The law requires that you mitigate damages if you are filing a claim, and will penalize your claim if you fail to mitigate. Your insurance policy will also require you to take steps to protect your property after a loss.
While insurance policies have similar language on mitigation of damages, the interpretation of the policy, and the law on mitigation of damages generally, vary from state to state. Specific guidance for your circumstances, and your state, can not be addressed on this web page. Please consult an attorney and/or other professionals for individual advice tailored to your own situation. Read more about that.
Depending on your insurance policy, some of your mitigation expenses may be covered. Seek competent advice from an insurance loss professional.
Another way to approach the thought of mitigation:
If your property is damaged, your insurance agent, your adjuster or other loss professional may recommend that you hire specialty mitigation companies. These companies remove wet carpet, clean smoke damage, tarp your roof, and more. The costs may be covered by your insurance company -- read your policy, and speak with your adjuster, your insurance agent or other loss professional.
For more information on steps to take after a loss to your business, home or other property, on how to prepare for an insurance claim, or assistance in the adjustment of insurance claims, please contact John Ruskin at the address or phone number, below.