Saavedra Goodwin was founded in 1988 and serves homeowners, businesses owners, commercial property owners and condominium associations throughout South Florida. Our West Palm Beach, Ft. Lauderdale and Miami insurance claim lawyers help you take the steps necessary to mitigate damage to your property and loss of income after a natural disaster, fire or other covered loss. We advise you on your obligations under the mitigation language contained in your insurance policy, so our advice is unique to your situation.
After a fire, hurricane, flood or windstorm, protecting your property and your belongings may seem like common sense. After all, you want to preserve as much of your personal property and real estate as possible. You also have a duty under your homeowner’s insurance policy to mitigate damage caused by an adverse event. Examples of mitigation include:
While you should do everything within your power to minimize damage, you are not expected to put yourself in harm’s way to mitigate damages. Take efforts to mitigate only after your safety is assured.
You are also not expected to take action that is beyond your ability or skill level, such as removing heavy debris. In such a situation, you may need to contact a professional to assist you with your mitigation efforts.
Businesses are also responsible for taking mitigating efforts against damage to property value and income. You may consider:
Your failure to mitigate damages to your home or business may reduce the amount of compensation to which you are entitled. The insurance company may calculate the damages that occurred up to the point you could have mitigated. For example, your insurance company may pay to replace tiles blown off during hurricane level winds, but deny your claim for water damages arising from the rainstorm that occurred one week later if you did not properly tarp your roof.
Saavedra Goodwin advises on the steps you need to take to mitigate your damages. To schedule a consultation with our West Palm Beach, Ft. Lauderdale and Miami insurance claim lawyers, call 954.767.6333 or contact us online.