What should an insured do regarding the repair or disposal of damaged property?

The correct choice is to arrange for the repair or disposal of damaged property themselves unless specified otherwise. Insured parties are generally expected to take reasonable steps to mitigate further damage to their property. This means that while you should inform your insurer of the damage and seek guidance, you don’t necessarily have to wait for their explicit instructions to begin making repairs or arrangements for disposal.

In many insurance policies, there's an expectation that the insured will act promptly to prevent additional losses that could occur from delaying necessary repairs or leaving damaged property unattended. If the insurer has specific instructions or conditions outlined in the policy regarding the handling of damaged property, those should be followed. However, in the absence of such directives, taking the initiative helps protect both the insured's interests and those of the insurer by minimizing potential losses.

Other options suggest either waiting indefinitely for instructions, assuming coverage without confirmation, or improperly delegating to third parties without considering the policy's requirements, which could lead to complications or coverage issues. Therefore, taking prompt action within the bounds of the policy is critical.