Commercial property insurers include an implied duty to mitigate in virtually every policy. When a covered loss creates ongoing exposure to additional damage, the insured is expected to take reasonable steps to prevent that secondary damage. Emergency temporary enclosures are among the most accepted mitigation measures.
What Insurers Look For
Adjusters reviewing storm claims look for evidence that the property owner acted promptly to prevent water intrusion. A professionally installed shrink wrap enclosure with time-stamped installation photos, a work order, and a completion certificate provides exactly that evidence.
Mitigation vs. Permanent Repair
Emergency enclosure work must be clearly documented as temporary mitigation, not as permanent repair. StormWrappers provides installation certificates that explicitly describe the work as emergency temporary protection, preserving the insured’s right to full permanent repair compensation.
