Which duty is required of the insured after a property loss occurred?

• A. Provide prompt notice of the loss to the insurer or its agent
• B. Pay the deductible to the insurer
• C. Begin repairs and charge the insurer
• D. Immediately replace the damaged property

Answer: (A)

The main thing being tested is the insured’s duty to notify the insurer promptly after a loss. Prompt notice starts the claims process, allows the insurer to assign an adjuster and begin its investigation, and helps protect the insured’s rights by preventing disputes over timing. It ensures coverage can be verified and the claim can be handled in a timely and proper manner.

The other options don’t reflect a required action that initiates the claim. The deductible is a cost the insured bears as part of the claim settlement, not something the insured is duty-bound to hand to the insurer immediately after loss. Beginning repairs and billing the insurer isn’t a standard duty; any repairs or reimbursements are handled through the claims process and often require approval or coordination with the insurer. Replacement of damaged property isn’t required immediately; replacement occurs as part of the settlement and depends on the policy terms.