What does an increased frequency of loss often result from?

Increased frequency of loss is commonly associated with carelessness in risk management. When individuals or organizations neglect proper risk management strategies, such as safety protocols or maintenance procedures, they inadvertently create an environment where losses are more likely to occur. This includes situations like failure to secure property, poor maintenance leading to hazards, or not following risk mitigation guidelines, all of which can lead to a higher occurrence of incidents resulting in losses.

In this context, while higher property values may lead to more significant financial losses when incidents occur, they do not inherently increase the frequency of the losses themselves. Increased environmental risks might affect the severity of a loss but not necessarily the frequency. A declining population density typically would not relate to loss frequency, as fewer people usually mean reduced incidents and risks. Thus, the correct answer emphasizes the importance of responsible risk management practices in preventing the frequent occurrence of losses.