Mitigation Explained
What Is Mitigation? Mitigation refers to the temporary protective measures taken to secure the property and prevent additional loss. These actions must be:
- Prompt (taken immediately after the event)
- Reasonable (not excessive or unnecessary)
- Documented (with photos, receipts, and reports)
Common Mitigation Actions
- Installing tarps over roof openings
- Sealing broken windows or doors
- Removing debris that poses further risk
Drying out wet areas to prevent mold growth
Reimbursement Potential When properly documented, mitigation expenses are often reimbursable under the policy. However, insurers require:
- Proof of necessity
- Evidence of timing
- Clear documentation of materials and labor
How ClaimMaster360 Helps We provide on-site mitigation services, including tarp installation and emergency protection. Our team documents every step with:
- High-resolution photos
- Measurements and scope
- Bilingual technical reports
This ensures your actions are recognized and your expenses are eligible for reimbursement. Mitigation protects your property. Documentation protects your claim.
Your Duty After a Loss Under most homeowner insurance policies, the insured is contractually obligated to take reasonable and necessary steps to prevent further damage after a covered loss. This obligation is outlined in the “Duties After Loss” clause and is a critical part of maintaining coverage.
Failure to mitigate can result in denial of coverage for any subsequent damages that could have been avoided.