Which of the following is NOT a responsibility of the claimant?

The correct answer is that seeking the assistance of an adjuster is not a responsibility of the claimant. While claimants often benefit from consulting with an adjuster, especially to understand their rights and responsibilities or to clarify the claims process, it is not mandated that they do so. The onus is on the insurance company and its adjusters to assist claimants and evaluate the claims submitted to them.

In the context of the other responsibilities listed, filing a claim in a timely manner, proving the loss to the insurer, and believing that a loss is covered by an insurance policy are all critical duties for the claimant. Timely filing ensures that the claim is processed according to the terms of the policy, while proving the loss is essential for the insurer to determine liability and the extent of the coverage. Additionally, having a belief that a loss is covered aligns with a claimant's understanding of their insurance policy, which influences their decision to file a claim.

Thus, while seeking an adjuster's assistance may be wise, it does not constitute a required responsibility for the claimant in the claims process under insurance practice. This makes the choice about seeking adjusted assistance the correct response to the question posed.