Which of the following describes duties after a loss?

• A. prompt notice of claim, prevent property from any further loss if possible, separate damaged from undamaged property, inventory the loss, provide records, receipts, etc to the insurer
• B. perform routine maintenance after a loss
• C. obtain a new policy immediately after a loss
• D. ignore the loss if it is minor

Answer: (A)

After a loss, the insured has duties designed to protect the insurer’s interests and speed up the claim process. These include promptly notifying the insurer of the claim, taking reasonable steps to prevent further damage, separating damaged property from undamaged property, making an inventory of the loss, and providing records, receipts, or other documentation for the claim. These steps help ensure the loss is documented accurately and prevent additional losses while the claim is being handled.

The other options don’t fit because routine maintenance after a loss isn’t part of the post-loss duties, obtaining a new policy isn’t a required action tied to the claim, and ignoring a minor loss would undermine the claim process and protections.