 62,000 USD, lumber and panel inventory at 34,500 USD, finishing equipment at 22,000 USD, and cleanup at 10,000 USD, and those items have to sum to the figure the insured swears to. A deductible of 5,000 USD, a depreciation percentage on the older equipment, and a salvage credit shape the recoverable amount, while the sworn_statement flag and the claimant_signature_date of 2026-06-18 record that the claim was made under oath. The loss cause, here fire, and the loss location fix what is being claimed and where. Run through Talonic, a proof of loss returns the policy and party structure, the loss cause and date, and the sworn amount as typed fields, keeping the items lost as a table whose values are reconciled to the claimed total. A statement signed on 2026-06-18 swearing to a 128,500 USD fire loss, with a 5,000 USD deductible, loads into a claims system as structured data an examiner can check line by line. Because a proof of loss is a sworn instrument, its figures and its oath flag are returned as written, and the valuation is neither verified nor adjudicated.
What gets extracted from proof of loss statements
How extraction works for proof of loss statements
A proof of loss arrives as a notarized carrier form, a public adjuster packet, or a scanned affidavit with an itemized schedule attached, so the sworn amount and the item list sit in different places from one carrier to the next. Classification maps the document against the proof-of-loss schema in the Field Registry, which separates the policy header, the loss detail, the sworn amount, and the itemized items lost. Each row of items_lost is typed with its quantity, unit value, total value, depreciation percentage, and salvage value, and the line totals are summed and checked against the claimed_amount, so a 128,500 USD sworn figure that does not foot from its lines is flagged. Loss cause is read as its stated category, the deductible and each-occurrence limit are typed as numbers, and the sworn_statement boolean and claimant_signature_date are captured because they establish that the claim was made under oath. Confidence scores and pixel-region references accompany every value under DIN SPEC 91491, so an examiner can tie the sworn total or a single item back to the signed statement. Reporting the sworn figures as written is the limit of the extraction, which does not test the valuation or decide the claim.
Sample extraction
A sworn proof of loss for a fire claim with itemized property
{
"document_number": "POL-2026-88213",
"document_date": "2026-06-18",
"insured_name": "Fenwick Cabinetry Inc.",
"policy_number": "PROP-2026-771044",
"insurer_name": "Allied Property and Casualty",
"insurer_naic_number": "42579",
"loss_date": "2026-05-22",
"loss_cause": "fire",
"loss_location": "470 Ironwood Ave, Portland, OR 97217",
"loss_description": "Electrical fire in the finishing room destroyed equipment and inventory",
"claimed_amount": 128500,
"currency": "USD",
"deductible": 5000,
"sworn_statement": true,
"claimant_signature_date": "2026-06-18",
"adjuster_name": "Grace Holloway",
"coverage_type": "Commercial Property",
"supporting_documents": [
"Fire marshal report",
"Equipment purchase invoices",
"Site photographs"
],
"items_lost": [
{
"item_description": "CNC router",
"item_category": "Equipment",
"quantity": 1,
"unit_value": 62000,
"total_value": 62000,
"depreciation_percentage": 15,
"salvage_value": 3000
},
{
"item_description": "Lumber and panel inventory",
"item_category": "Inventory",
"quantity": 1,
"unit_value": 34500,
"total_value": 34500,
"depreciation_percentage": 0,
"salvage_value": 0
},
{
"item_description": "Finishing equipment",
"item_category": "Equipment",
"quantity": 1,
"unit_value": 22000,
"total_value": 22000,
"depreciation_percentage": 20,
"salvage_value": 1500
},
{
"item_description": "Debris removal and cleanup",
"item_category": "Contents",
"quantity": 1,
"unit_value": 10000,
"total_value": 10000,
"depreciation_percentage": 0,
"salvage_value": 0
}
]
}Frequently asked
Do the itemized losses foot to the sworn amount?
Yes. Each row of items lost is typed with its total value in the stated currency, and the lines are summed against the claimed amount, so the 62,000, 34,500, 22,000, and 10,000 USD items are checked to total the 128,500 USD figure the insured swears to.
How is this different from a first notice of loss or an adjuster report?
The first notice of loss opens the claim with a preliminary estimate, the adjuster report is the valuation the carrier prepares, and the proof of loss is the sworn statement the insured signs to put a figure on the loss. Talonic reads each on its own schema and keeps their distinct fields.
Does it capture that the statement was sworn?
Yes. The sworn_statement boolean and the claimant_signature_date of 2026-06-18 are read as their own fields, since a proof of loss is made under oath and the signature date often starts the clock the carrier measures its payment deadline against.
Does Talonic verify the valuation?
No. It returns the claimed amount, the deductible, and the itemized losses as the statement records them and links each to its source region. Testing the valuation or deciding the claim is the work of the adjuster and examiner, not the extraction.
Ready to extract from your own proof of loss statements?
Author note
Reviewed by Talonic engineering, insurance schema review · last reviewed 2026-07-08
- Source: Talonic Proof of Loss schema (seeded)
- Source: ACORD forms library