Which of the following is not a duty of an insurer in case of a loss?

The correct answer points to the fundamental duties of an insurer when handling a claim. One key responsibility is to notify the insured about the claim approval or denial, which ensures clear communication between the insurer and the insured regarding their coverage and the outcome of the claim process. This duty is crucial as it keeps the insured informed about the status of their claim and any next steps that may occur.

The other duties mentioned reflect the insurer's obligations to actively manage the loss situation. For instance, separating damaged and undamaged property and protecting it from further loss is critical to minimizing the impact of the loss. Additionally, conducting a comprehensive investigation promptly is essential to assess the claim accurately and determine the appropriate compensation.

The choice regarding paying for all repairs without consultation contradicts industry practices, as insurers typically need to review and agree on the scope of repairs before payment is made to ensure transparency and control over costs. Therefore, the choice indicating this as a duty is not aligned with standard insurance practices.