Which duty ensures the insurer can assess damages after a claim?

Making the property available for inspection is the correct answer because it is a crucial duty that policyholders have after a claim has been filed. This action allows the insurer to conduct a thorough assessment of the damages sustained. By examining the property, the insurer can gather necessary information, such as the extent of the damage, cause of loss, and verify the details provided in the claim. This process is vital for the insurer to make informed decisions regarding coverage and compensation.

The other options, while they pertain to interactions between the policyholder and the insurer, do not facilitate the damage assessment process in the same essential way. Appealing the insurer's initial decision is a step taken after a claim has been evaluated and denied or underpaid but does not contribute to the initial assessment of damages. Withholding information until the investigation is complete can hinder the insurer's ability to accurately assess the damages, potentially affecting the final outcome of the claim. Repairing only the most severe damage might address immediate concerns, but it does not ensure that all damages are fully assessed and accounted for, which is necessary for a correct claim settlement. Overall, making the property available for inspection is the key duty that ensures a proper evaluation can take place.