~What Does Mitigation Mean?
Imagine that a pipe breaks, causing a flood in your home. You have a responsibility as the insured party to make arrangements to stop the leak and clean up the water to prevent further damages. If you do not take these steps, the damage will get worse and more expensive. In this case, mold may begin to grow or water damage will increase.
~What are the Consequences of Not Mitigating Loss?
One legal case, Higginbotham v. New Hampshire Indem. Co., found that homeowners whose roof was damaged could receive payment for the damaged roof, but not for the water damage that occurred over several months before the roof was repaired. The judge determined that the homeowner could and should have taken action to prevent water from leaking through the damaged roof.
~How to Mitigate Against Further Damage
Be sure to contact your insurance company immediately and to take pictures of the damage that has already occurred. Then, take steps to prevent the problem from getting worse. This may include making temporary repairs, such as boarding up a broken window, or shutting off utilities, such as water to a damaged pipe. If a flood occurred, be sure to allow the area to completely dry to prevent the growth of mold or rust. You may also need to contact an expert to assist in repairs or flood cleanup. Save all of your receipts from supplies and repairs. Your insurance company may be able to provide emergency cash for these costs or may reimburse you after the fact.
By taking steps to reduce the chance of further damage, you are protecting your investment and avoiding unpleasant surprises down the road. If you have any questions about your responsibility in an insurance claim, ask your insurance company or a trusted expert for the type of damage that occurred.
Call us today for a free consultation 800-516-8059 or by email at: info@superrestoration.com
In your service,
Rene Vargas
Super Restoration
1 800 516 8059