Flood insurance is a whole different animal. But proof of loss is basically the same in all coverages/claims. Proof of ownership can be made by receipt, the damaged property, even an instruction manual can be used, pictures of the item even the fore or background. If repairable then of course an estimate for repair, your carrier will give you the guidelines for proof of loss.
Payoff amounts are not usually provided on the monthly loan statement because the amount is calculated on a daily basis. To determine your payoff amount, call your lender and ask them what the current payoff amount is. Ask them if the payoff will change if you want to pay off the loan on a future date (give them the future date and they can calculate the payoff for you).
You can find an excellent mortgage payoff calculator at Bankrate's website. Their mortgage payoff calculator lets you add the number of years reaming in your mortgage along with letting you add the mortgage amount as well as the annual interest rate. These are just some of the features that are offered in there mortgage payoff calculator.
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