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this is Barrys Alma speaking for zelma uninsurance on YouTube available to anyone who is interested in insurance I am an attorney who has retired from the practice of law and now spend my time acting as an insurance consultant insurance claims handling expert and an author of books and materials dealing with insurance including this YouTube channel today we are talking about property claims and the duties imposed by a first-party property insurance policy on the insured the insured has several duties imposed by common first-party property insurance contracts like the standard fire policy the insured is required to report the loss promptly or any loss or losses promptly that means right away not months later but as soon as reasonably practical the insured is required to cooperate and the insurers investigation and this cooperation can entail as little as letting the adjuster on the premises - as much as creating a list of all damaged and destroyed property gathering invoices and receip