Estimating & Workflow
Duty to mitigate
The obligation under most insurance policies for the policyholder to take reasonable steps to prevent further damage after a loss. After a storm or a burst pipe, that usually means covering the roof, boarding up windows, or shutting off water. Carriers may reduce a payment if the policyholder fails to mitigate, so restoration contractors document every mitigation action, including temporary tarping, as part of the claim file.
Common questions
What does "Duty to mitigate" mean in Xactimate estimating?
The obligation under most insurance policies for the policyholder to take reasonable steps to prevent further damage after a loss. After a storm or a burst pipe, that usually means covering the roof, boarding up windows, or shutting off water. Carriers may reduce a payment if the policyholder fails to mitigate, so restoration contractors document every mitigation action, including temporary tarping, as part of the claim file.
Where does "Duty to mitigate" show up in a claim?
The term matters on estimates and scopes across the insurance restoration workflow. Browse the glossary for related terms.
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