The term "Date of Loss" is an insurance term used to indicate the first date on which an insured event occured.

For example, in Medical insurance, the date of loss is the date on which the insured person was first diagnosed with, or first had treatment for, the condition being claimed, if it is an on-going condition, such as cancer.
In home & contents insurance, covering burglary, the date of loss could be the date that a burglary occured, or car insurance, the date on which an accident occured.

The date of loss has been defined by Case Law in the United States as the date of inception of the loss determined by reference to the reasonable discovery of the loss. ie: When the loss is discovered.

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