Under the Entry, Control, Abandonment, the insurer is not entitled to which action?

• A. Enter to survey damage without the consent of the insured.
• B. The control or possession of the property.
• C. Enter property after it has been secured.
• D. Right of access to make appraisement.

Answer: (B)

Entry, Control, Abandonment defines what the insurer may do after a loss. The insurer can enter the insured premises to survey the damage, access the property for appraisements, and take reasonable steps to protect or preserve the property from further harm. It can do this even after the building has been secured and can conduct inspections to determine the loss. However, ownership and possession of the damaged property do not transfer to the insurer simply because a claim is filed; possession is not granted unless the insured abandons the property under the policy terms. Therefore, the action the insurer is not entitled to is control or possession of the property.