Arizona Adjuster Practice Exam

What is the typical response required from an insured after a property loss occurs?

1. Seek legal advice immediately

2. File a criminal report

3. Notify the insurer promptly

4. Start reconstructing the property

The correct answer is: Notify the insurer promptly

After a property loss occurs, the typical response required from an insured is to notify the insurer promptly. This step is crucial because it allows the insurance company to begin the claims process as quickly as possible. The insured must report the loss to ensure that the insurer can assess the damage, determine coverage, and provide instructions on the next steps. Prompt notification is often outlined in the terms of an insurance policy and is necessary to avoid any potential delays in claims processing. Seeking legal advice, filing a criminal report, or starting the reconstruction of the property may not be immediate priorities or requirements after a loss. Legal advice may be necessary later in the claims process if disputes arise, and a criminal report is only necessary if there are suspicions of theft, vandalism, or arson. Additionally, reconstruction efforts should typically wait until the insurer has assessed the damage and provided guidance on filing the claim. Thus, the primary action an insured should take following a property loss is to notify their insurer without delay.