Opinion ID: 61821
Heading Depth: 4
Heading Rank: 1

Heading: Duty to Mitigate under the SFIP

Text: We affirm the district court’s legal conclusion that after Flood I the Gallups did not breach their duty to mitigate damages under the SFIP. The district court correctly found that the SFIP duty to mitigate was not implicated by the facts here. The SFIP mitigation provision states: D. We do not insure for direct physical loss caused by directly or indirectly by . . . 4. Water, moisture, mildew, or mold damage that results from any condition: . . . b. That is within your control, including but not limited to: . . . (3) Failure to inspect and maintain the property after a flood recedes. SFIP, 44 C.F.R. Pt. 61, App. A(1), Art. V(D)(4)(b)(3). The district court concluded that this mitigation provision did not apply to the Gallups because it concerns water and mold damage, which are not at issue in this case. We therefore affirm the district court’s conclusion that the Gallups did not breach this section of the SFIP.