One of the duties after a loss is to show the damaged property as often as the carrier reasonably requires. The policy clearly states that failure to comply with duties can be cause for denial of a claim if the failure to follow the duties is prejudicial to the carrier. However, an appraisal is not dependent on the duties; the appraisal is an option if the insured and the carrier disagree on the amount of loss. The exact wording is "If you and we fail to agree on the amount of loss, either may demand an appraisal of the loss" (emphasis added). Nothing in the policy states that the carrier can refuse an appraisal for anything—if either party demands it, the other party must comply. It is an issue of fact as to whether the lack of the actual damaged property prejudices the carrier; the appraisers or umpire should speak to that.