When must the policyowner notify the insurer about a claim?

• A. At the beginning of a covered loss
• B. Within 15 days of receiving notice of a pending claim
• C. When the Proof of Loss is submitted
• D. After the insurer requests it

Answer: (A)

Prompt notice of a claim is needed to start the claims process and allow the insurer to investigate and verify coverage while information is fresh. Notifying at the beginning of a covered loss ensures the insurer can promptly begin gathering needed details, coordinating benefits, and determining how much, if any, is payable. Delaying notice until after other steps are required (like submitting a Proof of Loss) or waiting for the insurer to request notice slows down handling and can jeopardize coverage if time limits exist. The option that reflects informing the insurer right as a covered loss begins best captures the intended timing.