Your duties under an insurance policy are usually included in the section of the insurance policy entitled "Conditions," since failure by the insured to perform one or more of these duties could relieve the insurance company of its obligation to pay the claim -- i.e., the insured's duties are a contractual "condition" of the insurance company's obligation to perform its duties under the policy.
Give the Insurance Company Prompt Notice
Most insurance policies require an insured to give "prompt notice" of any loss, including basic information about what property was damaged and the time and place of an accident or injury.
Protect the Property and Try to Mitigate (Lessen) the Damage
If there has been property damage, the insured will be obligated to take reasonable steps to protect the property from further damage. If there is a theft loss, policies often require that the police must be notified. In the event of a liability claim, you must promptly send the insurance company copies of any notices or other legal papers you receive.
Cooperate with Your Insurance Company
Almost all insurance policies contain a general requirement that the insured must cooperate with the insurance company in the investigation, settlement or defense of the claim. Promptly provide your insurance company with an documents requested, and give your insurance company a statement if requested. Assist your insurance company in locating witnesses or physical evidence. Your cooperation will assist the claims professional to adjust the claim promptly and efficiently.
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