Which of the following is NOT required when an insurer takes a deduction for previous damage?

When an insurer takes a deduction for previous damage, the emphasis is on showing that this prior damage existed before the current accident. This means that the insurer does not necessarily have to "prove" in the strictest sense that the damage was present; rather, it must substantiate the deduction with appropriate documentation and evidence.

In contrast, what is required includes reviewing historical claims that can provide context and support for the deduction, as well as ensuring that the insured is aware of the deduction and involved in the process, especially when they agree to it. Furthermore, providing evidence of the prior condition is essential to justify the decreased payout due to the pre-existing damage. These steps help maintain transparency and ensure that the insured is not unfairly penalized for damage that existed prior to their claim, reinforcing the principle of fair treatment in the claims adjustment process.