Which section of a policy requires the insured to comply with specific policy requirements?

• A. Conditions
• B. Exclusions
• C. Declarations
• D. Insuring agreement

Answer: (A)

The section that requires the insured to comply with specific policy requirements is the Conditions. This part sets out the duties the insured must perform to keep the policy in force and to support a claim. Typical duties include promptly notifying the insurer of a loss, cooperating with the insurer during investigation, protecting the property from further damage, and providing proof of loss. It also covers procedural rights like subrogation and appraisal. If these duties aren’t met, the insurer can deny or reduce a claim or even void coverage. Exclusions tell you what isn’t covered, Declarations provide basic policy information, and the Insuring agreement states the promise to pay for covered losses.