Which of the following is NOT a responsibility of the insured listed in the loss provisions for most property insurance contracts?

The correct answer addresses the responsibilities of the insured in the context of property insurance contracts, where the insured typically has several duties to fulfill when a loss occurs. Among these duties, reporting the loss promptly, cooperating with the insurer during the investigation, and notifying law enforcement in cases of theft are clearly outlined in most insurance policies.

The responsibility to determine adequate indemnification, however, does not fall upon the insured. Indemnification is the process by which an insurer compensates the insured for their loss, based on the terms of the policy and the details of the claim. This determination is typically the role of the insurance company, which assesses the claim to ensure that coverage limits and applicable deductibles are appropriately applied. Thus, the insurer is responsible for evaluating the loss and deciding the compensation amount, making it clear that this responsibility does not rest with the insured. This distinction helps reinforce the roles and expectations of each party in the insurance contract.