Where in an insurance policy document would an insured's express duty following a loss be stated?

In an insurance policy document, the insured's express duty following a loss is typically detailed in the policy conditions section. This section outlines specific obligations that the insured must adhere to after a loss has occurred, such as notifying the insurer promptly, safeguarding the property from further damage, and providing necessary documentation and evidence of the loss. These conditions are essential as they ensure that claims are handled in a manner that complies with the contractual terms of the policy.

The other sections of the policy serve different purposes. The operative clause sets out what is covered under the policy, describing the scope of the insurance coverage. The policy schedule contains specific details about the insured item or individual, such as sums insured and premiums, but does not include procedural obligations. The recital clause generally provides introductory information about the policy and its parties but does not address duties following a loss. Therefore, the policy conditions are the correct location for the insured's duties in the event of a claim.