What should an insured do if their property is damaged?

When a property is damaged, the insured's first responsibility is to notify the insurer about the damage. Prompt communication ensures that the insurance company can initiate the claims process. This action not only helps in assessing the situation quickly but also may inform the insured about their coverage options and the necessary steps to move forward with repairs or recovery.

Timely notification can also prevent further damage and financial losses, as it allows the insurer to advise on protective measures the insured can take until an adjuster can assess the situation. Knowing that the insurance coverage is in play helps the insured understand their rights and obligations under their policy.

The other choices do not reflect appropriate responses. Selling the property immediately might not be feasible or advantageous without understanding the full extent of the damage or its impact on property value. Neglecting the damage could lead to further deterioration, potentially decreasing the property's value and complicating the claims process. Waiting for an appraisal may delay the necessary actions needed to mitigate damage and can create unnecessary complications in the claims process.