What are the typical duties of an insured after a property loss?

Most property policies impose duties on the insured after a loss: (1) Give prompt notice to the insurer; (2) Protect the property from further damage (cover holes in roofs, tarp damaged areas, prevent water intrusion, etc.) — failure to do this can reduce or void coverage; (3) Cooperate with the investigation, including inspection of the property and examination of relevant records; (4) Prepare an inventory of damaged personal property with descriptions, ages, and values; (5) Submit a sworn proof of loss within a specified time (usually 60 days); (6) Show the damaged property as often as reasonably required. Failure to perform these duties can compromise the claim. Reasonable expenses incurred to protect the property from further damage are typically reimbursable.