Julio immediately notified his homeowners insurer when a pipe burst and flooded his basement. Julio, however, didn't want to wait for the insurer to act, so he hired Soggy Corp to perform water removal and restoration services. To avoid out-of-pocket expenses, Julio signed a contract with Soggy in which he assigned his rights under his policy to Soggy in exchange for its services. When Soggy finished the job, it submitted its bill to Julio's insurer as Julio's assignee. Is the insurer obligated to pay the bill?

A. No, because post-loss assignments are not valid.
B. No, because the insurer did not agree to the assignment.
C. Yes, because a post-loss assignment of a property loss claim is valid.
D. Yes, because the insurance policy can be assigned to a third party.