Insurance duty to mitigate clause

The ‘Duty to Mitigate’: Your Legal Obligation to Stop the Leak

Leak found? You have a legal ‘Duty to Mitigate’. Learn why waiting for the adjuster can void your coverage for secondary damage.

Water stains visible on an interior ceiling, showing hidden damage often caused by wind-driven rain through a 'created opening' in the roof structure.

Wind-Driven Rain and Insurance Claims: When Your Policy Has to Pay (and When It Doesn’t)

Insurance companies often deny wind-driven rain claims by arguing no opening was created. Texas law has a specific standard for this — here’s what it says and how to push back on a bad denial.

Close-up of an insurance check and various claim documents spread across a desk, illustrating the complex process of a recoverable depreciation claim.

The Second Check: How to Claim Recoverable Depreciation

Insurance only paid half? Learn how ‘Recoverable Depreciation’ works and the steps to release the rest of your claim money.