What you do in the first 24–72 hours after a loss can strongly affect the claim. Property owners are generally expected to take reasonable steps to prevent additional damage.
Examples of Mitigation
- Stopping an active leak when safely possible
- Drying affected areas
- Covering exposed roof sections with a tarp
- Preventing mold growth
- Securing the property from further exposure
Your Duties After a Loss
Many policies contain a “Duties After Loss” section requiring the insured to protect the property, make reasonable temporary repairs, keep records and receipts, and allow inspection.
Steps to Take Immediately
Stop the source
Shut off water, contain leaks or prevent further exposure when it is safe to do so.
Protect the property
Use tarps, board-ups or temporary coverings to keep new damage from occurring.
Begin dry-out or cleanup
Remove standing water and begin drying affected areas quickly.
Document everything
Take photos and video before, during and after mitigation.
Keep receipts and invoices
Save proof of every emergency expense and temporary repair.
Get professional guidance
Before major repairs, make sure the loss and mitigation work are properly documented.
How Mitigation Can Be Used Against a Claim
An insurer may argue that additional damage resulted from delay, improper temporary repairs or leaving the property exposed. That can lead to reduced payment or disputes over portions of the claim.
Common Misconceptions
“I should wait before doing anything.”
Delay can make the damage worse and may be used against the claim.
“Mitigation is optional.”
Policies commonly require reasonable action to prevent further damage.
“The insurer handles everything.”
The property owner usually remains responsible for protecting the property.
“Small damage can wait.”
Minor leaks and moisture can grow into larger losses quickly.
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