Final answer:
The insured must wait for a specific period of time after filing a proof of loss before pursuing a legal action against their own insurer.
Step-by-step explanation:
The Legal Actions provision in insurance policies allows the insured to file a lawsuit against their own insurer. However, the insured must wait for a specific period of time before pursuing this action. In this case, the insured must wait at least a certain number of days after filing a proof of loss.