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The document that is typically required to substantiate a claim is proof of loss. This document serves as a formal notification to the insurance company that a loss has occurred and outlines the details of the claim being made. Proof of loss provides essential information such as the nature of the loss, the circumstances surrounding it, the date it occurred, and the amount being claimed. Insurance companies require this documentation to assess the validity of the claim and to determine the appropriate compensation.

While a birth certificate, employment contract, and driver’s license have their own importance in various contexts, they do not serve the specific purpose of substantiating an insurance claim. A birth certificate might be required for verifying identity in some situations, an employment contract could be relevant in discussions about income or benefits, and a driver's license is typically used for identity verification as well. However, none of these documents fulfill the critical requirement of documenting a loss as effectively as proof of loss does.