What is the insured’s duty immediately following a loss?

The insured's duty immediately following a loss is to protect the crop from further damage. This responsibility is crucial because it helps to minimize additional losses and maintains the integrity of the crop during the insurance claim process. Taking immediate action to safeguard the affected area—such as through covering, isolating, or otherwise attending to the damaged crop—ensures that the insured is doing everything possible to mitigate any further deterioration in value.

This action not only supports the insured's claim by demonstrating they acted responsibly and reasonably after the loss but also complies with the terms of the insurance policy, which typically requires the insured to take all necessary steps to protect their property after an incident. Failure to do so might result in reduced coverage or compensation, as insurers expect policyholders to actively participate in the preservation of their insured items.

The other options involve actions that may be relevant later but do not address the immediate responsibility following a loss. Reporting to authorities, salvaging, or replanting could come after ensuring that the remaining unaffected crops are sheltered from any additional harm.