Kelsey's home burns down, and she suffers the loss of many valuable items she has collected over the years. She purchased a standard fire insurance policy with the usual clauses and provisions ten years earlier. She and the insurance adjuster work for months but fail to agree on the amount of the loss. In this situation: a. Kelsey must file a lawsuit in order to have the dispute resolved.
b. the insurer is barred from contesting Kelsey's statement of the value of the loss by the incontestability clause.
c. the dispute is construed against the insurer, and Kelsey's statement of the value of the loss prevails.
d. Kelsey and the insurer may demand an appraisal and submit the dispute to an impartial third party.