What document outlines the specific obligations of the insured after a loss occurs?

The conditions section of an insurance policy is critical as it explicitly outlines the specific obligations and duties of the insured after a loss occurs. When a loss happens, the insured is required to adhere to these conditions to ensure that their claim is processed smoothly. This could include notifying the insurer promptly, allowing the insurer to inspect damages, and cooperating during the investigation of the claim. These stipulations are crucial in protecting both the insurer’s and the insured's interests, as they help establish a clear protocol for the claims process.

The declarations provide essential information about the insured, the coverage amounts, and the property insured, but they do not detail the insured’s responsibilities after a loss. Exclusions are statements that describe what is not covered by the policy, and while they are essential for understanding policy limits, they do not address the obligations after a loss. The insuring agreement contains the basic premise of the insurance coverage but does not specify the insured's duties following a loss. Thus, the conditions section is the most appropriate answer, as it focuses specifically on the actions required of the insured after an incident occurs.