What obligations does an insured have in the event of a loss?

When a loss occurs, the obligations of the insured generally include cooperating with the insurer and providing proof of the loss. This means that after a loss event, the insured must report the claim to the insurer in a timely manner and provide necessary documentation or evidence that details the nature and extent of the loss. This could involve submitting photographs, receipts, or other records that substantiate the claim. The insurer relies on this information to assess the situation and determine the validity of the claim, as well as the amount of compensation that may be owed according to the policy terms.

Cooperation with the insurer is critical because the claims process involves investigation and evaluation, and the insured plays a vital role in facilitating this process. Failure to provide adequate proof of loss or to cooperate could result in delays or potential denial of the claim. This obligation underscores the relationship between the insured and insurer, emphasizing that both parties must work together to resolve the claim effectively.