When your property is damaged or destroyed the situation can be overwhelming. Keeping a clear head and following these initial steps will help you achieve maximum compensation and protection against auxiliary loss. Broken glass, fire debris, water damage and vandalism, are most likely covered by your property insurance policy but your claim could be denied if you aren’t aware of your responsibilities. Don’t let your property loss turn into a total loss!

Minimize further damage to your property. In insurance speak “mitigate damages” means to take the needed steps to secure your property from additional harm. Cover a leaking roof, board-up broken windows and doors, turn-off water if a pipe bursts, put up a portable chain link fence if necessary.

Don’t be a victim twice! Did you know that you are liable for any injuries sustained on your property! If your property isn’t secured, not only will you forfeit your insurance coverage but if someone enters the premises and gets hurt, guess who is responsible? That’s right, the property owner is liable and could be sued for damages. For the same reason, make sure that the board-up company you hire to secure your property is licensed and bonded!

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