After a kitchen fire the insured refuses to submit a proof of loss or let the adjuster inspect the damage. The insurer may resist paying because the policy is:
Explanation
A conditional contract makes each side's obligation depend on conditions being met, and the duties after loss, giving notice, protecting property, submitting a proof of loss and cooperating with the investigation, are those conditions. The unilateral answer overstates a real feature: the insured has no enforceable promise to pay premium, but the policy still imposes conditions that must be satisfied before payment is owed.
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