Which of the following is NOT considered an uninsured loss?

Reported accident damage is considered a covered loss under most insurance policies, as it represents a documented incident that is usually submitted for claims. This type of damage typically has specific processes for reporting and assessing, making it eligible for reimbursement or compensation from the insurance provider.

In contrast, the other options involve losses that generally fall outside the purview of insurance coverage. Employee loss and undocumented damage often represent situations where there is no formal recognition or documentation of the incident, making it difficult for insurance to provide compensation. Conversations about damage do not equate to actual loss or damage and do not hold value in a claims process. Thus, the notion of reported accident damage as a recognized and documented loss distinguishes it as not being categorized as an uninsured loss.