Which of the following is NOT classified as an unfair claim settlement practice?

Needing written documentation of claim details is not classified as an unfair claim settlement practice because it is a standard requirement in the claims process. Insurance companies typically require written documentation to substantiate the details of a claim, such as the extent of damages, the cause of loss, and any supporting evidence. This requirement ensures that claims are thoroughly reviewed and processed based on factual information.

In the context of unfair claim settlement practices, the other options involve actions that hinder or obstruct the fair treatment of claimants. For instance, navigating through vague laws could imply a lack of transparency or consistent application of policies. Delaying claims processing can lead to unnecessary hardship for the claimant, and refusing to communicate with claimants directly violates the principle of good faith and fair dealing that insurers must uphold. Thus, option B stands out as a necessary procedure rather than an unfair practice.