Duties After Loss. In case of a loss to covered property, we have no duty to provide coverage under this policy if the failure to comply with the following duties is prejudicial to us. These duties must be performed either by you, an "insured" seeking coverage, or a representative of either:
1. Give prompt notice to us or our agent;
2. Notify the police in case of loss by theft;
3. Notify the credit card or electronic fund transfer card or access device company in case of loss as provided for in E.6. Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery And Counterfeit Money under Section I – Property Coverages;
4. Protect the property from further damage. If repairs to the property are required, you must:
a. Make reasonable and necessary repairs to protect the property; and
b. Keep an accurate record of repair expenses;
5. Cooperate with us in the investigation of a claim;
6. Prepare an inventory of damaged personal property showing the quantity, description, actual cash value and amount of loss. Attach all bills, receipts and related documents that justify the figures in the inventory;
7. As often as we reasonably require:
a. Show the damaged property;
b. Provide us with records and documents we request and permit us to make copies; and
c. Submit to examination under oath, while not in the presence of another "insured", and sign the same;
8. Send to us, within 60 days after our request, your signed, sworn proof of loss which sets forth, to the best of your knowledge and belief:
a. The time and cause of loss;
b. The interests of all "insureds" and all others in the property involved and all liens on the property;
c. Other insurance which may cover the loss;
d. Changes in title or occupancy of the property during the term of the policy;
e. Specifications of damaged buildings and detailed repair estimates;
f. The inventory of damaged personal property described in 6. above;
g. Receipts for additional living expenses incurred and records that support the fair rental value loss; and
h. Evidence or affidavit that supports a claim under E.6. Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery And Counterfeit Money under Section I – Property Coverages, stating the amount and cause of loss.
Duties After Loss. In case of a loss to covered property, we have no duty to provide coverage under this policy if the failure to comply with the following duties is preju- dicial to us. These duties must be performed ei- ther by you, an "insured" seeking coverage, or a representative of either:
1. Give prompt notice to us or our agent;
2. Notify the police in case of loss by theft;
3. Notify the credit card or electronic fund transfer card or access device company in case of loss as provided for in E.6. Credit Card, Electronic Fund Transfer Card Or Access Device, For- xxxx And Counterfeit Money under Section I – Property Coverages;
Duties After Loss. In case of an accident or "oc- xxxxxxxx," the "insured" will perform the following duties that apply. You will help us by seeing that these duties are performed:
a. Give written notice to us or our agent as soon as is practical, which sets forth:
(1) The identity of the policy and "insured";
(2) Reasonably available information on the time, place and circumstances of the acci- dent or "occurrence"; and
(3) Names and addresses of any claimants and witnesses;
b. Promptly forward to us every notice, demand, summons or other process relating to the acci- dent or "occurrence";
Duties After Loss. In case of a loss to covered property, we have no duty to provide coverage under this policy if the failure to comply with the following duties is preju- dicial to us. These duties must be performed either by you or your representative:
1. Give prompt notice to us or our agent;
2. Protect the property from further damage. If repairs to the property are required, you must:
a. Make reasonable and necessary repairs to protect the property; and
b. Keep an accurate record of repair ex- penses;
3. Cooperate with us in the investigation of a claim;
4. Prepare an inventory of damaged personal property showing the quantity, description, ac- tual cash value and amount of loss. Attach all bills, receipts and related documents that justify the figures in the inventory;
5. As often as we reasonably require:
a. Show the damaged property;
b. Provide us with records and documents we request and permit us to make copies; and
c. Submit to examination under oath, while not in the presence of another named insured, and sign the same;
6. Send to us, within 60 days after our request, your signed, sworn proof of loss which sets forth to the best of your knowledge and belief:
a. The time and cause of loss;
b. Your interest and that of all others in the property involved and all liens on the prop- erty;
c. Other insurance which may cover the loss;
d. Changes in title or occupancy of the prop- erty during the term of the policy;
e. Specifications of damaged buildings and detailed repair estimates;
f. The inventory of damaged personal prop- erty described in D.3.;
g. Receipts for additional living expenses incurred and records that support the fair rental value loss.
