Property and Casualty Insurance Practice Exam

Which duty is NOT required of the insured after a loss?

1. Give prompt notice to the insurer

2. Send proof of loss within 30 days

3. Protect the property from further loss

4. Show damaged property to the insurer

The correct answer is: Send proof of loss within 30 days

The duty that is not required of the insured after a loss is sending proof of loss within 30 days. While it is common for insurers to request proof of loss as part of the claims process, the specific requirement for sending this documentation within a strict timeframe can vary by policy and jurisdiction. In many cases, the insurer may allow for some flexibility in the timing of this submission, particularly in situations where the insured has communicated their intent to file a claim. In contrast, the other duties listed are generally required of the insured. Providing prompt notice to the insurer is essential as it allows the insurer to begin their investigation and handle the claim appropriately. Protecting the property from further loss is crucial to mitigate damages and prevent additional claims. Finally, showing damaged property to the insurer allows them to assess the loss accurately. Therefore, while submitting proof of loss is important, it may not always have the same immediate or rigid timeline associated with it.