Which one of the below statements is incorrect in the event of a claim?
a. An insured must provide a Proof of Loss as soon as practicable
b. If the insured included an item she didn't own, the insurer will only pay for the articles they can prove ownership for
c. If the insurer denies a claim and the insured has up to 1 year to take legal action against the insurer
d. When the insurer opts for a cash settlement, payment must be made within 60 days of receiving proof of loss unless the contract says otherwise