Duties After Loss. In case of an occurrence, we have no duty to provide coverage under this policy if the following duties are not performed by an insured:
a. give written notice to us as soon as possible which states:
(1) the policy number, your name and the name of the insured against whom the claim is made;
(2) the time, place and circumstances of the occurrence or claimed personal injury; and
(3) names and addresses of claimants and witnesses;
b. cooperate with us in the investigation, settlement or defense of any claim or suit;
c. immediately send us any notice, demand or legal papers received relating to the occurrence or accident;
d. cooperate and assist us and not do anything to inhibit or release any right of contribution, recovery or indemnity against any person or organization who may be liable to an insured for activities related to a claim or suit;
e. as reasonably requested, attend hearings and trials concerning the suit;
f. submit to examinations under oath at such times and places as we reasonably designate, separately and apart from any other person defined as you or insured and sign a transcript of the examination;
g. no insured will, except at that insured's own cost, voluntarily make any payment, assume any obligation or incur any expense; and
h. for Damage to Property of Others, send us a sworn statement of loss within 90 days of the loss and show us or provide us with access to the damaged property if it is within an insured's control.
Duties After Loss. In case of covered loss or damage to property, we have no duty to provide coverage under this policy unless the following duties are performed by the insured seeking coverage:
a. give written notice to us as soon as possible. In case of theft, you must also immediately notify the police;
b. protect the covered property from further damage in accordance with section 4. Emergency Services;
c. cooperate with our investigation of the loss or damage;
d. as often as we reasonably require:
(1) show us the damaged property, which may include providing us access to the residence premises;
(2) provide us with records and documents we may request, and permit us to make copies;
(3) submit to examinations under oath at such times and places as we reasonably designate, separately and apart from any other person defined as you or insured and sign a transcript of the examination; and
e. send us within 30 days after our request, your signed, sworn statement showing:
(1) Items damaged, destroyed, lost or stolen;
(2) date, time, location and cause of loss or damage;
(3) interest of all insureds and all others in the property involved, including any legal claims against the property; and
(4) other insurance and any warranty, service or maintenance contract which may cover the loss or damage;
Duties After Loss. In the event of loss or damage, which may become a claim under an individual certificate, the certificateholder is required to:
Duties After Loss. In case of an occurrence, we have no duty to provide coverage under this policy if the following duties are not performed by an insured:
a. give written notice to us as soon as possible which states:
(1) the policy number, your name and the name of the insured against whom the claim is made;
(2) the time, place and circumstances of the occurrence or claimed personal injury; and
(3) names and addresses of claimants and witnesses;
b. cooperate with us in the investigation, settlement or defense of any claim or suit;
c. immediately send us any notice, demand or legal papers received relating to the occurrence or accident; SAMPLE POLICY
d. cooperate and assist us and not do anything to inhibit or release any right of contribution, recovery or indemnity against any person or organization who may be liable to an insured for activities related to a claim or suit;
e. as reasonably requested, attend hearings and trials concerning the suit;
f. submit to examinations under oath at such times and places as we reasonably designate, separately and apart from any other person defined as you or insured and sign a transcript of the examination;
g. no insured will, except at that insured's own cost, voluntarily make any payment, assume any obligation or incur any expense; and
h. for Damage to Property of Others, send us a sworn statement of loss within 90 days of the loss and show us or provide us with access to the damaged property if it is within an insured's control.
Duties After Loss. In case of a loss to covered property, we have no duty to provide coverage under this policy if the failure to comply with the following duties is prejudicial to us. These duties must be performed either by you or your representative:
a. give prompt notice to us or your agent;
b. (1) protect the property from further damage;
Duties After Loss. In case of an accident or "occurrence," the "insured" will perform the following duties that apply. You will help us by seeing that these duties are performed:
a. Give written notice to us or our agent as soon as is practical, which sets forth:
(1) The identity of the policy and "insured";
(2) Reasonably available information on the time, place and circumstances of the accident or "occurrence"; and
(3) Names and addresses of any claimants and witnesses;
b. Promptly forward to us every notice, demand, summons or other process relating to the accident or "occurrence";
