Arizona Adjuster Practice Exam

Most insurance policies require the insured to do all of the following EXCEPT:

1. Notify the police if a law has been violated

2. Protect the property from further damage

3. File a claim after 60 days

4. Notify the insurer promptly

The correct answer is: File a claim after 60 days

The requirement for the insured to file a claim after a specified time frame such as 60 days is not a standard expectation across most insurance policies. Generally, insurance policies require that the insured notify the insurer promptly after a loss occurs, but they do not usually stipulate a rigid timeframe like 60 days before a claim must be filed. Instead, policies might suggest that claims should be submitted as soon as reasonably possible, allowing for a degree of flexibility based on the circumstances surrounding the loss. In contrast, notifying the police when a law has been violated is often critical for claims related to theft or vandalism, as it provides documentation and official acknowledgment of the incident. Protecting property from further damage is a common obligation to prevent further loss and uphold the principle of mitigation. Prompt notification to the insurer is required to enable a timely investigation and claim processing. These responsibilities help ensure that the insurer has the necessary information to evaluate the claim accurately and prevent additional damages that could complicate the claim situation.