Idaho Property and Casualty Practice Exam 2025 - Free Practice Questions and Study Guide

The insured's duty in the event of a loss is to promptly notify the insurer and provide necessary documentation and evidence. This is essential because timely reporting allows the insurance company to start the claims process, assess the loss, and determine liability or coverage. This duty ensures that the claim can be handled efficiently and fairly, ultimately protecting the interests of both the insured and the insurer.

When an insured delays notification or fails to provide adequate documentation, it can complicate or delay the claims process, potentially resulting in the denial of the claim. Insurers require specific information to validate and process claims appropriately, so compliance with this duty is critical for a smooth resolution of the situation.

The other choices do not fulfill the insured's obligations during a loss event, emphasizing the importance of proactive communication with the insurer. Prompt notification and cooperation are fundamental principles of insurance contracts, underscoring the collaborative relationship required between the insured and the insurer.