What is typically required to file a claim in property insurance?

To file a claim in property insurance, it is typically required to prove ownership of the property and provide damage estimates. This is crucial because the insurance company needs to verify that the claimant is indeed the owner of the property in question and has the right to file a claim. Ownership can usually be demonstrated through documentation such as deeds, bills of sale, or other official records.

Additionally, providing damage estimates is essential as it helps the insurer assess the extent of the loss and determine the appropriate compensation according to the terms of the policy. Damage estimates can come from professional appraisals, repair estimates, or even personal assessments, but they must effectively illustrate the financial impact of the loss or damage.

While a letter from the insurance company, a police report, or evidence of property appraisal may be relevant in certain scenarios, they are not universally required for all claim filings. The core requirements hinge on ownership verification and damage assessment, making option B the most accurate choice.