Under what condition would an insurance company deny a claim for lack of proper documentation?

An insurance company may deny a claim for lack of proper documentation if the claimant did not provide a proof of loss form. This form is crucial in the claims process because it outlines the details of the claim, including the nature of the loss, the amount being claimed, and supporting information necessary for the insurer to assess the validity of the claim. Without this documentation, the insurer lacks the necessary information to evaluate the claim, making it grounds for denial due to insufficient evidence of the claimed loss.

The other choices involve different conditions that, while they can impact a claim, do not pertain specifically to the lack of a proof of loss form. For example, not following the procedure for filing may lead to complications, but it doesn't eliminate the need for the documentation required to substantiate the claim itself. Similarly, excessive deductions or missing filing deadlines can affect a claim negatively, but they are not directly related to the absence of the proof of loss form. Therefore, providing this documentation is a fundamental requirement in the claims process and a critical aspect that determines whether a claim can be considered and potentially paid.