What is required of the insured regarding property after a loss occurs?

After a loss occurs, the insured has a responsibility to take reasonable steps to protect the property from further damage. This requirement is typically outlined in the terms of property insurance policies, which mandate that insured individuals engage in loss mitigation efforts. By doing so, the insured helps ensure that the damage does not worsen, which could impact the claims process or the amount they may recover from their insurance company.

Taking steps to protect the property can include actions such as tarping a damaged roof to prevent water intrusion, boarding up broken windows, or moving valuables to a safe location. These measures demonstrate due diligence on the part of the insured and can help prevent additional losses that the insurer may not cover if the insured fails to act accordingly.

Leaving all damaged property as is could lead to worsening conditions that may not be covered under the policy. Discarding damaged items immediately, while sometimes necessary for cleanliness or safety, should not occur before consulting with the insurance company unless there are immediate safety concerns. Lastly, while it is essential to notify the insurance company and wait for an inspection where required, certain temporary repairs may be acceptable to prevent further damage. Hence, the commitment to protect property is a critical aspect of the insured's responsibilities following a loss.