Kasha knows that the policy would cover tree replacement if the loss had been caused by lightning. Kasha sees some discoloration of the bark of the insured's tree that suggests that lightning had hit the tree in the past, but she is fairly certain that lightning was not involved with this loss. Kasha fears, however, that if she mentions this additional coverage to the insured, the insured will argue that lightning caused the loss. Kasha believes that if the insured becomes contentious, home office will give in and make an unjustified additional payment. If Kasha decides to use an ethical dilemma decision-making flow chart to decide whether she should tell the insured about the additional coverage for lightning, the most useful step for her would be to :_________
A. Gather information—determine how the problem arose.
B. Gather information—go to the source of the problem.
C. Gather information—monitor for future application.
D. Gather information—determine the duties owed.