Expert Dry

06/04/2026

https://www.propertyinsurancecoveragelaw.com/blog/systematic-undervaluation-insurance-claims/?utm_campaign=Blog%20Subscription%20-%20Daily%20Roundup&utm_medium=email&_hsenc=p2ANqtz-99e4DFq5Ns4QaorHGUfwvfwMAHCYTmYDI-jSQGdJ8IK9VO9Ua1G9qKY-n3pw9Souz8t_OPZpUlDbru1x_72NvUekIftQ&_hsmi=422245225&utm_content=422245225&utm_source=hs_email

New catastrophe data suggests fraud is rare while claim undervaluation may be a far bigger problem for policyholders.

12/19/2025

The Core Skill Is Recognition and Adjustment

This is the defining characteristic of a craft.

Mitigators must recognize:

Building type and era

Structural system (slab, crawl, post-tension, steel, wood)

Verticality and stack effects

HVAC design and zoning

Occupancy vulnerability (healthcare, elderly, children)

Contents sensitivity

Moisture pathways that are not obvious

Secondary risks created by intervention itself

And then adjust:

Drying strategy

Containment strategy

Sequencing of removal vs preservation

Communication style

Documentation rigor

Safety controls

No checklist can substitute for this. That is the hallmark of a craft.

12/18/2025

“A professional mitigator is not defined by the equipment they deploy, but by their ability to recognize context, anticipate secondary consequences, and adjust methods to protect both structure and occupants across radically different environments.”