A policy's conditions section describes the insured's

• A. claims reporting form
• B. premium payment schedule
• C. coverage limits
• D. duties after a loss

Answer: (D)

The conditions section spells out what the insured must do to keep the policy in force and to enable the claim to be handled properly. In particular, it describes duties after a loss, such as promptly notifying the insurer, protecting the property from further damage, allowing an inspection, providing a sworn proof of loss within the required time, and cooperating with the insurer’s investigation. These duties are essential to trigger and support claims, so this is the aspect that the conditions section focuses on. The other items fit in different parts of the policy—claims forms or reporting steps belong with the claims process, the premium payment schedule sits with how premiums are billed, and coverage limits appear in the declarations or insuring agreement, not in the conditions.