Proof of service is necessary for which notices?

• A. For a Notice of Delay only
• B. For a Notice Denying Liability only
• C. Both
• D. Neither

Answer: (C)

Proof of service is needed whenever a notice can affect a party’s rights and the timing of their responses. A Notice of Delay matters because it tells the insured that action on the claim is being held up, which can impact applicable deadlines and the recipient’s ability to respond or challenge the delay. A Notice Denying Liability directly affects the insured’s protection and remedies by stating that the insurer will not cover the claim, which again requires the recipient to be informed and to act within any deadlines to appeal or seek other relief. Having documented proof of service ensures there is a verifiable record that the recipient actually received these notices, making the notices enforceable and the timelines enforceable. In practice, proof of service is typically a signed declaration or affidavit from the person who served the notice (or a proof of mailing) showing when and to whom the notice was sent.